Search found 215 matches

by j0nnyg1984
Sat Mar 25, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3618

Re: How did you do your income taxes?

I sold shares of one of my Vanguard funds, so I needed to file a Schedule D. That meant using the online version of TurboTax Premier at a cost of $54.99 for my federal return, and $36.99 for my state return. Total cost: $91.98. You could have saved a few dollars if you bought the CD from Amazon. It...
by j0nnyg1984
Fri Mar 24, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1112

Re: My W-2 says I over contributed to my HSA; I didn't

Just a frustrating update. I called the number on the IRS webpage regarding missing or incorrect W-2 forms (https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-answers/irs-procedures/w-2-additional-incorrect-lost-non-receipt-omitted/w-2-additional-incorr...
by j0nnyg1984
Wed Mar 22, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3285

Re: Car Vandalism During Cross-Country Drive

The last time I moved my truck was 100% full inside, the bed was completely loaded with my snap-on tool box, and I was pulling a completely full 6x12' u-haul trailer.

I stayed at decent hotels and tried to park under lights, close to the windows of the hotel. Not always possible.
by j0nnyg1984
Mon Mar 20, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any risk to being added to parents bank accounts?
Replies: 3
Views: 412

Re: Any risk to being added to parents bank accounts?

That's fantastic, Silk, thank you!
by j0nnyg1984
Mon Mar 20, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 57
Views: 9554

Re: Amex Platinum $450/yr annual fee but 100,000 points

I can't believe that their current signup offer is a piddly 40k points. What idiot would sign up for the card knowing that they run the 100k deal? I want the card because I need the points transferred to Delta for a winter vacation, but 40k is useless, and also nowhere near enough value for a $450 AF.
by j0nnyg1984
Mon Mar 20, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any risk to being added to parents bank accounts?
Replies: 3
Views: 412

Any risk to being added to parents bank accounts?

Hi, I already "control" my parents investment accounts, but they have stated that they want to officially add me to their two bank accounts. I have no objection to this, but was wondering if there is any risk to myself or them if either of us runs into legal trouble. I have ~$400k of my ow...
by j0nnyg1984
Sun Mar 19, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2.25% High Yield Checking - FSCU
Replies: 11
Views: 1695

Re: 2.25% High Yield Checking - FSCU

I would love to have one of these accounts, but the debit card activity is a deal breaker for me.
by j0nnyg1984
Sun Mar 19, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2169

Re: State Farm

I just changed my insurances to State Farm after 18 months of American family raising my rates for No reason.

You gotta be shopping insurances every 6 months. There's no reason for loyalty.
by j0nnyg1984
Fri Mar 17, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9573

Re: $464.12 dinner bill last night. No regrets.

Crimsontide wrote:
j0nnyg1984 wrote:I had one in Vegas last week for around $1300. Gotta love being able to expense those customer dinners 8-)


OP's story warmed my heart, yours, not so much...


How ever will I sleep now?

What a pointless reply
by j0nnyg1984
Wed Mar 15, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1112

Re: My W-2 says I over contributed to my HSA; I didn't

so, I talked to the HR dept. today. They had letters prepared already for employees. The letter doesn't help one bit... Dear Employees: We have been advised that the Form W-2 documents issued to employees may contain errors. We are working with our payroll provider, ADP, to resolve these issues. We ...
by j0nnyg1984
Wed Mar 15, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9573

Re: $464.12 dinner bill last night. No regrets.

I had one in Vegas last week for around $1300. Gotta love being able to expense those customer dinners 8-)
by j0nnyg1984
Tue Mar 14, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1112

Re: My W-2 says I over contributed to my HSA; I didn't

Thank you guys for the information. I am actually flying to my corporate HQ tonight, for customer meetings, but I will take the opportunity to go meet this new HR director and ask one last time about the corrected W-2 before I file something at the IRS.

I appreciate the information!!
by j0nnyg1984
Mon Mar 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1112

My W-2 says I over contributed to my HSA; I didn't

Hi all, I received my W-2 in early February. While trying to do my taxes, I noticed that the form, box 12b, code W, has a dollar amount of $3609.84 for total HSA contributions. My year end, 2016 document from HSA Bank says yearly deposits (employee and employer) total $3349.85. My last paycheck of t...
by j0nnyg1984
Sat Mar 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2101

Re: Bank of America vs Chase

BoA with preferred rewards is GOAT.

