Search found 82 matches

by Coolstavi
Wed Dec 20, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8232

Re: New Honda CRV is MotorTrend's SUV of the year

wanderer wrote: ↑ Unfortunately, on our first long trip (2500 miles) we found out we were both sore and stiff from just a short time in the car. We both felt the car was noiser and more underpowered than we exected as compared to what we had remembered in our 2005 Prius. We had already donated the ...
by Coolstavi
Tue Dec 19, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4244
Views: 1144777

Re: U.S. stocks in freefall

Got an exciting new phone notification. A wild downward pointing arrow to inform me VNQ dropped 2%. I was checking it a lot about 1.5 years ago when I was rebalancing my REIT so I guess Google thinks I care about it. No similar exciting numbers for S&P 500 though. Wonder if that is the biggest swin...
by Coolstavi
Thu Dec 07, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo Plus Question
Replies: 0
Views: 171

Amazon Echo Plus Question

Hello all, I just got the Amazon Echo Plus. I have been playing around with it trying to pair it with the Hue Phillips light that came with it. I have synched it with my Echo Plus while at home and it works when there. However, when I leave the house and use the Alexa app, it says the device is unre...
by Coolstavi
Sat Nov 25, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1283

Re: What laptop with my usage?

http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=5904620&Sku= OP, Buy a refurnished Window Dell laptop. The above unit is $195 with shipping. http://www.tigerdirect.com/applications/campaigns/deals.asp?campaignid=3331#CampaignCat17 More selection on above link. Chromebook ...
by Coolstavi
Sat Nov 25, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1283

Re: What laptop with my usage?

Does this look like a solid chromebook for me? Right in my price range.

https://www.amazon.com/dp/B076QLB9DD/_e ... 84619VXMZE
by Coolstavi
Tue Nov 14, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1283

Re: What laptop with my usage?

Sounds like a chromebook might be my best option.

What brands would you consider? Is there a certain mb level or ssd (no idea what any of these things mean) that I should make the bare minimum when purchasing?

Forgot Black Friday/Cyber Monday is coming. I should wait til then.
by Coolstavi
Tue Nov 14, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1283

Re: What laptop with my usage?

Chromebook Was wondering about this. But for some reason, I have this idea that they are kind of 'cheap'. You didn't say anything about budget? (Important to state before all the Apple fans start chiming in). Also - are you going to travel with it or is it primarily for use around the house (weight...
by Coolstavi
Tue Nov 14, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1283

What laptop with my usage?

Hey all, my Dell laptop is almost done after 7 solid years. Very happy with how it has gone. It's time to get a new one. Which one would you recommend based on what I do. - Heavy internet browsing. - Listen to music from time to time and videos online - In case I do something else, I don't want the ...
by Coolstavi
Sun Oct 29, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1291

Storage Recommendations for pictures

I just realized this today (and probably should have much sooner) but I have 2 years of pictures/videos of my son of my computer. The hard drive could crash any day now and we would lose all of those memories. That would be HORRIBLE if it happened. So now with that thought, I need to figure out how ...
by Coolstavi
Sat Oct 21, 2017 2:36 pm
Forum: Forum Issues and Administration
Topic: Abbreviations
Replies: 7
Views: 601

Re: Abbreviations

Yes thank you. Wasn't sure if 'DH' meant something along the lines of Divorced Husband or Deceased Husband. It was weird wondering why people kept living with their 'DH's when they were divorced...
by Coolstavi
Sat Oct 21, 2017 2:27 pm
Forum: Forum Issues and Administration
Topic: Abbreviations
Replies: 7
Views: 601

Abbreviations

I hope this is where I post this.

I am so confused when people are talking about their significant other and using many abberviations (DH or MIL..etc..) to describe them. Can someone explain what the most commonly used one are so I can understand the posts better?
by Coolstavi
Fri Oct 20, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13525

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by Coolstavi
Thu Oct 19, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: CFP vs DIY [Certified Financial Planner vs. Do It Yourself]
Replies: 5
Views: 620

CFP vs DIY [Certified Financial Planner vs. Do It Yourself]

I'm just a DIY investor with simple tax advantaged retirement accounts at the moment. I have learned many of the boglehead principles and have been applying them on my slow road to building a nest egg. I will read posts with windfalls and posters suggesting they get a fee only financial planner when...
by Coolstavi
Mon Oct 09, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 2235

Re: Probably a very simple investing principle but....

