Search found 188 matches

by workingovertime
Thu Jul 19, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Can churning negatively affect getting a good mortgage rate?
Replies: 19
Views: 1089

Re: Can churning negatively affect getting a good mortgage rate?

Thank you all for the inputs.

What about doing the checking/savings account signup bonuses? I know a lot of these does "soft pull". Can I still take advantage of those or should I stop that as well?
by workingovertime
Thu Jul 19, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Can churning negatively affect getting a good mortgage rate?
Replies: 19
Views: 1089

Can churning negatively affect getting a good mortgage rate?

I've been churning for several years now. My credit score is low 700s. I know it could be higher but I haven't really cared at this level since I had no expected needs to take out a loan for car, house, etc. My spouse and I are planning to purchase a house in the next 5 years (at most). Should I sto...
by workingovertime
Fri Jun 29, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should the client have included Sales Tax in the PO (Purchase Order)
Replies: 7
Views: 855

Re: Should the client have included Sales Tax in the PO (Purchase Order)

Hi all, In a follow-up to my previous questions, I have a couple of questions and was hoping the members of this forum can help. We are a startup and sold our software subscription license for a year to an end client who is a financial company. We gave them a price quote with * saying Sales Tax wil...
by workingovertime
Mon May 14, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8507

Re: Can a <median household save 1 year of expenses every year?

My spouse and I make around $67,000/yr combined. Our annual expense is about $23,000. So after tax, we saved around $30,000/yr. We do this by sacrificing a bit (or should I say,A LOT!) of our privacy living with my spouses's mother and our share of rent is only $375/mo. Not having privacy sucks a lo...
by workingovertime
Thu Apr 05, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3862

Any hardworkers here who half-a** at work?

I've worked in an office environment for about a year now and find it so exhausting and disappointing. I'm a hard worker and when given responsibilities, I strive to learn the ins-and-outs of it. It's kind of like I don't want to just solve an equation with given steps, I want to understand it. I ha...
by workingovertime
Fri Mar 23, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1266

Re: "free" ticket w/ miles or pay $?

Reading all these replies makes me think maybe the best thing for me to do is just spend/save/whatever as usual and just buy the ticket outright. I have no issue being able to afford the ticket but was just trying to see if racking up miles was more financially advantageous. I'm not a frequent trave...
by workingovertime
Fri Mar 23, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1266

Re: "free" ticket w/ miles or pay $?

My spouse and I have an international trip planned way in advanced (more than a year). First off, the average price for this flight is about $1200 per person, so total of about $2400. We can afford this trip however way we look at it, that isn't the question here. Second, we'll most likely fly Delt...
by workingovertime
Fri Mar 23, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1266

Re: "free" ticket w/ miles or pay $?

Thanks all for the replies. For reference, we're flying from either Tampa or Orlando to Korea (Incheon Airport). I mentioned Delta because in the past, they've consistently had the lowest $ (and relatively less travel time) compared to others (usually fly to Detroit to their hub, then non-stop)... b...
by workingovertime
Fri Mar 23, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1266

"free" ticket w/ miles or pay $?

My spouse and I have an international trip planned way in advanced (more than a year). First off, the average price for this flight is about $1200 per person, so total of about $2400. We can afford this trip however way we look at it, that isn't the question here. Second, we'll most likely fly Delta...
by workingovertime
Sat Mar 10, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question on IRA deduction.
Replies: 5
Views: 426

Re: Tax question on IRA deduction.

earlyout wrote:
Sat Mar 10, 2018 3:56 pm
No, you can only get credit for what you contribute to your IRA.
I see. Thank you. Now I just have to re-do it :D
by workingovertime
Sat Mar 10, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question on IRA deduction.
Replies: 5
Views: 426

Re: Tax question on IRA deduction.

The worksheet does not ask you to enter your AGI. It asks you to enter your income Form 1040 Line 22 and only the adjustments to income Form 1040 Lines 23 - 31a (not Line 32) that are included in calculating the IRA deduction MAGI on the worksheet line 5 3. Enter the amount from Form 1040, line 22 ...
by workingovertime
Sat Mar 10, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question on IRA deduction.
Replies: 5
Views: 426

Tax question on IRA deduction.

