Search found 313 matches

by soccerdad12
Wed Apr 26, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1860

Re: Doctor bill question

I am on a HDHP, so the cost impact is greater to me than a co-pay.
by soccerdad12
Wed Apr 26, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1860

Doctor bill question

I had a small puncture wound in my foot and went into my primary care practice. I couldn't see my normal doc, but saw an NP. Visit lasted about 5 minutes and she just looked at it and didn't do anything. No big deal since it healed on it's own like she said it would. NP was totally fine and I was ha...
by soccerdad12
Thu Apr 06, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

I am not sure I have to "act" on anything. I make automated deposits twice a week, every week no matter what. I just plan to continue that process thru the good and bad. Is this dollar cost averaging, or do you have regular income coming in twice a week? Are you not concerned about the bu...
by soccerdad12
Thu Apr 06, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

I want to have continued earnings to plow into the market when it is low and I also want to be able to buy a house on a discount. You're assuming that you will keep your job in the face of a major economic downturn, that the housing market will move in step with the economy, and that the economic c...
by soccerdad12
Wed Apr 05, 2017 7:08 am
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

I am not sure I have to "act" on anything. I make automated deposits twice a week, every week no matter what. I just plan to continue that process thru the good and bad. My thought process is probably just a signal that I am not ready to retire mentally even though I might be financially.
by soccerdad12
Tue Apr 04, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

For me, I don't view my nest egg to just be about me. I want to maximize it for me and for others (people or organizations) that I may leave money to in the future. If it was just about me, it would be a no-brainer easy decision to retire now.
by soccerdad12
Mon Apr 03, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

I know that a downturn in the economy is not directly correlated with housing prices, but where I live there are houses going up like wildfire (prob 500+ new ones within 10 miles of me). Last time there was a dip in the economy the housing prices fell a bit here and I assuming that they will fall mo...
by soccerdad12
Mon Apr 03, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

Re: I don't want to retire until another bear market

My earnings are very high so definitely accumulation thru a bear market is my desire. Would be a shame that I am doing large accumulation thru a bull market and retire before a bear market. I am not sure why that scenario bugs me so much, but it does.
by soccerdad12
Mon Apr 03, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 5858

I don't want to retire until another bear market

This might be crazy thinking, but I have told myself that I am not going to retire until we go through another bear market. I want to have continued earnings to plow into the market when it is low and I also want to be able to buy a house on a discount. I currently invest twice a week, every week, n...
by soccerdad12
Fri Mar 31, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed for 2-3 days- potential benefits
Replies: 24
Views: 2050

Re: Unemployed for 2-3 days- potential benefits

Since income and finances are handled annually... probably not. If you are not insured for those 2 days, don't get sick or hurt! Rolling over any 401k to new employer would have to be done... when you are employed. Why would anyone want to roll their 401k to a new company one? Wouldn't you always w...
by soccerdad12
Wed Mar 22, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 218
Views: 47189

Re: My New Car Buying Tips

I have bought my last couple of new cars 100% through email. They were all new so I was comparing apples to apples. The last one was about 2 months ago for a Mazda3. I send out individual emails to each internet sales person at the dealers. There were 6 dealers that I sent it to. I told them in the ...
by soccerdad12
Thu Mar 16, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding a Roth
Replies: 24
Views: 2275

Re: Superfunding a Roth

One other thing you need to check is it see if your company will pass the testing for the after-tax portion. It is different testing than for the pre-tax portion of the 401k. That might work if you work for mega-corp, but if it is a smaller company there is a good chance the after-tax portion, altho...
by soccerdad12
Tue Nov 22, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off relative's student loan
Replies: 8
Views: 986

Re: Paying off relative's student loan

There is a 99% chance that I will hit lifetime gift limit. Does that make a difference in how I approach this effort?
by soccerdad12
Tue Nov 22, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off relative's student loan
Replies: 8
Views: 986

Re: Paying off realtive's student loan

For the gift, can the check be made out directly to the loan company or does it have to be made out to the person?

