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A place for Get Rich Slowly readers to ask questions
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It is currently Mon Aug 29, 2016 7:25 am



Viewing profile - stannius

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stannius
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Joined: Fri Sep 12, 2008 12:29 pm
Last visited: Sun Aug 07, 2016 7:55 am
Total posts: 1669
[1.87% of all posts / 0.57 posts per day]
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Most active forum: Personal Finance
[ 1489 Posts / 89.22% of user’s posts ]
Most active topic: What vehicle to buy
[ 14 Posts / 0.84% of user’s posts ]

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Location: Seattle, WA
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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: Protection from Insurance Company

Posted: Fri Jul 15, 2016 12:53 pm 

Replies: 10
Views: 353


They doing a take-backsie by saying I was injured on the job and therefore workers comp is responsible. They haven't contacted me to verify this conclusion. So I called and they said they will reprocess. OK, but have they already paid (gave money to) the providers? Are they asking you to pay them b...

 Forum: Personal Finance   Topic: Protection from Insurance Company

Posted: Fri Jul 15, 2016 11:20 am 

Replies: 10
Views: 353


That would be cutting off your nose to spite your face. Also it wouldn't even work, unless you disposed of all your assets and stopped working (to prevent wage garnishment). You'd have to go completely off the grid for 7 years (or whatever the statute of limitations is in your state for medical debt...

 Forum: General Discussion   Topic: Who plans on working past FI/RE?

Posted: Thu Jul 14, 2016 7:05 am 

Replies: 5
Views: 1468


DoingHomework wrote:
You're not married are you LMoot?


I am married and my spouse plans on us both working past FI.

 Forum: Personal Finance   Topic: Convince my elder that their investments are too risky

Posted: Wed Jul 13, 2016 9:47 am 

Replies: 7
Views: 566


Such is the psychology of the retail investors world. It sounds like he's stubborn in his position. See if he will sit through a youtube video of Enron or Worldcom. If not, he may just have to learn the lesson the hard way. Curious, which stock is it? Pretty much every article on the topic mentions...

 Forum: Personal Finance   Topic: Convince my elder that their investments are too risky

Posted: Wed Jul 13, 2016 12:25 am 

Replies: 7
Views: 566


I recently found out that a relative in my parents' generation has 50% of their savings invested in their former employer's stock. At least it's a former employer, so their income and savings aren't both tied to the same single stock. Still, having so much invested in one stock is extremely risky. T...

 Forum: Personal Finance   Topic: Loan for trip

 Post subject: Re: Loan for trip
Posted: Tue Jun 21, 2016 1:05 am 

Replies: 1
Views: 546


Yes. Save up money until you have enough money to pay for it with cash. Only then go on the trip. This way you don't ruin your vacation stressing over the debt you're building up.

 Forum: Personal Finance   Topic: Catching up on Retirement Savings

Posted: Mon Mar 07, 2016 5:53 pm 

Replies: 17
Views: 31419


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: 1805


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: 11544


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: 1805


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: 1091


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: 6840


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: 18144


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: 2646


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, ...
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