Ok, maybe my example of it going from 110 to 60 wasn't the best. 110 to 80, 90, etc....doesn't change what my overall question was. This was not meant to be a what if doom and gloom kind of question.

Thanks to the previous posters for answering my general question.
by Coolstavi
Mon Oct 09, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 2235

Re: Probably a very simple investing principle but....

have you done a search on bogleheads for lump sum vs. DCA? If not, you could start here: https://www.bogleheads.org/forum/viewtopic.php?t=101965 https://www.bogleheads.org/wiki/Dollar_cost_averaging let us know what you think about those links. Thanks for the links. I have reviewed many threads dis...
by Coolstavi
Mon Oct 09, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 2235

Re: Probably a very simple investing principle but....

A lot of helpful responses. I forgot about dividends. All of my current investments are tax-advantaged accounts and are set to re-invest the dividends so I don't really think of them as being there. I'm just trying to think ahead in the future if I am to come into a large-ish lump sum of cash, how I...
by Coolstavi
Mon Oct 09, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 2235

Probably a very simple investing principle but....

I need some help understanding how it all works. I hear people say that if you get a lump sum to just put it in the stock market. Time in is more important than timing. What I don't get is how you make money long term. Example: Buy a stock for $100. It goes up to $110. Yay. Then have a big crash and...
by Coolstavi
Thu May 18, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is it better to stay at 19 or 24 paychecks per year?
Replies: 18
Views: 2043

Re: Is it better to stay at 19 or 24 paychecks per year?

I think the only reason people go 24 paychecks is when they're fiscally irresponsible. In that case, said people are actually doing the fiscally responsible thing. I would imagine most of us here could be written their entire paycheck on Jan 1 and do okay.... not because everybody is/are millionair...
by Coolstavi
Thu May 18, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Is it better to stay at 19 or 24 paychecks per year?
Replies: 18
Views: 2043

Re: Is it better to stay at 19 or 24 paychecks per year?

Ok, was going to keep it 19 paychecks but wanted to see if there was anything I was missing. I have put my whole paycheck evenly into my 403b and 457 for the year so far. I'll adjust when I start to need a bit more cash. OR I will get one of those 0% APR credit cards and put all my money on there!
by Coolstavi
Thu May 18, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is it better to stay at 19 or 24 paychecks per year?
Replies: 18
Views: 2043

Is it better to stay at 19 or 24 paychecks per year?

I currently take my salary in 19 paychecks instead of the 24. Apparently no one at my school does this. But from a DCA standpoint, would it be better to spread out my 403b and 457 contributions over the entire year to catch any dips or does it not really matter in the long run?
by Coolstavi
Sat May 06, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 441459

Re: What's Your Credit Card Rewards Strategy?

I have to pay the my property tax bill soon which will help me hit a spend (it's about 2k). What card should I apply for? Already have 2 CSRs and a southwest card. I am over the 5/24 but my wife can get a Chase card.
by Coolstavi
Mon Apr 24, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Alternate Energy Supply Companies?
Replies: 4
Views: 536

Alternate Energy Supply Companies?

I was gone and my wife signed up for a switch to the US Gas and Electric (Illinois Gas and Electric). I have no idea what it is and she didn't really either. Unfortunately, she can't say no to sales people. What exactly is this? I am trying to read online but it seems very vague. We have 10 days to ...
by Coolstavi
Sat Apr 22, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

Thanks for the input. I looked on my 1040 and saw we paid 4% in taxes (for the dividends plus interest income) of the total trust distribution for the year. Clearing up the AGI vs the actual taxes paid was helpful in me understanding this better.
by Coolstavi
Sat Apr 22, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

This is why I am confused if $94 of the dividends are qualified, shouldn't only $6 be the number in my gross income? Why do you think the qualified portion of the dividends should be excluded from your gross income? If I am in the 15% tax bracket, shouldn't the qualified portion of the dividends be...
by Coolstavi
Sat Apr 22, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

As pshonore has said, the qualified dividends are a subset of the total dividends. Qualified dividends plus non-qualified dividends = total dividends Here is an example: Your trust owns a stock fund that pays $100 in dividends, but only 94% of those dividends are qualified. The trust passes the inc...
by Coolstavi
Fri Apr 21, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

