Search found 66 matches

by paramedic
Sun Jul 14, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7592

Re: I think i can spend 30k on this vacation, but wife not sure

Yes, you can afford it. If you want to try to cut costs, I've found Premium Economy to be quite comfortable when flying international, it's what we usually choose. I can pretty much fully extend my legs, and I'm almost 6'2". Or, you could sign up for a couple credit cards for the sign up bonuses to...
by paramedic
Sat Jun 01, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2942

Re: Should I buy Euros from local bank or use ATM in Europe

Two of my favorite tips for when traveling abroad: 1. Put as many of your purchases on a no-foreign-transaction-fee credit card as you can. This will work at almost all restaurants (except the occasional one), most shops, and only some train/subway stations (for whatever reason, a lot of foreign tic...
by paramedic
Tue May 28, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 5024

Re: Teaching jobs

Can she get certified for high school math or science? There is much more of a shortage in high school STEM. Middle school math and science isn't nearly as short staffed. A Master's degree won't help much with securing a first teaching job. I'm a former teacher. Feel free to PM me with any other que...
by paramedic
Tue May 28, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: PTO -- use it, or cash it out?
Replies: 23
Views: 3382

Re: PTO -- use it, or cash it out?

A belated thanks, everyone! fyre4ce -- The PTO does not count toward OT, sadly. MotoTrojan -- I actually work a lot of 48 hour and 72 hour shifts... It all depends on the agency you work at. My old agency would have us drive to cover other neighboring service areas, so I stopped doing the long shift...
by paramedic
Wed May 22, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: PTO -- use it, or cash it out?
Replies: 23
Views: 3382

PTO -- use it, or cash it out?

Hi all, My job has an interesting policy on PTO. I ordinarily work 24 hour shifts. With 120 hours scheduled every 2 weeks, I get 8 hours overtime in week 1 (48 hours worked), and 32 hours overtime in week 2 (72 hours worked). My job offers me 72 hours of PTO every year, redeemable in 24 hour blocks,...
by paramedic
Wed Apr 24, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice for shopping for disability insurance?
Replies: 3
Views: 189

Advice for shopping for disability insurance?

Hey all, I posted back in 2016 and got some great advice to purchase disability insurance (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=199321&p=3119482#p3119482 is that thread). Basically, the argument was that if the unforeseen happened, disability insurance would be a good idea so that I ...
by paramedic
Wed Apr 10, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?
Replies: 9
Views: 1115

Re: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?

Thanks again, everyone! I successfully funded $5500 into the new Roth IRA for 2018 yesterday, and I was able to place the funds into an S&P 500-type fund today. :)

-mike
by paramedic
Wed Apr 10, 2019 10:26 pm
Forum: Personal Investments
Topic: FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?
Replies: 11
Views: 3277

Re: FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?

Thanks! I ended up investing in FXAIX today for the new Roth IRA.

-mike
by paramedic
Tue Apr 09, 2019 10:47 pm
Forum: Personal Investments
Topic: FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?
Replies: 11
Views: 3277

FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?

FNILX is Fidelity's zero expense ratio index fund that mirrors the S&P 500 (not by name, but by investment composition). It obviously has an expense ratio of 0.00%. FXAIX is basically Fidelity's S&P 500 index fund (apparently by name). It carries an expense ratio of 0.015%. Would there be *any reaso...
by paramedic
Tue Apr 09, 2019 12:09 am
Forum: Personal Finance (Not Investing)
Topic: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?
Replies: 9
Views: 1115

Re: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?

Thanks! I opened a Roth IRA tonight. I have deposited $5500, which I'm told will fund within 1 business day (I called the brokerage). My hospital system was bought out, hence the change from a 403(b) to a 401(k). It seemed to relate to a for-profit company buying them and placing us under their 401(...
by paramedic
Mon Apr 08, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?
Replies: 9
Views: 1115

Re: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?

You can put $5500 in an IRA, presuming you are not putting all of your salary into the workplace retirement accounts. Your marital status and AGI will determine the best option for you. Since you have a retirement plan at work, there are AGI limits for deducting a traditional IRA contribution or ma...
by paramedic
Thu Mar 28, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?
Replies: 9
Views: 1115

401(k)/403(b) maxed out, can I still place $5500 in an IRA?

I'm finishing up my taxes and had a thought --

With a 401(k)/403(b) maxed out at $18,000 for year 2018, can I still contribute $5500 into a year 2018 IRA?