Apologize in advance if this question has already been address and please link me to the right place. In the IRA deduction worksheet in the instruction... it asks me to input my AGI for the calculation. I don't understand this because IRA deduction goes into the AGI calculation in the first place......
by workingovertime
Sat Feb 03, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3099

Re: Bank signup bonus 1099

It's 02/03 and I received the forms from BMO Harris and BBVA but did NOT receive it from Wells Fargo, Amboy, TD, and PNC. All were checking/saving account signup bonuses. We should've received 2 for some because my spouse and I both did them. Still conflicted whether I should put as "unearned incom...
by workingovertime
Sat Feb 03, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3099

Re: Bank signup bonus 1099

It's 02/03 and I received the forms from BMO Harris and BBVA but did NOT receive it from Wells Fargo, Amboy, TD, and PNC. All were checking/saving account signup bonuses. We should've received 2 for some because my spouse and I both did them. Still conflicted whether I should put as "unearned income...
by workingovertime
Mon Jan 29, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Buy a new car or not?
Replies: 34
Views: 2983

Re: Buy a new car or not?

I know this wasn't the exact question asked but personally, I would never buy used cars that are 1-2 yrs old. I haven't ran any calculation so it's only an assumption.... but used cars seemed to have been much better deals years and years ago but not anymore. I feel like it would be much more worth ...
by workingovertime
Thu Jan 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: How to research specific optometrists?
Replies: 8
Views: 813

Re: How to research specific optometrists?

I have never been dissatisfied with any optometrist I have been to for a standard eyeglass/contact exam. I HAVE been dissatisfied with the overall experience with companies that employ optometrists. I had been using Costco for years for contacts, but switched when I got eye insurance to an in-netwo...
by workingovertime
Wed Jan 24, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: How to research specific optometrists?
Replies: 8
Views: 813

Re: How to research specific optometrists?

Thanks for the replies. I've thoroughly researched privately practiced optometrists in the area and all the ones that seemed to be reputable were all booked few weeks in advance. I was feeling impatient about getting my eyeglasses and decided to go to one of the "regional" box retailers. I researche...
by workingovertime
Wed Jan 24, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3099

Bank signup bonus 1099

What I do know: -Signup bonuses for checking/saving accounts for subject to tax and I could(?) be mailed a 1099. -Signup bonuses for credit cards are not taxed What I'm not sure about: -I have read that although bonuses from checking/savings accounts are subject to tax and that I should be expecting...
by workingovertime
Fri Jan 19, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: How to research specific optometrists?
Replies: 8
Views: 813

How to research specific optometrists?

I'm having trouble searching specific optometrists in my area. It's easier to research ophthalmologists since they seem to advertise more individually as a doctor (as in MD), but it seems like most optometrists are tied to franchises of eyeglass stores? I like to research as much as I can about the ...
by workingovertime
Tue Jan 09, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Why are 401k ROTH rare?
Replies: 11
Views: 1428

Why are 401k ROTH rare?

it seems to me that it is not as common for an employer to offer a 401k ROTH option... All of my companies (they are all very large companies) have only offered the traditional 401k. Are there any specific reasons for this? Do they somehow benefit more if employees use the traditional rather than ro...
by workingovertime
Sat Jan 06, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2168

Re: How to browse specifically for homes with "mother-in-law suite"?

Are you looking for just a bed/bath suite like a second master on the far side of the house? Or are you looking for a separate apartment with a kitchen or kitchenettte? Big difference. My wife and I did an extensive house search 2 years ago for the former. We just wanted a ground floor guest suite ...
by workingovertime
Fri Jan 05, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2168

Re: How to browse specifically for homes with "mother-in-law suite"?

HueyLD wrote:
Fri Jan 05, 2018 7:15 pm
How about searching for "Lennar NextGen?"
Interesting concept. Seems like a fancy "branding" way to market an "asymmetrical" duplex though.
I'm not in the market for a home now by the way. Just wanted to browse some ideas for years down the road.
by workingovertime
Fri Jan 05, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2168

How to browse specifically for homes with "mother-in-law suite"?

Is there a website that allows me to browse specifically for homes with a "mother-in-law suite" or ones similar to this concept?
I've been on several sites and none of them seem to have this search feature.
by workingovertime
Fri Jan 05, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3339

Re: So ambitious w/ money but so risk-averse

Thanks all for the reply. And also for editing the misspell! I'm of course biased. I disagree with the lack of ambition. I could write multiple paragraphs to argue but that'd be pretty unproductive to this discussion. To be brutally honest, I probably had too much of an influence during my younger y...
by workingovertime
Fri Jan 05, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9607

Re: Goodbye Capital One 360!!

