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Re: Student Loan Consolidation- DRB

How is the approval process?

Has anyone processed as a parent plus loan? Want to do variable rate.

-A
by Allan12
Fri Apr 24, 2015 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Consolidation- DRB
Replies: 11
Views: 741

Re: Lawn Sprinkler System

Switching heads may not work. If the system is operating properly you may have to add heads and possibly zones. There may be a problem with pressure or the heads or the lines. Does the system feed from high pressure lines from the street? I am not sure what you mean by brass. Perhaps the heads are ...
by Allan12
Fri Apr 10, 2015 5:30 am
 
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 629

Re: Saving for retirement to supplement a pension

For what it's worth, I am 30 years old, have a pension that will most likely be available to some extent when I retire, and have asked myself the same question. Here's what I decided to do: Obviously, I contribute a pre-determined percentage to my pension. Fine with me. I then contribute 10% of my ...
by Allan12
Fri Apr 10, 2015 5:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for retirement to supplement a pension
Replies: 16
Views: 1704

Re: Adding small-cap value fund to Vanguard Target Retiremen

What's the name/symbol of Vanguard's small cap fund that corresponds to this articles 25% tilt?
by Allan12
Thu Apr 09, 2015 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Adding small-cap value fund to Vanguard Target Retirement?
Replies: 13
Views: 1134

Lawn Sprinkler System

All, Now that spring is here, I had a quick question about my lawn sprinkler system. I bought my house and the front lawn (25x25) has 2 sprinkler heads that don't provide full coverage or anything close. The system is supposedly brass. Does anyone have experience with brass sprinkler systems? I am w...
by Allan12
Thu Apr 09, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 629

New Credit Card for Home Improvements

Goodmorning, Just interested in seeking out any expertise for a top credit card. I am looking to do a few various home improvements next month and I was wondering if anyone knew of a credit card that has an introductory offer of 0% interest for a year or so with decent rewards. The purchases will ma...
by Allan12
Sun Mar 15, 2015 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: New Credit Card for Home Improvements
Replies: 3
Views: 462

Re: CPA doing taxes for first time

If you do use a CPA, one thing that seems to fall between the cracks are non-deudctible contributions to tIRA and the Form 8606 that documents that contribution. I don't why this happens, but it has been reported numerous times that this question just didn't get asked. So if it applies to you, make...
by Allan12
Wed Feb 18, 2015 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 576

Re: CPA doing taxes for first time

Sidney wrote:They won't (should not) file your return until you sign From 8879 authorizing them to e-file your return.


Perfect thanks for the heads up! Exactly what I was looking for.
by Allan12
Wed Feb 18, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 576

CPA doing taxes for first time

All, I've been doing my own taxes via the turbo tax platform for close to a decade. This year I was referred to a CPA who is charging a little more than what I paid last year with turbo tax. I have a new job this year and he works with many members of my professional community and I feel I may be ab...
by Allan12
Wed Feb 18, 2015 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 576

Re: Likelihood of Admiral shares for the Target Retirement F

I am 100% invested in vanguard target date 2060. If I was to run a 3 fund portfolio what's the difference between expense ratios? I think I remember reading for 100k it was around a $100 year difference. Is that still the case or am I mistaken?
by Allan12
Thu Jan 22, 2015 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2316

Re: 401k Rollover to IRA to Roth Conversion

I think you should be getting a 1099 (perhaps on-line?) for the $8000 you converted to a Roth. That's what I thought. Yes, probably online since I am paperless. Is the deadline to send it out still like February 1st? Lastly, I also cashed in a bond that in which I received $3500 of deferred interes...
by Allan12
Wed Jan 14, 2015 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 343

401k Rollover to IRA to Roth Conversion

Quick Question: During the year I left my job and rolled over my 401k into a new Vanguard IRA and then converted half of it (around $8k) into my already established Roth IRA with Vanguard (Target Date 2060). Is the form I should be expecting from Vanguard a 1099 or should I be looking out for someth...
by Allan12
Wed Jan 14, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 343

Re: Target Date Fund vs. 3 Fund Portfolio

I love the target date funds, and am willing to pay a little extra for the simplicity of them. I don't think they're good investments for a taxable account though. I am 28, my wife is 26. We each have our Roth IRAs in vanguard, and each account has only one fund Target Date 2060. I find I'm more wi...
by Allan12
Fri Jan 09, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 4110

Re: Savings Bonds as gifts: Do I need the child's SS#

It's a shame what has happened with treasury direct and trying to buy bonds for kids. The process has become so confusing. My wife tried getting a bond for her godson thinking it wouldn't be much more complicated then going to the bank. She decided against setting up the account and now no longer bu...
by Allan12
Fri Jan 09, 2015 5:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings Bonds as gifts: Do I need the child's SS#
Replies: 8
Views: 1118

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1628.50
by Allan12
Sat Jan 03, 2015 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20926

Re: Cheapest Way to Watch Netflix

The529guy wrote:I love my Chromecast! Currently $29.99 on Amazon (support the forum!).


Turns out I price matched in BestBuy for $29.99.

Thanks for all the help everyone!
by Allan12
Thu Jan 01, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3171

Re: Cheapest Way to Watch Netflix

Have very good wifi in the house, watch netflix constantly on my smart tv located in a different room. How would I find out if I have open hdmi input? Look at all the holes on your TV that you can plug things into. Look for one that says "HDMI" on it. If there's nothing plugged into it, y...
by Allan12
Wed Dec 31, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3171

Re: Cheapest Way to Watch Netflix

Have very good wifi in the house, watch netflix constantly on my smart tv located in a different room.

How would I find out if I have open hdmi input?
by Allan12
Wed Dec 31, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3171

Cheapest Way to Watch Netflix

I have an LCD flat screen tv (non-smart/internet) that I would like to view Netflix on. I am wondering what's the cheapest way to add the capabilities to watch netflix on this tv. Is there a cable that I can run to hook up my ipad to tv and control from my ipad? I know I can get netflix with Apple T...
by Allan12
Wed Dec 31, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3171

Re: CFP Education - College for FP vs. American College?

Great thread, I also have an MBA, and the people I wanted to help the same clientele as you. I completed my CFP coursework through up the American College. I worked in a wealth management company a couple of years back that covered the tuition. I also completed the work experience requirement throug...
by Allan12
Fri Dec 19, 2014 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: CFP Education - College for FP vs. American College?
Replies: 4
Views: 734

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: 2154

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: 686

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: 686

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: 1883

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: 1883

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: 2810

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: 2810

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: 2810

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: 1678

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: 1142

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: 1292

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: 1292

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: 1121

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: 1566

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: 1566

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: 1121

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: 1121

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: 1121

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: 427

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: 427

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: 3490

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: 1339

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: 2521

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: 4440

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: 4069

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: 2865

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: 2644

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: 1607

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: 3837

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: 1447
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