I don't know why you'd use a major B&M bank if you didn't have special rewards or something else that necessitated it. Switch to an online bank like Capital One 360, earn 1% on your money, and have access to a huge network of free ATM's.
by j0nnyg1984
Sat Feb 18, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7163

Re: What Do You Keep In Your Bank Safe Deposit Box?

100% full of silver. I should put my trust and other documents in it but honestly at this point in my life the silver is worth more :twisted:
by j0nnyg1984
Sat Feb 18, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Receipts
Replies: 8
Views: 743

Re: HSA Receipts

The little ones just aren't worth keeping track of.
by j0nnyg1984
Tue Feb 07, 2017 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 2724

Re: Inheritance in coins

They are Gold/silver buillion coins and yes, they are valued at 40,000 per probate lawyers records. And yes, I do know of a location that buys them for spot price and no commission charge. So, my question is whether to leave some in coin form or to cash it in for investment such as index mutual fun...
by j0nnyg1984
Tue Jan 17, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1555

Re: Credit Collection help needed

So glad to see someone other than me finally recommending www.creditboards.com. Seriously, do not do anything until you post your question there. Contact of the wrong kind, making any payment, these can all have serious detrimental consequences.
by j0nnyg1984
Mon Jan 16, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Limited Fund offering in 401K
Replies: 18
Views: 1115

Re: Limited Fund offering in 401K

S&P 500 fund is all you need in the 401k. Why are you so intent on dicing it up with the small and mid caps?

Bonds in Roth. international in taxable. Anything else wherever you have space...
by j0nnyg1984
Fri Jan 13, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3372

Re: thoughts about financial advisors comments regarding roth 401k

Please read these articles, This one is about case against roth 401k https://thefinancebuff.com/case-against-roth-401k.html Next, this one is about suitability of roth 401k for those who contribute to max. https://thefinancebuff.com/roth-401k-for-people-who-contribute-max.html These are best two ar...
by j0nnyg1984
Thu Jan 12, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 10099

Re: How much do you typically spend in a restaurant?

I usually only go out to eat for things I can't, or REALLY don't want to, make at home. My favorite is pho, I'll go out maybe once a week and get pho and spring rolls. 16 bucks with my generous tip. When I'm traveling for work, which is often, I go eat whatever I want and someone else pays for it. I...
by j0nnyg1984
Thu Jan 12, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: My Situation - Tips for Financial Freedom?
Replies: 16
Views: 2177

Re: My Situation - Tips for Financial Freedom?

A person who is financially independent, retires early in their 50's may need 30-33x annual expenses. Really, you think that's it? Wow...I would have expected it to be much, much more, considering the length of time someone would live with basically no income. If that 30x number is at all realistic...
by j0nnyg1984
Thu Jan 12, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2904

Re: Vanguard VTSAX Admiral Funds

Thanks guys for all the quick info! I ended up selling for investor share and another fund because some friends says I should diversify, but nevertheless it's good info to know. Okay, now we're breaking into a completely different subject, but unless you bought international or bonds, you aren't mo...
by j0nnyg1984
Thu Jan 12, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation Help - 34 yrs old
Replies: 10
Views: 1013

Re: Asset allocation Help - 34 yrs old

I think TS means Roth IRA - (225 x 2) * 12 = 5400 which is close enough to the limit of an IRA, and since he mentioned "max out." Until you get enough money in the account for admiral shares, I would stick with a target date fund. I'm also not a fan of slice and dice with the small and mid...
by j0nnyg1984
Thu Jan 12, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 20
Views: 1722

Re: HSA Suggestions: where?

I just "cashed out" my HSA from Lake Michigan Credit Union. They had offered 2% interest on the account when I first opened it - last year, they dropped it to 1%, and I no longer consider that satisfactory. I was planning on rolling it into HSA Bank since that is who my company uses now, b...
by j0nnyg1984
Thu Jan 12, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: My Situation - Tips for Financial Freedom?
Replies: 16
Views: 2177

Re: My Situation - Tips for Financial Freedom?

