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It is currently Sat Feb 13, 2016 10:59 pm



Viewing profile - rimfirerifleman

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rimfirerifleman
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Joined: Tue Jul 03, 2012 2:06 pm
Last visited: Tue Jan 12, 2016 4:57 pm
Total posts: 26
[0.03% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 25 Posts / 96.15% of user’s posts ]
Most active topic: Graduation College, Got a Job Offer, Taxes Question
[ 4 Posts / 15.38% of user’s posts ]

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rimfirerifleman Posts

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 Forum: Personal Finance   Topic: mid-20s, what to do with money?

Posted: Mon Jan 11, 2016 4:14 pm 

Replies: 44
Views: 18822


I'm glad you opened up an account at Vanguard, you really should swap the rest over to them, they are invester owned so they have your best interest at heart. They also have super low fees for that same reason.

Vanguard is seriously the best. Period.

 Forum: Personal Finance   Topic: Investing 75-80% into 401k for remainder of the year?

Posted: Fri Nov 20, 2015 5:11 pm 

Replies: 12
Views: 6855


When I see someone say ~75% of their salary for the next 1.5 months is about 2-3k or so then I see 1777 to 2666/month in earnings. Maxing out next year on that salary level is very doable, but I would find it impressive to say the least. From this I say it will make no difference if you max out this...

 Forum: Personal Finance   Topic: Investing 75-80% into 401k for remainder of the year?

Posted: Thu Nov 19, 2015 7:20 pm 

Replies: 12
Views: 6855


Load it up! But only if you anticipate maxing it out next year as well.

 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Mon Oct 26, 2015 7:04 pm 

Replies: 14
Views: 7113


How much is said credit card debt? Not sure if a hard number came out of discussion. If your debt is a few grand why not pay it off out of savings then pay yourself back so you don't pay a ridiculous amount in interest. I'm right around 200/month for food shampoo etc. Learn to like oats for breakfas...

 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Sat Oct 24, 2015 2:11 pm 

Replies: 14
Views: 7113


Sounds like someone I knew growing up that went to CMU, then went to a local community college for a paralegal certificate. Back to the topic: 1. If you get any kind of employer match in your 401K you need to take advantage of this free money. 2. If you're living together and are going to get marrie...

 Forum: Personal Finance   Topic: new acorns app

 Post subject: Re: new acorns app
Posted: Thu Mar 26, 2015 3:43 pm 

Replies: 5
Views: 1411


Luke, say you do 60 transactions a month(I'm probably under 30), averaging 50cents/transaction rounded for 30 bucks a month going in, that 1 dollar fee is turning into 1/30*100=3.333% every month. At 30 transactions a month the fee is 6.66% ouch! That 3.333% is a lot when robinhood is free . When yo...

 Forum: Personal Finance   Topic: new acorns app

 Post subject: Re: new acorns app
Posted: Mon Mar 23, 2015 4:51 pm 

Replies: 5
Views: 1411


I find the fees far to high for what you get, I'd go to robinhood and do the whole "roundup" yourself and save a ton in fees.

 Forum: Personal Finance   Topic: I really want to rent out property but !

Posted: Wed Mar 11, 2015 5:38 pm 

Replies: 4
Views: 951


Earn more, or spend less, or both.

Those are the only ways I know to change cashflow.

 Forum: Personal Finance   Topic: How do I know when it's time to quit renting?

Posted: Mon Mar 09, 2015 5:21 pm 

Replies: 10
Views: 1344


we're adding several hundred dollars to our savings account each year I'm more worried about this statement. If you're saving a couple hundred a year, the apeal to get out of renting into a comparable cost place (per month) is high. But with home ownership could you afford to cover a new furnace, r...

 Forum: Personal Finance   Topic: Vanguard--actively managed and rebalanced?

Posted: Tue Mar 03, 2015 9:07 am 

Replies: 6
Views: 1229


I think you need to see that "active management" is not typically good. It is nice to think someone can buy low sell high, especially if the "crash" is coming they'd make an absolute killing with options and margin. But they don't make a killing. Why? Because no one can predict t...

 Forum: Personal Finance   Topic: Vanguard--actively managed and rebalanced?

Posted: Mon Mar 02, 2015 10:24 am 

Replies: 6
Views: 1229


Active vs passive investing is something you should figure out. Since 80+% of money managers (aka. your financial advisor...) can't beat the market consinstently, just go passive. If the market crashes again it'll go back up, you're just starting out-- you have years to wait it out. Look at the 2008...

 Forum: Personal Finance   Topic: 35 year old, thinking about cashing out some IRA funds

Posted: Tue Nov 18, 2014 8:11 pm 

Replies: 16
Views: 2674


LeRainDrop- Saving 15% for any income, is as simple as that -save 15%. It can go into a taxable account other than a 401k or IRA, it's just smartest to use tax advantaged accounts first. Ex. If you are a single high earner, you may have to contribute to a taxable account in addition to a 401k and IR...

 Forum: Personal Finance   Topic: Investing for Kids

 Post subject: Re: Investing for Kids
Posted: Tue Nov 18, 2014 8:01 pm 

Replies: 24
Views: 3571


It's all about how they are raised, of course their will be a bad apple here or there, but for the most part if you raise them to value hard work, the money that comes from hard work, and compound interest they'll be fine. As a 21 year old, I was 18 quite recently. Growing up I learned hard work fro...

 Forum: Personal Finance   Topic: Graduation College, Got a Job Offer, Taxes Question

Posted: Sun Nov 16, 2014 8:02 am 

Replies: 14
Views: 1984


Operator, in a shale gas basin. Any particular words of wisdom pm me please.

After reading your article Bichon, I hopefully will be making more in retirement as I aim to save quite a bit >50% salary including match. So I will continue with Roth.
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