So do give Ally a try as they have 24/7 service. Phone hold times of up to an hour, 2-3 days to return an email. Ally customer service went south very, very quickly. I agree with this. Ally phone wait time used to be very good but it seems lately that it is getting up to half an hour each time. You...
by workingovertime
Thu Jan 04, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3339

Re: So ambitious w/ money but so risk-adverse

Have you thought about a second job? Would your current job let you work nights at a restaurant or coffee place or pizza delivery or something? It's a good time (economically) to get a job. It sounds to me like you have a lot of excess energy but keep avoiding long term commitments. A second job in...
by workingovertime
Thu Jan 04, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3339

So ambitious w/ money but so risk-averse

I don't want to say I'm "greedy" but I'm extremely ambitious about wanting more money ALL the time. I don't necessarily dream about huge houses and fast cars (though I do at times but maybe only to the extend where it's normal to), but I'm obsessed with the idea of financial freedom and I'm not happ...
by workingovertime
Tue Jan 02, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2031

Re: Lost about $100 due to shipping issue?

I just checked Guess website and it indicated that the 'return process' is complete. My USPS tracking still says it is in the same place that I dropped it off. So turns out I was just being impatient. Also, it just reaffirmed to never trust the USPS tracking system!
by workingovertime
Mon Jan 01, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2031

Re: Lost about $100 due to shipping issue?

I ship a lot of items with USPS, and have seen packages sit idle for over a month, before getting delivered. I have no idea what causes this, as most are delivered within the first week. Their Priority Mail packages include $50 of insurance. Does the package show that it arrived at any sort facilit...
by workingovertime
Mon Jan 01, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2031

Re: Lost about $100 due to shipping issue?

I forgot to include a very important piece of information. The return label that I printed from Guess showed the destination as "UPS mail innovations return services". So I went to the UPS location (my mistake) and the clerk scanned the item and gave me a receipt as usual. It even had the tracking #...
by workingovertime
Mon Jan 01, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2031

Lost about $100 due to shipping issue?

I bought a few clothes from Guess last month from their website. I then returned it within their return period via USPS (using Guess's return printout sheet from their website). The item is worth about $100. USPS tracking shows that it has not moved since 12/18/2017. I know it's the holiday season b...
by workingovertime
Sat Nov 04, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Auto insurance issue
Replies: 2
Views: 658

Re: Auto insurance issue

Carnut wrote:
Sat Nov 04, 2017 5:26 am
If you went through an agent to set up your Progressive policy, they should be able to run interference for you and take care of this matter. If you went online, good luck.
My wife has already had the insurance via online (not agent) so unfortunately, that is my only option right now.
by workingovertime
Fri Nov 03, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Auto insurance issue
Replies: 2
Views: 658

Auto insurance issue

My car's insurance w/ Allstate expires 11/20/2017. I'm trying to switch to Progressive (getting off parent's insurance and adding to my wife's insurance. Here is my issue: When I added my car to Progressive, I had no issues. Then when I tried to add myself as a driver, their record advised that I wa...
by workingovertime
Thu Nov 02, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2660

Re: Low income but good savings rate... spend?

I agree with others that some of what you are feeling will go away with time - it does take patience. But, I think delemer brings up a very good point about additional education/training to increase your income. I was an average HS student, got a bachelors degree in psychology and couldn't find any...
by workingovertime
Wed Nov 01, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2660

Re: Low income but good savings rate... spend?

Thank you all for the advice. Good to hear that I seem to be on a good track. And yes, it is a slow progress and I'm realizing as I read the replies that I'm probably just really impatient.
by workingovertime
Wed Nov 01, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2660

Low income but good savings rate... spend?

My spouse and I have a low combined income of about $66000. We are 27 yrs old w/ no kids. 30% of our income is automatically directed into our 401k, Roth IRA, and savings before it even hits our checking acct. On top of that, we typically have "leftovers" at the end of our own "fiscal period" (every...
by workingovertime
Wed Aug 30, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Huntington checking acct signup bonus?
Replies: 0
Views: 308

Huntington checking acct signup bonus?

Has anyone tried the $200 Huntington checking account signup bonus? It charges $5 fee if you do have at least $5000 deposited monthly; however, it does state that bonus of $200 is credited within 14 days of meeting the requirement. I wanted to meet the requirement and cancel as soon as I receive the...
by workingovertime
Mon Aug 28, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 99
Views: 13927

Re: I ran out of credit card signups bonus...

