Search found 624 matches

by N10sive
Fri Oct 18, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 86
Views: 9544

Re: I bought a STOLEN vehicle!!!

You used carfax? Doesn't carfax have a warranty for purchasing vehicles? Or is it just if its a lemon or been in an accident? That would be something I would look into. Even if Carfax had a warranty, the OP searched a specific vin # and then bought a different vehicle. The car purchased was not the...
by N10sive
Fri Oct 18, 2019 1:30 pm
Forum: Personal Investments
Topic: Rollover 401k into Current Vanguard plan
Replies: 8
Views: 335

Re: Rollover 401k into Current Vanguard plan

The main disadvantage of rolling to an ira is losing the ability to do backdoor Roth’s should your income increase in the future. You also lose some creditor protection. If the fees are low, there is nothing wrong with leaving it in the old 401k. A couple weeks out of the market over a 60 year time...
by N10sive
Fri Oct 18, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 86
Views: 9544

Re: I bought a STOLEN vehicle!!!

You used carfax? Doesn't carfax have a warranty for purchasing vehicles? Or is it just if its a lemon or been in an accident?

That would be something I would look into.
by N10sive
Fri Oct 18, 2019 11:48 am
Forum: Personal Investments
Topic: Rollover 401k into Current Vanguard plan
Replies: 8
Views: 335

Rollover 401k into Current Vanguard plan

I just called to get my old 401k plan rolled over into my new 401k plan at vanguard. They told me I had to get a check and then send it to them after all paperwork is filled out. Is Vanguard old school like this? The last time I rolled over a plan it was done all over the phone, simple and easy. Doi...
by N10sive
Thu Jun 06, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance Seperate from Company
Replies: 6
Views: 472

Re: Disability insurance Seperate from Company

Supplemental individual disability insurance (IDI), purchased as an individual in addition to corporate-provided long-term disability (LTD) does NOT count against any of the work-provided benefits. Instead, benefits are "stacked". LTD offsets for things like Workers' Comp or Social Security DI paym...
by N10sive
Thu Jun 06, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance Seperate from Company
Replies: 6
Views: 472

Re: Disability insurance Seperate from Company

The rule of thumb is that you need roughly 75% to 80% of your pre-disability gross income replaced. This, of course, can vary from individual to individual -- what is your age, your stage of life, do you have kids you want to send to college, have you completely funded your retirement? The amount o...
by N10sive
Tue Jun 04, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4800

Re: Paying half of my paycheck on health insurance?

I would look directly at an insurer like kaiser, blue shield etc. You could probably get a plan for less than $400 per month. The deductible maybe higher though. You should be fine being younger unless you have medical issues.
by N10sive
Tue Jun 04, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance Seperate from Company
Replies: 6
Views: 472

Disability insurance Seperate from Company

Hello, as I disband from my NWM agent I am looking at disability insurance to purchase through guardian etc. I currently have a work plan that covers 60% of my salary. As I understand and have read, this amount is reduced based on other income sources. It is also taxable compared to a personal plan....
by N10sive
Tue Apr 23, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12646

Re: Who is buying 1-3 year old used Toyotas and Hondas?

CarMax also isn’t a good metric. They tend to have higher prices than other dealerships.

At least with a 1-3 year old car as long as it’s not a lemon it will pry come with a CPO warranty which adds some value. Albeit with Toyota and Honda I wouldn’t worry too much about that.
by N10sive
Sat Apr 06, 2019 12:00 pm
Forum: Personal Investments
Topic: 32 Y/O 3 Year Update + Huge Thanks!
Replies: 2
Views: 580

Re: 32 Y/O 3 Year Update + Huge Thanks!

Why not reduce your emergency fund to 6 months? Or at you still getting the SL interested deduction(only if married filing jointly).That puts your student loan at 14k and then you can pay that off with your RSU once you sell. Since your earning less than 2% in you EF. 6 months should be good unless ...
by N10sive
Sun Mar 31, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Advice
Replies: 30
Views: 4119

Re: Laid off/Health care?

Depending on your age and if you have dependents I.e if your single and relatively young purchasing health insurance directly from the company maybe cheaper depending on the plan.
by N10sive
Thu Mar 21, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5848

Re: Do you still wear a necktie to work?

