Search found 145 matches

by workingovertime
Fri Aug 11, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 1602

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: 1602

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: 1602

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: 342

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: 1320

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: 342

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: 342

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: 411

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: 496

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: 496

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: 496

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: 496

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: 6508

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: 6508

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: 6508

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: 6508

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: 6508

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: 6508

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: 6508

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: 226

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: 226

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: 226

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 40...
by workingovertime
Sat Jul 08, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Additional contribution to ROTH 401k?
Replies: 9
Views: 226

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: 304

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: 304

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...
by workingovertime
Mon Jun 26, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 9
Views: 1320

Re: Santader bank refusing to pay

Well I just played around their site and all and came across this link: m (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 told me that my applicati...
by workingovertime
Mon Jun 26, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 9
Views: 1320

Re: Santader bank refusing to pay

If you don't have any proof that you submitted the code, the best option might be to go to a branch and talk to the manager face to face. Unfortunately, I live in FL and they do not have a branch here. Like I mentioned, I'm extremely careful in clicking the right links, putting in the proper code, ...
by workingovertime
Mon Jun 26, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 9
Views: 1320

Santader bank refusing to pay

I don't know if I'm the only one having this issue but I signed up for Santader for a checking account bonus 4 months ago and still did not receive any money. I met all the requirement within 90 days and then 30 more days to receive and did not. Called customer service and to say it in the nicest wa...
by workingovertime
Wed Jun 21, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4861

What do you say when you cancel an account that you only opened for bonus?

I generally leave the credit cards alone but I need to close a checking account that I opened only for the purpose of its sign-up bonus. Just curious to know what you all say on the phone when you cancel the account after this? This one required $3,000 for 90 days. I put exactly $3,001 and I'm closi...
by workingovertime
Sat Apr 29, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Does a credit card authorized user get their own credit card?
Replies: 15
Views: 1530

Does a credit card authorized user get their own credit card?

I tried to search this on google and I wasn't able to find the info... If I add someone as an authorized user to my credit card, does that person get their own credit card? In another words, will we have 2 separate credit cards under the same account? I just added an authorized user and it didn't sa...
by workingovertime
Sat Apr 22, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Santander $225 bonus... delays?
Replies: 7
Views: 788

Santander $225 bonus... delays?

There was a $225 Santander signup bonus about a month ago, not sure if it's still available. When I opened it, there was a significant delay... now I'm overdue for my bonus after meeting the requirements. Has anyone here gone through the process? It says I should receive the bonus '30 days after the...
by workingovertime
Sat Apr 22, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2806

Re: Moving... and U-haul trucks are expensive!

Thanks for the inputs So far, I have found U-haul to be the most expensive and budget box truck to be my best bet,. I don't really feel comfortable hauling a mattress in a pickup truck so that is out of the question for me. I would do work vans but I can't find a good option for them... U haul has a...
by workingovertime
Sat Apr 22, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2806

Moving... and U-haul trucks are expensive!

I'm planning for a move in the next week or so and I'm finding out that U-Haul trucks are very expensive. The move is only 2 hours away and the only thing I really need the box truck for is 1 queen mattress (no box spring), a very small desk (small enough to most likely fit in a large sedan or defin...
by workingovertime
Fri Mar 10, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Pay off student loan OR more to Roth IRA
Replies: 18
Views: 850

Pay off student loan OR more to Roth IRA

We're a couple in mid-late 20s. My partner has a student loan of about $10000 in the range of 3.5 ~ 4.5% I know that isn't too bad of a student loan but our income is not very high. Should we aggressively pay off the loan? Or should we strive to max the Roth IRA? I've done some researchonline and it...
by workingovertime
Wed Mar 08, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2988

Re: Help! Need to refund money in PayPal from Nigeria

hmm. If its in your paypal account and you withdraw it and wait until the money actually hits your bank account then the worst that will happen is that the guy says he didn't get it and opens a dispute with paypal. I'm not sure what paypal can do to you though but it likely wont be in your favor. H...
by workingovertime
Wed Mar 08, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3044

Re: Obtaining Bachelors in Accounting @ 30

I'm a 30 a year old CPA in Chicago. I can't really give advice to your particular situation as I don't know your location and the university you are taking classes at.However, I'm pretty sure no-one gets into this profession due to "passion." I went into it because I had an interest in mo...
by workingovertime
Wed Mar 08, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3044

