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A place for Get Rich Slowly readers to ask questions
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It is currently Wed Feb 10, 2016 11:35 pm

Viewing profile - stannius

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Joined: Fri Sep 12, 2008 12:29 pm
Last visited: Sun Dec 20, 2015 2:16 pm
Total posts: 1657
[1.88% of all posts / 0.61 posts per day]
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Most active forum: Personal Finance
[ 1478 Posts / 89.20% 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: Life After Debt-Free --- Now What?

Posted: Sun Dec 13, 2015 4:58 pm 

Replies: 18
Views: 17019

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: 2518

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: 4490

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: 8021

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: 13514

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: 6877

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: 5410

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: 5417

~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...

 Forum: Personal Finance   Topic: Budding property line dispute

Posted: Sun Jul 19, 2015 10:36 am 

Replies: 10
Views: 2304

DoingHomework wrote:
If he's not aiming to sell then I'd suggest negotiating with him depending on what your preference is. He likely has little legal recourse but there is value in maintaining a good relationship with neighbors.
DoingHomework wrote:

Neither he (AFAIK) nor I plan to move, so yes I am trying to balance our interests against his requests.

DoingHomework wrote:
"Good fences make good neighbors"


 Forum: Personal Finance   Topic: Budding property line dispute

Posted: Sun Jul 19, 2015 9:32 am 

Replies: 10
Views: 2304

Let's say YOU built the fence and erroneously put it on his property without permission. He can pay to have the fence moved, then sue you, get a judgement, and get a lien on your house. That has no impact until you sell the house. The fence was built by a previous owner of my house. So (if his clai...

 Forum: Personal Finance   Topic: Budding property line dispute

Posted: Fri Jul 17, 2015 6:41 pm 

Replies: 10
Views: 2304

Today my neighbor emailed me that he had a survey done and the property line is not where we thought it was. Not only does he want to take the fence down and put in up in the "correct" spot, but he wants us to pay for half the fence. The particular strip of land is not all that important t...

 Forum: Personal Finance   Topic: Backdoor Roth and 401(k) Rollover

Posted: Tue Jul 14, 2015 6:56 am 

Replies: 4
Views: 1494

Some 401(k)'s allow you to roll into them. If your new 401(k) is decent I'd look into that. If that isn't an option, I'd roll it into a Roth IRA and pay the taxes. Consider the taxes as an extra contribution to the Roth. By converting it to a Roth you increase its after-tax value. Thus the taxes you...

 Forum: Personal Finance   Topic: Depreciation on a rental - mandatory?

Posted: Sat Jul 11, 2015 8:59 pm 

Replies: 12
Views: 3100

No one can give you a yes or no answer and be correct. ... Basically, if you want a simple statement here it is..."Only an idiot would not take depreciation if it is available." RiP and BF are correct as far as I can tell: the IRS charges you recapture regardless of whether you took the d...

 Forum: Personal Finance   Topic: Tax ramifications of helping my sister buy a home

Posted: Sat Jul 11, 2015 8:00 pm 

Replies: 10
Views: 3269

If you forgive the loan, it does become a gift AFAIK, but gifters don't pay taxes on gifts, giftees do. Who pays the gift tax? The donor is generally responsible for paying the gift tax. Under special arrangements the donee may agree to pay the tax instead. Please visit with your tax professional i...
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