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Re: How to automatically transfer tenants rent to my account

I've done exactly what you describe with Chase Quickpay. Everything is automatic and doesn't need to be processed manually.

However, I think both accounts need to be chase- but I may be wrong.
by Allan12
Thu Dec 11, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to automatically transfer tenants rent to my account?
Replies: 22
Views: 1992

Re: Left job, rolled over 401k, returning to old position

I left my job last year in January with no intention of ever returning. I rolled over my 401k into a Roth IRA. I am now wondering if I was to return to my previous position would my rollover be treated as a distribution and I have to pay penalties and interest? If I was to return I would no longer b...
by Allan12
Thu Dec 11, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Left job, rolled over 401k, returning to old position
Replies: 5
Views: 661

Left job, rolled over 401k, returning to old position

I had a job that when I left I rolled over my 401k into a Roth IRA.

If I was to get rehired do I have to worry about it becoming a qualified distribution since I rolled it over?

I don't plan on contributing to the 401k going forward. The separation is just under a year.

Thanks in advance.

-A
by Allan12
Thu Dec 11, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Left job, rolled over 401k, returning to old position
Replies: 5
Views: 661

Re: Solar Panels for Home

BolderBoy wrote:Is the person coming to talk with you primarily a salesman or an engineer?

If the former, ponder his suggestions with the most jaundiced of eyes.


Yup salesman !
by Allan12
Sat Nov 29, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1669

Solar Panels for Home

Been thinking about going the route of solar for a while. Have had a few friends/family use this one company NRG and they are very happy with the results. I am having the rep come over my house next week to discuss/quote our options. Their solar program is a 20 year lease. He also mentioned I would ...
by Allan12
Sat Nov 29, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1669

Re: Help! Need Liquid Cash!

Certainly, this is something of a "slippery slope". And it certainly COULD be a full-blown emergency to the OP, but that is not clear from the info at hand. My post is not meant to condone the _general_ behavior of carrying long-term balances on my credit cards, but from what I can tell i...
by Allan12
Thu Nov 13, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2689

Re: Help! Need Liquid Cash!

Thank you everyone for advice, 100% agree that it was poor planning. Definitely know that many times these projects run over budget. If I make a minimum payment for only 1 month, and pay it back in full the following month will that reflect in my credit report? Spoke to American Express on phone and...
by Allan12
Thu Nov 13, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2689

Help! Need Liquid Cash!

28 years old, married, 100k combined income in NYC. The majority of our savings are in tax differed accounts including our emergency fund in Roth IRAs. In October we completed a kitchen renovation that went over our budget. This renovation was paid from our checking account surplus. This month we ha...
by Allan12
Thu Nov 13, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2689

Re: My CFP Plan

What are the requirements for the experience? Do you need to be working for a licensed planner? It may not be allowed to work independently prior to being licensed yourself. I guess that's one of my questions. Everything I've read implies I can work for myself. You need a qualified person to verify...
by Allan12
Thu Oct 09, 2014 5:02 am
 
Forum: Personal Finance (Not Investing)
Topic: My CFP Plan
Replies: 10
Views: 1615

Re: 3-Fund vs. Target Fund

Obviously as a boglehead I want to pay as little fees as possible for my investments. I used to run a 3 fund portfolio, but switched to a vanguard target date fund around a year ago, and couldn't be happier. I love the fact that if I have an extra $1000 I can contribute it to my fund and not have to...
by Allan12
Mon Sep 22, 2014 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 3-Fund vs. Target Fund
Replies: 7
Views: 1095

Re: Bad water pressure in house

I finally fixed a similar problem at a 2-family house in Queens. After determining the psi inside the house to be 40, I called DEP for their advice. DEP came to the house and measured the psi at a hydrant across the street at 40 also. They looked at our meter and suggested that the supply line to t...
by Allan12
Mon Sep 08, 2014 4:54 am
 
Forum: Personal Consumer Issues
Topic: Bad water pressure in house
Replies: 11
Views: 1241

Bad water pressure in house

All, Live in one of NYC boroughs in a single family home. Over the last year (bought it 2 years ago) I've noticed my water pressure is terrible! If I shower and someone is washing dishes the shower is basically useless. Vice versa, my exterior pressure for my hose is pretty poor as well. Is there a ...
by Allan12
Sun Sep 07, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Bad water pressure in house
Replies: 11
Views: 1241

Re: Contributing too much to 457?

