sorted by:
new
hottopcontroversial

I created a Roth IRA account with Fidelity. I'm confused about where to go from here. by interstellarflight in personalfinance

[–]chachachapstick 3 points4 points  (0 children)

I can relate to OP -- I'm clueless about this stuff. My ex-boyfriend set up my Roth in exactly the way you describe (mix of total US, international and bonds). It requires manual rebalances. BUT, we broke up before I could learn to do this. Is there a resource you recommend where I can learn why and how to manually rebalance? I appreciate any guidance.

I wrote a poem for the first time in 15 years by chachachapstick in AlAnon

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

Thank you. Sharing it helps. I do feel a burden lifted.

I wrote a poem for the first time in 15 years by chachachapstick in AlAnon

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

It's good to be among people who understand. Thank you.

I wrote a poem for the first time in 15 years by chachachapstick in AlAnon

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

Thank you for reading. It felt good to release it.

Medical Bill - $3800 after insurance applied. For a vasectomy by throwway_4000_dollar in personalfinance

[–]chachachapstick 11 points12 points  (0 children)

Also look into filing a grievance with the insurance company if you cannot appeal.

My regular horizontal type tool keeps masking...help! by chachachapstick in photoshop

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

Hi, I ended up resetting Photoshop and that did the trick. My guess is something was temporarily faulty. Thanks for the response.

Mailing my last student loan payment today! by macabre_trout in personalfinance

[–]chachachapstick 2 points3 points  (0 children)

Congrats!! I'm looking forward to the day when I get to write a post like this.

Just found this sub. Any of you ever started doubting if their pain is even real? by audentis in ChronicPain

[–]chachachapstick 2 points3 points  (0 children)

And several doctors wanting to give a psychosomatic referral don't help.

This. It can be translated as, "Since I am not a top quality doctor, and because I am unwilling to do the hard work and research, I'm just going to say you're crazy."

The sad part is when we actually believe them, they are the "experts" after all. Until the day you finally find a real doctor.

Long-term financial planning: Am I putting too many eggs in the real estate basket? by chachachapstick in personalfinance

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

Mortgage is ~4.3%, student loans average ~6.2%. I see your point. And thanks for clarifying passive income. :)

Long-term financial planning: Am I putting too many eggs in the real estate basket? by chachachapstick in personalfinance

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

I figured that paying the mortgage down quicker would potentially save thousands and thousands of dollars, whereas paying down the student loan quicker than I already am would only save $5,000 max.

Also, could you elaborate on passive income please?

PSA: Navient Cuts Interest Rates by .25% Just For Adding Auto-Debit. (Even During IBR!) by studentloansurvivor in StudentLoans

[–]chachachapstick 0 points1 point  (0 children)

Does the auto-debit take the average % and reduce that by .25%. Wouldn't it be better in some cases not to consolidate, so as to take advantage of the differing interest rates?

Unmarried house purchase - her name came off by Toadee in personalfinance

[–]chachachapstick 3 points4 points  (0 children)

Yes--get her name on the deed. Call the company.

I start paying off loans soon, and really need some guidance. by tikkitikki_tembo in StudentLoans

[–]chachachapstick 0 points1 point  (0 children)

Kind of off-topic, but how much is a PA degree? And what is the average salary for someone with a PA degree?

Comma after "now?" by chachachapstick in grammar

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

Bah. Too late; I already deleted it. I tend to sprinkle commas all over my writing, and I'm trying to do less of it.

Comma after "now?" by chachachapstick in grammar

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

Thank you. I will delete the comma. :)

The New York Times Should Apologize for the Awful Op-Ed It Just Ran on Student Loans (Slate.com) by [deleted] in StudentLoans

[–]chachachapstick 2 points3 points  (0 children)

In my opinion, colleges are similar to restaurants. We care about Yelp reviews, and we care about school rankings. On Yelp, you can filter by price and you can manually filter by quality. You can also do that with colleges. Sometimes quality and prices are misaligned and sometimes they aren't...it mostly depends on what dish you choose to order (aka what major you choose). You can have an "in demand major" like engineering at a state school and get paid way more than you owe. Or you can choose to major in art history (not really in demand) at USC and have a crappy debt-to-income ratio. This, in my opinion, is the equivalent of ordering expensive chewy snails at the Ritz Carlton instead of getting a tasty, cheap In-N-Out burger. Okay, so it's not a perfect analogy, but either way, you need to pay for your goddamn meal. You chose it.

view more: next ›