Search found 218 matches

by notmyhand
Sun Nov 19, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why doesn't my 401k statement match the value for the fund?
Replies: 2
Views: 321

Why doesn't my 401k statement match the value for the fund?

My husband has John Hancock for his 401k. He is invested in the only Total Stock Mark Index Fund available which shows it is invested solely in JHVIT - Total Stock Market Index Trust (Class 1). It says the Ticker Symbol is JETSX. When I do the math I should have about $15k in JETSX but my 401k accou...
by notmyhand
Sun Nov 19, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3669

Re: Roofer stopped showing up - what are my options?

Update - Delivered a demand letter to the contractor and he showed up for two more days. Then he stopped showing up, answering texts, calls, etc. Sent him another certified letter in the mean time and he never picked it up. Met with an attorney who said take it to small claims if you want to but I d...
by notmyhand
Sun Nov 19, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing 401k contribution with variable income
Replies: 0
Views: 88

Optimizing 401k contribution with variable income

New job – My employer matches 4% but only lets me change contribution amount twice a year. They also require you contribute each pay period to get the match. Billed salary should be right around 100k. Normally I would just do 18.5k divided by 24 as we are paid semi-monthly which would be $770.83 a p...
by notmyhand
Fri Nov 17, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 51
Views: 3843

Re: Help with Understanding How to Handle Bonus

Just so you know, it won't be withheld at 25%. It will be withheld at 39.6% tax bracket. If you end up falling in the 25% bracket, you will get the difference back at tax time but don't be surprised at the large amount of withholding you see on your paycheck. The withholding percentage depends on 1...
by notmyhand
Fri Nov 17, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 51
Views: 3843

Re: Help with Understanding How to Handle Bonus

Just so you know, it won't be withheld at 25%. It will be withheld at 39.6% tax bracket. If you end up falling in the 25% bracket, you will get the difference back at tax time but don't be surprised at the large amount of withholding you see on your paycheck. Edited to add->Mine gets taxed at 39.6%....
by notmyhand
Mon Oct 16, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3669

Roofer stopped showing up - what are my options?

edit-> Update given several posts below on 11/19/17. Perfect storm and what not to do unfortunately. What are my options now? I am in Pennsylvania in case it matters. Background - At the beginning of last month, my insurance company came and said I had to replace my roof. After a few quotes, I hired...
by notmyhand
Mon Oct 16, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Mineral Rights Valuation (Natural Gas)
Replies: 8
Views: 792

Re: Mineral Rights Valuation (Natural Gas)

We are in the process of selling our home in PA (without an agent), which sits on 10 mostly wooded acres. We did not originally intend to convey the mineral rights with the land, but have had several inquiries about whether we'd consider including them. We signed a lease with a shale drilling compa...
by notmyhand
Fri Oct 13, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]
Replies: 18
Views: 2295

Re: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]

Bringing up an old topic but I'm researching our options now - has anyone looked into doing ivf internationally? I am finding clinics that seem safe at half the cost but not sure if this is something I should look further into.
by notmyhand
Tue Oct 10, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2516

Best weight loss resources?

Now that I hit my late 20s, I am finding that office work and not eating my vegetables is quickly catching up to me. However, my knowledge of nutrition and exercise is summed up by "eat better and exercise more." When I try to look for information, I find every google search is just riddled with som...
by notmyhand
Thu Sep 28, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2503

Re: Email address compromised - HELP!!!

I had the same thing happen about a month ago. I also had a large order placed at BestBuy.com fraudulently on my credit card. Check your transactions. I changed the password on my email and stopped getting spam.
by notmyhand
Tue Sep 26, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Another "Should I sell my business" thread
Replies: 26
Views: 2618

Re: Another "Should I sell my business" thread

This decision might hinge on succession. My grandfather started the family business and my dad and aunt worked in it starting in high school. In the early 60's, my dad bought it out. Although my sister worked in it for a short time, I never had any interest and went my own way. Once my dad passed, ...
by notmyhand
Tue Sep 26, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3120

Re: BH phone review: Moto G5 Plus

Can anyone speak to the camera quality? Specifically as it pertains to taking photos of animals and children (aka photos where the subject doesn't stay still for very long).
by notmyhand
Mon Sep 25, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I have to save?
Replies: 18
Views: 3930

Re: How much do I have to save?