Update: Been working tons of overtime, and now I am contributing almost $1000 a month to my 457, and my wife is contributing $400 month. Am I flawed in my logic that this amount is too high? We plan on both having pensions, social security, and a paid off house in retirement? Really feeling with the...
by Allan12
Wed Sep 03, 2014 6:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1072

Re: Wife Pregnant on Bed Rest- Help with existing std and lt

This has been very helpful. Thank you everyone. Contacted both std and ltd to get claim process started. Most likely, she will not have to use accrued sick time, we are just awaiting written confirmation. Definitely going to apply for ny state disability insurance as well, and hopefully the baby and...
by Allan12
Wed Aug 13, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1542

Wife Pregnant on Bed Rest- Help with existing std and ltd

Hello all, Found out my wife was pregnant a few weeks ago, and the doctor recently put her on bed rest. This bed rest may last for the duration of her pregnancy, 7 months, and she will be out of work. She has STD through her job, and an outside LTD policy with Northwestern Mutual (90 day waiting per...
by Allan12
Wed Aug 13, 2014 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1542

Re: Contributing too much to 457?

Wife (26)- State government worker, Husband, myself (27)- City government worker, ... Ps. We both have defined benefit retirement plans, but retirement is too far away to rely on these. Any advice would be greatly appreciated! My advice is not to disregard your state and city DB plans. You may not ...
by Allan12
Wed Jul 09, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1072

Re: Contributing too much to 457?

Not sure about your general question, but curious as to why you chose Target 2060 for the roth ira....wouldn't that put you at roughly 72? Yes, and ideally we will be retired in our late 50's. However, I love the idea of the target date funds, but I also want the most aggressive position possible, ...
by Allan12
Wed Jul 09, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1072

Contributing too much to 457?

Wife (26)- State government worker, contributes 10% to 457, makes 60k, increases roughly $2k a year Husband, myself (27)- City government worker, contributes 15.5% to 457, makes 50k, will double in 4 years Mortgage, 309k @ 3.625%, 28 years remaining, pay $300 towards principle every month Roth IRAs ...
by Allan12
Wed Jul 09, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1072

Re: No medical exam term life

Looking for my father, who is against a paramed/medical exam.
by Allan12
Sat Mar 29, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: No medical exam term life
Replies: 4
Views: 408

No medical exam term life

Are there any companies offering no medical exam term life?

I remember hsbc used to offer around 200,000 with no medical exam, but I couldn't seem to find any information about that.

I am looking for less than $500,000 for a 10 to 20 year period for pension maximization.
by Allan12
Sat Mar 29, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: No medical exam term life
Replies: 4
Views: 408

Re: Guaranteed 7% return too good to be true??

Yes, the current rate is 7%. Have a relative that is a NYC teacher. My thought is to max out the TDA with as much as possible guaranteed at 7% and reevaluate the next time the rate changes, if it does. The TDA is also great since if you retire at 55, you can withdraw without a penalty, since you sep...
by Allan12
Sat Mar 01, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 7% return too good to be true??
Replies: 19
Views: 3354

Re: Leased a Civic, Need Something Bigger

I've heard in passing the idea of taking over a lease.

In this case I am very interested, maybe it could work out for both of us?

If not, you can probably return it towards a new lease after explaining your situation. Of course they are going to make money on the deal.

I sent you a pm.
by Allan12
Tue Feb 18, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1327

Re: Becoming a CFP . . .

I completed the courses through American College but never took the exam. I certainly have the experience requirement. I would not recommend getting securities licenses if you don't want to "sell" investments. You will still be able to help clients with financial planning but you can't se...
by Allan12
Wed Jan 01, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a CFP . . .
Replies: 28
Views: 2329

Re: Cash in Your Wallet

I very rarely carry more than $5, living in nyc.

Edit..main reason is to have all credit transactions for mint.
by Allan12
Sat Dec 28, 2013 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4375

Re: Heating/Air conditioning/ "Set back" thermostat strategy

I am not too sure of the specifics regarding thermostats, but I do know that I switched to the nest thermostat and it's really helped my heating/ac become super efficient, pretty much without me ever touching it.
by Allan12
Mon Dec 23, 2013 7:19 am
 
Forum: Personal Consumer Issues
Topic: Heating/Air conditioning/ "Set back" thermostat strategy?
Replies: 54
Views: 3965

Re: Vanguard Target Retirement 2055 (VFFVX) Opinion

I think you are making a great choice. I've been a dedicated boglehead for just about a year, and previously employed the 3 fund portfolio. However, between managing my wife's and my own, I found it too time consuming. I recently switched our Roth IRAs to target date 2060, to match our risk toleranc...
by Allan12
Sun Dec 15, 2013 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 (VFFVX) Opinion
Replies: 19
Views: 2247

Re: Finishing a Basement

How does Tyroc compare to DRIcore?
by Allan12
Wed Dec 04, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 30
Views: 2528

Re: Need help - TDA with 7%=bonds? REITs?

