Search found 76 matches

by darkhorse
Wed Oct 11, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Major home maintenance vs return on investment
Replies: 7
Views: 948

Re: Major home maintenance vs return on investment

If I were you, i would act on it now
If and when you sell, inspection will reveal it and you will ve to fix it
Plus it will likely get bigger problem with time
by darkhorse
Mon Jul 24, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Rust proofing patio furniture and fence
Replies: 5
Views: 631

Rust proofing patio furniture and fence

Dear Boglehead New home owner here. We recently bought patio bench which is metal. We really like its color but would like to apply clear coat of something that will prevent rust. Similarly, I was also looking for something to apply over fence and gate that will prolong life. I did visit lowe's yest...
by darkhorse
Tue Jul 04, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: New job - assigned wrong (non-HSA) health insurance
Replies: 3
Views: 415

Re: New job - assigned wrong (non-HSA) health insurance

My understanding is your hsa contribution maximum is prorated based on how many month in a year you had eligible health insurance plan.
by darkhorse
Mon Jun 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 5418

Re: Recommendation of Security Cameras for Exterior of House

I ve a related question I need guidance on how to mount sokar security light on outside. I recently got it from Costco n has screw to mount. However, solar panel probably needs to be mounted on roof Do i drill a hole on roof , that just sounds scary thing to do Than you for any suggestion, i m new h...
by darkhorse
Fri May 05, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Recommended Washer/Dryer Set
Replies: 25
Views: 2380

Re: Recommended Washer/Dryer Set

Try to stay away from samsung. Although i only have experience with one model, i ve had two issues with less than two year old dryer Was this covered under warranty? My wife insists on the Samsung because of the shallow soaking tub on the washer. You know the model that explodes? She wants that one...
by darkhorse
Fri May 05, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 1971

Re: Amex membership rewards help

Thank you all. I did call Amex and as others have pointed out this is Charge card. On my inquiring if there is any charge card w/o fees, they said no and suggested green version that has lower annual fee. At this point, I am most likely going to transfer to Delta and close the Carge card. Although t...
by darkhorse
Fri May 05, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 1971

Amex membership rewards help

Dear fellow bogleheads, My amex business gold is coming up for an annual renewal. I ve no other amex cards and don't plan to apply for one. I currently have about 80000 point but no specific travel plan. I don't ve preferred airline i fly in and usually go with the cheapest. No regular air travel bu...
by darkhorse
Fri May 05, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Recommended Washer/Dryer Set
Replies: 25
Views: 2380

Re: Recommended Washer/Dryer Set

Try to stay away from samsung. Although i only have experience with one model, i ve had two issues with less than two year old dryer Was this covered under warranty? My wife insists on the Samsung because of the shallow soaking tub on the washer. You know the model that explodes? She wants that one...
by darkhorse
Thu May 04, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Recommended Washer/Dryer Set
Replies: 25
Views: 2380

Re: Recommended Washer/Dryer Set

Try to stay away from samsung. Although i only have experience with one model, i ve had two issues with less than two year old dryer
by darkhorse
Wed Apr 12, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: First $1M Net Worth Milestone Achieved
Replies: 15
Views: 5277

Re: First $1M Net Worth Milestone Achieved

Congratulations!
Very impressive that you achieved this in fivish years kudos
by darkhorse
Sun Mar 26, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing? 35, 2nd kid on the way
Replies: 11
Views: 1423

Re: How are we doing? 35, 2nd kid on the way

Jags4186 wrote:35 with $920k net worth and adding $86k/yr to that number? I'd say you're doing pretty good.


I second that. That too not counting employer match, uf any.

I think you are doing phenomenal!
by darkhorse
Sat Mar 11, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Escrow question
Replies: 21
Views: 1564

Re: Mortgage, Escrow question

PandaBear wrote:Anyone have any advice? Should I contact a lawyer?


I would try to handle on my own until you exactly know what's going on

Fees for lawyer may eat up a big portion if what you are trying to recover.

