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Re: No Foreign Fee Credit Card - Exchange Rate

I cancelled the Barclay Arrival+ last month just before the one year anniversary. They didn't ask or pressure me into staying. I would have stayed, but I didn't want to pay the fee. The card was actually enrolled in my wife's name (I had a card too). I wonder if I could do another card in my name a...
by icefr
Tue Dec 16, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 870

Re: What to do with Orphaned Small $ Rollover IRA

You could roll it to a Vanguard Rollover IRA and buy some shares of an ETF that would satisfy your asset allocation and then leave it alone. That would avoid the fund minimums.
by icefr
Fri Dec 12, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Orphaned Small $ Rollover IRA
Replies: 9
Views: 627

Re: Cash Back Credit Cards

You can't do a straight comparison of a MasterCard to an Amex. I used the Fidelity Amex as my primary credit card for a year and found that with the number of times I had to use a backup 1% visa because a merchant didn't take Amex, I only saw about 1.75% cashback, not 2%. The comparison is then 89/...
by icefr
Thu Dec 11, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Cards
Replies: 28
Views: 2700

Re: sizeable negative balaance on credit card--how to access

I had this issue once. I called the bank and they did an ACH credit to the account that I use to make payments on the account. Worked out great!
by icefr
Thu Dec 11, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: sizeable negative balaance on credit card--how to access?
Replies: 24
Views: 2685

Re: Vanguard IRA Beneficiary Designation

I remember having to set the beneficiaries again when I opened my Traditional IRA and I'd already set them on my Roth IRA, so I think they can be separate, but you can also make them the same if you want.
by icefr
Thu Dec 11, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard IRA Beneficiary Designation
Replies: 3
Views: 397

Re: Cash Back Credit Cards

If you travel a lot and like having only one card: Barclaycard Arrival Plus World Elite Mastercard - 2.2% CB when used for travel If you prefer something lower effort with no annual fee: Fidelity Amex - 2% CB ... Note that the 2.2% benefits of the World Elite card require you use your points on tra...
by icefr
Thu Dec 11, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Cards
Replies: 28
Views: 2700

Re: Lump Sum Windfall of $28,000

Here are the full details on the loans: Loan TypePrincipal Balance *Interest Rate Open Section Direct Unsubsidized Stafford $3,421.20 6.550% Open Section Direct Unsubsidized Stafford $5,574.81 6.550% Open Section Direct Unsubsidized Stafford $6,604.48 6.550% Open Section Direct Unsubsidized Staffor...
by icefr
Wed Dec 10, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Windfall of $28,000
Replies: 9
Views: 1036

Re: Lump Sum Windfall of $28,000

Your student loans are at a reasonably high interest rate. I would strongly consider paying them down before investing in retirement if I were you. A 6% return is pretty comparable to what you would get from stocks.
by icefr
Tue Dec 09, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Windfall of $28,000
Replies: 9
Views: 1036

Re: High(ish) earner; spending too much?

I also work in tech, though I make less than half of what you do (average $145k in the last 5 years). My net worth at 26 is around $530k, including equity in my condo. I assume that I won't continue to make this much money forever and have continually spent ~$35-50k/year since college, saving 50-80%...
by icefr
Mon Dec 08, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 66
Views: 6994

Re: New Car: Pay cash or take loan at 1.49%

I took out a loan for my current car and paid it off in 12 months. I could have just paid cash. I wished I had when I figured out how much hassle it was to get the lien taken off the title of the car. I'm with EmergDoc - just pay cash.
by icefr
Mon Dec 08, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Car: Pay cash or take loan at 1.49%
Replies: 23
Views: 2464

Re: Tax Exemptions - W4 Withholding Allowances

The IRS Withholding Calculator should be able to help you answer this question: http://www.irs.gov/Individuals/IRS-With ... Calculator
by icefr
Wed Dec 03, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Exemptions - W4 Withholding Allowances
Replies: 7
Views: 797

Re: What to calculate withdrawals on?