Using 3% inflation factor will require $170,000 per year 18 years from now to be the equivalent of $100,000 expense level in todays dollars. Using a SWR of 3% you will need about $5,670,000 (18 years down the road) to be able to generate the required $170,000 per year. Using an 8% nominal return wo...
by notmyhand
Mon Sep 25, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is Max Non-Deductible Contributions I can Make to 401k
Replies: 17
Views: 1516

Re: What is Max Non-Deductible Contributions I can Make to 401k

What solo 401k plan allows mega backdoor roth contributions? Last I looked I couldn't find one.
by notmyhand
Mon Sep 25, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: 1120S - New 1099s issued now for 2016 - How to file amendment
Replies: 4
Views: 433

Re: 1120S - New 1099s issued now for 2016 - How to file amendment

Did you not include the income? You should have included income even if there was no 1099. If you did not include the income then yes amend and be prepared for a penalty.
If you included the income like you should have then no amendment needed.
by notmyhand
Sun Sep 24, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I have to save?
Replies: 18
Views: 3930

Re: How much do I have to save?

Thanks everyone! I guess I'm still confused. If I hit 3.3MM in 18 years, which will yield 100k at 3%, that 100k won't be enough. So shouldn't I be shooting for a higher number? Currently, saving 75k so I think we can try to bump to 100k with some extra work. 18 years is not guaranteed at all but not...
by notmyhand
Sun Sep 24, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: How much do I have to save?
Replies: 18
Views: 3930

How much do I have to save?

All of the recent FI topics have made me think about my number. Originally I was shooting for $5MM but that seems unrealistic. How much do I have to save to retire in 18 years with a 3% WR? In general, it looks like I have to accumulate 3.33MM in today's dollars but I'm not sure how I figure out how...
by notmyhand
Mon Sep 18, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help with benefits decision
Replies: 2
Views: 268

Re: Help with benefits decision

Is it really less expensive for single vs a family plan? Are you talking monthly payments only? If your expecting many health visits etc, the monthly payment might be higher but it might be less in the long run. I.e. for example if the max family OOP is 8k vs 5200 max OOP single, essentially if you...
by notmyhand
Mon Sep 18, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with benefits decision
Replies: 2
Views: 268

Help with benefits decision

It's that time again - benefits. Help me decide between my two insurance options and whether I should take short term disability please? I use my health insurance a lot. In 2016, when I was on an obamacare plan, I still managed to rack up 17k in out of pocket charges due to having a terrible time na...
by notmyhand
Sun Sep 17, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: section 179 questions
Replies: 4
Views: 528

Re: section 179 questions

I am a small business owner, llc. A couple of questions, If I were to buy a 6000 plus pound suv, is the max deduction $25k for this year, and this year only? Also, can I deduct mileage on that vehicle, AND THE ONE I OWN PERSONALLY, when i use it for business purposes? Any advantages to leasing inst...
by notmyhand
Wed Sep 13, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50123

Re: Equifax customer information leak

I got a response from my senator regarding the fee to freeze (I'm in Pennsylvania). They said Equifax had emailed them and said “In response to your question, once a consumer enrolls in our identity theft protection and credit file monitoring product via www.equifaxsecurity2017.com, they will have t...
by notmyhand
Mon Sep 11, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3833

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Aside from the standard I'D protection, arrange withholding/estimated taxes so you get a minimal refund. You could file early before you get all of your documents and then file an amended return, but I don't know if it would be worth the hassle. From what I understand the fraud is not sniping your ...
by notmyhand
Sun Sep 10, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 1010

Open a HELOC? With whom?

Before I pay to freeze my credit due to the Equifax hack, I think it's time to open a HELOC. I do not plan on using it but having it handy as another emergency fund in case it is needed. I do have 6 months of expenses in a savings account and another six months in IBonds. Can having a HELOC open be ...
by notmyhand
Wed Sep 06, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Encompass Insurance?
Replies: 2
Views: 305

Encompass Insurance?

