Search found 222 matches

by Goal33
Sat Feb 25, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3423

Re: Ethical dilemma involving birthdays and wine..

I'd continue to enjoy the wine... would not sent a hint to try and be removed from the fancy wine list. That sounds crazy to me.
by Goal33
Thu Feb 23, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 35
Views: 2261

Re: $200 Emergency Visit Copay Waiver?

I'd just pay the 200 and be done with it
by Goal33
Mon Feb 20, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2155

Re: Mother-in-law Financial Problems

If you convinced her to sell the house and she has agreed to stop buying things, I think you solved the problem...
by Goal33
Sun Feb 19, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2028

Re: Advice for my Age - 28

your cell phone bill is too high
by Goal33
Fri Feb 17, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 26
Views: 2605

Re: Car windshield wipers - go cheap or better?

I find the Goodyear ones at Costco to be the highest quality and only slightly more expensive than the cheapest ones you'd find at an automotive store.
by Goal33
Fri Feb 17, 2017 1:58 am
Forum: Personal Finance (Not Investing)
Topic: IRA for just one year?
Replies: 16
Views: 686

Re: IRA for just one year?

So now my guess is that the best plan is: ⋅  fully fund a roth ira for me for 2016 ⋅  fully fund a TIRA for spouse for 2016 ⋅  backdoor roth in the future If he does the TIRA for spouse in 2016 he won't be able to do backdoor roth for spouse (without paying taxes on th...
by Goal33
Thu Feb 16, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRA for just one year?
Replies: 16
Views: 686

Re: IRA for just one year?

Actually, should have noted that your spouse could also do a deductible IRA for 2016 as an alternate. Does that mean she can continue doing that in future years as well? Reading some of the links provided, I think the answer is no. So now my guess is that the best plan is: ⋅  fully fund a...
by Goal33
Mon Feb 13, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2387

Re: Need quick advice: Pay full year's rent or large security deposit?

Maybe OP should cosign for daughter and keep the 5 extra months of security deposit in case daughter messes up.
by Goal33
Mon Feb 13, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4065

Re: What to do with daughter's $100

She should use it as a security deposit on her own apartment.
by Goal33
Sun Feb 12, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 5387

Re: Is 130k a good salary in IT?.

I make more than that in IT and I'm 25 with 2 years of experience in the Bay Area. So, the answer is that it depends.
by Goal33
Fri Feb 10, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: What to do with $12000?
Replies: 15
Views: 2163

Re: What to do with $12000?

It's not too late to put it into the Roth for 2016. Better to let it sit in a roth than to let it sit not in a roth
by Goal33
Mon Feb 06, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1517

Re: Employer requesting signing NDA

whodidntante wrote:Tell them you're quitting over the NDA. Be inconsolable.


Haha
by Goal33
Thu Feb 02, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Holding a Relative's Mortgage
Replies: 20
Views: 1374

Re: Holding a Relative's Mortage

The most simple thing she could do is not do this. I don't see the benefit?
by Goal33
Sun Jan 29, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Received 1099-G?
Replies: 29
Views: 2150

Re: Received 1099-G?

My mother received a 1099-G from the State, reporting the total overpayment for state income tax in the 2015 return. I've never seen this before. On the back of the form it states that the IRS notifies the state who should be issued a 1099-G. The 2015 return was the final joint return for my parent...
by Goal33
Sat Jan 28, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Determining max amount to spend on a house?
Replies: 27
Views: 3321

Re: Determining max amount to spend on a house?

Very familiar with the areas you're considering. 2.5 will buy you something nice. I don't think you can even get into Piedmont for less than 2 now.
by Goal33
Sat Jan 28, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit Question
Replies: 3
Views: 679

Re: IRS Audit Question

Thanks, you're right.
by Goal33
Sat Jan 28, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Investment property to help my family?
Replies: 23
Views: 1681

Re: Investment property to help my family?

My BIL is having kid number 5, and needs to move for work and space. He can't qualify for a mortgage because of his credit, but renting a home where he is moving to costs significantly more than a mortgage on the same home (Very LCOL area). He found a home that is bank owned and needs a little work...
by Goal33
Fri Jan 27, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: IRS Audit Question
Replies: 3
Views: 679

IRS Audit Question

First time I filed my tax return I didn't have a clue... I didn't include my stock transactions b/c ultimately I had lost like $50 for the year and I assumed it didn't matter. It did matter because back then the brokerage would only report stock sales and not basis like now. I ended up getting a let...
by Goal33
Wed Jan 25, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Full time to part time.
Replies: 41
Views: 3081

Re: Full time to part time.

