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A place for Get Rich Slowly readers to ask questions
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It is currently Tue May 31, 2016 2:55 pm

Viewing profile - DoingHomework

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Last visited: Mon May 30, 2016 11:37 am
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 Forum: Personal Finance   Topic: How to leave a mortgage contract when you're in negative equ

Posted: Sun May 29, 2016 6:21 pm 

Replies: 5
Views: 419

My partner has a mortgage that she took out when she was in a high-income job three years ago. But she became disabled and can no longer work - yet she still has to pay the mortgage. Unfortunately house prices have dropped and selling it would put her in negative equity. Is there anywhere she could...

 Forum: Personal Finance   Topic: Numbers on a Different House

Posted: Sun May 22, 2016 7:35 pm 

Replies: 20
Views: 1107

I was in escrow for a condo that my landlord was going to sell me but it fell through. I found a cute house 2 miles from the beach that could serve my needs but it has a lot of people looking at it and competition is super stiff. I would have to bid $515k and put $15k of renovations to make it half...

 Forum: Personal Finance   Topic: Critique my portfolio?

 Post subject: Re: Critique my portfolio?
Posted: Sat May 21, 2016 8:31 pm 

Replies: 8
Views: 467

What exactly is Wealthfront? It seems to be an investment company. It would be helpful to know what the underlying investments are. If, as I suspect, it is a roboadvisor, that may be fine but you should know what you are invested in. I would personally not be happy with money in Lending Club. There ...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Sat May 21, 2016 12:44 pm 

Replies: 21
Views: 2883

I see the seeds of a revolution there... Think Baltimore which in my opinion was not about the police - the root causes were poverty, poor education and a culture bent on self destruction. $3 an hour won't solve those. Wealth disparity, while we can argue about the causes, justice, and so forth, ha...

 Forum: Personal Finance   Topic: Auto loan help: Bank or Credit Union?

Posted: Wed May 18, 2016 8:10 am 

Replies: 6
Views: 1046

A lot depends on how good your sister's credit is. And don't discount what the dealer may have to offer. For example, Honda is offering 0.9% APR for 24-36 months to qualified buyers on certain models. In some cases, they'll even give a discount of $500 off the car if you take a loan with them. But ...

 Forum: Personal Finance   Topic: how to calculate your tax bracket at retirement?

Posted: Tue May 17, 2016 8:13 am 

Replies: 11
Views: 1771

Money out of your 401K will be considered earned income if it is tax deferred (e.g. traditional). Money taken as rent is taxed as earned income. No and no. 401(k) withdrawals are not earned income and are not subject to social security taxes. Rent is passive income and is not earned income and is n...

 Forum: Personal Development   Topic: Connecting Personal Finance with Personal Development

Posted: Sun May 15, 2016 8:25 pm 

Replies: 6
Views: 3026

For example in TV series House M.D. (original title) http://www.imdb.com/title/tt0412142/?ref_=nv_sr_3 there sometimes are very rich patients and sometimes in worst case sometimes money does not help. You realize that is fiction, right? Perhaps we should worry about these risks as well: 1. Being at...

 Forum: Personal Finance   Topic: how to calculate your tax bracket at retirement?

Posted: Sun May 15, 2016 8:08 pm 

Replies: 11
Views: 1771

lets pretend we dont care about taxes... Lets say all I have is 5 paid off houses that I had for 30 years and I am in 30% tax bracket...How am I gonna be taxed on that? Would it be 5 k of rental income per month, which is 60k per year, would be taxed at 30%, which would be 20K goes to IRS...Is that...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Sat May 14, 2016 1:14 pm 

Replies: 21
Views: 2883

I tend to like the idea of college being free, paid by taxpayers. But I admit, if that happened, it would be highly competitive and it is doubtful that most people could get in. We'd also likely have to ration it by major. How many art history majors do we need anyway? I'm not knocking that as an ac...

 Forum: Personal Finance   Topic: Trust fund investing help

Posted: Sat May 14, 2016 12:19 pm 

Replies: 32
Views: 3332

True you can not compare capitalistic states to my sosialitic country. My renters are usually poor, but the goverment pays their rent or most of it. In my newest apartment is working class middle class couple, but they don't give more rental income then the poor in my sosialistic country. It's not ...

 Forum: Personal Finance   Topic: how to calculate your tax bracket at retirement?

Posted: Sat May 14, 2016 10:26 am 

Replies: 11
Views: 1771

Unfortunately its a little more complicated that that. No one knows what tax brackets will be in 20 years. Remember BOTH presidential candidates are proposing tax increases. Your rental income is taxable but you will have depreciation deductions that are significant noncash expenses. You also need t...

 Forum: Personal Finance   Topic: roth 401K vs 401K

 Post subject: Re: roth 401K vs 401K
Posted: Wed May 11, 2016 8:46 am 

Replies: 12
Views: 1078

DJFlare99 wrote:
Despite Obama raising our taxes

Can you remind us when he did that? Are you aware that Congress would have had to approve any such change in tax laws or rates?

 Forum: General Discussion   Topic: Random Political Thoughts

Posted: Wed May 11, 2016 8:34 am 

Replies: 12
Views: 3241

He's the bee's knees according to nearly every single one of his former republican dissenters. I have to admit, I do feel sorry for the republicans. They have not had good representation for the last few elections (including ones they won). I think the republicans are in trouble. I'm not yet predic...

 Forum: Personal Finance   Topic: Chase Private Client Bonus Incentive for Investing

Posted: Sun May 08, 2016 7:27 pm 

Replies: 11
Views: 1154

Thanks again. I see what you mean and I agree $750 isn't much. I think I'm going to go with Vanguard instead and follow my friends advice and put it in over 36 months. I also don't trust the person I met at Chase, though he seemed nice, I don't want to blindly trust a financial advisor. What are so...
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