Does anyone have any reviews on Encompass Insurance? We just switched to them for home/auto/umbrella because they were less expensive and provided mine subsidence whereas our previous insurer did not. The moment we canceled our old policy they came out and said we needed a new roof. Our old insurer ...
by notmyhand
Tue Sep 05, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5486

Re: IBonds - now or wait?

Perfect. So it sounds like I should wait until October 1st to see the CPI information and then I can make a better decision. Thank you!
by notmyhand
Tue Sep 05, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Credit card and now gmail hacked - what to do?
Replies: 8
Views: 1354

Credit card and now gmail hacked - what to do?

I woke up this morning to find a large unauthorized purchase on my credit card. Called Fidelity, they said the retailer had already flagged and reversed it but they will be sending new cards. Then I log into my email and have 350 new emails starting at 1150pm last night and going until about 5am thi...
by notmyhand
Tue Sep 05, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5486

IBonds - now or wait? [November 2017 rate]

[Thread updated for November, see below. --admin LadyGeek] I looked through the search results but I didn't see anything recent - I have the cash now to buy our allocation of IBonds for the year. Do you think I should do it now or wait until the next reset which is in October, correct? Thank you!
by notmyhand
Mon Sep 04, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Increase in pay plus new W2 income, what to do about taxes?
Replies: 3
Views: 492

Increase in pay plus new W2 income, what to do about taxes?

I'm counting my chickens before they hatch but DH was just offered a promotion and I also took a W2 job (I used to be self employed). It will make our tax situation for 2018 much different than the last decade and I'm not sure what to do about the taxes or investments. Currently he makes about 100k ...
by notmyhand
Sun Aug 27, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4559

Re: Is Geico a bait and switcher?

I got a home and auto quote through them that I liked. Confirmed all details, I paid for their car insurance, then they transferred me over to their home insurance agent who now told me it was three times the price they originally quoted because the original agent didn't write down our pool had a di...
by notmyhand
Thu Aug 17, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3147

Re: popcorn ceiling, removal or drywall over it?

DH removed about 1600 square feet of it by himself over a weekend and we had cathedral ceilings. I, thankfully, was on a work trip that weekend as he says it was a miserable dirty job.
by notmyhand
Thu Aug 17, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Need to replace a roof - fair price? cost saving measures?
Replies: 2
Views: 469

Need to replace a roof - fair price? cost saving measures?

DH and I are not handy. Our insurance company did an inspection and is asking for a new roof or they will likely drop us. We have had two estimates so far (expecting the third and fourth any day now) and the price is making my stomach hurt. We have a ~3000 sq ft ranch with an A frame attached. Measu...
by notmyhand
Tue Aug 15, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1583

Re: IRS Audit 2015 1099 MISC

You can include sales tax only if you itemize and don't deduct state income tax.
by notmyhand
Sat Aug 05, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Want to finish mortgage in five years, how much to pay?
Replies: 15
Views: 1896

Re: Want to finish mortgage in five years, how much to pay?

So your contractual payment would have been $2327.42/mo (this is what Excel's PMT gives me), and you're paying an extra $1500/mo in principal? That would put your final (partial) payment in August 2024. If you want to make 5 lump sum payments and have the final one in October 2021 pay off the balan...
by notmyhand
Sat Aug 05, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Want to finish mortgage in five years, how much to pay?
Replies: 15
Views: 1896

Re: Want to finish mortgage in five years, how much to pay?

You haven't provided enough information to answer your question. And it's a somewhat tedious calculation because it needs to be done as a cash flow and not a time value of money problem due to the irregular payments. I would pick up a cheap financial calculator and learn how to input a cash flow, t...
by notmyhand
Sat Aug 05, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Want to finish mortgage in five years, how much to pay?
Replies: 15
Views: 1896

Re: Want to finish mortgage in five years, how much to pay?

I get a difference of 7 months using the given calculator and the numbers you have given. I got 69 months with $10k and 62 months with $15k lump sums. If the plan is to pay it off ASAP, the answer to the question is simply... as much as possible. :happy Trying to plan how much I have to make in my ...
by notmyhand
Sat Aug 05, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Want to finish mortgage in five years, how much to pay?
Replies: 15
Views: 1896

Re: Want to finish mortgage in five years, how much to pay?

