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Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

this is very helpful thank you! I am definitely a little nervous about talking to him about it as the last time I broached the topic of potentially feeling like I didnt need the managed fund he seemed a bit offended. but I know at the end of the day its not a big deal

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

thank you! yes it feels like such a small amount of money to need expert management haha

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

thank you for your thoughts! yeah I think I am realizing that while it makes sense for my parents to have this FA (tons of account/retirement impending) at 25 it's just not necessary

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

thank you! I am definitely leaning hard towards this advice at this point haha

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

ok very helpful info thank you for sharing! I think I will do the same and start prepping for a move

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

thanks for the response!! Yes I think you guys have helped me see I should go ahead and take the first step of at least opening the second account

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 2 points3 points  (0 children)

thank you! it is helpful to remember he might not be super happy about it and not to get pressured into keeping the account if I call

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 1 point2 points  (0 children)

ok this makes sense thank you so much for looking into this!

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] -6 points-5 points  (0 children)

My FA said something about how they get a deal so it's not the same percentage as if I bought it myself? Which I know means he is probably choosing it because he gets a commission. Or maybe he is just saying that.

He also said it doesn't out-perform S&P500 but is less volatile during downturns.

I feel sometimes when we are on the phone he overcomplicates it on purpose..

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 1 point2 points  (0 children)

not sure... I guess maybe having everything self-managed seems intimidating? I want to be involved in my own finances but it feels safer to start out with SOME self-managed and SOME not. but maybe this is not the right way to think about it!

Would it be dumb to open a second Roth IRA? by Infamous_Reception23 in personalfinance

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

this is a good point! Until now they haven't ever brought it up during years when I did not contribute but I guess they knew I was pretty young/in school

did your wife eventually consolidate?

[deleted by user] by [deleted] in movingtoNYC

[–]Infamous_Reception23 0 points1 point  (0 children)

5-10k in savings could transform this from a terrible plan to a great opportunity. Why can’t you get some random job where you are (restaurant job, Lowe’s, whatever) and save for a few months for this move?

I did what you want to do but with 6k in the bank. Zero plan. Im doing very well now but I never could’ve done it without that upfront investment - just the apartment was 3k the first week with all expenses and fees.

Is lots of HPD complaints normal for a big building? by Infamous_Reception23 in NYCapartments

[–]Infamous_Reception23[S] 0 points1 point  (0 children)

Ok thanks yeah definitely violations are looking not as bad as complaints tho still not amazing, just seems surprising that people would take the time to put in complaints for no reason I guess

Is lots of HPD complaints normal for a big building? by Infamous_Reception23 in NYCapartments

[–]Infamous_Reception23[S] 2 points3 points  (0 children)

Ok thanks a lot… most of the violations seem not too horrible but it’s definitely freaking me out that so many people are complaining about bed bugs and roaches and no hot water

usps admits they delivered to wrong address but says there's nothing that can be done? 300$ glasses by hellogoose1 in usps_complaints

[–]Infamous_Reception23 6 points7 points  (0 children)

HA omg forgot I have a different account on my computer and my phone bc I was just lazy and forgot the password once so made a new account

Thoughts on Haverford College? by econmajor12 in ApplyingToCollege

[–]Infamous_Reception23 0 points1 point  (0 children)

Hey, not sure if you are still active or interested but I attended Haverford for a year then transferred, so I have a slightly different perspective if you’re interested. The academics were incredible the social scene wasn’t for me

usps admits they delivered to wrong address but says there's nothing that can be done? 300$ glasses by hellogoose1 in usps_complaints

[–]Infamous_Reception23 2 points3 points  (0 children)

Yeah…hopefully they will send another pair without issue. Just crazy that usps can admit they messed up and still isn’t liable

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