Search found 27 matches

by jordan
Sat Feb 09, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer deduct amount from salary as loan
Replies: 11
Views: 1277

Re: Can employer deduct amount from salary as loan

Hello , Its different for me . I am h1b candidate working for information technology. I never took any loan , no advance leave. I had 130 hours when i left company so according company law employer has to pay me vacation hours money. I never signed any document for loan. no relocation assistance was...
by jordan
Fri Feb 08, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer deduct amount from salary as loan
Replies: 11
Views: 1277

Can employer deduct amount from salary as loan

Hello , I am asking question which isnt related to investment but related to money hope some one will help me.Recently I changed my job and My previous employer deducted half of my monthly salary and put deduction under loan in salary sleep. I never took any loan from him or never signed any documen...
by jordan
Fri Feb 08, 2019 9:18 am
Forum: Personal Investments
Topic: Roll Over 401k to traditional IRA or new 401k
Replies: 5
Views: 405

Re: Roll Over 401k to traditional IRA or new 401k

Thank you for your reply. will rollover to Traditional IRA to vanguard..
Jordan
by jordan
Thu Feb 07, 2019 6:59 am
Forum: Personal Investments
Topic: Roll Over 401k to traditional IRA or new 401k
Replies: 5
Views: 405

Roll Over 401k to traditional IRA or new 401k

Hello , Recently I have changed my jobs and joined new company. I have 401k with my previous employer in john hancock and need to rollover to new employer or traditional IRA. what can be better option to rollover to new employers fund (adp) or to rollover to traditional IRA. Please provide me your i...
by jordan
Sat Feb 02, 2019 12:04 pm
Forum: Personal Investments
Topic: vanguard total market index funds
Replies: 5
Views: 472

vanguard total market index funds

Hello All, Based on advise here i tried to follow three fund strategy and invested in vanguard total market fund but after a year i am down 300$. Should stay in same funds for long time or should i change investment strategy .. I am planning to put more money in Mutual funds . please advise which ar...
by jordan
Thu Jan 18, 2018 8:06 pm
Forum: Personal Investments
Topic: Roth IRA - Vanguard First timer need help
Replies: 1
Views: 364

Roth IRA - Vanguard First timer need help

Hello , Thank you for your help in selecting strategy for my 401k and now i have opened account with vanguard for Roth IRA. i have 5500$ in my account for 2017. I am following three fund strategy for my 401k which in John hancock.. I am currently 35 years of age and would like to invest in good fund...
by jordan
Thu Dec 21, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: renting apartment vs Purchasing apartment
Replies: 10
Views: 776

Re: renting apartment vs Purchasing apartment

Hello Friends , I have question about buying home vs Renting. I am renting since last two years and paying around 1320$/month of rent.now i require 2bed/2bath apartment which will cost me 1600$/month. If i buy apartment then mortgage will be around 800$/month with down payment of 5000$. i am not su...
by jordan
Thu Dec 21, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: renting apartment vs Purchasing apartment
Replies: 10
Views: 776

Re: renting apartment vs Purchasing apartment

Without knowing your location, it's hard to know if buying vs. renting makes sense. $800/mo....you're looking at a 2br/2ba apt. that's only $170k? And you're able to purchase with only $5k down? The lender should provide a good faith estimate of closing costs. And as others have said, if you purcha...
by jordan
Thu Dec 21, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: renting apartment vs Purchasing apartment
Replies: 10
Views: 776

Re: renting apartment vs Purchasing apartment

i am not sure but at least i am going to stay there for 2 years. After which time you'd want to sell it? What city/town do you live in? Hello Bolderboy , I live in germantown Md. I am not in rush to sell it ..i am planning to stay atleast for 3 years. Probability is more i stay in the same area.so ...
by jordan
Thu Dec 21, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: renting apartment vs Purchasing apartment
Replies: 10
Views: 776

Re: renting apartment vs Purchasing apartment

Thank you for your reply..How can i make sure to have minimum closing cost and good mortgage rates.what will be good starting point ? I have realtor whom i am going to talk ..

