Search found 36 matches

by adam61
Sun Jul 03, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8168

Re: How to make an easy $500 like I just did [Chase bank offer]

There's lots of branches nearby I just need a coupon code.
by adam61
Sun Jul 03, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8168

Re: How to make an easy $500 like I just did [Chase bank offer]

It seems like it's a bonus for joining Chase, but it wants me to login to get the coupon??? Do you have to already have a chase account to get the bonus? Or is there another way?
by adam61
Wed Feb 10, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Company Paid Relocation Expenses, Can't get full understanding of taxes/benefit value
Replies: 12
Views: 652

Company Paid Relocation Expenses, Can't get full understanding of taxes/benefit value

My company is asking me to move for a promotion. They have what seem to be very favorable relocation benefits. But I'm unsure what the tax consequences are and even if I work with a CPA on next year's taxes the move will have already been made, so I know specific tax advice can't be given, but could...
by adam61
Sat Feb 06, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2575

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Yes car's are replaced at two different times a year when they exceed 80k miles. Usage is not optional, I think it's a big tax benefit for them and with the cheaper cost of gas for them and the huge mileage reimbursement if I used a personal vehicle(Over 50c/mile) they just do not allow this. So whi...
by adam61
Sat Feb 06, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2575

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Just to clarify for the above poster and possibly ask another question. The company charges me personally $200/mo after tax for the company car. They also pay for gas/insurance/maintenance/repair. The $200 is for up to 20% personal use, which I would never come close to. Work miles would be on the o...
by adam61
Sat Feb 06, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2575

Forced to sell a an expensive vehicle at the wrong time how to handle???

I recently got a promotion which is great, but it comes with a company car with personal use privileges. So obviously I don't need my vehicle anymore. Unfortunately, of course I spent a lot purchasing a 2012 model car brand new and planned to keep for 10-12 years. There's no sense in keeping it just...
by adam61
Tue Jan 12, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Managing HUGE Windfalls (Have read the Wiki)
Replies: 4
Views: 947

Managing HUGE Windfalls (Have read the Wiki)

As I'm sure it did at many people's office the Powerball came up at my work. Obviously, discussion turned to what you would do if you won and as the resident Boglehead I had the standard advice. Consult a Financial Advisor, CPA, Lawyer, possibly setup a trust and all that. This is a lot of what the ...
by adam61
Wed Dec 23, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Finally setup up to max 401k/ROTH Now What???
Replies: 6
Views: 448

Re: Finally setup up to max 401k/ROTH Now What???

A couple clarifications... The house is the only debt, there is nothing else at any APR to pay off I finished student loans and our last vehicle in 2015, which is what money I snowballed into the double house payments and why it has 2 years left instead of around 4. Also the interest is low and with...
by adam61
Wed Dec 23, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Finally setup up to max 401k/ROTH Now What???
Replies: 6
Views: 448

Finally setup up to max 401k/ROTH Now What???

I've been working hard being as good of a Boglehead as I can the last 8 years or so. I'm not looking for a review of my holdings I'm happy with previous advise and just re-balance to ensure consistency. We didn't quite make it in 2015 as I finished the last of paying a vehicle off and my student loa...
by adam61
Tue Nov 03, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Post Car Accident Question on Insurance Tactic
Replies: 28
Views: 2747

Re: Post Car Accident Question on Insurance Tactic

As said above if you have any concerns consult an attorney, but I really think some insurance companies have told them to error on the generous side of fair in smaller cases to avoid a silly court battle that costs more even if they pay less, and on top of that you lose a nice chunk to the attorney....
by adam61
Tue Nov 03, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: How much capacity for a new iPhone?
Replies: 32
Views: 3069

Re: How much capacity for a new iPhone?