The $18,000 401(k)/403(b) maximum is entirely separate from the IRA contribution maximum, correct? One can max out *both*?

-mike
by paramedic
Thu Nov 29, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2240

Re: The "lure" of working from home vs getting a better job

csm wrote:
Thu Nov 29, 2018 8:35 am
I think the answer to this is somewhat dependent on your age and whether or not you are still trying to advance in your career.
<snip>
I think you hit the nail on the head here. It sounds like the OP can make higher pay elsewhere, but needs to decide how important career advancement is.
by paramedic
Sat Nov 03, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job. SIMPLE IRA -- lower limit? Any options?
Replies: 7
Views: 344

Re: Potential new job. SIMPLE IRA -- lower limit? Any options?

If I can offer one more bit of advice from my Simple with Edward Jones experience, research your options. A search of this site is a good place to start including my past posts. The wonderful folks on this forum helped me quite a bit regarding my options instead of paying the hefty fees EJ charged....
by paramedic
Sat Nov 03, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job. SIMPLE IRA -- lower limit? Any options?
Replies: 7
Views: 344

Re: Potential new job. SIMPLE IRA -- lower limit? Any options?

acunn wrote:
Sat Nov 03, 2018 9:31 pm
put the other 6K into a Roth. It is post tax contribution now (so no tax break) but if you can swing it you will have a source of tax free withdrawal in the future.
Fantastic idea. Thank you.
by paramedic
Sat Nov 03, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job. SIMPLE IRA -- lower limit? Any options?
Replies: 7
Views: 344

Re: Potential new job. SIMPLE IRA -- lower limit? Any options?

Simple goes up o 13k in 2019, Roth to 6 k. Then either contribute to taxable or to an hsa if eligible. Ahh, okay. I didn't know about the 13K limit for 2019. But 401(k) and 403(b) limits also change to $19,000 for 2019, so there's still a 6K gap. I already max out out my HSA every year. I guess I m...
by paramedic
Sat Nov 03, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job. SIMPLE IRA -- lower limit? Any options?
Replies: 7
Views: 344

Potential new job. SIMPLE IRA -- lower limit? Any options?

Hi all, A local agency has offered me a job. The compensation is significantly higher. The new agency, however, offers only a SIMPLE IRA plan instead of a 401(k) / 403(b). They offer the SIMPLE IRA through Edward Jones. I currently contribute $18,500 annually to my retirement tax-free (presently all...
by paramedic
Thu Aug 23, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9270

Re: $65K Fun Daily Driver

If you're open to it, I personally like the idea of having two cars (e.g. a daily driver and a weekend car). It's just hard to find a car that offers everything if you're looking for a lot of power. I have a Dodge Viper (gen II) as a weekend car, and I couldn't be happier with it. The local Dodge de...
by paramedic
Fri Jul 13, 2018 10:12 am
Forum: Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3542

Re: What to do with extra $2500 a month?????

I would advise that you try to save more for retirement. I'm concerned with the low amount of your retirement savings. A HSA is also a great retirement vehicle.

I know that you and your wife each have a pension, but I am so loath to trust those in terms of retirement income.
by paramedic
Thu Jul 12, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 1230

Re: Amex in Europe

Amex is accepted in most high dollar places, but Visa is much more broadly accepted. Take both if we want. If you have an ATM card that reimburses fees as Schwab does, take it to get cash. We never get much cash since many countries (England, Poland, Hungary, the Baltic countries) aren't on the Eur...
by paramedic
Thu Jul 12, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 140
Views: 14347

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I have lived in Minneapolis. It's a nice place, and I generally recommend it. You get used to the weather! From my perspective, the only major downside of Minneapolis is that it sometimes feels like things move a bit slower in Minneapolis as compared to the rest of the nation. Granted, this is very ...
by paramedic
Thu Jul 12, 2018 3:02 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

Update: The Vanguard Institutional Index shares sold on 7/2/2018 at a price of $248.52 per share, and they were purchased in the new 401(k) on 7/11/2018 at a price of $252.99 per share. This 9 day gap (as fast as the transfer would go) included the July 4th holiday.