Also, could I gift $14k, my wife gift $14k, my brother gift $14k, etc.... and all of those separate gifts get sent directly to the student loan company?
by soccerdad12
Mon Nov 21, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off relative's student loan
Replies: 8
Views: 986

Paying off relative's student loan

If I decided to pay off a relative's student loan (say $100k), what would the ramifications be for the student? I would be paying the student loan company directly and no money would go to the student directly. Would that be considered income to them? Is it considered a gift? Would the student loan ...
by soccerdad12
Mon Nov 21, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8777

Re: Cannot get myself to spend my savings

This is very common in my experience. My father gets more and more frugal (cheap?) the older he gets, even as his assets continue to grow. We have to hassle him into turning the heat on in winter because he thinks it's wasteful to heat the whole house when he can just sleep under an electric blanke...
by soccerdad12
Mon Nov 21, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Super Happy - 401k!
Replies: 4
Views: 1234

Super Happy - 401k!

On Jan 1, my company will switch to a Vanguard 401k with all admiral and institutional shares! How lucky am I? Since all my other personal accounts are with Vanguard, it will make keeping my portfolio allocation very easy since all the funds I use will be available now in my 401k. It is funny how th...
by soccerdad12
Fri Nov 11, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27044

Re: USAA 2.5% Cash Back Credit Card

I called after the original post and tried to get in as well. No luck!
by soccerdad12
Thu Nov 10, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Single or 2 stage HVAC system?
Replies: 6
Views: 777

Re: Single or 2 stage HVAC system?

I think the pricing changes a lot based on the size of the system. Mine is 3 ton. I am not sure if the pricing is out of line. I got quotes from 2 separate companies and they are pretty close to each other.
by soccerdad12
Thu Nov 10, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Single or 2 stage HVAC system?
Replies: 6
Views: 777

Single or 2 stage HVAC system?

My 2d floor HVAC system is caput. I got a quote today for both a single stage and 2 stage. There is a $2000 difference in the price of units, same make just single vs 2 stage. Anyone well versed enough to know if the $2000 is worth it? I live in North Carolina and will be in this home for less than ...
by soccerdad12
Wed Nov 09, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Request Suggestions for Family Holiday Activities-South Central PA
Replies: 6
Views: 628

Re: Request Suggestions for Family Holiday Activities-South Central PA

I would go to tripadvisor.com and put in the major cities that you listed and look at activites. They always have a bunch and also rate them. Works for me everytime I go on vacation. Have a good time... sounds like fun.
by soccerdad12
Tue Nov 08, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 11319

Re: Amazon Echo

I have had an echo for the last year. We keep it in the kitchen. It is great for hands free kitchen timers. We use it primarily for grocery lists and music. Just bought a Google Home. Will hook it up tonight. Main advantage of google product over echo is it's ability to stream music over the whole h...
by soccerdad12
Mon Oct 31, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1853

Re: How Long should Updates for Windows 10 take to load??

I have had the same problem when I have upgraded several from win 7 and 8 to 10.

What seems to have solved it is to set windows to never update before you start the upgrade process.
by soccerdad12
Thu Oct 27, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Company Health Insurance Increase
Replies: 12
Views: 837

Re: Company Health Insurance Increase

Yes, but I don't trust him. He told me years ago that there are different commission amounts for different insurance carriers so they are incented to have you with certain carriers. We got our renewal #s yesterday and have to make a decision within 10 days. I can see right on the paperwork from BCBS...
by soccerdad12
Thu Oct 27, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Company Health Insurance Increase
Replies: 12
Views: 837

Re: Company Health Insurance Increase

We are a group of about 25, so definitely not near 100.
by soccerdad12
Thu Oct 27, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Company Health Insurance Increase
Replies: 12
Views: 837

Company Health Insurance Increase

I am responsible for our company health insurance renewal. It is going up 30% this year- not good. For anyone knowledgeable in this area I do have a question. On the paperwork from our insurance broker it lists 2 lines: proposed increase % and accepted increase %. That indicates to me that there is ...
by soccerdad12
Thu Oct 27, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: PEO for small Biz [Professional Employer Organization]
Replies: 11
Views: 858

