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A place for Get Rich Slowly readers to ask questions
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It is currently Thu Jun 30, 2016 9:23 pm

Viewing profile - stannius

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Joined: Fri Sep 12, 2008 12:29 pm
Last visited: Tue Jun 21, 2016 1:19 am
Total posts: 1663
[1.87% of all posts / 0.58 posts per day]
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Most active forum: Personal Finance
[ 1484 Posts / 89.24% of user’s posts ]
Most active topic: What vehicle to buy
[ 14 Posts / 0.84% of user’s posts ]



E-mail address:
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Location: Seattle, WA
Interests: Board games, bicycling, puzzles, travel, and of course personal finance.
Website: http://stanni.us

stannius Posts

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 Forum: Personal Finance   Topic: Catching up on Retirement Savings

Posted: Mon Mar 07, 2016 5:53 pm 

Replies: 17
Views: 31344

A target date fund is fine as a Pareto Efficiency. 90% of the benefit for 10% of the work of choosing and managing your own investment scheme. You can always change it later if and when you learn more.

 Forum: Personal Finance   Topic: How much money should a “fully-funded” 529 account contain?

Posted: Mon Mar 07, 2016 5:49 pm 

Replies: 5
Views: 1762

Did you ask your wife for your pants back? I am reminded of this recent(ly rerun) comic: http://basicinstructions.net/basic-instructions/2016/3/6/how-to-justify-an-extravagant-purchase-to-your-spouse.html I actually think it's a somewhat reasonable condition / target. The thing is that I want to le...

 Forum: Personal Finance   Topic: For Those Who Think Slow Saving and Investing Don't Work...

Posted: Tue Mar 01, 2016 10:30 am 

Replies: 8
Views: 11441

The people in these stories are always in their 80s or 90s. That's not a coincidence.

Also they tend to have had undiversified investments, but, it's not clear in this case what she was invested in.

 Forum: Personal Finance   Topic: How much money should a “fully-funded” 529 account contain?

Posted: Tue Mar 01, 2016 9:56 am 

Replies: 5
Views: 1762

I asked this question on money.stackexchange.com but the few comments I got seemed to throw their hands up because there's so many assumptions you have to make guesses at. It's a fair concern, but at the age of my kids (5 and 2) all kids are about the same, so it seems like you could make some guess...

 Forum: Personal Finance   Topic: Time of Year to Contribute IRA

Posted: Sun Feb 28, 2016 11:59 am 

Replies: 6
Views: 1072

Generally you would just want to invest as soon as you have the money available. In general we invest because we expect the market to go up over time. That's why we invest, right? So the sooner you get the money into the tax-advantaged account, the more of those gains will be tax-advantaged. If you ...

 Forum: Personal Finance   Topic: SIMPLE IRA Options: As bad as they seem?

Posted: Sun Dec 20, 2015 2:14 pm 

Replies: 3
Views: 6827

Often sales charges are indeed waived in company-sponsored retirement accounts. I would check with HR or whoever handles benefits.

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Sun Dec 13, 2015 4:58 pm 

Replies: 18
Views: 18026

The answer to this question for me is perfectly simple and mathematical: When Projected Annual Retirement Expenses are equal to or less than my .04 of my Portfolio.... I'm done. R = .04(P) A well balanced and diversified income portfolio of around 20-30 Dividend Aristocrats should produce approxima...

 Forum: Personal Finance   Topic: Buy a house with cash or pay off all debt?

Posted: Sun Oct 18, 2015 1:25 pm 

Replies: 9
Views: 2627

Just remember, the house can be taken from you if you get behind in the other debt so don't think owning the house outright will let you skip on the other debt. You have a lot of debt for your situation. In many areas a house is protected by a homestead exemption. Of course it depends on the area, ...

 Forum: Personal Finance   Topic: Renting v/s buying

 Post subject: Re: Renting v/s buying
Posted: Sun Oct 18, 2015 1:18 pm 

Replies: 6
Views: 4676

3 years is not long enough. 3 or so years is still probably not long enough. There are a lot of transaction costs to buy and sell a home. The fewer years you live there, the fewer years across which to amortize those transaction costs.

 Forum: General Discussion   Topic: Salary negotiation

 Post subject: Re: Salary negotiation
Posted: Fri Sep 25, 2015 12:59 am 

Replies: 3
Views: 9923

Easy. Just find a different employer that can afford you.

 Forum: Personal Finance   Topic: I have 150K student loan for our daughter attending college

Posted: Mon Sep 07, 2015 7:55 am 

Replies: 25
Views: 13731

What's the interest rate on the loans? Unless it's 0% or near zero, there's not really anything you can do that would earn money (on a risk-adjusted basis) faster than the loans accrue interest. Furthermore, student loans are (generally) not dischargeable in bankruptcy, so they're actually risky in ...

 Forum: General Discussion   Topic: Career break, gap year, sabbatical, extended vacation, leave

Posted: Sun Aug 30, 2015 6:13 pm 

Replies: 2
Views: 8590

I know someone who took a 2 month sabbatical, then came back to the company with a new title of VP. She told me that it was a condition of her returning. She had been at the company since the very early days and was apparently highly valued by the company president. She worked under that title for a...

 Forum: Personal Finance   Topic: When to get a new car?

 Post subject: Re: When to get a new car?
Posted: Tue Aug 11, 2015 4:36 am 

Replies: 19
Views: 5541

Truedelta has reliability information but they might stop calculating after 10 years or so. My pickup truck, picked randomly on a whim based mostly on my parents' favorite brand at the time and its color, is still running OK after 16 years and 150,000 miles. So you never know. If I were you I might ...

 Forum: Personal Finance   Topic: Sanity check of student loan repayment

Posted: Mon Jul 20, 2015 10:45 pm 

Replies: 41
Views: 5654

~5 yrs...Isn't that when the kid expenses start to accelerate as well? Well day care can be quite expensive, especially under 1 year old. But that doesn't apply to OP. My daughter just turned 5 so maybe I'm just being optimistic that we'll have a few years of lower expenses before she takes up socc...
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