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Re: $50,000 in Private Loans for Nursing Degree

I'm going to add my experience to the mix: A few years ago I was earning around $32,000/year and was accepted to a very competitive accelerated RN/MSN program. Upon completing the first RN, we were able to sit for the NCLEX and receive our RN license in CA. A previous BA was a requirement of the pro...
by karotte
Sat Oct 25, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3070

Re: What is reasonable for 403b fees?

I just has this same discussion with my boss lady, and what really motivated her to get the ball rolling re: a better retirement plan was: 1) Plugging in some numbers and showing her how much money you lose over time with high expense ratios (with yearly contribution and investment return staying th...
by karotte
Mon Jul 21, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1152

Re: 457 & Social Security - I'm confused!

Good point, Peter. I think as long as contributions are less than 7.5% of income, my employer will continue contributing to SS. I'll have to think about whether that is preferable. My employer doesn't contribute anything, but on the up side, i will be able to roll over into 401k, 403b, 457 or ira......
by karotte
Wed Feb 13, 2013 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 457 & Social Security - I'm confused!
Replies: 16
Views: 1165

Re: 457 & Social Security - I'm confused!

Thanks for the responses. My employer (city govt) does pay into social security - they have been for the previous years i have worked for them. It's only since i started contributing to the 457 that they no longer contribute to SS. I guess I will move forward with the 457, given that I will likely w...
by karotte
Wed Feb 13, 2013 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 457 & Social Security - I'm confused!
Replies: 16
Views: 1165

457 & Social Security - I'm confused!

I recently started contributing the max to the 457(b) offered by my employer. In my most recent pay stubs, I noticed that neither I nor my employer has been contributing to social security...i think it's because I'm contributing more than 7.5% of my income to the 457b. My question is, what does this...
by karotte
Wed Feb 13, 2013 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: 457 & Social Security - I'm confused!
Replies: 16
Views: 1165

Re: Starting a 457 - Portfolio Question

Thanks for your comments, K.I.S. After some digging, I found the ticker symbols and edited the original post to include these. Does this change your recommendation? Also, are these funds adequate as they are, or should I consider looking into the self directed brokerage acct with TD Ameritrade? And,...
by karotte
Fri Jan 11, 2013 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 457 - Portfolio Question
Replies: 3
Views: 290

Starting a 457 - Portfolio Question

Starting in 2013 I intend to fully fund my 457 account ($17,500), but am unsure which of these fund to pick. Any help is appreciated! Emergency funds: 6 months Debt: Student loan: $21,000 at 1.86% Tax Filing Status: married filing jointly Tax Rate: 25% Federal, 9.3% State State of Residence: CA Age:...
by karotte
Fri Jan 11, 2013 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 457 - Portfolio Question
Replies: 3
Views: 290

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