[quote=A440 post_id=4448923 time=<a href="tel:1553210920">1553210920</a> user_id=47171] For many years (20 or more) I wore a necktie to work everyday. Now, it seems as though the fashion trend is to not wear a necktie, even with a suit or sport coat. I don't follow most fashion trends (much to the ...
by N10sive
Tue Jan 29, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Using your HSA "correctly"
Replies: 13
Views: 1036

Re: Using your HSA "correctly"

Question for everyone: assuming you have significant medical expenses now, does it really matter whether you use those pre-tax dollars today or save them for the future? I understand the allure of letting those HSA funds grow tax-free, but if I take those reimbursement checks from my HSA and invest...
by N10sive
Tue Jan 29, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Using your HSA "correctly"
Replies: 13
Views: 1036

Re: Using your HSA "correctly"

If you plan to use it as a retirement account or to pay for medical expenses in retirement and have the cash flow it is wiser to pay out of pocket.

I believe also you can claim refunds later on if you keep receipts etc. Therefore your HSA has time to grow.
by N10sive
Mon Jan 28, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: $500k, 5-bed house -- Can he really afford it and what to do?
Replies: 30
Views: 2807

Re: $500k, 5-bed house -- Can he really afford it and what to do?

He should just rent out the rooms and not do airbnb. I recently stayed with a group in a large house where the owner actually lived there and had to go down the stairs to get to the front door which was the living quarters that we rented. It was weird to say the least.
by N10sive
Tue Jan 08, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Withdrawal to pay debt or keep hacking away
Replies: 13
Views: 840

Re: 401k Withdrawal to pay debt or keep hacking away

I guess I will stop retirement contributions. N10sive, You should contribute enough to get the employer match. KlangFool Unfortunately I have no employer match at my current company. I actually have never had an employer match. Perhaps the family member that you assisted is now in a position to hel...
by N10sive
Tue Jan 08, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Withdrawal to pay debt or keep hacking away
Replies: 13
Views: 840

Re: 401k Withdrawal to pay debt or keep hacking away

You really need to examine how you are spending your money. Until you fix that, you will always have a problem. I have reduced my spending and expenses a lot to less than 2.5k a month with 1.8k going to rent/utilities, but I haven't always had a six figure salary only most recently. Splitting my re...
by N10sive
Tue Jan 08, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Withdrawal to pay debt or keep hacking away
Replies: 13
Views: 840

401k Withdrawal to pay debt or keep hacking away

I have read many threads about using a 401k withdrawal with most saying not to do it. Over the last 1.5 years I have paid around 20k of debt off while also saving ~10k in retirement accounts. Currently all CC debt is at 0% until late 2019 and into 2020, my credit score is around 750. I can keep doin...
by N10sive
Fri Jan 04, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11983

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

As others have said don't list the overall GPA. If has a decent GPA in the field of study then you could possibly put that. Other ways is networking. I found my first job through a classmate which was first a lower position but has grown into a regular role and most recently I was hired at a megacor...
by N10sive
Wed Dec 19, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off auto loan?
Replies: 10
Views: 1024

Re: Pay off auto loan?

Are you contributing to a roth IRA? If you are how much is in that? If enough you could treat that as your emergency fund for the time being and using what you have saved or a portion of it to pay off the car loan. You can think of it as tiered emergency savings however if you did some of the monies...
by N10sive
Thu Dec 13, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 990

Re: Old Windows 8 PC and Windows Defender

Mainstream support for windows 8.1 ends January 9, 2019 as an FYI, extended support ends January 10th 2023
by N10sive
Mon Dec 10, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6453

Re: portable jump starters

The noco brand has been a popular item for one of my car forums I frequent. Amazon did have it for $69 but has since gone up to $79 from $125. I've used a different brand with success. You just need to make sure the battery your buying has the capability to jump start your car. Plus keeping it fully...
by N10sive
Fri Dec 07, 2018 2:47 pm
Forum: Personal Investments
Topic: 30 years old, 250k portfolio allocation?
Replies: 17
Views: 2513

Re: 30 years old, 250k portfolio allocation?

Regarding allocation stock/bonds I like to look at this page from vanguard.

https://personal.vanguard.com/us/insigh ... ns?lang=en
by N10sive
Fri Dec 07, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Auto refinance
Replies: 12
Views: 601

Re: Auto refinance

Even if you get 2.2%, that's like $5 a month savings. Is that worth the hassle​? OP could also extend the refinance to a longer date. That will lower payment if OP wanted to put more into investments etc. Though $7400 doesn't seem worth the hassle. Unless its a cash flow issue. OP your best bet is ...
by N10sive
Thu Dec 06, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3456

Re: What to negotiate in offers

2. Company offers 3 medical plans which consist of 2 HMO and 1 PPO. The PPO plan they offer is equivalent to current company plan however is $11K more annually. HMO plans would require a change of all our doctors as they are not covered. To me this is important as we just had our first kid and real...
by N10sive
Tue Dec 04, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3456

Re: What to negotiate in offers

The only real leverage I think you have is the pension. Depending on that you could negotiate a sign on bonus or perhaps the 10k bump in salary. That would be the only thing Id tried to negotiate. OTOH maybe this company pays higher salary in lieu of worse benefits? While it sounds like a no brainer...
by N10sive
Mon Dec 03, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5669

Re: Do you get a year end bonus?