Not too bad overall.
by paramedic
Mon Jul 02, 2018 2:08 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

I just got off the phone with Milliman. They don't allow any kind of "in-kind" transfers out of the 403(b), unfortunately. They also confirmed that all assets would have to be liquidated by August 31. I am converting everything into cash and having them send a check to the new 401(k) provider. Thank...
by paramedic
Sun Jul 01, 2018 4:35 pm
Forum: Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 4148

Re: Question on "If You Can, How Millenials Can Get Rich Slowly"

Having not read this booklet in a long time, I am guessing that the idea is that, for the most part, your friends are focused on what is "hot" right now or fancy investment strategies they heard from someone else. Obviously if your friends are saying "invest like a Boglehead" or "read 'If You Can' ...
by paramedic
Sun Jul 01, 2018 4:15 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

This seems odd to me. I'm surprised you cannot do a direct custodian to custodian transfer instead of a rollover. I'm not familiar with your particular situation, but normally when doing a rollover, tax is withheld and the check is sent in your name, then you have 60 days to deposit it into the new...
by paramedic
Sun Jul 01, 2018 2:43 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

tibbitts wrote:
Sun Jul 01, 2018 2:29 pm
Even if "seamless" the various parts of the process tends to happen at unpredictable times, which is why you need to move to cash-like investments before moving the funds, and then move the funds to similar cash-like investments.
That is an excellent point. Thank you.
by paramedic
Sun Jul 01, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: What is a good travel website these days?
Replies: 12
Views: 1964

Re: What is a good travel website these days?

I use www.theflightdeal.com and www.secretflying.com to find flight deals. I then typically book by way of Google Flights (e.g. through their direct links) or via Priceline.

-mike
by paramedic
Sun Jul 01, 2018 2:05 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

I was in a similar situation earlier this year. I too work for a hospital system that was acquired by another hospital system. My old 403(b) was with Valic. The new 403(b) is with TIAA. I essentially made an account with TIAA, selected my investments and they did the rest. All of the money from Val...
by paramedic
Sun Jul 01, 2018 1:57 pm
Forum: Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2698

Re: Just joined the workforce with $400k in student debt: can you review my financial plan?

I am not addressing the bulk of your question, but I noticed that you are being impacted by the 7/1/2018 Insight shutdown.

If I may suggest a couple of options for temporary usage:

Mango Prepaid (6% APY, up to 5k)
Consumer’s Credit Union (4.59% APY, up to 20k)

Good luck.
by paramedic
Sun Jul 01, 2018 1:40 pm
Forum: Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 801

Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

I work for a hospital system that was acquired by another hospital system. Our old 403(b) is being discontinued. We're being told that we *have to* rollover the funds or otherwise obtain a full distribution from the 403(b). The new hospital system offers a 401(k), for which I am now enrolled. I have...
by paramedic
Sun Jul 01, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13006

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

The OP is exactly right. As others have mentioned, many of these fees are set by the owner themselves. It's definitely made me use AirBnb somewhat less. At the very least, I open each potential listing and look at the final price. Listing A for $55 versus Listing B for $69 can become Listing A for $...
by paramedic
Sun Jun 24, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4019
Views: 1152302

Re: What Book Are You Currently Reading? Part VI

Case against Sugar, by Gary Taubes. It's quite good, and it's making me re-evaluate my food intake. I liked it and appreciated the anthropological/sociological perspective a great deal. The direct connection with the tobacco industry were a revelation. Definitely! I had not realized the tobacco con...
by paramedic
Sun Jun 24, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55158

Re: What is/ was your career and would you recommend it now?

I'm a paramedic. I would recommend it overall. The barrier to entry is low (essentially 18 months of college), which is both a positive thing and a hindrance to the field. A young person can do 18 months of college in total and make about $40,000 to $50,000 base annual pay, which isn't terrible. Ext...
by paramedic
Sun Jun 24, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4019
Views: 1152302

Re: What Book Are You Currently Reading? Part VI

Case against Sugar, by Gary Taubes.

It's quite good, and it's making me re-evaluate my food intake.
by paramedic
Sun Jun 24, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7514

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Just my humble thoughts: Avoid the sabbatical. I feel that it has a major sting on one's career in many cases. My advice would be to try to do what you can outside of work that you really enjoy. Get involved in group activities. Travel (utilize your vacation time, etc.). Try to not let the job impac...
by paramedic
Sun Jun 24, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 14052

Re: When did you start flying business class?