Plus I suspect that this wiki be simple enough that to can handle by escalating to supervisor.
by darkhorse
Tue Feb 28, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advice For Buying A Home
Replies: 11
Views: 1379

Re: Advice For Buying A Home

I am a first homebuyer and looking to get into a house here shortly. Are there any books, websites or even advice you might recommend so I can educate myself even further on home buying and getting the best deal I can? Thanks! One of the best thing that you can do is get recommendation for a good a...
by darkhorse
Tue Feb 28, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: 403b or 529 Contribution?
Replies: 12
Views: 920

Re: 403b or 529 Contribution?

I am looking for some advice regarding whether to contribute to my wife's 403b account or my kid's 529 accounts. Here's my situation in a nut shell.. I am currently contributing the maximum yearly amount to my 401k, Roth IRA, and family HSA (to be used in the future, God willing). My wife is curren...
by darkhorse
Sun Feb 26, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Sellers disclosure form has sections not marked
Replies: 26
Views: 2550

Re: Sellers disclosure form has sections not marked

I am considering purchasing my first house and while reviewing the sellers disclosure form I noted that several areas were not checked off at all and left blank (yes, no, unknown, n/a boxes) including plumbing, septic, and mold. All other sections were marked. I inquired and requested the form be c...
by darkhorse
Mon Jan 30, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 3
Views: 763

Re: HSA question

bottlecap wrote:You need to be enrolled in an HDHP to contribute.

Look into a "private" plan to see how it compares after the match. Probably not worth it if your employer subsidizes your premium at all.

You have until tomorrow to change, though.

JT



+1
by darkhorse
Fri Jan 06, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 4466

Re: Is a prenup always necessary when remarrying?

It will help u sleep better at night. Please get it.
You are goimg to have rare/ occasional awkward or difficult conversation once you are married.
by darkhorse
Wed Dec 28, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Suggestions for small e-gift card for Brno, Czech Republic
Replies: 1
Views: 209

Suggestions for small e-gift card for Brno, Czech Republic

Hello fellow bogleheads, I need to send Small gift card in amount of 10-20 us dollars to someone living in Brno, Czech Republic as a thank you for small favor. I do not know that person enough to ask them what would they like. I initially tried starbucks as they have two stores there but I was told ...
by darkhorse
Mon Dec 05, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: where to get mortgage for investment rental?
Replies: 2
Views: 615

Re: where to get mortgage for investment rental?

You can ask mortgage broker and/or local bank/credit union with whom you have baking relationship
by darkhorse
Fri Dec 02, 2016 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Adjacent property is for sale. I have questions, please
Replies: 3
Views: 790

Re: Adjacent property is for sale. I have questions, please

I am fairly inexperienced but i will take a bite based on what i have read 1. No added advantage to have your agent if you know property well. On the flip side, if you don't have an agent and sellers agent it's going to get all commission she may push sellers to lean towards your reasonable offer. Y...
by darkhorse
Mon Oct 10, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting Baby #2, Please Evaluate my HealthPlan Choice
Replies: 2
Views: 437

Re: Expecting Baby #2, Please Evaluate my HealthPlan Choice

I might have missed it but did you take into account; 1) If you wife changed plans after the birth then she would have to start the deductible and out of pocket for 2017 all over with the new company. Once she paid those then all over again I am not sure what any savings would be. 2) Many plans hav...
by darkhorse
Fri Oct 07, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting Baby #2, Please Evaluate my HealthPlan Choice
Replies: 2
Views: 437

Expecting Baby #2, Please Evaluate my HealthPlan Choice

Hello fellow bogleheads, I am in open enrollment and trying to figure out best options to choose. Background situation : Family: Me, Wife, Kid#1 2 year old no chronic conditions for any Kid #2 expected last week of January Job: Me: stable, will continue Wife: Stable, will likely stop working after s...
by darkhorse
Wed Aug 03, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 7022

Re: Points/Miles Schemes - Waste of time or worth it?