My first engineering job out of college, I received a $500 dollar bonus after tax. This was mainly because we moved 1,000 miles away, was paid under market, was a startup, etc. I've never seen a bonus since. Although my next job will most likely have a bonus structure. There were always other perks ...
by N10sive
Fri Nov 30, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: To jump or stay in current company
Replies: 14
Views: 1012

Re: To jump or stay in current company

I would stay until you know who is laid off. In that time I would try to be picked more or less as part of the 10% while updating your resume, networking, and looking for other jobs.

If you are not picked I would still look for another job. Who knows if there will be more layoffs.
by N10sive
Fri Nov 30, 2018 12:26 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1091

Re: Portfolio Review

Thanks for the input. From what I'm hearing: 1. I need to stop investment into my taxable account 2. Sell my target funds in taxable and move to individual index funds 3. Invest into work 403b, even though expense ratio isn't great 4. Stop contribution to personal Roth, and start IRA since my tax b...
by N10sive
Tue Nov 20, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 37
Views: 7917

Re: $6.55 Northrup Grumman 401k class action settlement

It is funny how most of the replies state they don't fill out the class action because of the payout. In this class action it was brought up because of high administrative fees that possibly went back to NG. In this same instance why then is the common theme that the lawyers get a large portion of t...
by N10sive
Mon Nov 19, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3990

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

New college grads at Amazon make around $150k in the engineering group, for example. And those are new grads, not experienced engineers. Really! That is news to me. The average software engineer according to glassdoor is 100k. That seems typical for most in Seattle and for other tech companies. Unl...
by N10sive
Mon Nov 19, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need a financial check up
Replies: 10
Views: 1299

Re: Need a financial check up

This page has always been helpful in prioritizing investments.

https://www.bogleheads.org/wiki/Priorit ... nvestments

If your opposed to debt I would pay the car off however at 0% that is hard. Then I would max the HSA. Then choose maxing the 401k or Her roth.
by N10sive
Thu Nov 15, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 13510

Re: How Long / Hard To Become a Millionaire on Under $100k Income

If you live in a city on the west or east coast, it will be a long road. Live in Wichita? then you are sitting pretty. So few people make it because most people don't make much more than what their expenses cover even if they don't spend extravagantly. Its always easy to blame others' lack of savin...
by N10sive
Tue Nov 13, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs Equity at a startup
Replies: 15
Views: 1610

Re: Salary vs Equity at a startup

I didn't see this mentioned, but another thing to think about is what kind of options.

Are the NQSO or ISO? That would also weigh heavily into my decision and then of course how well I think the companies tech is/the chance it will be bought(hard to know right off though).
by N10sive
Fri Nov 09, 2018 3:46 pm
Forum: Personal Investments
Topic: Which Loan to Pay off?
Replies: 6
Views: 469

Re: Which Loan to Pay off?

I think the easy answer is the student loan. You are getting a tax break with the mortgage interest deduction plus you technically have an asset in your house. If for any reason you can sell the house and lose the loan. The SL not so much. Plus the SL is a lower amount and once that is paid off you ...
by N10sive
Wed Oct 31, 2018 8:36 pm
Forum: Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 6169

Re: Where should I be financially at 39?

No one can tell you that because it varies way to much. Some people are better off, some people not so much, some people get a lot of help from parents, some do not etc. There is a basic number I believe is to have 1x salary by the time your 30 and 2x by the time your 35, 3x by 40 etc.... You can no...
by N10sive
Fri Oct 26, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1967

Re: How to debug slow wifi?

Have you updated the FW of the router? And all other modems etc?