Re: PEO for small Biz

It is definitely a pain to do all the payroll and bennies for a small company. I am weary of PEOs. In my city I remember a couple of years ago a PEO was misappropriating the $$ that was supposed to go to medical insurance and it left the clients w/o actual insurance. One of the employees of a compan...
by soccerdad12
Wed Oct 26, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 4164

Re: Chocolate Recommendations

I am definitely not a chocolate snob, but I do eat 1 square of Ghirardelli 86% dark everyday. I buy the ones in the individually wrapped packages so I am not tempted to increase the amount I eat. Supposedly dark chocolate is really good for you in small amounts. I like the taste, but to tell the tru...
by soccerdad12
Fri Oct 21, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 97
Views: 10641

Re: Very tough career choice part 2 (ego, startup, hedge funds)

I don't see how you would be betraying him. You are having a conversation about trying to do what is best for the company. It seems like you were the one that was betrayed and he should, at the very least, give you an explanation. If that is too much to ask of him, then you shouldn't walk out the do...
by soccerdad12
Fri Oct 21, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 97
Views: 10641

Re: Very tough career choice part 2 (ego, startup, hedge funds)

Have you sat down with the founder directly and expressed your thoughts of being left-behind? For all you know, the founder may have the same feelings that you do in regards to your boss. Open communication is always best. If the founder freaks out, you have 2 offers in hand and give your notice. Th...
by soccerdad12
Mon Oct 17, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Should I be nervous about ancestry.com?
Replies: 17
Views: 4007

Should I be nervous about ancestry.com?

Recently my aging father handed me a family tree tracing his side of the family back to the 1700s in Europe. It is awesome with pictures, news articles, etc. Is there any reason that I should be nervous about entering that information into ancestry.com? I think it would be a neat exercise and could ...
by soccerdad12
Mon Oct 17, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27044

Re: USAA 2.5% Cash Back Credit Card

I just contacted them and they wouldn't let have the card earlier. That is disappointing.
by soccerdad12
Thu Oct 06, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: US Housing/mortgage market starting to bubble again?
Replies: 30
Views: 4521

Re: US Housing/mortgage market starting to bubble again?

My evidence is definitely a very, very small sample size. That is why I was asking if someone in the residential real estate industry was seeing the same thing. I do currently own a home and in no rush at all. I can stay in my current home for the next 20 years with no issues. I just love a good sale!
by soccerdad12
Thu Oct 06, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: US Housing/mortgage market starting to bubble again?
Replies: 30
Views: 4521

US Housing/mortgage market starting to bubble again?

Background: I am in a work position where we have a lot of employment / income verifications happening for current or former employees. I noticed for 2-3 years after the US housing market crashed that mortgage companies were calling to verify employment 1 month before closing, 1 week before closing,...
by soccerdad12
Tue Oct 04, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 401
Views: 129803

Re: The Mega Backdoor Roth IRA

Based on the verbiage you posted above, it doesn't read like you are allowed after-tax contributions above the 18k, especially if it doesn't address how it can come out. Here is how mine reads so you can see the specific verbiage: After-tax voluntary contributions. As a Participant under the Plan, y...
by soccerdad12
Thu Sep 22, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 4401

Re: Tesla Autopilot 8.0

when it is on autopilot is it more efficient with gas?

is the ride smoother since there isn't a human jamming on the brakes or accelerating super fast?
by soccerdad12
Thu Sep 22, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 4401

Tesla Autopilot 8.0

I saw the new version of Tesla's autopilot software came out today. Has anyone ever actually had a ride in a Tesla when autopilot was engaged? I am interested in how safe it was and how well it stayed in lanes/changed lanes etc...