As mentioned above the 64gb option offers on its face quadruple the available space, but it's even more. Out of the box rounded the 16gb has 11gb available, 64gb has 59gb or more than 5 times the usable space for only $100 retail or on most of the new plans about $4/mon over the life of the contract...
by adam61
Tue Nov 03, 2015 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions, help me understand what I am ensuring against
Replies: 5
Views: 691

Term life questions, help me understand what I am ensuring against

I am married 34 wife 37 no children. My original plan was to max out work options, and wait about 3-5 years so we would know for sure if children would happen we would also be debt free at this point. Utilizing rolled over debt payments we've diligently worked to pay through some small cc debt, stud...
by adam61
Sat Aug 15, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1198

Re: Orphaned 401k Rollover

Answers in Bold I have 3 choices... 1) Keep it at Fidelity (The old company's 401k Manager) Maybe. What are the options? List the fund names, ticker symbols, and expense ratios . FID CAP APPREC K (FCAKX) 11/26/1986 Stock Investments Large Cap 0.7% No additional fees apply. SPTN 500 IDX ADV IS (FXAI...
by adam61
Fri Aug 14, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1198

Re: Orphaned 401k Rollover

I already have a ROTH at vanguard so I have an open account there. With the combination of my ROTH and a rollover IRA I would also be in the general ballpark of Voyager Select as well (Still 100k short give or take), but I know that gives a few more freebies with vanguard. The Fidelity offers the fu...
by adam61
Fri Aug 14, 2015 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1198

Orphaned 401k Rollover

Seems like it would be a very common question, and I got some information in my research, but still want to ensure I do it right. I rolled over a very small 401k when I started this most recent company, but I wasn't all that concerned because it was around 2k. The company I recently left has one aro...
by adam61
Fri Jul 17, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Questions near phase out
Replies: 2
Views: 581

Roth IRA Questions near phase out

I've been working on decreasing debt and increasing investments and contributions for the last several years. I understand it's a good problem to have, but I expect 2015 and definitely 2016 to push our combined MAGI near into or above the ROTH phase out based on bonuses etc. I've been approaching it...
by adam61
Sun Apr 12, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Couple of Term Life Questions
Replies: 5
Views: 562

Re: Couple of Term Life Questions

So it's not too difficult to double the policy should we have children? Also kind of walk me through how the lack of coverage from 55-65 (I understand why coverage isn't needed in retirement) is not a big deal? If I die at say 58 and we planned to retire in just 5-7 years couldn't that create an und...
by adam61
Sat Apr 11, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Couple of Term Life Questions
Replies: 5
Views: 562

Couple of Term Life Questions

I made a post a week or so ago talking about getting serious about estate and life insurance and all the stuff you ignore talking about. My back of mind plan had always been once we had kids I'd take it seriously. That is something we are still working on, but we're coming to the tail end of a journ...
by adam61
Tue Apr 07, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Will general questions
Replies: 6
Views: 658

Re: Life Insurance and Will general questions

I was still curious if there's any risk of losing the employee sponsored coverage due to say an ongoing illness that would risk that coverage or if you are able to extend it by paying the premiums if the person has to leave their job. My work coverage is $325,000 at $18/month. It says it is not subs...
by adam61
Tue Apr 07, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Will general questions
Replies: 6
Views: 658

Life Insurance and Will general questions

I read the wiki, but still wanted some basic advice. My wife and I are late 30's no children right now. We always planned to put together a will and possibly look at term or other life options when we had children. I don't want to get into it here, but we are still looking into having at least one c...
by adam61
Thu Aug 22, 2013 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 466

Re: Working on rebalancing and asset allocation

Thanks for your reply. The biggest reason I have the Dodge & Cox fund is that in the 401k there aren't a lot of good choices, and that happens to be the largest account in dollars. So I had to do something besides the Spartan 500 fund without over weighting on domestic large cap and under weight...
by adam61
Wed Aug 21, 2013 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 466

Working on rebalancing and asset allocation

Emergency funds: Yes 6 months of expenses if both spouses lost work, 12 months+ if a single person experienced job loss. Debt: 1st Mortgage 2.9% No Tax Deduction Pay $1,000 extra principal/month 52pmts remaining Tax Filing Status: Married Filing Jointly No Dependents Tax Rate: 28% Federal, 0% State ...
by adam61
Sat Apr 06, 2013 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 791

Re: Quick 401k vs Debt question

Thanks for your response. I did not state it in the original post but I do not have enough deductions to itemize, so the effective rate is also 2.95%.
by adam61
Fri Apr 05, 2013 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 791

Quick 401k vs Debt question

I've been utilizing 2 systems over the past few years to dramatically decrease our debt and slowly increase our 401k contributions until they max. However, I've only given basic thought to how the 2 interact and when/if I should rebalance my plan to pay off debt with my plan to grow IRA contribution...
by adam61
Sun Jan 01, 2012 10:52 am
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 938