Is he just lazy? I can't imagine willingly going from 85k to 43k income if I wasn't closer to financial independence.
by Goal33
Wed Jan 25, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to stop working overtime?
Replies: 56
Views: 4454

Re: Can I afford to stop working overtime?

jjface wrote:Someone spending $9k a month is not thrifty. But whatever works for you.


+1
by Goal33
Wed Jan 25, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5651

Re: Biting the bullet and getting off the roof.

Unless you've made a profession of it you probably shouldn't be on your roof. When I worked in the ER it was full of folks like you taking on projects like this. I'd rather pay a few hundred than fall from a ladder or roof.
by Goal33
Tue Jan 24, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Someone wants to pay me with a credit card.
Replies: 10
Views: 1317

Re: Someone wants to pay me with a credit card.

Square doesn't have an upfront cost. They just charge a fee around 3% of the transaction. I'd say that would be your easiest bet if they are willing to pay 3% more because of the ease of processing.
by Goal33
Mon Jan 23, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: minimum necessary to retire at defined expense level
Replies: 37
Views: 3441

Re: minimum necessary to retire at defined expense level

See my username for appropriate goal times spending
by Goal33
Sun Jan 22, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Reasons against margin aside from risk of margin call?
Replies: 23
Views: 1623

Re: Reasons against margin aside from risk of margin call?

This one is a biggie for me. If you use margin, your broker can lend out your shares for short-sellers. You gave your permission when you signed the margin agreement. I have nothing against short-sellers, but they pay you cash-in-lieu of a dividend. This is taxed as ordinary income instead of the l...
by Goal33
Sun Jan 22, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4750

Re: Selling diamond engagement ring

Maybe you can keep the stone for the next one. Sell the setting for 1k or something.
by Goal33
Sat Jan 14, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or 457 -- Which choice is better and why?
Replies: 9
Views: 903

Re: What to do with $85k in 'new' money? Need advice.

I like option 3 but you may want to consider doing it over longer than 2 years depending on your marginal tax brackets. I.e if you are usually in the 25%, maybe only put enough money to defer at that level and don't just blindly contribute and end up deferring a bunch that would have been taxed at 1...
by Goal33
Fri Jan 13, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3199

Re: Stay in paid-off starter house vs. dream house+work a few more years

Just have to send a little "lol" here as I bought a home for the around same price with 20% down on a single income of approx 130k income in CA (high state tax). I still max out my Roth, and 401k and don't even feel strapped. So at 600k income I'd say yes, you can go for it.
by Goal33
Sun Jan 08, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 3454

Re: Which car paint option Maaco

Your car is a beater. You need to embrace it's character or move on to a new vehicle.
by Goal33
Fri Jan 06, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10709

Re: Is driving for uber worth it for side money?

Depends on how much you make at your full time job...
by Goal33
Mon Jan 02, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate new job offer with no 401k match
Replies: 14
Views: 874

Re: Help evaluate new job offer with no 401k match

The compensation difference between the two jobs are not significant enough to make a decision based on compensation difference.
by Goal33
Mon Jan 02, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Buy or keep renting in Manhattan?
Replies: 23
Views: 2685

Re: Buy or keep renting in Manhattan?

Well it's hard for me to say this, because I bought a house at approx 5x my income (financed 80% of it), but I think you should wait until you you are ready to buy a house of this value in cash. My thinking and the difference between our situations: My house is a pretty standard townhouse in a very ...
by Goal33
Sat Dec 31, 2016 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Helping a married child with first home
Replies: 56
Views: 4028

Re: Helping a married child with first home

I think what would be needed would be some sort of post-nuptial agreement between your daughter and her husband. Let's say house is $1 million. You give $300,000 to the daughter for downpayment, etc. The post-nuptial agreement would say something along the lines of, upon divorce, the family home's ...
by Goal33
Fri Dec 30, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Citibank Price Rewind question
Replies: 6
Views: 1055