Why not calculate withdrawals based on expenses and make sure you're withdrawing no more than 4% of your balance?
by icefr
Mon Nov 17, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to calculate withdrawals on?
Replies: 11
Views: 932

Re: Do you optimize for consistent cash flow? (max 401k earl

I don't really care about even paychecks. Mine change a lot anyway. I like maxing it out early so it's done. My current company does a true-up match in March if you're still employed with them and otherwise you only get the match for each paycheck. Some years I contribute evenly, others I max it out...
by icefr
Sun Nov 02, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you optimize for consistent cash flow? (max 401k early)
Replies: 7
Views: 866

Re: PPO vs HSA (hsa seems too good to be true)

Our new plan does not cover prescriptions until you hit the deductible. Does anyone know how to find out how much your prescriptions would cost if you've never seen the price and it's a new plan and a new company? Try looking for your Explanation of Benefits for your prescriptions. I can get at the...
by icefr
Tue Oct 28, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2816

Re: Another Student Loan payoff question

You shouldn't be saving for your kids' educations when you have $134,000 in student loans. Your interest rate is reasonably low. I would take the 11k you are putting into 529s each year and apply that to your student loans instead. If your two loans are the same interest rate, I would be concentrati...
by icefr
Tue Oct 28, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Student Loan payoff question
Replies: 2
Views: 335

Re: HSA HDHP or Traditional PPO?

Looks like your premiums will go down $104 per month or $1248 per year, plus your employer will put $585 into your HSA, for a total savings of $1833 each year if you don't use the plan at all. A pregnancy with delivery could cost around $30,000, so you would pay out the deductible of $3,000 and then...
by icefr
Thu Oct 23, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP or Traditional PPO?
Replies: 2
Views: 321

Re: selling RSU immediately

My only slight hesitation to this is that over the years I would meet people who work at high flying companies (think AAPL, GOOG, AMZN, TSLA, etc.) and would think to myself "wow, you've been working there for 15 years...the stock that you have must be great" However, finding out that the...
by icefr
Tue Oct 21, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 2083

Re: AA: taxable versus non-taxable and allocation calculatio

I don't tax adjust because I assume that a fair amount of my withdrawals in retirement will be in low enough tax brackets that it's not worth worrying about. I mean, a married couple can have $73,800 of taxable income before their capital gains will be taxed. That seems pretty sufficient to live off...
by icefr
Wed Oct 15, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: taxable versus non-taxable and allocation calculations
Replies: 11
Views: 649

Re: -11.33% YTD, asking for some guidance

The last thing I would like to ask is: when I switch jobs, is it when you can go with Vanguard for example ? Or I'm just stuck until 60 years old period. I would like to not redo the same mistake. When you switch jobs, you have a few options: 1) Leave your 401(k) where it is. [Not recommended due t...
by icefr
Wed Oct 15, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3463

Re: Leaning towards buying a 1-BR condo in Bay Area

I must say though that I'm so glad I bought a 2BR because now my boyfriend is moving in with me and we could not have done that had I bought a 1BR. Not to pry, but I don't get it. Does your boyfriend sleep in a different room? No, but we are both introverted and like personal space. The second bedr...
by icefr
Wed Oct 15, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2160

Re: Leaning towards buying a 1-BR condo in Bay Area

People seem to be really against buying when you're single. I encountered the same issue when I talked about buying a 2BR condo while single a few years ago. I did it and I'm so glad I did! Rent prices have soared and I just absolutely love homeownership. It sounds like you've done your due diligenc...
by icefr
Tue Oct 14, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2160

Re: Choosing separate Health Plans for spouses?

My employer doesn't have a surcharge for spouse having their own health insurance plan, but the additional premium for having a spouse makes it not worth it to share plans if both people have decent plans, so I don't foresee a married future in which my boyfriend and I would share health insurance p...
by icefr
Tue Oct 14, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing separate Health Plans for spouses?
Replies: 4
Views: 292

Re: Leaning towards buying a 1-BR condo in Bay Area

denovo wrote:Conventional wisdom says 2 bedrooms have poor resale value and prospects. Could you swing a 2 bedroom and get a roommate?


Do you mean that 1 bedrooms have poor resale value? 2 bedrooms are so much more marketable in my area.
by icefr
Mon Oct 13, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2160

Re: I want to pay off my mortgage.

Have you paid extra on your mortgage such that you could recast your loan and reduce your payment? You could also pay it down partially and then recast instead of paying the entire thing off. An extra option at least.
by icefr
Wed Oct 01, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2741

Re: Company stock match, good deal?

My 401(k) plan matches into company stock, but I can move the money out during any trading window. I usually do this once a year to minimize my exposure. It's just as easy as exchanging between funds. I don't know if other plans work like that though I would say even if they don't, it's worth it for...
by icefr
Wed Oct 01, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company stock match, good deal?
Replies: 18
Views: 1235

Re: Almost 2 year checkup + 401k ?