Re: Obtaining Bachelors in Accounting @ 30

Another option is to talk to each: Air Force, Coast Guard, "and" Navy Recruiting office about "what they can offer you" for your unique skillsets. There are military equiv. to civilian job positions and also careers that are unique to what you do. Your experience at the Sheriff'...
by workingovertime
Wed Mar 08, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3044

Re: Obtaining Bachelors in Accounting @ 30

I agree with many of the replies here. Like I mentioned, I have constant doubts about pursuing this Accounting degree and my main motivation is to make a decent salary to sufficiently support a family on my own... but not much about the job itself. I have a gut feeling that that won't be a good deci...
by workingovertime
Wed Mar 08, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3044

Obtaining Bachelors in Accounting @ 30

I'm currently 27 and enrolled in a university in an Accounting program. I should be able to obtain a Bachelors by 30 but i'm feeling very conflicted on whether I should continue. My main concern is mainly time and money and to be honest, a bit of fear that I won't be able to find a decent paying job...
by workingovertime
Tue Feb 21, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13114

Re: Get $250 from Wells Fargo

Just wanted to bump this post and see if anyone else has successfully received this bonus without directly receiving the offer?
If so, what date did you apply?
by workingovertime
Thu Feb 16, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Enroll employer insurance and then resigning
Replies: 7
Views: 1045

Re: Enroll employer insurance and then resigning

I don't see anything unethical here. Apparently, you have been paying for this insurance for a while, so why not use it? I hope you're still carrying medical insurance. That is more important than vision! I actually didn't enroll in the insurance last year although I was eligibld, but that is a who...
by workingovertime
Wed Feb 15, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Enroll employer insurance and then resigning
Replies: 7
Views: 1045

Enroll employer insurance and then resigning

I plan on resigning from my current employer in about 3 months. It's nothing to do with them, just moving. Anyways, Their open enrollment starts in a few days. All I want is to get the vision insurance for a few dollars a week so that I can take advantage of "$200 per year to pay for glasses fr...
by workingovertime
Sun Feb 05, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13114

Re: Get $250 from Wells Fargo

Just wanted to confirm on the statement previously mentioned on this thread: "This is an exclusive, nontransferable offer, available to those who received our direct mail or e-mail offer." I did not receive any direct mail or e-mail offer.... has anyone here applied and successfully receiv...
by workingovertime
Thu Jan 26, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1369

Re: ACA penalty affordability?

Just for clarification, I was offered health insurance for all of 2016, but I chose not to enroll; therefore, I might face penalty. I wanted to know exactly how much my employer's insurance would have cost me so I can figure out if it was "affordable" for me. I know our insurance is very c...
by workingovertime
Thu Jan 26, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1369

Re: ACA penalty affordability?

If you did not enroll in a health plan in the Marketplace, the information in Part II of your Form 1095-C is not relevant to you. m I know I just keep sounding like I'm lost... but I don't get it. I expected 1095-c to tell me how much my employer health insurance would have cost me, so that I can f...
by workingovertime
Wed Jan 25, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1369

Re: ACA penalty affordability?

I received my 1095-C and it's all very confusing to me. There are no figures listed. It doesn't show me how much employer-offered health insurance would have cost me exactly... so that I can calculate whether it exceeds 8.13% of my MAGI or not... It just gave me a code of "1A" on all month...
by workingovertime
Mon Jan 23, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is this cheating on income tax?
Replies: 21
Views: 4116

Re: Is this cheating on income tax?

I would start with the last pay stub of the year and the W-2. I have usually been able to work out exactly how the box 1 number was determined. It should be gross wages minus untaxed deductions (such as health care premiums and 401(k)) plus taxable fringe benefits (such as part of the life insuranc...
by workingovertime
Mon Jan 23, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1369

Re: ACA penalty affordability?

Your employer should be sending you a 1095-C showing your health care cost for 2016. Thank you. I checked last yrs and they left that whole section blank. I was concerned until I realized I was not a full-time employee last year and was not offered any health care from them. Problem solved. Edit - ...
by workingovertime
Mon Jan 23, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1369

ACA penalty affordability?

I'm filing my income tax now... and trying to figure out whether my health care costs WOULD have been above or below 8.13% of my MAGI? I've searched everywhere but how would I know this? I know the MAGI, of course... but I went to the "marketplace" and it does not show me the "would h...