Thanks!
by soccerdad12
Fri Sep 16, 2016 6:49 am
Forum: Personal Consumer Issues
Topic: Best iPhone warranty value
Replies: 15
Views: 1659

Re: Best iPhone warranty value

To me the best warranty is a $6 glass screen overlay. It is saved multiple shattered phone screens for us.
by soccerdad12
Thu Sep 08, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Enterprise software sales process - PO, Quote, Invoice etc
Replies: 20
Views: 1387

Re: Enterprise software sales process - PO, Quote, Invoice etc

Check this out: http://www.nashuanh.gov/AgendaCenter/ViewFile/Agenda/06012016-1970 I guess government agencies put their contracts on the web. There is one in there for software services and includes contracts and such. You need to be very, very careful of how your contract reads to limit liability ...
by soccerdad12
Wed Sep 07, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Personal Fiduciary responsibility for company 401k
Replies: 2
Views: 279

Personal Fiduciary responsibility for company 401k

I have personal fiduciary responsibility for my company 401k (I am the owner). We have 30+ participants so it isn't large, but it isn't tiny either. Fiduciary responsibility makes me a tiny bit nervous so I want to minimize risk. FInancial advisor types are pressing the 321 and 328 to help minimize ...
by soccerdad12
Wed Aug 03, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 98
Views: 9432

Re: What makes people succeed?

Interesting topic, so I will give it a whirl.... I don't think you can teach or ingrain what it takes to really excel to the top. I think you are born with an inner drive that others just don't have and I think you have it at a pretty early age. I think parents can nurture raw material in kids, but ...
by soccerdad12
Mon Aug 01, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need support during rougher period
Replies: 9
Views: 1475

Re: Need support during rougher period

why not just come here and post that..... you'll get beat up pretty good and that should be a reminder not to make any changes. The price is right too! :happy
by soccerdad12
Thu Jul 28, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 30
Views: 2617

Re: asking for a higher hourly rate after interview

It isn't even just about the $$. Your reputation might be jeopardized as well. Say you tell the 3rd party that you want $10/more per hour and give him your reasons. What happens if the 3rd party tells the manager who interviewed you everything that you said. You would look like an a$$. What happens ...
by soccerdad12
Wed Jul 27, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a house while active duty
Replies: 15
Views: 861

Re: Thinking of buying a house while active duty

I know you don't really have control over where you live in the military, but IMHO, now is not a great time to buy real estate and it seems prices are on the high end. If you would have been lucky enough to be in a down market time it would be different. In military towns there is a little more stab...
by soccerdad12
Fri Jul 22, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18618

Re: How many folks choose to give inheritance to their children in unequal portions?

I would give each the same amount, however I might do that in different ways: Child 1 very responsible with money: give them the money Child 2 that is not responsible with money: use the amount to buy an annuity so they can't blow it all, but will help them for a long time Child 3 that isn't bad wit...
by soccerdad12
Thu Jul 21, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 8042

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

He might be able to get all $53k pre-tax if he is the sole employee of his corp. I can't do that because I have employees.
by soccerdad12
Thu Jul 21, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 8166

Re: HOA Swimming Pool Trespassing Issue

Not sure if this would work or not, but how about getting a simplisafe system installed with motion sensors. Put the motion sensors around the pool area. Only activate after 8PM. Don't pay for monitoring, just buy a couple of the super loud horn alarms. Worth a try....
by soccerdad12
Thu Jul 21, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 8042

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

I do have a 401k (with Vngrd, which does have Roth 401k), but because my tax bracket now is very high (and it is likely to be lower in retirement), I thought that I should not put any $$ into the Roth 401K. Am I missing anything? Do you still think I should use the Roth 401k despite my current high...
by soccerdad12
Mon Jul 18, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Small business 401k [choosing a provider]
Replies: 8
Views: 533

Re: Small business 401k [choosing a provider]

We use T-Rowe and a TPA. We can choose from 500+ funds from all different providers to put into the 401k so it is totally customizable. The TPA also has the capacity to customize the 401k with things like after-tax contributions etc...
by soccerdad12
Mon Jul 18, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 8042

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

Don't even think about joining your friend. I have been in a similar situation with a very smart friend and had to fire him after a couple of years b/c he didn't pull his weight. Are you the only employee of your company? Make sure you have a 401k, do profit-sharing and add in the after-tax clause t...

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