Search found 21 matches

by chessknt
Fri Jan 19, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 92
Views: 10723

Re: Xfinity Mobile

My experience: Bought 2x LG xcharge for free during a promo several months ago. Took Sim cards out, unlocked both, and sold on secondary market. Put Sim cards in my Verizon s8 and s7 and it has worked well with only random small annoyances (texts show up weird some times if they are long and can't u...
by chessknt
Thu Jan 18, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 140
Views: 6853

Re: Short Commute or Nicer House?

I would take house hands down. I spend a lot more time in the house than the car and I have a rotating list of audio books so I actually look forward to driving.
by chessknt
Tue Jan 09, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Why Roth?
Replies: 7
Views: 986

Re: Why Roth?

I think it depends on tax bracket and other factors. For example in Pennsylvania you pay taxes on 401k contributions and if you don't intend to retire in that state you might as well convert to a Roth and eat all taxes at once instead of being taxed twice.
by chessknt
Thu Jan 04, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, starting late
Replies: 16
Views: 896

Re: Asset Allocation, starting late

You have good income and 20+ years of work left in you--you have plenty of time. I would make a plug for own occupation disability and life insurance now to protect your (hopefully growing) family against these possibilities. You can still backdoor Roth Ira at your income bracket as well.
by chessknt
Tue Dec 26, 2017 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Landlord vs tenant issue across the country
Replies: 32
Views: 3412

Re: Landlord vs tenant issue across the country

Sounds like a slumlord. No point talking to him any more with that attitude, prepare to lawyer up for this expensive life lesson. Lease language and state laws are what you need now. I know in most states they have to try to fill the vacancy while you pay rent but in some they don't. The lease break...
by chessknt
Sun Nov 26, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3635

Re: Let Go by MegaCorp - Lots of options

Including your home you have approx 4m in assets and an incredible pension around the corner. You can do anything you want and if it were me I'd go with option 2. Find some part time work possibly in a different field you've been interested and enjoy life. If you find yourself wanting to work more a...
by chessknt
Sun Nov 26, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 1354

Re: Best auto loan rates?

Lightsream had competitive rates and a very simple process. Loan was also unsecured so I don't have an extra step in terms of auto titling and insurance.
by chessknt
Fri Nov 24, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3219

Re: Electric Car (Nissan Leaf) for a teen driver?

Finally she wont learn how to maintain a ice car (ie oil change intervals, coolant, timing belt, etc). This statement is going to sound increasingly anachronistic with each passing year, as ICE vehicles become more and more obsolete. Oil changes, coolants, timing belts are not the way of the future...
by chessknt
Fri Nov 17, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3219

Re: Electric Car (Nissan Leaf) for a teen driver?

Get a used civic or camry. The leafs have issues with driver side safety which I would be very concerned with in a new driver. Their batteries are known to degrade and the car will be expensive to repair if mechanical issues arise. The drive and pick up of an electric car is different from a gas car...
by chessknt
Sat Oct 28, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 19944

Re: Early-retired 35 year old with $1 million

Major variables I worry you did not account for: 1-social security-You benefit will likely be much smaller given the lower number of work credits which may impact you when your expenses (ie health) go up as you ate 2-health insurance-this is quite expensive on the individual market and could financi...
by chessknt
Wed Oct 11, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Major home maintenance vs return on investment
Replies: 7
Views: 1026

Re: Major home maintenance vs return on investment

FIrst look outside at where the water is coming up against the house or draining in that area. Often simple regrading, or swale, or water redirection, or gutter installation, etc, etc, will take care of the leak without every having to fix the leak. Even if there is a crack, there's no leak if ther...
by chessknt
Wed Oct 11, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2442

Re: Ecuador safe to travel and hike?

Generally safe. I can echo the police commemt-people I was travelling with had copies of their passports instead or the real thing and were.detained for several hours in a police station. Not a shakedown since once someone brought their real passports they were free to go but still seemed a bit aggr...
by chessknt
Wed Oct 11, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Major home maintenance vs return on investment
Replies: 7
Views: 1026

Re: Major home maintenance vs return on investment

No. I didn't notice the flooring slant until i spent some time in the house or pantry door that doesn't close due to a door frame shift until my daughter started playing with it. Couldn't inspect foundation walls due to insulation.
by chessknt
Wed Oct 11, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3816

Re: SUV options with 3 little kids

Agree with minivan, odyssey was among favorites when we looked.

No reason to get awd in a vehicle little kids are in unless you live off a dirt road or something. Appropriate winter tires are far superior for winter driving if that is the concern.
by chessknt
Wed Oct 11, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Major home maintenance vs return on investment
Replies: 7
Views: 1026

Major home maintenance vs return on investment

I have a mobile job and can easily move and find work. I plan on moving in the next 4-5 years and bought a home built in 2014 this year. Since my purchase I have notice a few issues that make me suspicious that there has been major settlement or a foundation issue. I recently found some small water ...
by chessknt
Sat Sep 09, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 10201

Re: Contemplating an Electric Car

I strongly considered buying an ev but was deterred by several reasons: their resale value is dismal with the decreasing newer model msrp as technology improves (think circa 2000s pc vs 2010) and multiple unequal tax incentives (a leaf in michigan costs 10k more than a leaf in New Jersey by virtue o...
by chessknt
Mon Aug 14, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Billing 99212 for rx refill?
Replies: 42
Views: 3915

Re: Billing 99212 for rx refill?

If youre sure it was in relation to this visit then no, it does not meet criteria as there was no examination done. A call to their office should fix it. Unlike most professions, doctors are expected to field phone calls for their patients/clients for free.
by chessknt
Thu Jul 27, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k deposited in to Roth IRA on accident
Replies: 1
Views: 247

Rollover 401k deposited in to Roth IRA on accident

I rolled over a 401k to vanguard and the steward of the money mixed up my account numbers (also rolled over roth 403b from same steward) and put all of my money in to my vanguard roth IRA instead. Vanguard suggested using an excess contribution form to withdraw the 401k amount from my vanguard roth ...
by chessknt
Wed Jul 13, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 687

Re: Is my fund selection logical for my goals?

If I have a fixed asset allocation though I don't see how this is an issue--strict adherence to my AA with rebalancing and dollar cost averaging is my driving philosophy which is why I need to make sure I have it correct and logical since I don't ever plan to deviate except when adjusting my AA at c...
by chessknt
Wed Jul 13, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 687

Re: Is my fund selection logical for my goals?

Welcome to the forum :) . What accounts are each of these investments in, 401k, IRA, taxable brokerage? How much are you contributing annually to each account? Do you have any debt, if so what types, amounts and interest rates? You can simply add information to your original post using the edit but...
by chessknt
Wed Jul 13, 2016 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 687

Is my fund selection logical for my goals?

Hello, I recently readjusted my AA and decided I wanted to tilt to value a good bit. I am late to savings (35) but will have a steady 6 figure income until I retire. I will be able to work until I don't want to any more and think growth/risk is more important given my lost decade rather than safety ...