Search found 11 matches

by bsigmund90
Mon Jan 22, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry Insurance - Custom Ring Options?
Replies: 11
Views: 723

Re: Jewelry Insurance - Custom Ring Options?

Could you afford to replace the ring if it were lost? If so, then why pay to insure it? Usually insurance policies are best for losses you can't easily self-insure. For a little more than my Xbox live payment / year I can have the piece of mind knowing that I don't have to drop $6,500. To me, at le...
by bsigmund90
Mon Jan 22, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Jewelry Insurance - Custom Ring Options?
Replies: 11
Views: 723

Jewelry Insurance - Custom Ring Options?

I am in the process of doing a custom ring & custom wedding band for my girlfriend. Ring is costing me a little under 6.5k. At the end when I was going to put the deposit down they explained the financing options, etc. Then they started in on insurance, appraisal cost, long term care plan, etc. I kn...
by bsigmund90
Thu Oct 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

Figured I would post my latest back-and-forth with my FA... I know i want to get out, but I'm not sure how to roll the accounts over... ME: What investment options are available to me through NMIS? Is there a list you can provide me? RE: my Roth (AGTHX) - In a bull market my actively managed, high l...
by bsigmund90
Sat Sep 16, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

So i have paid off my car, after the WLI check have 9k in cash savings, and have set my retirement contributions so that beginning in FY 2018, i will be maxing my 401k (346.16 weekly contribution). I can't really do more in the short term without presenting a cash flow problem to "catch up" FY 2017....
by bsigmund90
Wed Aug 23, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Transferring ROTH from AF (through NMIS) to a low-ER broker
Replies: 2
Views: 359

Re: Transferring ROTH from AF (through NMIS) to a low-ER broker

I am going to move it to the 2055 fund. Right now, I am auto-debited 458.33 / month from my checking account by NMIS (Pershing), which gets placed into that AF fund. If I do the transfer of assets online, will it cancel the auto-debit for my NMIS Roth / shift it to the vanguard account? or do i need...
by bsigmund90
Wed Aug 16, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring ROTH from AF (through NMIS) to a low-ER broker
Replies: 2
Views: 359

Transferring ROTH from AF (through NMIS) to a low-ER broker

All, If you want background, see before thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=225433&newpost=3487719 I went through the song and dance with my Northwestern Mutual "FA" cancelling my WLI. I moved my 401k portfolio to an American Funds Target Date (one of the 'better' options in...
by bsigmund90
Tue Aug 15, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

I cut the WLI late last week. Once that check shows up I'm gonna pay off the car. this might be hijacking the thread - but i still have a few "basics" questions: RE: savings acct: - why wouldn't I put my bank cash sayings at a minimum into an online HYSA? 1.20% is better than 0.01% - furthermore, wh...
by bsigmund90
Mon Aug 14, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

I can't find the initial statement on the car loan but it's a 72 month and the online calculators say it's 4.655% interest. I'm 44 months in. I'm still right-side up about 8,500 on the cars value. Ditched the WLI & reallocated to the target date in the 401k. Once the deposit comes in, probably going...
by bsigmund90
Fri Aug 11, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

Agree with all of above. I missed the part where he disclosed his gross income and what he was saving in 401K plan. A 5.9% savings rate is much too low in the 401K plan. RE 401k: I am relocating the 6600 from the WLI into the 401k first thing. well, whatever pre-tax 401k addition would net me the s...
by bsigmund90
Fri Aug 11, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

Re: "Upper Middle" Class - ditch WLI or ride it?

401k Options: American Funds EuroPacific Gr R5 Growth RERFX 0.54% American Funds Growth Fund of Amer R5 Growth RGAFX 0.39% American Funds New World Fund R5 Growth RNWFX 0.80% Hartford Midcap R5 Growth HFMTX 0.86% Vanguard Explorer Adm Growth VEXRX 0.34% Vanguard Selected Value Inv Growth VASVX 0.35%...
by bsigmund90
Thu Aug 10, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8834

"Upper Middle" Class - ditch WLI or ride it?

Currently working with: 27 years old 5+ years at current job and don't plan on leaving currently 15,000 bank (cash) savings 52,000 in 401k (39k is vested, i would dispute the vestment if i left/was terminated, closer to 45k) - Allocation is as follows (American Funds aggressive portfolio): - Vanguar...