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A place for Get Rich Slowly readers to ask questions
and exchange ideas
It is currently Thu Sep 29, 2016 3:10 pm

Viewing profile - Ranger

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Joined: Sun Mar 10, 2013 12:10 pm
Last visited: Wed Apr 13, 2016 7:07 am
Total posts: 178
[0.20% of all posts / 0.14 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 176 Posts / 98.88% of user’s posts ]
Most active topic: Opionions/Advice Wanted for Current Status & Future Plans
[ 13 Posts / 7.30% of user’s posts ]



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Ranger Posts

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 Forum: Personal Finance   Topic: 401K vs IRA

 Post subject: Re: 401K vs IRA
Posted: Tue Nov 10, 2015 7:14 am 

Replies: 16
Views: 6846

OK, gotcha..you're right. Your total tax deferral will be less in the Trad IRA case due to the lower annual contribution limit. The limits you posted are spot-on. Does your employer not offer an HSA because they, 1) Offer healthcare plans that don't qualify, 2) Offer qualifying plans but don't offer...

 Forum: Personal Finance   Topic: 401K vs IRA

 Post subject: Re: 401K vs IRA
Posted: Tue Nov 10, 2015 6:46 am 

Replies: 16
Views: 6846

1 - Max out the Trad IRA. Not sure what you mean about "delayed tax advantage". Assuming you are within the deductibility income limits, Traditional IRA contributions are treated identically to pre-tax contributions to a 401K. 2 - Max out an HSA if you are eligible and the investment choic...

 Forum: Personal Finance   Topic: Choosing a health insurance plan

Posted: Mon Nov 09, 2015 7:27 pm 

Replies: 3
Views: 1664

This plan is provided by an employer, so it is paid with pre-tax dollars. However, the taxes I would pay on the extra $70 per pay period would not be greater than the savings from the less expensive plan. Gotcha. I was thinking about this from the standpoint of benefit versus actual out-of-pocket c...

 Forum: Personal Finance   Topic: Choosing a health insurance plan

Posted: Mon Nov 09, 2015 4:07 pm 

Replies: 3
Views: 1664

Just some questions and other things to consider….take from them what you paid for them…. *The probability of using an out-of-network provider is largely driven by the restrictiveness of the network. If the network is fairly expansive, there is a low probability of you wanting/needing to go beyond t...

 Forum: Personal Finance   Topic: Pay extra for more long term disability?

Posted: Mon Oct 26, 2015 9:09 am 

Replies: 7
Views: 2596

Shaun – Good on you for giving this subject its just due. Many people underestimate the possibility of not being able to work during their earning years (i.e. becoming disabled). Also, we tend to get so fixated on accumulating wealth that we forget all about preserving it. Especially at your age, th...

 Forum: Personal Finance   Topic: Need advice re: collection not collected - tanking credit sc

Posted: Fri Oct 23, 2015 7:44 am 

Replies: 9
Views: 3479

Sorry this happened...it sounds like your utility company could use a lesson in customer service. That being said, what are the practical consequences of temporarily having a lower credit score? The question behind the question is "will you be materially impacted by this temporary lowering, or ...

 Forum: Personal Finance   Topic: Been a while

 Post subject: Re: Been a while
Posted: Fri Sep 25, 2015 8:58 am 

Replies: 2
Views: 3431

HSA, depending on your circumstances.

 Forum: Personal Finance   Topic: why I am a landlord...

 Post subject: Re: why I am a landlord...
Posted: Mon Sep 21, 2015 12:58 pm 

Replies: 12
Views: 5793

Wow...cyber-bullying, much?

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

Posted: Thu Sep 10, 2015 2:45 pm 

Replies: 25
Views: 13816

I wholeheartedly agree the warning signs are there. Personal experience, however, makes me reluctant to advocate reneging on a parental promise without more facts . Since my ‘awareness’ switch flipped on, I’ve seen my parents make just about every boneheaded move you can make regarding debt. In the ...

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

Posted: Thu Sep 10, 2015 12:21 pm 

Replies: 25
Views: 13816

Not to be a jerk for this, but your daughter should assume responsibility for most if not all of the $150K loan I agree 100% While the student loans are clearly significant compared to the OP’s income, the OP appears to be otherwise debt-free and has some amount of money tied-up in retirement accou...

 Forum: Personal Finance   Topic: How do you Handle Retirement Savings with two Pensions?

Posted: Fri Sep 04, 2015 12:30 pm 

Replies: 7
Views: 4742

Not to be a Debbie Downer because you guys are clearly building a solid foundation for financial success. But, at 30 years old your crystal ball isn’t good enough to know whether either of these pensions will play a significant role in your retirement. People change jobs, people lose jobs, pensions ...

 Forum: Personal Finance   Topic: Your biggest drain

 Post subject: Re: Your biggest drain
Posted: Wed Sep 02, 2015 8:18 am 

Replies: 12
Views: 6979

'Taxes' would rank very high for most, though (like savings) this item might not be in the spirit of the list.

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

Posted: Wed Jul 22, 2015 12:05 pm 

Replies: 41
Views: 5816

djseidel2 wrote:
Im a bit confused with all of this.

Unfortunately, this board features too many trolling sharks looking for chum. I suspect this is why posting traffic is very, very low.

 Forum: Personal Finance   Topic: Merging Finances, Newly Married...Questions!

Posted: Sat Jul 04, 2015 1:41 pm 

Replies: 16
Views: 1497

Ever considered combining your incomes into a single account you co-own and then paying yourselves every month out of that pot?

T'would be simpler than getting wrapped around the axle over "fairness".

I understand why you're struggling...your dilemma made my brain hurt too.
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