Search found 53 matches

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: 283

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: 283

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: 283

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: 283

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: 8771

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: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3377

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: 1179

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: 96
Views: 9483

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: Investing - Help with Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 3947

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: 1812

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: Investing - Help with Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2578

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: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 731

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: 81
Views: 7176

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: 3408
Views: 1014997

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: 345
Views: 35816

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: 3408
Views: 1014997

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: 7033

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: 12882

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: 2121

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: 2121

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: 3855

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: 90
Views: 17732

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: 1992

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: 3408
Views: 1014997

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: 3408
Views: 1014997

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: 15409

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: 2158

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: 2961

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: Investing - Help with Personal Investments
Topic: First Responder needs some advice
Replies: 6
Views: 969

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: 6198

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: 2146

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: Investing - Help with Personal Investments
Topic: Multiple direct 401(k) rollovers in same calendar year?
Replies: 8
Views: 750

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

Thanks for the additional clarification, everyone.

So I will proceed with the direct rollovers.
by paramedic
Tue Nov 07, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 32744

Re: How old are you and how much do you save for retirement a year

I am 32 years old. For the past (seven? eight?) years, I have done the 401(k) / 403(b) maximum each year - approx $18K - plus the HSA max (approx $3200 per year for me, though I can't recall for how many years). I don't save into non-tax-advantaged accounts, though, even though I should. I need to c...
by paramedic
Sun Nov 05, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple direct 401(k) rollovers in same calendar year?
Replies: 8
Views: 750

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

Awesome. Thanks. Yes, I don't desire to take custody of the funds. I'll do direct transfers.
by paramedic
Sun Nov 05, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple direct 401(k) rollovers in same calendar year?
Replies: 8
Views: 750

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

Is there anything stopping me from rolling over three old 401(k) plans (from different employers) into an IRA, in the same calendar year, from an IRS or legal standpoint?

I would be doing direct rollovers. Do I need to worry about the IRA One-Rollover-Per-Year Rule?
by paramedic
Sun Nov 05, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 6982

Re: College student... Financial mess... Need advice...

Cash for keys. She obviously has financial issues. Offer her $1500 or $2000 cash if she leaves and turns in her keys. Then coordinate with landlord to immediately change locks. Also try to negotiate a lump sum payment to landlord to end lease early. Yes, it will feel financially painful to do this, ...
by paramedic
Fri Nov 18, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 4188

Re: Financial check-up -- anything else I should be doing?

UPDATE: Hey everyone, thanks for the suggestions. Today during my employer's open enrollment, I added Voluntary Long Term Disability (as had been suggested in this thread). It offers a $1500/month benefit (the max they offer, unfortunately) for $5.40 per month in premiums. I suppose I should conside...
by paramedic
Fri Sep 16, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard Invite to a] "private event"
Replies: 28
Views: 4534

Re: "private event"

Is there an incentive provided to attend?
by paramedic
Fri Sep 16, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 4188

Re: Financial check-up -- anything else I should be doing?

Thanks, everyone! I will check into 457 plans further. I have another part-time job with a city fire department, as well as a part-time job teaching at a fire academy. Perhaps either employer has such a plan available. That would let me redirect some of my part-time job income into there. Just to be...
by paramedic
Wed Sep 14, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 4188

Re: Financial check-up -- anything else I should be doing?

Thank you for the continued replies, everyone. Very good thoughts. EnjoyIt, I do not see myself retiring early -- I would be incredibly bored! I'm also happy with my ability to take classes as I work. I would want to be taking the same classes if I retired, so why not continue to earn an income for ...
by paramedic
Tue Sep 13, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Infosec Tech jobs and quality of life in Raleigh area
Replies: 16
Views: 2372

Re: Infosec Tech jobs and quality of life in Raleigh area

but inferior to cities such as Boca Raton, Naples, or St. Petersburg from an enjoyment perspective (purely in my own opinion). What do you like about Boca, Naples and St. Petersburg? I've driven through St. Pete's beach but haven't had time to explore those areas and would like to eventually. I sup...
by paramedic
Tue Sep 13, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 7811

Re: How I circumvented Chase's 5/24 rule

I've had a normal Chase savings account for a while now, but not Private Client. I'm above 5/24, but I walked in, waited to talk to a banker (again, not as PC) and the preapproval popped up on his screen right away. This did not work for my husband who was right at 5/24, unfortunately. No pre-appro...
by paramedic
Tue Sep 13, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 45
Views: 7404

Re: What shape is your net worth curve?

Apologies for the lack of clear labels, but here is my curve from 2008 onward, courtesy of Mint.com.

Image
by paramedic
Tue Sep 13, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Infosec Tech jobs and quality of life in Raleigh area
Replies: 16
Views: 2372

Re: Infosec Tech jobs and quality of life in Raleigh area

I lived in Raleigh for a few months, and I did not personally care for the area much. Nothing stood out as super negative in itself, but neither did the area seem particularly compelling to me. From my time in Florida as a comparison, I would rank Raleigh above Orlando and Tampa, but inferior to cit...
by paramedic
Tue Sep 13, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 4188

Re: Financial check-up -- anything else I should be doing?

Strayshot, thanks for your thoughts. I will construct a will. With regard to Roths: If I contribute to a Roth, I lose that amount of a potential 401(k)/403(b) contribution, don't I? I could be wrong about this, but that has been my rationale for forgoing the Roth and maxing out my 403(b). But maybe ...