I play the miles and points game. It has been extremely rewarding for me. I've actually spent more on travel as a result because I travel a lot more because miles and points collecting makes it cheaper to travel. I was under employed for 3 years with my gf/now wife. We visited 32 countries on 4 con...
by darkhorse
Mon Jun 13, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Issue, Help Please
Replies: 17
Views: 2300

Re: Medical Billing Issue, Help Please

Thank you for all the reply, have been in contact with billing agency and keeping log of it. The billing is outsourced but able to use online chat to get their input. I plan to contact insurance company next to understand what was submitted and whether it is covered or not. Thank you all, this forum...
by darkhorse
Sun Jun 12, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Issue, Help Please
Replies: 17
Views: 2300

Medical Billing Issue, Help Please

Dear All, I am in a mess that I have not been able to find my way out of it, and will highly appreciate the help. Wife had to undergo procedure at hospital based outpatient radiology. The procedure was requested by her clinic doctor with specific diagnostic code. We were billed separately by hospita...
by darkhorse
Wed Apr 20, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 7009

Re: avoiding inactivity fee

A couple questions regarding avoiding the inactivity fee: - activity needs to occur at least every 90 days, correct? - is there a minimum amount for the transaction to "count"? - does it matter if the transaction is a debit or credit? Thanks! I have a $2 bi-monthly recurring transfer to e...
by darkhorse
Sat Mar 05, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Online Saving Bank with Soft Pull Emergency saving
Replies: 2
Views: 587

Online Saving Bank with Soft Pull Emergency saving

Hello fellow bogleheads, hope things are well. I am looking for an online savings account for emergency cash. Would like to still be able to earn ~1 % interest. However, I would like to avoid hard pull to open the account (which I think happens with Ally - please correct me if I am wrong) Thank you ...
by darkhorse
Sat Mar 05, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1414

Re: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?

livesoft wrote:
darkhorse wrote:
htdrag11 wrote:You should at least edit the title of the thread. :mrgreen:


Done, :happy

... to fix the typo. :( Right now the title suggests you have $499.94 left in your non-deductible traditional IRA.


Fixed too, sorry overlooked it
by darkhorse
Sat Feb 13, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1414

Re: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?

htdrag11 wrote:You should at least edit the title of the thread. :mrgreen:


Done, :happy
by darkhorse
Fri Feb 12, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1414

Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,

Dear fellow bogleheads, I did roth conversion in kind transfer from prime money market acount from non deductible tIRA to Roth IRA for 2016 over the phone yesterday. I specified that I would like to roll over 5500 however, the posted transaction in my roth account shows 5500.06 Having searched the f...
by darkhorse
Fri Dec 11, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need LOTS of help......
Replies: 10
Views: 1439

Re: Need LOTS of help......

Here is my basic situation.... I am 45, single with no children, and have steady income with absolutely no debt. I have no investments, no ira's, nothing. I do own 3 properties outright with no mortgage and now have 75K that I need to put in some things. Can you please give me some suggestions on w...
by darkhorse
Tue Nov 24, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

I too would just go ahead and convert Her $3k 403b to Roth IRA. That account is just going to be a nuisance. The exception would be if she is likely to have future 401k/403b or IRA money that she might want to roll into that good 403b (if that good 403b will accept rollovers). Truth is, that custod...
by darkhorse
Tue Nov 24, 2015 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Her 403b small ~3k portfolio in target dated fund from old employer We are leaving it there rather than rolling over to IRA to utilize back door IRA, no administrative fees with previous employer Accounts worth less than $5K can be removed from employer plans. Are you sure it'll be fine where it is...
by darkhorse
Sun Nov 22, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Questions about the accounts: Is the 457b governmental? Is there employer matching for your 401k? 1. Yes 457b is governmental with TN 2. For 401k with employer 1: match of 4% for 5% contribution from my side, employer 2: match of 5 0 dollar per month. I get most of my salary from employer 1 and I p...
by darkhorse
Sun Nov 22, 2015 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

I skipped to the questions. I don't think the other stuff is relevant. If you are worried about your Roth being all international or all US stocks, you can stop worrying. Although it would be slightly better if the Roth were all small-value, being all international or all US stocks is a very close ...
by darkhorse
Sun Nov 22, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account Suggestions
Replies: 10
Views: 1418