Regarding the 5GHz of your router, is there a box to show the 5GHz SSID or hide it?
by N10sive
Thu Oct 25, 2018 4:25 pm
Forum: Personal Investments
Topic: Withdrawing Roth IRA contributions
Replies: 6
Views: 579

Re: Withdrawing Roth IRA contributions

Following this as I am interested in learning the answer to this. Can you just withdraw your contributions? Does it matter where it comes from? I.e. one stock does better than the other and you sell and withdraw that, technically you would have gains.
by N10sive
Fri Oct 19, 2018 11:25 am
Forum: Personal Investments
Topic: 401K Rollover to New Employer
Replies: 7
Views: 615

Re: 401K Rollover to New Employer

Alan S. wrote:
Thu Oct 18, 2018 9:08 pm
Not correct. Only an IRA is eligible for the 10k exception. See the following penalty exceptions chart:
https://www.irs.gov/retirement-plans/pl ... tributions
Thanks, I must have read that wrong initially. I updated my post.
by N10sive
Thu Oct 18, 2018 2:03 pm
Forum: Personal Investments
Topic: 401K Rollover to New Employer
Replies: 7
Views: 615

Re: 401K Rollover to New Employer

An IRA plan allows first time home buyer 10k withdrawal without penalty but subject to income tax.

401k allows loans
by N10sive
Wed Oct 17, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4386

Re: Approach to rescinding a job acceptance

I declined an offer because of scheduling and called back asking if I would like the job if a different schedule opened up. I said yes. Hiring manager opened up a new position and asked me if I still wanted the job. Unfortunately I had to tell him no because of a better offer at the current job I ha...
by N10sive
Mon Oct 15, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Large Cap Growth vs Blend
Replies: 3
Views: 303

Re: Large Cap Growth vs Blend

No. Best option is likely the cheapest large cap blend fund in your plan. Actually, a total stock market fund would be better yet if there is one. In my opinion a large cap blend index fund is likely the better choice, because of lower expense ratio and broader diversification. Thanks. Unfortunatel...
by N10sive
Mon Oct 15, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Large Cap Growth vs Blend
Replies: 3
Views: 303

Large Cap Growth vs Blend

Hi, I've read a few threads on large cap growth vs blend but still have a question. Choosing between a large cap growth vs blend, what should the main factors be? Should one choose to hold more of the other based on ER? I have the current option of the TRP LG Cap core growth https://www4.troweprice....
by N10sive
Thu Sep 20, 2018 7:26 pm
Forum: Personal Investments
Topic: HSA investment plan
Replies: 11
Views: 1254

Re: HSA investment plan

If you are not going to put into an HSA in the foreseeable future, I would use the remainder of the HSA for medical expenses. Otherwise the fees involved really don't make it worth it.
by N10sive
Thu Sep 20, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: 401K loan
Replies: 7
Views: 576

Re: 401K loan

Monthly, about 75-80% of what the HELOC 5 year repayment would be. I just realized I'm losing potential 401K growth and offsetting by not paying the CU interest. The CU and 401K interest rate is exactly the same. YTD, my 401K investments are up 3% (Fidelity Target Retirement fund). That may be anot...
by N10sive
Wed Sep 19, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 401K loan
Replies: 7
Views: 576

Re: 401K loan

How much do you contribute to your taxable investments? Why not use those contributions to pay down the HELOC faster?
by N10sive
Tue Sep 18, 2018 12:53 pm
Forum: Personal Investments
Topic: HSA Investment Options
Replies: 8
Views: 565

Re: HSA Investment Options

Check the Vanguard 500 fund. Thanks I didn't actually see that one. It says .14% total operating expense for investor shares which is what I guess I would have. http://quote.morningstar.com/fund-filing/Prospectus/2017/4/27/t.aspx?t=VFIAX&ft=485BPOS&d=9974378557416b45bc2d832f365d2008 Your earlier po...
by N10sive
Tue Sep 18, 2018 12:40 pm
Forum: Personal Investments
Topic: HSA Investment Options
Replies: 8
Views: 565

Re: HSA Investment Options

Darth Xanadu wrote:
Tue Sep 18, 2018 12:30 pm
Check the Vanguard 500 fund.
Thanks I didn't actually see that one. It says .14% total operating expense for investor shares which is what I guess I would have.
http://quote.morningstar.com/fund-filin ... 2f365d2008
by N10sive
Tue Sep 18, 2018 12:27 pm
Forum: Personal Investments
Topic: HSA Investment Options
Replies: 8
Views: 565

Re: HSA Investment Options

Put the expense ratios in your post..not the share prices. At this point I am more looking into what people would suggest as good options. My HSA is through Payflex and a rather crappy website. For every fund it just links me to the Morningstar like this: http://quote.morningstar.com/fund-filing/Pr...
by N10sive
Mon Sep 17, 2018 8:53 pm
Forum: Personal Investments
Topic: HSA Investment Options
Replies: 8
Views: 565

HSA Investment Options

Hello, I am finally able to put money into the investment options of my HSA. Could you please recommend what options to use. I am only 31 and plan to keep this invested for as long as I can. I am a relatively healthy individual. I was thinking something similar to the S&P500 but do not recognize mos...