My wife is a participant in the nys deferred comp plan, (http://nysdcp.com).

Where is the 7% guaranteed option? Can't find much intimation on it
by Allan12
Sun Nov 24, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - TDA with 7% plus?
Replies: 12
Views: 1528

Re: Why I will use Target Retirement for the foreseeable fut

I am a big believer in this strategy as well. I've been in the 3 fund portfolio for about a year, but never rebalanced due to not having the time/confusion. How would one such as myself switch Roth IRAs from 3 fund to target date 2060? Can I simply do an exchange to avoid risk of being out of the ma...
by Allan12
Thu Nov 21, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I will use Target Retirement for the foreseeable future.
Replies: 38
Views: 3822

Re: 1 Yr Progress, VTTSX going Forward

That's very helpful, extremely helpful actually! Truthfully, I would like to proceed without the target date fund, but want a clearer understanding of my true allocation. So my allocation is essentially: 42% vtsax 27% international 20% S&P 500 or vfinx hypothetically 6% extended market 5% bonds ...
by Allan12
Fri Oct 25, 2013 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 1 Yr Progress, VTTSX going Forward
Replies: 10
Views: 1324

Re: 1 Yr Progress, VTTSX going Forward

His 401k. 20% of Total Portfolio. 100% S&P 500. Her Roth IRA. 30% of Total Portfolio. 17% vbmfx. Vanguard total bond market index fund investor shares 83% vtsax. Vanguard total stock market index fund admiral shares His Roth IRA. 50% of Total Portfolio. 12% vexmx. Vanguard extended market index ...
by Allan12
Thu Oct 24, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Yr Progress, VTTSX going Forward
Replies: 10
Views: 1324

Sell overlapping Extended Market Fund

Allan: Is your Extended Market Fund in a taxable account? If so, what is it's capital-gain or loss? It's in my Roth IRA. I would hold onto it to complement the 500 Index Fund in your taxable account. Suggestion: If you list the percentage of each fund in your TOTAL portfolio (not within accounts) it...
by Allan12
Thu Oct 24, 2013 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Yr Progress, VTTSX going Forward
Replies: 10
Views: 1324

Re: 1 Yr Progress, VTTSX going Forward

Taylor,

Thank you for your advice!

I am a big fan of the 3 fund portfolio, however, I have about 10% of my portfolio in vanguard extended market index fund (inv). Should I sell out of that and adjust my contributions going forward?
by Allan12
Thu Oct 24, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Yr Progress, VTTSX going Forward
Replies: 10
Views: 1324

1 Yr Progress, VTTSX going Forward

27 years old, and luckily found this forum (awesome resource) last year. Currently have low six figure portfolio comprised of 5 vanguard mutual funds, that I contribute to bi-weekly. This strategy for my Roth IRA will remain in place going forward. 96% stocks (68% lg cap, 23% mid cap, 9% small cap, ...
by Allan12
Thu Oct 24, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 1 Yr Progress, VTTSX going Forward
Replies: 10
Views: 1324

Re: UPDATE-10.16 VERY High Student Loans: Invest in 401K or

What I didn't realize about sofi is the limited amount of schools.

Unfortunately, I called them up and my school wasn't listed.
by Allan12
Fri Oct 18, 2013 6:02 am
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE-10.16 VERY High Student Loans: Invest in 401K or Not?
Replies: 39
Views: 4501

Re: VERY High Student Loans: Invest in 401K or Not?

UPDATE: After hearing of the anecdotal evidence in this thread about Sofi, I decided to try to refi my student loans with them. I was approved, sent in all of the paperwork, and signed the loan documents today. My fixed rate 7.35% student loan is becoming a variable 2.93% (LIBOR + 2.75%), on a ten-...
by Allan12
Thu Oct 17, 2013 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE-10.16 VERY High Student Loans: Invest in 401K or Not?
Replies: 39
Views: 4501

Re: Home security ideas

Hello all, We have had a spate of burglary attempts in our neighborhood- 1 successful and 3 attempted. All during the daytime. 2 (maybe 3) were when no one was at home, 1 with someone inside (the guys, knocked on the door and acted like they were service reps coming in to fix something in the house...
by Allan12
Tue Oct 15, 2013 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Home security ideas
Replies: 31
Views: 2357

Re: Is 3D tv better for Non-3D viewing?

I am by no means an expert on tv's or electronics, just an average user.

I have a 3D TV and have only used it handful of times, mainly the kids love it!