Re: Joint Checking Account Suggestions

Hi Bogleheads, The girlfriend and I will be moving in as of December 1st. Our plan was to have a joint checking account for rent, utilities, groceries, and when we are out doing things together. We will keep separate finances, just share this account for joint expenses. Any recommendations on the b...
by darkhorse
Sun Nov 22, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Help needed with portfolio - overwhelmed by choices

Any thoughts on portfolio fellow bogleheads? Thank you These should help: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 m Keep it as simple as possible. Skip the REITs for now. Thank you for the wiki link, I reviewed it and found it very useful. Any comments on DFA vs VG when I try...
by darkhorse
Sat Nov 21, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: My employer doesn't match 401(k) - Thoughts?
Replies: 13
Views: 947

Re: My employer doesn't match 401(k) - Thoughts?

I think open 2: using two funds in 401k is a resonable option. I think you can go for 80/20 split unless you are trying for small cap tilt
by darkhorse
Sat Nov 21, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $ from 403(b)??
Replies: 20
Views: 1674

Re: Transferring $ from 403(b)??

Having them switch providers is a major change for the CFO and a real pain. You are unlikely to get him to agree to that. Having the existing provider add an index fund is a minor change. That is much more likely to succeed. Especially if the new plan is non-default (so only expense aware people wh...
by darkhorse
Sat Nov 21, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds IRA, Help!
Replies: 10
Views: 1071

Re: American Funds IRA, Help!

Switch to Vanguard, use regular or admiral mutual funds depending on your balance
by darkhorse
Fri Nov 20, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Re: Help needed with portfolio - overwhelmed by choices

Stan Dup wrote:These should help:
viewtopic.php?f=10&t=88005
https://www.bogleheads.org/wiki/Asset_a ... e_accounts

Keep it as simple as possible. Skip the REITs for now.


Thank you for the wiki link, I reviewed it and found it very useful.

Any comments on DFA vs VG when I try to incorporate it into ?
by darkhorse
Fri Nov 20, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 2017

Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Emergency funds: Three months of expenses ( building it up with goal of 6-12 months) Debt: ~12 k Autoloan @ 2% ~ 35k loan from relative @ 0% Currently renting no mortgage Tax Filing Status: Married Filing Jointly Tax Rate: 33% Federal, 0% State State of Residence: TN Age: 31 his 32 her Desired Asset...
by darkhorse
Fri Nov 20, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1477

Re: Interesting Dilemma with returning loan to relative: how to invest

Thank you for the input. I have given them the resources and started paying the money. I figured they will be likely to stick with the plan if it is the one that they came up with. Thank you for all the input. Please think about how this sounds to your relative: Me: "Thanks for loaning me $45k...
by darkhorse
Thu Nov 19, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1477

Re: Interesting Dilemma with returning loan to relative: how to invest

I know that they will handle the volatility just fine as they don't check in their funds in 401ks and this is going to be set it and forget it account. Would probably pick target dates find in taxable with 80/20 mix. Just make sure you inform them of the risks and show them the prospectus (primaril...
by darkhorse
Thu Oct 15, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: Am I saving 10% or 20%
Replies: 51
Views: 6324

Re: Am I saving 10% or 20%

I am curious if there is a consensus on Would you count gross income or take home pay for the calculation?
by darkhorse
Sun Oct 11, 2015 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1477

Re: Interesting Dilemma with returning loan to relative: how to invest

I appreciate the inputs. I do generally agree with the notion regarding ownership of decision should lie with then, however, in this specific scenario I know that it will sit in bank for looooong time without a strong suggestion from me. I kind of feel obligated given no interest loan. Loan was exte...
by darkhorse
Sat Oct 10, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - How Much?
Replies: 3
Views: 528

Re: Term Life Insurance - How Much?

10 times is rough estimate.
A lot depends on if your spouse will have their own income stream
by darkhorse
Sat Oct 10, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Podcast App for Android?
Replies: 15
Views: 1180

Re: Podcast App for Android?

Podcast addict

Has variable speed and ability to download episodes.

I have not tried pocket cast and not sure what it offers in addition to podcast addict