Have you tried it multiple times with the Barclay AAviator card? I just read on their website and the fine prints reads "This offer is available to new cardmembers only" for this exact card.. If you close the card and open a new one you are a new card member. I don't really care about AA miles, but...
by workingovertime
Mon Aug 28, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 99
Views: 13927

Re: I ran out of credit card signups bonus...

I've been signing up for various credit card companies for those signup bonuses for a while now. Now I can't find any that I haven't signed up before already. Has anyone ran into this issue? Are there any CREDIT CARD CO that lets you do this multiple times? I still have a bunch of checking account ...
by workingovertime
Mon Aug 28, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 99
Views: 13927

Re: I ran out of credit card signups bonus...

I've been signing up for various credit card companies for those signup bonuses for a while now. Now I can't find any that I haven't signed up before already. Has anyone ran into this issue? Are there any CREDIT CARD CO that lets you do this multiple times? I still have a bunch of checking account ...
by workingovertime
Mon Aug 28, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 99
Views: 13927

I ran out of credit card signups bonus...

I've been signing up for various credit card companies for those signup bonuses for a while now. Now I can't find any that I haven't signed up before already. Has anyone ran into this issue? Are there any CREDIT CARD CO that lets you do this multiple times? I still have a bunch of checking account b...
by workingovertime
Sat Aug 26, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 2046

Re: Any FL residents with a dash-cam?

poordad wrote:
Sat Aug 26, 2017 11:29 am
Capacitor based dash cams can handle very high heat. Mine is the viofo a119s, but there are many other similar models. I'm in California where there is lots of sun and my car is an oven sometimes when parked outside. My dash cam hasn't had any issues.
What does it mean to be "capacitor based"?
by workingovertime
Sat Aug 26, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 2046

Any FL residents with a dash-cam?

I'm thinking of purchasing a car dash-cam but I live in FL and I'm concerned about the heat. I've already dismissed getting the "suction cup" types because I know in the middle of summer heat, it won't stay on when I park my car with no cover. I want to get one of those sticky types like the Sunpass...
by workingovertime
Fri Aug 11, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 2393

Re: Individual stocks for fun

I trade cryptocurrency (bitcoin and ethereum) for fun. I'm sure it'll meet all of your speculative needs. Feel like it is too late to jump on it though. Only if I could have near the beginning of it.. ONLY IF! is the key word :D The hedge fund contest seems like a good place to look though. Thanks
by workingovertime
Fri Aug 11, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 2393

Re: Individual stocks for fun

I honestly don't get the concept of "fun" money. Disclosure: I'll buy lottery tickets, because winning $300M would be life changing; I know the odds, but I can't fantasize if I don't own at least one ticket, which is cheaper than a movie ticket. Doubling $500, or even going 10x on $500 doesn't remi...
by workingovertime
Fri Aug 11, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 2393

Individual stocks for fun

I pretty much invest the "boglehead" way but I'm considering gambling a bit just for fun. It would be money that I could lose all and not feel guilty about. It would be few hundreds at most. If you were to do this, which stock would you invest in? I'm thinking of ones you speculate would be a huge w...
by workingovertime
Fri Aug 04, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Need advice allocating new 401k
Replies: 5
Views: 472

Re: Need advice allocating new 401k

Just going to "bump" once more opinions before I make the move. Thank you
by workingovertime
Thu Aug 03, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 9
Views: 1551

Re: Santader bank refusing to pay

I finally received my bonus. I sent in the application file so I guess their "research" department messed up. I put in the proper code from the beginning, very frustrating having going through this and taking this long. Overall, I didn't like anything about this bank and it almost seemed like a scam...
by workingovertime
Thu Aug 03, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice allocating new 401k
Replies: 5
Views: 472

Re: Need advice allocating new 401k

I wish every question were this easy. :happy You've got a perfect and low cost solution in this 401k. If you invest your 401k this way, you will lower your costs considerably and have something very much like your LS Growth Fund (just missing the international bond component). 38% Fidelity® 500 Ind...
by workingovertime
Thu Aug 03, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Need advice allocating new 401k
Replies: 5
Views: 472

Need advice allocating new 401k

I recently switched employer and need to set up a new 401k allocation. It's via Fidelity and they automatically enrolled me for Freedom K 20xx fund with 0.65% expense ratio. I think that is a bit too high. For reference, my other investment (the only other right now) for Roth IRA is invested into (V...