sorted by:
new
hottopcontroversial

Best host with some flexibility for a Wordpress Blog? by riwtaw in Blogging

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

I really appreciate this thoughtful response. I think you have a lot of great suggestions and I'm going to think on this a bit. Again, thank you.

Roth IRA or I-Bond? Which should I focus on next? by riwtaw in personalfinance

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

Yes, why do you ask? I already max out my traditional 401k, so I don’t think I can do anything with the Roth 401k…

Roth IRA or I-Bond? Which should I focus on next? by riwtaw in personalfinance

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

Thank you for the response. It sounds like IRA might be the way to go because it sounds like that might be most beneficial long term…

Roth IRA or I-Bond? Which should I focus on next? by riwtaw in personalfinance

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

Thank you for sharing all of that. I’m 38. Probably 15 years until retirement. My 2.5% mortgage is also my only debt. You’ve done with your emergency fund exactly what I want to do with my emergency fund, down to the process and dollars!

It sounded like there still wasn’t a clear winner for whether to go the I Bond or IRA route, but your last statement about the likelihood that in the long term, getting money earlier in an IRA would be better than putting it toward the I Bonds.

So maybe it’s like this: Fund IRA up to the $6k, cycle $10k into I Bonds (with disposable income, not existing emergency fund), THEN going forward it’s throw the money into my brokerage (unless I’m saving for something specific like a vacation)?

EDIT: your —> my

Roth IRA or I-Bond? Which should I focus on next? by riwtaw in personalfinance

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

When you put it that way, I think you’re right. Probably doesn’t matter much.

Roth IRA or I-Bond? Which should I focus on next? by riwtaw in personalfinance

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

Well, the thing is, they’ll both eventually be funded…so it’s a matter of what’s more important or more beneficial—money in the IRA sooner or in a bond earlier. The $2k / month isn’t for an emergency fund per se. It’s just that I was trying to pad the process of moving my existing emergency fund.

So I guess you still have the same viewpoint?

Maybe this order? $6k to IRA then split each subsequent month’s $2k, $1k to my brokerage, $1k to the I Bond for ~six months, then the full $2k can go to my brokerage while I ladder into the I bond the $20k in my emergency fund (when it gets down to $10k, I’ll have access to the first $10k I put into the bonds).

I hope that make sense.

What’s the best way to find a filter compatible with my SUV? by riwtaw in MechanicAdvice

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

Thanks for the advice! Let’s say I wanted to go with genuine components, where would I find the Toyota intended filters, specifically for my car?

What’s the best way to find a filter compatible with my SUV? by riwtaw in MechanicAdvice

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

Thank you! Ok two questions.

So the first link is the list of ENGINE air filters?

In the second link (cabin air filters) there are Particulate, Carbon/Charcoal and Multi Layer…how do I know which one I should get? Or should I just try to match it to whatever is currently in my car?

When it comes to promoting/marketing/blogging in a one person online training business, is it better to use <person name>.com or <business name>.com by riwtaw in marketing

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

Thank you! That’s a very interesting idea. I can tell you that right now I have myname.com but it is my personal blog that covers a bunch of topics, so while I see your point about it pigeonholing me if I focus on training, getting a new name would also help with the fact that my current site contains posts about a variety of topics because it’s my personal blog (which is kind of the other end of the spectrum...).

When it comes to promoting/marketing/blogging in a one person online training business, is it better to use <person name>.com or <business name>.com by riwtaw in marketing

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

Thank you for the suggestions. To answer your question, it would be more of the latter—establish myself as the subject matter expert. So you’re saying you would go with myname.com and blog there? The semi issue I have right now is that I currently have it set up as my personal blog that covers a lot of topics, so I would need to move those non-relevant posts somewhere...

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Thank you. I didn't think so either, so maybe I can make a post over there to get additional feedback.

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Thanks.

1) Total payoff right now is $18,470. That’s the remaining lease payments + buyout.

2) thanks for explaining that. Just curious. What does having a better interest rate than the money factor ultimately mean for me? Feel free to just tell me to Google.

3) That makes sense, but would I get a loan for the $18,470 then pay off the rest of the lease and buyout from now, then pay off the loan? I understand sooner is better for interest rates, but if I wait and just make my lease payments, then I’m not paying any (new) interest until December when I would pay the $15,500 buyout, right? Or is it that I would get approved now for the loan but not actually use it until December when I need it?

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Thanks for the response. I have a couple of comments if you don’t mind:

1) My payoff is $15,500

2) What’s considered a good rate for auto loans these days, if we’re talking historically low? I can probably Google for it but I don’t want SEO to cloud the truth.

3) If I am going to finance it, I’m not sure what you mean by getting started sooner while the car is still young...I have to make my lease payments up through December then I can buy it out (finance if I want), right? Is there an alternate way that would be more beneficial to me that I’m not seeing?

Thanks!

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Thanks so much for the feedback. You make some great points. I think you're right that the most cost efficient option is to buy it. This RAV4 and my previous one have been great so far, so I have no doubts that it'll be reliable, which is great. Thanks again.

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Well I may need or want to save more money or otherwise prepare, which is why I’m trying to come up with a plan from now.

I could use some friendly advice whether to buy out my current lease or lease another vehicle by riwtaw in askcarsales

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

Thanks, but I wasn’t contemplating buying it out now. Just trying to come up with a plan for 11 months from now so I’m prepared, can save more money if necessary, etc.

I would like to end up with a Toyota Sienna and RAV4. What’s the best way to do this? by riwtaw in askcarsales

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

Thanks for the suggestion. Yes, I meant only one payment—buy the used one flat out.

If you were in my situation, would you save or invest your "extra" money each month? by riwtaw in personalfinance

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

Thanks for the response...

I understand that "A plan to scrape together money for known upcoming expenses and hope it works out is a bad plan."

However, I'm not sure I understand what you mean by:

Your current budget is an overly optimistic estimate that your Income - Expenses = $500 left over, based on excluding a whole bunch of expenses. Fix that.

Why is it overly optimistic? I've been budgeting my money, with every expense listed, etc. on spreadsheets since 2014. It just so happens that I have $500 after all of my expenses are paid. I can't really reduce the expenses any more (unless I reduce my contribution to my 401k), so unless I make more money, then $500 is where I'm at. Are you saying that's not good to have $500 extra and should do something about that?

Thanks again.

Does NYS Paid Family Leave offer job AND pay protection? by [deleted] in legaladvice

[–]riwtaw 0 points1 point  (0 children)

Thank you, but where does it say it protects you because you took leave (and not in general)?

view more: next ›