My only real question is regarding the 401k. My company offers a Roth 401k option. Without my 17.5k t401k contribution, I would be in the 28% federal bracket. Is it worth paying the higher tax rate to switch to the Roth 401k option? I would be making Traditional 401(k) contributions for sure so lon...
by icefr
Sat Sep 27, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 996

Re: Banks that categorise your expenses...

Fidelity also does this. They have Full View to go with their cash management account (aka checking account).
by icefr
Sat May 03, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Banks that categorise your expenses...
Replies: 12
Views: 933

Re: How much was your total 2013 credit card rewards

Only $243.57 in 2013. I think I should be able to get close to $1,000 in 2014 though with some sign-up bonuses and a better primary card (Fidelity Amex 2% cashback) than what I started 2013 with (a 1% cashback card with a $25 annual fee).
by icefr
Thu Jan 02, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4998

Re: Pemco or other insurance company for home, auto, umbrell

I had PEMCO for a couple years and they were great! I switched recently because I was able to reduce my insurance costs by about 25% annually. I did file a claim and it was handled quite well.
by icefr
Mon Dec 30, 2013 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pemco or other insurance company for home, auto, umbrella
Replies: 4
Views: 302

Re: 2014 Portfolio Thoughts

trekwars2000 wrote:If we are going to do a Roth for 2013, is this something we need to open tomorrow?


No, you should have until mid-April-ish. (I forget the exact date.)
by icefr
Mon Dec 30, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 Portfolio Thoughts
Replies: 10
Views: 1538

Re: New Roth IRA - ShareBuilder - How To Invest?

I just got a bonus promotion to use them so I did, though I should have figured it was a way to drum up business and I'd pay it back in fees. So then get the promotion and then move your money out :) They're doing the promotions to drum up new business, but you need to keep *your* best interests in...
by icefr
Mon Dec 30, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA - ShareBuilder - How To Invest?
Replies: 11
Views: 1302

Re: Credit Inquiries

I haven't seen any such inquiries on my credit reports and I check them regularly.
by icefr
Sat Dec 28, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Inquiries
Replies: 5
Views: 310

Re: taxes on dividends

If they're in a non-retirement account, you should get a 1099 from Vanguard (or your brokerage firm) and you will report them on Schedule B of your tax return. The portion that is qualified dividends will be taxed at capital gains rates and the portion that is unqualified will be taxed at your margi...
by icefr
Thu Dec 26, 2013 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: taxes on dividends
Replies: 10
Views: 810

Re: First time poster, portfolio plan sanity check

1) Roll your old 403(b) into the current 401(k) with Vanguard. Don't roll it into an IRA - that'll block the Backdoor Roth IRA. 2) Move your Roth IRA out of those high-fee funds!!! 3) Where are your spouse's accounts? 4) Do a backdoor Roth IRA for each of you for 2013 and 2014. ($22,000 in new cont...
by icefr
Thu Dec 26, 2013 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1304

Re: Portfolio help

First of all, remove any references to your employer from both this post and your previous one. We don't need to be able to identify you from the internet. Annual income : $130K (including bonuses). Your income seems quite low for the area and industry. Are you including the stocks that vested this ...
by icefr
Thu Dec 26, 2013 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 1
Views: 227

Re: High Deductible Health Plan question

What happens when I go to the doctor with the HDHP? Will I pay nothing up front and wait on a statement from the doctor? I generally pay the amount due at the pharmacy and get a bill in the mail 1-3 months later from everyone else. Will I be paying full freight until I hit our deductible (which wil...
by icefr
Tue Dec 24, 2013 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1970

Re: Apartment vs House

You can also rent a house. It really depends on your area which is cheaper, but if you don't know if you want to stay in your area/state after the next few years, then renting is usually better. The New York Times has a great buy vs rent calculator: http://www.nytimes.com/interactive/business/buy-re...
by icefr
Tue Dec 24, 2013 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apartment vs House
Replies: 12
Views: 1387

Re: First time poster, portfolio plan sanity check

I’ve been a casual investor for a few years but several months ago I read The Bogleheads’ Guide to Retirement Planning (a great book!) and now I’m trying to reshape my portfolio. I’m a huge fan of the three fund portfolio concept and want to simplify my investments as much as possible. I love the t...
by icefr
Tue Dec 24, 2013 3:52 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1304