I fly first class for free / nearly free (my last round-trip on Singapore Airline's Suites class was $38 total after my points redemption). I'm a big fan of the sign-up offers from credit card issuers. Obviously, with me being single, this is much easier to accomplish. A married couple could do the ...
by paramedic
Sat Jun 23, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for long-term care of a brother with Autism? (Financial aspect)
Replies: 27
Views: 2260

Re: Planning for long-term care of a brother with Autism? (Financial aspect)

Thank you, everyone, for your replies. I clearly have some more research ahead of me.
by paramedic
Wed Jun 20, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Planning for long-term care of a brother with Autism? (Financial aspect)
Replies: 27
Views: 2260

Planning for long-term care of a brother with Autism? (Financial aspect)

Hey all, I'm 33 years old. I have an older brother who is 35 years old, who has Autism Spectrum Disorder. He is "verbal" (can speak normally and such), but his social skills are very limited. He's tried to work at entry-level jobs but has been unsuccessful. My brother currently lives with my parents...
by paramedic
Mon Jun 18, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 4362

Re: “Day to kill” in Venice Italy

I would like to make a food recommendation: Stop by Cocaeta for crepes. Their address information is on TripAdvisor (https://www.tripadvisor.com/Restaurant_Review-g187870-d6739655-Reviews-Cocaeta_Non_le_solite_Crepes-Venice_Veneto.html). I seem to recall it being just slightly out of the way but sti...
by paramedic
Mon May 21, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 91
Views: 23398

Re: Why is Vanguard switching all accounts to brokerage accounts?

goshenBogle, what kind of errors did you find?

Are we talking about substantive errors or more minor / cosmetic errors?
by paramedic
Mon May 21, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 2143

Re: Older iPhone text msgs disappear

I have come to believe that some versions of iOS may be storing text messages / iMessages on iCloud. The reason for my suspicion is that often a conversation will load empty or with only half a screen of messages initially, then after several seconds (depending on the cellular or wifi connection spe...
by paramedic
Thu Feb 08, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4019
Views: 1152302

Re: What Book Are You Currently Reading? Part VI

12 Rules for Life: An Antidote to Chaos by Jordan B. Peterson. Really thought provoking. Our library has 6 of those books on order and 93 people are waiting for it! Think you would ever re-read? I don't know that I would necessarily re-read it. However, I'm only 19% through the book (per my Kindle)...
by paramedic
Thu Feb 08, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4019
Views: 1152302

Re: What Book Are You Currently Reading? Part VI

12 Rules for Life: An Antidote to Chaos by Jordan B. Peterson.

Really thought provoking.
by paramedic
Fri Nov 24, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 16760

Re: Help DW gets fired, but then next day her boss offers her job back

I'm glad she's worked something out, but isn't this exactly what an emergency fund is for? You said early-on that your current EF could last you 10 years with this deficit. I would rather spend 10 years figuring something else out than work in a situation where I was treated like that. I think your...
by paramedic
Fri Nov 10, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 2249

Re: When would you take a part-time option?

I would consider a part time option when I tell my bosses I'm ready to retire and then they ask me to stay on part kind of time in some capacity. :sharebeer This happened to me at a past job -- I didn't "retire", but I told them I was ready to leave -- and it led to a great part-time arrangement th...
by paramedic
Thu Nov 09, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 3447

Re: Comments on Kia Soul?

I had a Kia Soul (2014 model, I believe?). It wasn't bad, but it had a lot of road noise. Perhaps the models have improved, but the road noise struck me as particularly annoying at the time. A friend of mine with the same make/model/year also commented on the road noise. My subsequent vehicle was a ...
by paramedic
Wed Nov 08, 2017 1:49 pm
Forum: Personal Investments
Topic: First Responder needs some advice
Replies: 6
Views: 1000

Re: First Responder needs some advice

Hi, Paul. I don't want to get off-topic, but how safe do you think your pension is? I'm also in Texas, and some of us here have been a bit worried about the long-term prospects of promised pensions. I'm personally doing all of my retirement planning under the worst-case assumption that cities will f...
by paramedic
Wed Nov 08, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6570

Re: Poll-How much do you have in your HSA?

I'm 32 years old. Don't recall exactly when I started - 5-6 years ago, maybe?

$26,415.45 balance.
by paramedic
Wed Nov 08, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2333

Re: Auto Insruance Payment

I use Amica. I pay for one year at a time. I can use a credit card at Amica without paying a fee. I pay off the card every month, and I try to make it one that helps me meet a spend bonus.
by paramedic
Tue Nov 07, 2017 9:30 pm
Forum: Personal Investments
Topic: Multiple direct 401(k) rollovers in same calendar year?
Replies: 8
Views: 796

Re: Multiple direct 401(k) rollovers in same calendar year?

Thanks for the additional clarification, everyone.

So I will proceed with the direct rollovers.