The info on the K1 is input to a regular tax return using Form 1040. The Dividends/capital Gains worksheet is part of that return. Ok so on my 1040 it still says the same thing just in 9a and 9b. So how can there be ordinary and qualified dividends for almost the same amount (The ordinary is $6 mor...
by Coolstavi
Fri Apr 21, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

What kind of a K1?? Trust, Partnership, S-Corp? Partnership dividends (the normal investment type) usually show up in 6a and 6b so its probably not one of those. Generally, dividends passed through are taxed at your rate and if you're in the 15% bracket, there should be no tax if they're qualiifed....
by Coolstavi
Fri Apr 21, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

Re: K-1 Distributions of Dividends

Probably because all the ordinary dividends were considered to be qualified. Qualified dividends are a subset. Normally a small percentage is not due to holding period, foreign origin, etc. Your tax software will figure it out If that is the case, why would I have to pay income tax on it since I am...
by Coolstavi
Fri Apr 21, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 Distributions of Dividends
Replies: 13
Views: 1206

K-1 Distributions of Dividends

Ok so I am curious why box 2a and 2b in the K-1 form I received are nearly identical? Why would I have the same amount of ordinary dividends and qualified dividends?
by Coolstavi
Fri Apr 21, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 3304

Re: Building your own fence

Thanks for all the replies. We are going to go with vinyl instead of wood since I don't want to deal with staining and rotting. Since we are saving money and don't have a huge yard, I think it's worth it. We plan to live at this place for 10-15 years more at least. Renting a machine to dig the holes...
by Coolstavi
Thu Apr 20, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 3304

Building your own fence

Hello, Has anyone had experience building a fence for their yard? Did you think it was worth it to do yourself or did you wish you had a professional doing it? I have myself, my dad, brother-in-law and father-in-law to help. They are all very handy and have done many building projects themselves. I ...
by Coolstavi
Mon Mar 06, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 441459

Re: What's Your Credit Card Rewards Strategy?

Quick question on what option you would choose. I only have one chase credit card left as I am at 4/24 right now. I have 53,000 southwest miles. Would you do the 100,000 CSR reward or try for the Southwest 60k business card bonus and get the Companion Pass? Not sure how likely I am to get the busin...
by Coolstavi
Mon Mar 06, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 441459

Re: What's Your Credit Card Rewards Strategy?

Quick question on what option you would choose. I only have one chase credit card left as I am at 4/24 right now. I have 53,000 southwest miles. Would you do the 100,000 CSR reward or try for the Southwest 60k business card bonus and get the Companion Pass? Not sure how likely I am to get the busine...
by Coolstavi
Thu Feb 23, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: How is my Boglehead Progress going??
Replies: 6
Views: 1177

Re: How is my Boglehead Progress going??

4. Now I am starting to get antsy at work because I have put the ER carrot way too much in focus. What do you do about that while still gaining investing knowledge? My savings rate is now around 50-60% I'm not sure what you are antsy about. Can you expand on that a bit? I don't love or hate my job,...
by Coolstavi
Wed Feb 22, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: How is my Boglehead Progress going??
Replies: 6
Views: 1177

Re: How is my Boglehead Progress going??

Mods, can this be moved to 'Help with Personal Investments' forum. I mistakenly posted in the wrong forum.

Thanks.
by Coolstavi
Wed Feb 22, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: How is my Boglehead Progress going??
Replies: 6
Views: 1177

How is my Boglehead Progress going??

Hello! I spend way too much time on this site but I have learned so much over the past 6 months. I would love it if people could look over the progress I am making and see if there is anything I am overlooking, mistakes I am potentially making or something that could be improved. I am also intereste...
by Coolstavi
Thu Feb 02, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Just got the Chase Sapphire Reserve Card
Replies: 3
Views: 647

Just got the Chase Sapphire Reserve Card

I have a question though... I have read from some that the travel reimbursement happens on the next statement. I asked the banker when the travel reimbursement would happen and he said at the end of the year. Is that true? Or is this something they have to say so you can't game the system (get a tra...
by Coolstavi
Tue Jan 03, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 46
Views: 6099

Re: Lincoln Investments "Participant Directed Platform"

Coolstavi, did you just pick your Admiral funds from the Lincoln website's opening page --->Prospectuses? Maybe there's been some changes since A440 signed up? I just went to the prospectus for Vanguard on the Lincoln site and picked the standard 3 portfolio admiral shares. They allowed me to go wi...
by Coolstavi
Fri Dec 23, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card plans and thoughts?
Replies: 10
Views: 1395

Re: Credit Card plans and thoughts?