The Mortgage Professor's calculators will work that out for you: https://www.mtgprofessor.com/CalculatorArticles/Mortgage%20Payoff%20Calculators.html I've played around with it but I must be doing something wrong as when I increased the annual lump sum from 10k to 15k, it just brought the expected ...
by notmyhand
Sat Aug 05, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Want to finish mortgage in five years, how much to pay?
Replies: 15
Views: 1896

Want to finish mortgage in five years, how much to pay?

I would love to be done with our mortgage five years from now on but at our current rate of payment we will be done in seven more years. I cannot increase my monthly payment anymore as our budget does not allow it but I can allocate additional money annually from a bonus. How much would I have to pu...
by notmyhand
Wed Jul 26, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

Some of the advice on this thread is terrible. To start with, whether the agreement is enforceable and on what terms is going to vary by state. I don't see your state in this post (maybe people are gleaning this information from other posts you have but I'm too lazy to do this) so I would disregard...
by notmyhand
Wed Jul 26, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

To calm everyone's worries - declining another job brought this thought up. The offer was at a competing company for a competing position and we felt it was in our best interest for me to decline after my husband's company made it clear that they disapproved of the conflict. His next promotion coul...
by notmyhand
Wed Jul 26, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

To calm everyone's worries - declining another job brought this thought up. The offer was at a competing company for a competing position and we felt it was in our best interest for me to decline after my husband's company made it clear that they disapproved of the conflict. His next promotion could...
by notmyhand
Tue Jul 25, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

So let's say we sign a postnup giving me 75% of the assets at the time of the divorce. Would that hold up? Any ideas on best way to determine a percentage? You really shouldn't rely upon anonymous members of an internet forum for something that *might* (hopefully not!) have a very significant effec...
by notmyhand
Tue Jul 25, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

So let's say we sign a postnup giving me 75% of the assets at the time of the divorce. Would that hold up? Any ideas on best way to determine a percentage?
by notmyhand
Tue Jul 25, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

Assuming he would, would such an agreement be upheld in divorce proceedings in the future or would a judge likely toss it?
by notmyhand
Tue Jul 25, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Re: Post Nuptial agreement guaranteeing alimony?

He could also die after your divorce and then you'll get nothing from his enhanced earnings. IMO your best bet is to have a post-nuptial agreement that entitles you to more of the marital assets to compensate for your reduced earnings throughout the marriage and after. I am not a lawyer though and ...
by notmyhand
Tue Jul 25, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7377

Post Nuptial agreement guaranteeing alimony?

With consultation fees running 250-1000, I figured I should ask whether this was feasible first, before hiring an attorney to draft this. My spouse and I work in the same industry and it is impeding my job prospects as we cannot work in competing positions/companies. I have turned down numerous prop...
by notmyhand
Sun Jul 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5100

Re: How much electricity are you using and how expensive it is?

I don't think my data is going to help you. Focus on what you can control. The audit is a great place to start. That said, my 4400 sq ft house costs about $300 a month in the summer (A/C mostly) and $40 a month in the winter (heating is gas.) May is always a really great month utility wise- no long...
by notmyhand
Sun Jul 23, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5100

Re: How much electricity are you using and how expensive it is?

I am currently paying about $400 a month for electricity in Pennsylvania. No natural gas is available at my location so heating/cooling is included. You did not mention which part of PA. If you’re covered by PECO, they offer a discounted rate for energy audits ($99), https://www.peco.com/WaysToSave...
by notmyhand
Sat Jul 22, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5100

Re: How much electricity are you using and how expensive it is?

The energy audit is a great idea. But you could start just by looking at the usage by month. How does February compare to May or October? Similarly how does July compare to May and October? I am managing an all electric ranch house in a similar climate, though with less square feet. The bill for ju...
by notmyhand
Sat Jul 22, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5100

Re: How much electricity are you using and how expensive it is?

Like me you live in the deregulated retail energy supply market of PA. Have you tried shopping for a lower cost energy generation supplier? My current generation and transmission charge is .0675 kWh (until the end of my contract term). My (regulated) distribution charge with my local electric utilt...