Re: New to Investing

The way that your colleague suggested is a fine approach. Another approach is to try to track the total market, which would be 80/20 Vanguard Institutional Index and Vanguard Extended Markets: http://www.bogleheads.org/wiki/Approximating_total_stock_market Otherwise, the approach that your colleague...
by icefr
Sun Dec 22, 2013 2:28 am
 
Forum: Investing - Theory, News & General
Topic: New to Investing
Replies: 4
Views: 508

Re: High-Fee Tax Deferred 401k vs. Low-Fee Taxable Index Fun

UPDATE: The 3-year contract was up for negotiation last month. We didn't change providers, but they did give us several index fund options with lower fees (see 3rd column "NEW"). I'm currently 100% vested in Vanguard Wellington Adm (VWENX), but I'm looking to create a lazy 3-fund portfoli...
by icefr
Fri Dec 20, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee Tax Deferred 401k vs. Low-Fee Taxable Index Fund
Replies: 12
Views: 1042

Re: Considering a "Year Off" from retirement contributions..

You get the point. You all make plenty of money, your wife should definitely be maxing out her retirement account, especially with how much money you have in a taxable account. When I retire, I definitely want an extra $445k-$1.25 million in my account where I can walk into a dealership and not eve...
by icefr
Fri Dec 20, 2013 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 5657

Re: Help with new company 401k choices

My 401(k) also charges a fee if I leave the funds there after leaving the company, so I plan to roll it over to an IRA or into a new 401(k) when I change jobs. In your case, since your income is below the Roth IRA contribution limit and with the funds available in your new 401(k), I would roll it ov...
by icefr
Wed Dec 18, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new company 401k choices
Replies: 8
Views: 409

Re: Slice & Dice or Keep it simple?

Some of the Vanguard funds have corresponding ETF's that have lower ER's. What do others think about using the ETF's instead of Admiral shares? I have been wondering about this myself. ETFs versus index funds are really a personal preference. I tried them and decided I hated them. You can buy mutua...
by icefr
Thu Dec 12, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: Slice & Dice or Keep it simple?

Thank you for the reply. I have access to two small-cap funds in my 401(k), but both are relatively high cost. Baron Small Cap Inst'l (1.05) Dreyfus Small Cap Index Fund (0.50) - the better option Should I utilize the Dreyfus small cap, Vanguard Mid-cap, and Wells Fargo Advantage Index together in ...
by icefr
Thu Dec 12, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: What percentage of your income are you saving?

I'm 25 and I save about 75-80% of my net income, including bonuses. I max out my 401(k), Backdoor Roth IRA, and HSA. I also include regular mortgage principal payments, as well as taxable investments, cash savings, and extra mortgage principal payments in this number.
by icefr
Thu Dec 12, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 13285

Re: 401k help

Your portfolio looks pretty good. As for the mid-cap fund, about 6% of US stocks are mid-cap: http://www.bogleheads.org/wiki/Approximating_total_stock_market Does your 401(k) not have access to a small-cap fund as well? You have a few options when you have a S&P 500 index fund, but no extended m...
by icefr
Wed Dec 11, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: Tips on staying the course...

I play with spreadsheets and then don't do anything. So instead of acting, I play with spreadsheets. That covers my need to fidget. Apparently, I don't need to actually fidget - I just need to fidget with the numbers somehow and a spreadsheet (or more than one...) is good enough for that. Some peopl...
by icefr
Wed Dec 11, 2013 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1489

Re: 401k help

If you want advice on your portfolio, you should post the whole portfolio: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You shouldn't make decisions on one piece of your portfolio without looking at it as a piece of a whole, so my default suggestion would be that you probably don't w...
by icefr
Wed Dec 11, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: New company health plan, seeking advice

My concern with saving the receipts is that I might lose them via fire, theft, or my own stupidity. +1 That's why I've gone the route of withdrawing expenses I do have and leaving the money there. If you have no or few expenses, you'll still let a good $ amount accumulate each year. Or you can keep...
by icefr
Wed Dec 11, 2013 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588

Re: New company health plan, seeking advice

That is a really awesome benefit! Congrats! Many people are doing as you described to pay expenses out of pocket. I'm still torn on what to do, but my plan at the moment is: 1) Max out the HSA every year 2) Pay expenses with a rewards credit card (2% back on my $1,500 deductible + more expenses this...
by icefr
Wed Dec 11, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588
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