I think I will hold off on the Reserve til at least March or April when I start doing more heavy spending. This way I can also get the travel credit for 2017 and 2018. I was thinking of opening a Chase Sapphire Preferred first and then opening the Reserve down the road. Does this make sense? Or shou...
by Coolstavi
Wed Dec 21, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 46
Views: 6099

Re: Lincoln Investments "Participant Directed Platform"

I can't find anything on the internet when I do a search. Talked to a guy on the phone about my account and he had never seen someone with it before. It works and receives money though. I just went with a simple three fund portfolio and picked the Admiral Shares version on my application. I'd be wil...
by Coolstavi
Wed Dec 21, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 46
Views: 6099

Re: Lincoln Investments "Participant Directed Platform"

Coolstavi, that's great to hear! What state are you in--NJ like A440? No union involvement? Were the funds the same as those of Lincoln's Retirement Solutions Premier? All Vanguard Investor class but with no 0.90% Mgt/Wrap fee? https://www.403bcompare.com/Employee/SubProducts/FundingOptions/Funding...
by Coolstavi
Wed Dec 21, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 46
Views: 6099

Re: Lincoln Investments "Participant Directed Platform"

I successfully enrolled in the 457b plan that is offered. There is also a 403b option that is the same. My first couple of paychecks have been successfully placed into this account. For others interested, you will need to call Lincoln Investments directly and they will email you a PDF with the appli...
by Coolstavi
Sun Dec 18, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card plans and thoughts?
Replies: 10
Views: 1395

Credit Card plans and thoughts?

Hello all, looking for some opinions or suggestions on my plans for credit cards. I am trying to earn some extra cash for free since I basically put everything on a credit card and pay it off right away. Currently, the only card I have is the Chase Freedom card. After some research, I am looking int...
by Coolstavi
Tue Nov 29, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Income Confirmation
Replies: 8
Views: 1027

Re: ACA Income Confirmation

The family cost has nothing to do with the 9.6% affordability provision, it is based on the employee-only cost of coverage. If the coverage is considered affordable to the employee, that makes the rest of the family ineligible for a subsidy from the individual exchange market. See the "family glitc...
by Coolstavi
Tue Nov 29, 2016 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Income Confirmation
Replies: 8
Views: 1027

Re: ACA Income Confirmation

So maybe I should send in some of my latest paychecks showing I am putting half of my gross income into the 403b and half into the 457b and address the other income?
by Coolstavi
Tue Nov 29, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Income Confirmation
Replies: 8
Views: 1027

ACA Income Confirmation

I just signed my wife and son up on the marketplace for health insurance and got a decent rate. My work place does offer health insurance for my family but the cost would be 1000 additional per month which would put me way ahead of the 9.6% part of my income. Everything is close to being finalized e...
by Coolstavi
Mon Nov 21, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schedule K-1 form Question
Replies: 1
Views: 339

Schedule K-1 form Question

Hello, I am trying to plan taxes for next year. My plan at the moment is to put most of my salary into tax sheltered 403b and 457b plans. I then use the trust money to live off of. Since I will be in the 15% tax bracket, will I have any sort of income to report? At this point on the Schedule k-1 I g...
by Coolstavi
Fri Nov 04, 2016 6:05 pm
Forum: Investing - Theory, News & General
Topic: Preference for when to Asset Allocate?
Replies: 3
Views: 493

Re: Preference for when to Asset Allocate?

livesoft wrote:
2retire wrote:
Presumably the OP is asking about a tax-advantaged account that would not be killed on taxes if rebalanced often.
Correct.
by Coolstavi
Fri Nov 04, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Preference for when to Asset Allocate?
Replies: 3
Views: 493

Preference for when to Asset Allocate?

I have the option to reallocate monthly, quarterly or yearly. I currently set it to monthly. Is there any advantage/disadvantages when picking when to set the reallocation?
by Coolstavi
Fri Nov 04, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17607

Re: Great 403b for teachers?

Hey all, I enrolled online in the NEA Direct Invest program through Security Benefit 3 weeks ago. It is finally all set-up today. I will need to wait to see if they deposit my next paycheck correctly into the new account. I have previously had a 403b with them so I already had an online log-in set u...