Search found 59 matches

by inspector00
Wed Nov 02, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k, best strategy
Replies: 4
Views: 449

After Tax 401k, best strategy

I recently started a new job at a company that allows after tax 401k contributions up to 9% of my salary into a separate account from pretax and roth 401k. From my conversation with HR, they can do in-service rollovers of only the aftertax account up to twice a year to a roth IRA. I have access to v...
by inspector00
Tue Oct 25, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can Dependent Care FSA be used for expenses earlier in the same year it was opened?
Replies: 1
Views: 197

Can Dependent Care FSA be used for expenses earlier in the same year it was opened?

I have the opportunity to open a dependent care FSA with a new job, can I use this to reimburse myself for Daycare expenses I have already made for the month of October?
by inspector00
Wed Oct 05, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Interest Checking Account - Credit Union
Replies: 20
Views: 1658

Re: Interest Checking Account - Credit Union

Nice! Last question. I reckon with the first month and the time it takes to get cards etc, hitting the reqs at first would be a challenge. Have you ever gone below the 1k threshold? Do they fluidly move you to the 3.59/4.59 each month depending on your use, or is it once you fail to meet top tier t...
by inspector00
Tue Aug 02, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 11527

Re: Suckered into Marriott Kauai Timeshare Presentation

I've never been to a timeshare presentation but my strategy would be to just answer every question with the consistent phrase, "I'm just here for the cheap hotel nights."
by inspector00
Fri Jun 17, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: HSA- how much do you actually invest?
Replies: 42
Views: 3419

Re: HSA- how much do you actually invest?

I invest the max possible and leave only 1k cash. I do pay bills online out of HSA funds that can't be conveniently paid by credit card.
by inspector00
Wed Jun 01, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 26959

Re: guaranteed 5% vs stocks?

You weren't kidding. :oops: I'm feeling shamed into finally taking some action on this... Oh, great, Kevin's in the game now. They'll surely shut things down on us and I've only been in on it for a couple months... THANKS KEVIN! Hope you really feel shame when this all goes away! packet /sarcasm off...
by inspector00
Thu May 19, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 63
Views: 7403

Re: Best credit card deal

Most of the better deals these days require around $4000 in spending on the card in the first 3 months it's open. How much can you spend in that period of time will determine which card to go for.

Also Airline/Hotel cards can be great if you plan to use them.
by inspector00
Wed May 11, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 7638

Re: 30 minute commute?

I had a 30 minute commute before I moved and got a 20 minute commute, Both were almost entirely on the Freeway. I actually enjoyed the longer commute, kind of a relaxing transition from Home to Work and vice versa. I listened to sports radio every day. The rare days when traffic was backed up due to...
by inspector00
Wed May 11, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Burnt out at work, Is it time to look for another job?
Replies: 17
Views: 4682

Re: Feeling Burnt out at work, Is it time to look for another job?

Thanks everybody for the kind words, I've been feeling more positive, Think I just hit a random breaking point that I didn't see coming. It's very interesting to me some of the perspectives that people wrote. I actually am a positive person and often feel like I don't deserve what I have. As silly a...
by inspector00
Sun May 08, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Burnt out at work, Is it time to look for another job?
Replies: 17
Views: 4682

Re: Feeling Burnt out at work, Is it time to look for another job?

Big thanks to everyone for your valuable advice, let me try to address as many posts as I can. Talking/thinking this through has really helped. I did some searching on dice.com and found 7 jobs that I would at least somewhat be qualified for in my area. I don't know if I have the drive to be a good ...
by inspector00
Sun May 08, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Burnt out at work, Is it time to look for another job?
Replies: 17
Views: 4682

Feeling Burnt out at work, Is it time to look for another job?

I've been at the same company for 7 years, turning 30 this year. There's a lot that's changed over the last year in both my personal and professional life. The biggest changes being that my company closed the office in my area and everyone has been working from home and I have a young toddler at hom...
by inspector00
Mon May 02, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25111

Re: Soapbox (car safety features)

If it would've cost me $1100, I would've bought eyesight in a heartbeat on my impreza, My car insurance would've gone down $100 a year so that's not a huge cost at all. It would've actually cost me an extra $5000 though because of having to buy other things I didn't need to get a model with eyesight...
by inspector00
Mon May 02, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 6459

Re: Couples: Are you and your significant other on the same page financially?