A person who is financially independent, retires early in their 50's may need 30-33x annual expenses. Really, you think that's it? Wow...I would have expected it to be much, much more, considering the length of time someone would live with basically no income. If that 30x number is at all realistic...
by j0nnyg1984
Thu Jan 12, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3372

Re: thoughts about financial advisors comments regarding roth 401k

For me it's about total dollars invested. I'm already investing 18k in my t401k, 5500 in my rIRA, 3300 in my HSA. I don't feel that I need to invest an additional 6-7k in taxes to be able to make my 401k contributions Roth instead of traditional.
by j0nnyg1984
Wed Jan 11, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Silicone mat for small sheet pans !2"x 9"
Replies: 13
Views: 1026

Re: Silicone mat for small sheet pans !2"x 9"

I use Amazon Basics silicone mats. No complaints.
by j0nnyg1984
Tue Jan 10, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1187

Re: Credit Card Advice for Large Purchase

student wrote:I recommend Capitol One Venture.

https://www.capitalone.com/credit-cards/venture/

Waived first year fee and no foreign transaction fee. Sign up bonus.


Horrible card for prolonged spending. Get the bonus and move on. Same with the Barclays arrival plus. Get the 40k bonus and move on.
by j0nnyg1984
Mon Jan 09, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3666

Re: Teeth whitening

I just picked up my trays and I believe 18% peroxide solution gel from my dentist earlier today. They did the whole shebang for $99 which is really good - I had trays made maybe 6 years ago and it was in the ~$300 range. Excited to start this again for a month or so. I had fantastic results last time.
by j0nnyg1984
Sat Jan 07, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market and External Accounts
Replies: 7
Views: 800

Re: Capital One 360 Money Market and External Accounts

Yes, money is moved instantly between accounts. Any transfer out of the MM (or savings account) counts as one of the six allowable.
by j0nnyg1984
Sat Jan 07, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10880

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

From my experience as a rider, I cannot imagine that being a driver is profitable. My usual ride from home to the airport or vice verse costs $22 with Uber or $41 with a traditional taxi. There's no profit left in it for them.
by j0nnyg1984
Wed Jan 04, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Rewards Credit Cards - Worth it?
Replies: 18
Views: 2324

Re: Bank of America Rewards Credit Cards - Worth it?

Big time BoA user here. Highest status level, use my CR card for fuel and supermarkets, TR for everything else. If you're tired of the points game, I definitely think it's worth switching over. I burnt up about 260k Chase UR last year as I was transitioning to the BoA system, cashing out my last 140...
by j0nnyg1984
Wed Jan 04, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: debt collection
Replies: 7
Views: 1018

Re: debt collection

Stop posting about it here. Go to http://www.creditboards.com, make an account, read their guidelines for posting, and ask them for help. They are the experts on this stuff, not us. You do NOT want to straight up pay the debt. Do NOT do that. You want a "pay for delete," and you can find i...
by j0nnyg1984
Mon Jan 02, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 14167

Re: How old is your vehicle?

2005 with 188k miles. My strategy? Keep it as long as possible! :)
by j0nnyg1984
Mon Jan 02, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10356

Re: Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by j0nnyg1984
Sat Dec 31, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Saw the light-Dumping Advisor & American funds....
Replies: 11
Views: 1460

Re: Saw the light-Dumping Advisor & American funds....

I don't understand why you're still looking out to other advisory groups, or Vanguard w/ the advisor service? Call Vanguard, they can tell you if its best to sell and transfer or transfer and sell. Once the money is at Vanguard, put everything into a fund such as VFORX and stop looking at the accoun...
by j0nnyg1984
Sun Dec 25, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Is it possible to get a used book exchange going here?
Replies: 9
Views: 1053

Is it possible to get a used book exchange going here?

In the theme of personal consumer issue, I think that this could be a good way for us to save money and still be able to read new books. I have a decent selection, but what brought this on is me buying every Michael Crichton book last week - I hadn't read them since I was younger, and as he's my fav...
by j0nnyg1984
Thu Dec 22, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 6536

Re: How do you track your finances?