Re: New Year Checkup and Debt v. Investment help

Both my 401k and her 403b have the Dodge and Cox international Stock Fund as the only foreign option. It's currently 5% of my total portfolio. Also I was still curious if paying off my debt like I am is "ok" or too large an error to continue. I really do get value from being debt free, but...
by adam61
Sat Dec 31, 2011 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 938

Re: New Year Checkup and Debt v. Investment help

Good tip on the X-ray I was looking for something like that and couldn't find it again. It shows I'm at 80% US Stock 12% Foreign 8% Bond. So it would seem I am only light in foreign. Which fund would be my best bet to shore that up? As far as cars I probably do buy them too often, but to clarify we ...
by adam61
Sat Dec 31, 2011 10:28 am
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 938

New Year Checkup and Debt v. Investment help

Emergency funds = 1 Year+ Debt: -Student Loans $6,000@3.5% (I make triple payments on these, so 23 pmts left at current payment) -1st Mortgage $132,000@3.8% (I make double payments on this, will be paid off in 75 additional payments) -I make a total of $1,200 a month in principal only payments to th...
by adam61
Sun Mar 13, 2011 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Handling Large Savings Surplus
Replies: 2
Views: 834

Handling Large Savings Surplus

Emergency funds = Yes I do have this and have removed $15,000 from the Savings balance listed below to account for it. Debt: Student Loan: $8,000 Principal $100/month@3.5% Interest Mortgage: $148,000 Principal $1,100/month@3.75% Interest Tax Filing Status: Married Filing Jointly (No Children) Tax Ra...
by adam61
Wed Jan 13, 2010 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Trying to get retirement planning going (Late 20s Review)
Replies: 6
Views: 1241

Trying to get retirement planning going (Late 20s Review)

Ages: I am 28 Wife 31, No Children til 2011 Tax Filing Status: Married Jointly Tax Rate: 28% Federal 0% State(TX) Emergency Fund: $15,000 (About 6-9 Months easily) Credit Cards/Auto Loans: $0 Student Loans: $10,000@3.5% (I can still deduct the interest I am below the phaseout) Mortgage: $170,000@5% ...
by adam61
Thu Jan 08, 2009 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Starting a Roth IRA
Replies: 4
Views: 988

Starting a Roth IRA

Simple question I think, but if you could help me out it would be much appreciated. The next step in advancing me and my wife's retirement plan is starting up ROTH IRAs for both of us. Of course like many of you I like the Vanguard product offerings. Unlike some others though it doesn't seem like Va...
by adam61
Tue Nov 11, 2008 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

Sounds good. Are those LifePath funds from Barclay and Vanguard pretty well recieved? I thought simplicity and indexing was the key? These seems to be invested in several funds. They are still a good choice for 100% of all of our portfolio though? Also I don't have $6,000 that I can come up with out...
by adam61
Tue Nov 11, 2008 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

On the mortgage the APR from loan docs is 5.0461%
by adam61
Tue Nov 11, 2008 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

Here's the 2 best options in each asset class... Her Plan: Target Plan: Barclay's Global Investor LifePath 2040 STLEX 0.73% Expense ratio Bond: PIMCO Total Return D PTTDX 0.75% Expense Ratio Large Cap: Schwab S&P500 Index SWPIX 0.35% Expense Ratio American Funds Growth Fund of America RGAEX 0.65...
by adam61
Tue Nov 11, 2008 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

Well I definitely apologize if I'm wrong it may not be a very large tax savings at all. Either way it's 5% or less which I feel is pretty reasonable. Although like I've said I really get the urge to pay it off quicker than the 14yrs left on the amortization.
by adam61
Tue Nov 11, 2008 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

Very good point on the interest rate. It is accurate for the student loan as that is taken before I get my AGI, but the house is in the 4.0-4.5% range which is still very good. I wasn't planning to cancel my 401k contributions. The 100% automatic ROI on mine and 50% on hers is something I could neve...
by adam61
Tue Nov 11, 2008 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1770

Young Investor needs help getting a real plan together

I decided a few months back that even though I'm young I'd like to get a little more serious about investing for retirement and have a real plan instead of just being a "saver". I've just recently finished reading Bogle's Little Book of Common Sense Investing and The Bogleheads' Guide to I...

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