We have different approaches to the same goal of saving aggressively and LBYM. She has no interest in things like investing, or my hobbies of credit card/bank bonus chasing. I have no interest in clipping coupons and following clothing/grocery store sales/clearance. We both have the same philosophy ...
by inspector00
Sat Apr 30, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk banking
Replies: 39
Views: 4821

Re: Let's talk banking

I use Ally Bank, but most of the online banks are pretty much the same. Free checks and reimburse ATM fees on checking from any ATM up to $10 a month, 1% interest on savings that stays relatively stable and live online support chat. I also have a local checking account that just requires one deposit...
by inspector00
Fri Apr 29, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1509

Re: Chase Sapphire Question

The authorized user doesn't have to be a real person, you can just call John Smith your authorized user and shred the card when it comes in the mail. You don't need to give a SSN number to add an authorized user? Correct, they just ask for a name. But if you go with your wife's name it can be put a...
by inspector00
Fri Apr 29, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1509

Re: Chase Sapphire Question

The bonus is a true "bonus" - on top of whatever points you earn. Don't forget about the 5k bonus for adding an authorized user. You might want to avoid this.. If you want your spouse to get the 50k by getting their own card, as the sapphire now has some pretty hard limits about getting n...
by inspector00
Sun Apr 17, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25111

Re: Soapbox (car safety features)

I bought a Subaru 1.5 years ago and the thing that stopped me from getting eyesight was that the you had to pay for leather seats, heated seats, moonroof, GPS just to get the features that I wanted like adaptive cruise control. From what i read, some systems are better than others and there is some ...
by inspector00
Mon Apr 11, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: How best to heat a Slab floor in Raised Ranch
Replies: 15
Views: 1432

Re: How best to heat a Slab floor in Raised Ranch

We replaced a wood stove with a direct vent gas stove in a basement family room. With carpeting and pad it is pretty comfortable. It's about 700 sqft. Once we crank the stove on it can get really warm fast. http://www.vermontcastings.com/Products/Radiance-Direct-Vent-Gas-Stove.aspx About how much d...
by inspector00
Mon Apr 11, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: How best to heat a Slab floor in Raised Ranch
Replies: 15
Views: 1432

Re: How best to heat a Slab floor in Raised Ranch

We replaced a wood stove with a direct vent gas stove in a basement family room. With carpeting and pad it is pretty comfortable. It's about 700 sqft. Once we crank the stove on it can get really warm fast. http://www.vermontcastings.com/Products/Radiance-Direct-Vent-Gas-Stove.aspx About how much d...
by inspector00
Mon Apr 11, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: How best to heat a Slab floor in Raised Ranch
Replies: 15
Views: 1432

How best to heat a Slab floor in Raised Ranch

The bottom floor on my raised ranch has always been cold and the top floor has been warm. This hadn't been a big issue for a while since the bottom floor wasn't used too often but I've been using it more over the last year so looking to make some changes. There's currently a pretty thin carpet pad +...
by inspector00
Sun Apr 10, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Auto Insurance that lets you make changes online?
Replies: 11
Views: 1167

Re: Auto Insurance that lets you make changes online?

I can do this through liberty mutual.
by inspector00
Sat Apr 09, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 26959

Re: guaranteed 5% vs stocks?

I think the other difference between the Brinks and Netspend is that Brinks requires an actual Direct Deposit of a paycheck, or gov't benefits. Netspend, you can just ACH the money in to the checking account, then transfer to the Savings. I have had no problem doing ach into brinks. Sorry for the c...
by inspector00
Tue Apr 05, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 26959

Re: guaranteed 5% vs stocks?