I really don't. Twice a year I log into all of my accounts, make a tally in notepad, then transfer everything over to a blank excel worksheet to do the math on required changes to maintain asset allocation.
by j0nnyg1984
Thu Dec 22, 2016 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest liquid cash other than a savings account?
Replies: 16
Views: 3538

Re: Where to invest liquid cash other than a savings account?

I have about 70k in savings / "not to be invested" money. Had 7k on a 7% CD that just matured into my savings, 32k in a 2.2% CD, the rest in a 1.0% money market.

Could probably squeeze out a few more basis points in a muni bond fund but I don't want the risk.
by j0nnyg1984
Wed Dec 07, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1684

Re: Books (real or digital)

I have a big selection of paper at home and frequently go to the library.


I have absolutely no desire for e-books, e-magazines, etc.
by j0nnyg1984
Wed Nov 23, 2016 1:52 am
Forum: Personal Consumer Issues
Topic: Company truck - Nissan Frontier vs. F-150
Replies: 19
Views: 1627

Re: Company truck - Nissan Frontier vs. F-150

Being 6'8", I would absolutely take the F-150. I currently drive a Silverado and occasionally get F-150's and Frontiers as rental vehicles - the frontier is much too small for me. If you can get the ecoboost engine, most likely the 2.7L, go for it. Plenty of power and great economy if you can s...
by j0nnyg1984
Wed Nov 23, 2016 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone here used American Family Insurance?
Replies: 11
Views: 1185

Re: Has anyone here used American Family Insurance?

I have AmFam for auto, homeowners, and umbrella. They have raised my rate by $10-30 each 6 month renewal period for my auto, two years running, and recently raised my homeowners. I started to price shop for someone new but ran out of time and had to pay it. My next renewal is for all three policies ...
by j0nnyg1984
Tue Nov 22, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Messed up while fine adjusting my t401k deferral - went into Roth
Replies: 1
Views: 170

Messed up while fine adjusting my t401k deferral - went into Roth

In mid-October, I was trying to change my traditional 401k deferral from 18.x% to 23.x% to ensure that I max out on the last paycheck of the year (no employer catch-up contribution). Somehow, I messed this up while changing the percentages online, and for the last month, I have been making a 23.6% c...
by j0nnyg1984
Mon Nov 21, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with math - double check me?
Replies: 2
Views: 360

Re: Need help with math - double check me?

As long as option 2 is a 1 year CD, yes, that is correct, but if the bonus from option 2 is immediate, it could subsequently be invested, enhancing option 2 further. Yes, true. So using my savings account rate of 1%, a simple calculator tells me that the interest earned over the year would be $0.26...
by j0nnyg1984
Mon Nov 21, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with math - double check me?
Replies: 2
Views: 360

Need help with math - double check me?

Let's say I have the following options for investing $1000 in a 1 year CD:

Option 1: 1.25% APY

If my math is right: $12.50 interest


Option 2: 2.625% immediate bonus, paid to a separate account. Then, 0.10% APY

If my math is right: $26.25 bonus + $1.00 interest = $27.25

Pretty straightforward?
by j0nnyg1984
Mon Nov 21, 2016 12:53 am
Forum: Personal Consumer Issues
Topic: cheap hotels in NYC
Replies: 35
Views: 2858

Re: cheap hotels in NYC

kayak.com and hotels.com are pretty universal
by j0nnyg1984
Mon Nov 21, 2016 12:52 am
Forum: Personal Consumer Issues
Topic: Cab driver turned down a tip??
Replies: 19
Views: 3788

Re: Cab driver turned down a tip??

What happens frequently is that as soon as I mention I want to pay by credit card, they hem and haw or claim the swiper is broken. Then they get a crappy tip. I get that a lot too... it's just costing them a tip if I have to futz with cash. I have no clue why anyone in the US would refuse a tip.......
by j0nnyg1984
Sun Nov 20, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking Recommendations
Replies: 18
Views: 1917

Re: Online Banking Recommendations

Been with cap one 360 for almost 10 years now and love them. I keep my EF / spare money in their money market account and use BoA w/ preferred rewards as my primary checking acct. Great setup, no complaints.

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