Search found 169 matches

by workingovertime
Tue Jan 09, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Why are 401k ROTH rare?
Replies: 11
Views: 1202

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: 1815

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: 1815

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: 1815

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: 3053

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: 7988

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: 3053

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: 3053

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: 1769

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: 1769

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: 1769

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: 1769

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: 580

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: 580

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: 2467

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: 2467

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: 2467

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: 264

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: 75
Views: 8108

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: 75
Views: 8108

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: 75
Views: 8108

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: 75
Views: 8108

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: 1807

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: 1807

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: 2033

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: 2033

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: 2033

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: 414

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: 1446

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: 414

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: 414

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...
by workingovertime
Tue Aug 01, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Need to combine auto insurance w/ spouse... different effective dates
Replies: 8
Views: 519

Need to combine auto insurance w/ spouse... different effective dates

We're recently married and we want to combine our auto insurance to hopefully save a bit.

The problem we are facing is that her insurance needs to be renewed this month, whereas mine is still good until November.

How can we combine our insurances in this scenario?
by workingovertime
Tue Aug 01, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover. Need advice
Replies: 9
Views: 608

Re: 401k Rollover. Need advice

I usually hate going through Customer Service Reps because most of them suck but I just called Fidelity.. They were quite helpful. It turns out that even though I'm not eligible to enroll and contribute to my new employer's 401k, they were still able to move my old employer 401k into the new employe...
by workingovertime
Tue Aug 01, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover. Need advice
Replies: 9
Views: 608

Re: 401k Rollover. Need advice

My ideal option would be to rollover to my new employer but they don't let me enroll until 6 months in...

My next option would be to open a new traditional IRA in Fidelity and just leave it there. I could also open a traditional IRA in Vanguard but it would be easier to keep it in Fidelity.
by workingovertime
Tue Aug 01, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover. Need advice
Replies: 9
Views: 608

Re: 401k Rollover. Need advice

Is there a reason you can't roll it to Vanguard? While I was still employed I would have loved to roll them all and get a free account and access to all of Vanguard's funds. I supposed I could. My previous employer had 401k through Fidelity and my new employer happens to have Fidelity too. I figure...
by workingovertime
Tue Aug 01, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover. Need advice
Replies: 9
Views: 608

401k Rollover. Need advice

I recently quit working at one company than started another. I had a traditional 401k with my previous employer and they sent me a notice saying that I should rollover; otherwise, I will received a check and pay tax, etc, etc, etc... I want to roll this to my new company's 401k but the problem is I'...
by workingovertime
Wed Jul 19, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

I just want to get in on this egg thread, because eggs are my favorite thing to eat. I eat 4 boiled eggs every other morning. My cholesterol has always been fine, and I also lift weights regularly. Don't throw out the yoke! I buy the big, cheap 30 packs at Kroger. They also have a larger pack of ar...
by workingovertime
Thu Jul 13, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

Factory farmed eggs, probably from battery caged hens that can't move. I'd say really bad. Quality > Quantity. I'd rather have 1 dozen eggs from pasture raised hens than 10 dozen factory farmed. I'd strongly considered only eating meat (and all products from it like eggs) from only brands that rais...
by workingovertime
Thu Jul 13, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by workingovertime
Thu Jul 13, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by workingovertime
Thu Jul 13, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by workingovertime
Thu Jul 13, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Re: Cheap eggs... how bad?

Factory farmed eggs, probably from battery caged hens that can't move. I'd say really bad. Quality > Quantity. I'd rather have 1 dozen eggs from pasture raised hens than 10 dozen factory farmed. I'd strongly considered only eating meat (and all products from it like eggs) from only brands that rais...
by workingovertime
Thu Jul 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7629

Cheap eggs... how bad?

Winn-Dixie and Walgreens recently had a dozen eggs for sale for $0.79. I went to Save-A-Lot today and they had it for $0.49. I'm just wondering how chicken farms could even produce eggs that cheap... and how bad are these eggs for you? Chickens must be grown in terrible conditions to make any kind o...
by workingovertime
Sat Jul 08, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Additional contribution to ROTH 401k?
Replies: 9
Views: 333

Re: Additional contribution to ROTH 401k?

Do you mean that she would contribute outside the 401K? If that is the case, then the answer is a no. She can contribute to the max of 18K assuming she is under 50 years, to the employer Roth 401K and then contribute an additional $5500 to and a Roth IRA (need to open an individual account with Van...
by workingovertime
Sat Jul 08, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Additional contribution to ROTH 401k?
Replies: 9
Views: 333

Re: Additional contribution to ROTH 401k?

Do you mean that she would contribute outside the 401K? If that is the case, then the answer is a no. She can contribute to the max of 18K assuming she is under 50 years, to the employer Roth 401K and then contribute an additional $5500 to and a Roth IRA (need to open an individual account with Van...
by workingovertime
Sat Jul 08, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Additional contribution to ROTH 401k?
Replies: 9
Views: 333

Re: Additional contribution to ROTH 401k?

All 401k "contributions" will come out of her paycheck. She will need to increase the amount coming out of her paycheck to hit her max amount this year. It does not matter if it is Roth or non-Roth (traditional). Her maximum limit (e.g. $18,000) is a combined maximum total between Roth 401k and non...
by workingovertime
Sat Jul 08, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Additional contribution to ROTH 401k?
Replies: 9
Views: 333

Additional contribution to ROTH 401k?

My spouse has a Roth 401k with her employer. The amount she assigned to contribute each paycheck does not add up to max out for 2017. Since this is ROTH 401k, is she able to contribute extra by herself after the automatic paycheck deduction? Or is the only way to max out Roth 401k to increase payche...
by workingovertime
Sat Jul 08, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Actively using non-online bank for future mortgage?
Replies: 5
Views: 387

Re: Actively using non-online bank for future mortgage?

No reason to not keep both. Keep the minimum for no fees in the local CU and use Ally for everything else. We use Ally for 99.9% of our banking, but keep a chase account for notary, depositing cash, etc. I wasn't sure if they cared if we only kept the very min balance and basically inactive for get...
by workingovertime
Sat Jul 08, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Actively using non-online bank for future mortgage?
Replies: 5
Views: 387

Actively using non-online bank for future mortgage?

We're newly-wed and planning buying a house in the next 5-10 years (Yes, that is far away) depending on how the market reacts (we're not in a rush). My main bank is Ally. I have other brick & mortar bank accounts but I do not actively use them (some have $0 balance, some have $0.01 balance, they do ...
by workingovertime
Mon Jun 26, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 9
Views: 1446

Re: Santader bank refusing to pay

Well I just played around their site and all and came across this link: https://applysecure.santanderbank.com/ (link somehow goes to their homepage if you click it. Works properly if you copy & paste) It's basically a link that you use to login to "incomplete applications". I gave it a try and it to...