Search found 18 matches

by inspector00
Tue Jun 23, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of telecommuting
Replies: 4
Views: 700

Tax implications of telecommuting

My company is closing my home office in NY State and having me telecommute. As part of this arrangement I need to select a "home office" that would be either in NYC, MA, or CT. My taxes would still be based out of NY for the bulk of my work, but I would need to charge any vacation or holid...
by inspector00
Sun Jun 07, 2015 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4539

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I was recently in a similar situation as the OP where I was told I'd have to pay the full deductible of my high deductible health plan before the delivery. It wasn't a formal situation where it had to be a certain amount every month or anything but it was expected that the full amount be paid ahead ...
by inspector00
Thu Apr 23, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Offer >=$100 Back in First Few Months?
Replies: 5
Views: 680

Re: Which Credit Cards Offer >=$100 Back in First Few Months

Depending on how much you can spend in the first few months, you can do much better than $100.
http://www.doctorofcredit.com/best-cash ... p-bonuses/
by inspector00
Sun Mar 29, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a high-deductible plan?
Replies: 5
Views: 841

Re: Should I get a high-deductible plan?

I run the numbers every year and find that the high deductible plan makes sense for me no matter what my expenses were because the open access plan is so much more. If you're healthy it almost certainly makes sense for you. Here's another way to think about the $1500 deductible. Your employer puts i...
by inspector00
Sun Apr 13, 2014 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 9329

Re: Use credit cards to pay rent: Amex Serve?

The credit card doesn't charge the "provider" of the goods or services a 2-3% fee? No. For instance, to earn 20k ThankYou points redeemable for $200 gift Walmart gift card after $1500 spent in the first 3 months, I transferred $500 to my wife. She logged in to immediately transfer the who...
by inspector00
Sun Mar 23, 2014 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Large Federal Refund but owed NYS tax, how to adjust?
Replies: 4
Views: 337

Large Federal Refund but owed NYS tax, how to adjust?

I got married in 2013 so this was my first time filling Married Jointly. As a result I received a $2600 federal refund but owed $230 in NY State Taxes. I'd like to modify my witholding to get the federal number closer to $0 but how can I do this without risking the fee for underreporting my state ta...
by inspector00
Mon Jul 29, 2013 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1164

Re: Finalizing portfolio changes, please advise

I appreciate your advice as this drastically simplifies my portfolio while also keeping low expense ratios and proper diversification. I put together a spreadsheet that tracks percentages of stocks, bonds, international stocks, small cap, and large cap. How far off my target allocations should I be ...
by inspector00
Fri Jul 26, 2013 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1164

Re: Finalizing portfolio changes, please advise

I've added the expense ratios for HSA, sorry I didn't have that initially.
by inspector00
Thu Jul 25, 2013 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1164

Re: Finalizing portfolio changes, please advise

the value of my HSA already exceeds my High Deductible and will reach the out of pocket maximum by the end of the year. I may use the money from this account to pay for a health emergency out of convenience but I would like to treat it as long term money. Having said that, are there any other funds ...
by inspector00
Thu Jul 25, 2013 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1164

Re: Finalizing portfolio changes, please advise

Thank you all for your quick responses, this was very helpful. I agree that simplifying the number of funds involved will help maintaining a good ratio. Overall I'm finding I agree most with ruralavon's advice in keeping bonds in the Roth IRA for 2 reasons. 1) As mentioned the selection of bonds in ...
by inspector00
Thu Jul 25, 2013 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1164

Finalizing portfolio changes, please advise

In a previous thread I listed my current asset list and with the advice of one poster I made many changes. I've moved my ROTH IRAs and taxable mutual fund to vanguard. Before I finalize and reallocate within my non-taxable accounts I'd like to get some advice and any tweaks that are recommended: Eme...
by inspector00
Sun Jul 07, 2013 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 8
Views: 1126

Re: Portfolio Help Please

I thought about it and I would rather treat my HSA as a regular investment account for the long term. Now that I'm on a family plan I will be depositing alot more money into it and would have about double the deductible at the end of 2013. I have a very large emergency fund so I don't know that I wo...
by inspector00
Sat Jul 06, 2013 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 8
Views: 1126

Re: Portfolio Help Please

[quote="Grt2bOutdoors"][quote="inspector00"]Emergency funds: Yes (in a 5 Year Ally CD 2.4%) Take your 20% bond money and buy one of the two funds - Short Duration or Long Government (though i'd be curious to know what the duration of that fund is before you do invest in the Long ...
by inspector00
Thu Jul 04, 2013 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 8
Views: 1126

Re: Portfolio Help Please

That is one of jillions of variations someone can write down, and not either right or wrong in the abstract. It is better to learn a little about investments and asset allocation and arrive at your own conclusions. I hope I've included enough information for you guys, Please let me know if there's ...
by inspector00
Tue Jul 02, 2013 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 8
Views: 1126

Portfolio Help Please

Emergency funds: Yes (in a 5 Year Ally CD 2.4%) Debt: 30 year Mortgage of $152k at 3.875% Tax Filing Status: Married for first time this year Tax Rate: 25% Federal, 6.85% State State of Residence:NY Age:26 Desired Asset allocation: 80% stocks / 20% bonds (open to suggestions, bonds seem to be tankin...
by inspector00
Mon Jul 01, 2013 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest HSA funds
Replies: 2
Views: 458

Re: Where to Invest HSA funds

Thank you for the quick reply. I mostly think of the HSA as an investment account but I have pulled small amounts out of it for convenience. I'll go ahead and gather all the information in the format you posted as I know I have alot to learn.

Thanks
by inspector00
Mon Jul 01, 2013 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest HSA funds
Replies: 2
Views: 458

Where to Invest HSA funds

my HSA allows you to invest funds with some limited options. I don't know that i've made an optimal decision with investing this money, I've been maxing out the account for a little while and having recently added a spouse to my account I will be putting twice as much in as I had before. Any advise ...

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