In my opinion it's worth it as a bond/efund replacement but it will depend on the size of your portfolio and how much you enjoy this kind of thing. Setting up can be a pain and here's extra fees to watch out for but it's mostly autopilot once it's setup. Of course this could end at anytime, just goe...
by inspector00
Tue Mar 29, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Reducing Verizon Cable bill?
Replies: 17
Views: 1621

Re: Reducing Verizon Cable bill?

check out http://antennaweb.org/Address to see what channels you would pick up with an antenna, this isn't perfect and a lot will depend on antenna positioning, it can get frustrating to have the picture block out frequently but you can't beat free. If you don't need your shows live, a lot of channe...
by inspector00
Mon Mar 28, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best risk free return on emergency fund
Replies: 20
Views: 3315

Re: Best risk free return on emergency fund

In addition to your netspend accounts, you can get an extra 5k in at over 5% with Mango. (it's actually 6% interest with a $3 monthly fee which comes to 5.28%). The next best thing after that are rewards checking accounts, they require you to typically have a certain number of debit card transaction...
by inspector00
Sat Mar 26, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 3191

Re: Auto Insurance-Notice of Non Renewal

The police report is not a factor, clearly the person hit filed a claim and Erie had to pay out twice In 3 years. They probably have the lowest rates because they only insure the safest drivers and no longer put you in that category. It really stinks that they did this rather than just raising their...
by inspector00
Sun Mar 20, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Mint Bills
Replies: 9
Views: 1449

Re: Mint Bills

This is exactly what I was looking for, thanks! How accurate is Mint with due dates? If I have an Amex bill due on the 24th, can I tell it to pay it on the 24th and all is good (like I'm used to now with my bank's bill pay), or do I need to pad it by a couple of days to avoid a late fee? I've never...
by inspector00
Sun Mar 20, 2016 6:13 am
Forum: Personal Consumer Issues
Topic: Mint Bills
Replies: 9
Views: 1449

Re: Mint Bills

I've used this since before they got bought out my mint, it used to be called Check. I've been pretty happy with it, less issues than regular mint with being unable to update accounts. It's also a pretty simple to use App and doesn't have a lot of extra stuff. Couple things to keep in mind: 1.you ca...
by inspector00
Sat Mar 19, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What steps to take to decrease likelihood of credit card fraud
Replies: 31
Views: 2408

Re: What steps to take to decrease likelihood of credit card fraud

I just don't worry too much about it myself, probably have a fraudulent charge every few years, I look at transactions almost daily so I'd immediately know if something wasn't right. You should have at least 2 credit cards in case this happens.
by inspector00
Sat Mar 19, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: No idea how much to save in a 529
Replies: 37
Views: 3659

Re: No idea how much to save in a 529

I didn't expect so many responses so quickly, thanks to everyone. To give a little more background I'm 29 years old and expect to have my house paid off by the kid's college, but I don't realistically believe I can say for sure I'll live in the same house for the next 17 years, my wife did for 25 so...
by inspector00
Fri Mar 18, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: No idea how much to save in a 529
Replies: 37
Views: 3659

No idea how much to save in a 529

I'm already maxing out Roth IRA/401k/HSA so with the birth of my daughter I took it as an opportunity to get some tax free growth with some of my money rather than invest in taxable or paying down my 3.8% mortgage. I live in NY which has a pretty good plan and a state tax deduction. How do others pl...
by inspector00
Thu Mar 10, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 6078

Re: Any problems with netspend

I just opened one account to take a crack at it wasn't too hard to setup. One thing to keep in mind is that interest posts quarterly and I do have a question about that.

What dates does the interest typically post?
by inspector00
Tue Mar 08, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 11516

Re: How to get a real Chip and Pin card?

It has an annual fee but Barclay's arrival plus should give you a real chip and pin.
by inspector00
Mon Feb 01, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bank bonus issued 1099-misc, how to proceed
Replies: 3
Views: 815

Re: Bank bonus issued 1099-misc, how to proceed

Thanks everybody, I typically equate those forms with self employment income and just wanted to make sure I didn't have to fill anything else out for this.
by inspector00
Sun Jan 31, 2016 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Bank bonus issued 1099-misc, how to proceed
Replies: 3
Views: 815

Bank bonus issued 1099-misc, how to proceed

I opened a bank account which had a $200 bonus promotion last year. These have always been treated as interest income on all bonuses I've ever done, but this is showing as nonemployee compensation. Can anyone estimate the difference and whether I need to contact the bank to get this reissued? Just t...
by inspector00
Sat Jan 30, 2016 4:20 am
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 11314

Re: What age does LBYM (being a big saver) pay off?

I struggle with the same problem at times wondering what I'm saving for, My wife and I obsess over getting the best deal on everything and sometimes it would be nice to just make impulse purchases instead. But then I feel like us savers take for granted some things that cause others a great deal of ...
by inspector00
Wed Jan 13, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: pay down student loan, house or invest taxable?
Replies: 26
Views: 1784

Re: pay down student loan, house or invest taxable?