Re: Citibank Price Rewind question

Citibank contracts an insurance company. I would imagine they pay them a certain amount of overall spending on covered cards, and the insurance company manages claims and payouts. I try to be a savvy shopper on big ticket items, so it never works out for me due to coupons and such. Have you been re...
by Goal33
Thu Dec 29, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Citibank Price Rewind question
Replies: 6
Views: 1055

Re: Citibank Price Rewind question

Citibank contracts an insurance company. I would imagine they pay them a certain amount of overall spending on covered cards, and the insurance company manages claims and payouts. I try to be a savvy shopper on big ticket items, so it never works out for me due to coupons and such.
by Goal33
Thu Dec 29, 2016 1:21 am
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 2939

Re: Expected returns 2017-2047

Bad: -1% real Ok: 0% real Good: 1% real Spectacular: 2% real I am just trying to keep up with inflation in the most tax efficient manner possible. You are aware that your prediction for "spectacular" returns is worse than 95% of observed 30 year periods? That's... pessimistic to say the l...
by Goal33
Thu Dec 29, 2016 1:01 am
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 2939

Re: Expected returns 2017-2047

Bad: -1% real Ok: 0% real Good: 1% real Spectacular: 2% real I am just trying to keep up with inflation in the most tax efficient manner possible. You are aware that your prediction for "spectacular" returns is worse than 95% of observed 30 year periods? That's... pessimistic to say the l...
by Goal33
Wed Dec 28, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 2939

Re: Expected returns 2017-2047

Bad: -1% real
Ok: 0% real
Good: 1% real
Spectacular: 2% real

I am just trying to keep up with inflation in the most tax efficient manner possible.
by Goal33
Wed Dec 28, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 8464

Re: Are there any benefits to achieving "great wealth"?

I saw a billionaire executive at my company drive up to REI in an old Kia (maybe worth 5k?) on a random Saturday... I sent a message to my brother something along the lines of "wow, I'm at REI and I see our CEO who is a billionaire is so cheap, he drives a Kia!". My brother sent back "...
by Goal33
Mon Dec 26, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Rental - Sell or "One more year"
Replies: 16
Views: 1578

Re: Accidental Rental - Sell or "One more year"

I'd sell when the current tenants decide to move. If it's better for them to move in the summer or something, I'd let them do that, too.
by Goal33
Tue Dec 13, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: keep rental condo?
Replies: 11
Views: 1195

Re: keep rental condo?

I don't agree with the posters above who think that the returns are terrible... After 179 more payments, there will be no more mortgage payment.
by Goal33
Tue Dec 13, 2016 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or index invest?
Replies: 12
Views: 1285

Re: Pay down mortgage or index invest?

I index invest -- and it's not because I think I can do better investing than I can paying down by 3.5% mortgage. I index invest because I want to be able to access the money easily if need be.
by Goal33
Sun Dec 11, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Buying car - sales tax question
Replies: 5
Views: 482

Re: Buying car - sales tax question

residence
by Goal33
Fri Dec 09, 2016 1:27 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9057

Re: HSA - is keeping 40 years of medical records practical?

I have an HSA and based on this thread don't think I understand it fully (or at all). I thought that I could use the funds from my HSA to py medical expenses as they occur . But from reading this thread you are all saying that in 40 years from now, I could withdraw my funds to reimburse myself for ...
by Goal33
Fri Dec 09, 2016 1:17 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9057

Re: HSA - is keeping 40 years of medical records practical?

I thought about the same decision and just decided to take my cash out now.
by Goal33
Sat Nov 26, 2016 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Larger down payment/points for lower mortgage rate?
Replies: 4
Views: 629

Re: Larger down payment/points for lower mortgage rate?

Since you want to pay off the home earlier, I'd go in with the extra down to get the better rate. Though in my experience, 20% down was enough to get the best rate...
by Goal33
Thu Nov 24, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing in 401k
Replies: 13
Views: 1544

Re: Cashing in 401k

Not cashing in the 401k is his best option
by Goal33
Wed Oct 26, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1400

Re: What would you do? Payoff...

Are you maxing out your 401k this year? You could adjust your paycheck to get that done by the end of the year while using this money to cover the monthly shortage that may cause. I agree that you want an emergency fund more like $20k than $5k. Maybe you just put a bunch in taxable investments plan...
by Goal33
Fri Oct 21, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Wedding gift for my sister - amount?
Replies: 38
Views: 3030

Re: Wedding gift for my sister - amount?

$1000

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