I do think the picture is better than tv's without 3D.

However, if I had to buy a new tv I would skip the 3D.
by Allan12
Sat Oct 05, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Is 3D tv better for Non-3D viewing?
Replies: 9
Views: 881

Whole Life to Term Insurance

I am 27 years old, married with no kids, but $320k mortgage. I have $400,000 of whole life insurance, broken down into 4, $100,000 policies. I am trying to switch over from perm to term. I was approved for 500k term 30 with William Penn. I plan on having kids in the near future and will take out add...
by Allan12
Thu Oct 03, 2013 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life to Term Insurance
Replies: 1
Views: 179

Re: Mouse in House

A timely thread - I've caught 6 mice in the last 2 days. Before this, I had never seen a mouse in my house in my life. It may be because a construction company just clear cut a nearby forest. Scary how quickly and how often mice can reproduce...4 of the 6 were babies. They get EVERYWHERE! Ughhhh, a...
by Allan12
Wed Oct 02, 2013 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: Mouse in House

We found a dead one in the basement a few weeks ago and the wife freaked out. When it comes to pests I tend to find that attacking the issue pretty aggressively with peremiter and interior treatments is best to nip it in the bud quickly. I put down a bunch of spring loaded traps baited with peanut ...
by Allan12
Mon Sep 30, 2013 5:58 am
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: Mouse in House

Was the mouse gray or brown? Gray - house mouse, brown - field mouse. Either way, they love peanut butter, so you could set traps with that. I prefer the poison blocks previously mentioned. These green blocks (various manufacturers) make the animals thirsty and they leave your house searching for w...
by Allan12
Sun Sep 29, 2013 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: Mouse in House

Traps work but you have to place them where the mice run, and I discovered that I'm not very good at thinking like a mouse: of the dozen or so traps I laid out only one location ever caught any mice, but that one worked repeatedly. For what it's worth, that was under the stove all the way back, len...
by Allan12
Sun Sep 29, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: Mouse in House

I'm curious what you are looking for when you watch you kitchen security video. I've never heard of such a practice. Mice in small numbers are harmless. If there are particular places you really don't want them, just put traps there and you'll be OK. Basically the camera is in a location that monit...
by Allan12
Sun Sep 29, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: Mouse in House

Cleanliness (dirt) has nothing to do with attracting animals. It's either the food source or they're looking for a new place to live. I'm betting the new construction disturbed their home and they've moved to a a new location. IOW, they were already living in (or just to the outside of) your house....
by Allan12
Sun Sep 29, 2013 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Mouse in House

Hello all, Been living in a house for two years, and my security camera saw a mouse run in front of it on Friday night in our kitchen. I don't check the tapes every night, so I could've missed previous instances. Never saw a mouse before even during the winter. Naturally, we are very upset because i...
by Allan12
Sun Sep 29, 2013 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3355

Re: 9 Month Progress- Portfolio Review/Thoughts

abuss368 wrote:Most investors hold at least 20% in bond funds.

This provides "dry powder" as Jack Bogle so often notes for the downturns to rebalance (along with new funds) into equities.


Yup, I've always thought that 10% is acceptable for an aggressive investor?
by Allan12
Thu Sep 05, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 9 Month Progress- Portfolio Review/Thoughts
Replies: 5
Views: 713

Re: 9 Month Progress- Portfolio Review/Thoughts

One option you could consider is to invest in an all in one Target Retirement Fund from Vanguard. These funds are simple, low costs, diversified, and automatically rebalanced daily. Vanguard recently did add Total International Bond Index to the Target series which I am not to thrilled with, but ov...
by Allan12
Thu Aug 29, 2013 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 9 Month Progress- Portfolio Review/Thoughts
Replies: 5
Views: 713

9 Month Progress- Portfolio Review/Thoughts

Always had the boglehead mind frame when it came to savings. However, at the beginning of the year I began following the bogleheads investing advice. We are 27 and 25, and trying to very aggressive given our long time horizon to retirement. 96% stocks, 4% bonds. However, after spending much time on ...
by Allan12
Thu Aug 29, 2013 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 9 Month Progress- Portfolio Review/Thoughts
Replies: 5
Views: 713

Re: Install In-Ground Sprinklers?

I would encourage you to check out MP Rotator spray heads (now owned by Hunter) and a smart controller before you pull the trigger on anything else. http://www.hunterindustries.com/irrigation-product/nozzles/mp-rotator I have a Weathermatic SL1600 smart controller, wired Weathermatic weather statio...
by Allan12
Tue Aug 13, 2013 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Install In-Ground Sprinklers?
Replies: 39
Views: 3582
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