Just a reminder that being in the 25% tax bracket doesn't equate to saving 25% on your mortgage interest. I'm married with low property taxes and a 3.8% mortgage. I only save about $100 a year on my taxes over the standard deduction.
by inspector00
Wed Nov 04, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: single stage or dual stage furnace for a raised ranch?
Replies: 5
Views: 705

single stage or dual stage furnace for a raised ranch?

My 25 year old furnace had it's heat exchanger go out so I'm looking at replacing it. Luckily I picked the warmest November we've ever had for this to happen. I've gotten 2 quotes within a few hundred dollars of each other, one for a Bryant 60k btu single stage which is the brand I have now and the ...
by inspector00
Thu Sep 03, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Rewards checking accounts as investments
Replies: 49
Views: 3096

Re: Rewards checking accounts as investments

I use Consumers Credit Union and Lake Michigan Credit Union for $35,000 of my Bond Allocation. I like to either buy 50 cent amazon gift cards to add to my balance or load amex serve with a debit card. It takes maybe 10 minutes a month to make $120, but I also consider it a hobby so it's not for ever...
by inspector00
Sun Aug 02, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 18
Views: 1942

Re: Swim Goggles for Near-Sighted People

I'm very severely nearsighted, about -9 magnification in both eyes and bought some goggles off of this website. http://www.aquagoggles.com You don't need a prescription, they just ask you for your magnification level for each lens in .5 increments. They don't correct for astigmatism so you may have ...
by inspector00
Tue Jun 23, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of telecommuting
Replies: 4
Views: 847

Tax implications of telecommuting

My company is closing my home office in NY State and having me telecommute. As part of this arrangement I need to select a "home office" that would be either in NYC, MA, or CT. My taxes would still be based out of NY for the bulk of my work, but I would need to charge any vacation or holid...
by inspector00
Sun Jun 07, 2015 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 64
Views: 14237

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I was recently in a similar situation as the OP where I was told I'd have to pay the full deductible of my high deductible health plan before the delivery. It wasn't a formal situation where it had to be a certain amount every month or anything but it was expected that the full amount be paid ahead ...
by inspector00
Thu Apr 23, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Offer >=$100 Back in First Few Months?
Replies: 5
Views: 787

Re: Which Credit Cards Offer >=$100 Back in First Few Months

Depending on how much you can spend in the first few months, you can do much better than $100.
http://www.doctorofcredit.com/best-cash ... p-bonuses/
by inspector00
Sun Mar 29, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a high-deductible plan?
Replies: 5
Views: 971

Re: Should I get a high-deductible plan?

I run the numbers every year and find that the high deductible plan makes sense for me no matter what my expenses were because the open access plan is so much more. If you're healthy it almost certainly makes sense for you. Here's another way to think about the $1500 deductible. Your employer puts i...
by inspector00
Sun Apr 13, 2014 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 10885

Re: Use credit cards to pay rent: Amex Serve?

The credit card doesn't charge the "provider" of the goods or services a 2-3% fee? No. For instance, to earn 20k ThankYou points redeemable for $200 gift Walmart gift card after $1500 spent in the first 3 months, I transferred $500 to my wife. She logged in to immediately transfer the who...
by inspector00
Sun Mar 23, 2014 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Large Federal Refund but owed NYS tax, how to adjust?
Replies: 4
Views: 426

Large Federal Refund but owed NYS tax, how to adjust?

I got married in 2013 so this was my first time filling Married Jointly. As a result I received a $2600 federal refund but owed $230 in NY State Taxes. I'd like to modify my witholding to get the federal number closer to $0 but how can I do this without risking the fee for underreporting my state ta...
by inspector00
Mon Jul 29, 2013 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1385

Re: Finalizing portfolio changes, please advise

I appreciate your advice as this drastically simplifies my portfolio while also keeping low expense ratios and proper diversification. I put together a spreadsheet that tracks percentages of stocks, bonds, international stocks, small cap, and large cap. How far off my target allocations should I be ...
by inspector00
Fri Jul 26, 2013 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1385

Re: Finalizing portfolio changes, please advise

I've added the expense ratios for HSA, sorry I didn't have that initially.

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