Jordan
by jordan
Thu Dec 21, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: renting apartment vs Purchasing apartment
Replies: 10
Views: 776

renting apartment vs Purchasing apartment

Hello Friends , I have question about buying home vs Renting. I am renting since last two years and paying around 1320$/month of rent.now i require 2bed/2bath apartment which will cost me 1600$/month. If i buy apartment then mortgage will be around 800$/month with down payment of 5000$. i am not sur...
by jordan
Sun Dec 10, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1378

Re: carefirst or Kaiser Rockville Md

hello , BCBS and Kaiser both offers HMo Plan other type of plan for BCBS is way costly above 1000$. my parents visited doctor once during their 1 year stay for primary check up. They don't have any regular physician as they spend only one year and never require any special medical treatment.they ar...
by jordan
Sun Dec 10, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1378

Re: carefirst or Kaiser Rockville Md

Thank you guys . I will go with kaiser. I also talked to few people who are insurance broker and also they said same thing that if you are above 65 years kaiser is good. I am from Montgomery county so i think facilities are good. there are three hospitals around so will be easy to do all work in one...
by jordan
Sat Dec 09, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1378

Re: carefirst or Kaiser Rockville Md

hello , BCBS and kaiser both offers HMo Plan other type of plan for BCBS is way costly above 1000$. my parents visited doctor once during their 1 year stay for primary check up. They don't have any regular physician as they spend only one year and never require any special medical treatment.they are...
by jordan
Sat Dec 09, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1378

Re: carefirst or Kaiser Rockville Md

Hello , One more question i have is out of network coverage when you travel outside of state.. I am pretty new to this as i got insurance from my company which covers everything for us .. they mentioned out of network maximum you may.. what i understand is if i go out of network then i have to pay m...
by jordan
Sat Dec 09, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1378

carefirst or Kaiser Rockville Md

Hello , I really sorry to ask this question in this forum but i didnt find any good source to get information for insurance. I am confused in deciding which insurance to take in 2018 for my parents(not eligible for medicaid). Plans available for Maryland is Kaiser or care first. Carefirst starts aro...
by jordan
Tue Dec 05, 2017 10:10 am
Forum: Personal Investments
Topic: mutual fund or index fund . confused need advice
Replies: 4
Views: 660

Re: mutual fund or index fund . confused need advice

Hello , I am 34 right now .. Not retiring before 65. I have savings after doing 401k max , IRA(5500) . I would like to invest in some funds where my money grows . i wont take money from that fund for atleast 10 years. For another 3 years i wont purchase any property . to purchase property i have dif...
by jordan
Mon Dec 04, 2017 8:19 pm
Forum: Personal Investments
Topic: mutual fund or index fund . confused need advice
Replies: 4
Views: 660

mutual fund or index fund . confused need advice

Hello , Thank you for helping me in three fund strategy and setting up my 401k account with it. I have maxed out my 401k and now would like to invest more money in index fund or mutual fund. I need help in deciding where to put money for long term gain. I dont need this money for another 10 years an...
by jordan
Tue Nov 28, 2017 9:53 am
Forum: Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 23
Views: 3858

Re: Certified Deposits [Certificates of Deposit - CDs]

Thankx .. Will take a look...
by jordan
Tue Nov 28, 2017 5:28 am
Forum: Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 23
Views: 3858

Re: Certified Deposits

Hello , Thank you for your Response. I would like to invest some part as secure money . I read online and people says bonds are also not risk free.I am putting 10% money in CDs and also planning to put some money in bond outside 401k.. (401k following three fund strategy where put 20% in bond).. Can...
by jordan
Mon Nov 27, 2017 4:24 pm
Forum: Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 23
Views: 3858

Certified Deposits [Certificates of Deposit - CDs]

Hello , Is it good idea to invest some amount in Certified Deposits ? I heard its risk free upto250,000. Guaranteed return (better then bond).Most of the banks provide that and longer duration gets Good Return. Can any one please share their views on it.. Regards Jordan [edited thread title for clar...
by jordan
Fri Oct 27, 2017 6:01 am
Forum: Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 2227

Re: Help - 401k John hancock Fund Selection

Thank you guys .. followed your advice and three fund strategy ... :sharebeer
by jordan
Wed Oct 25, 2017 7:22 pm
Forum: Personal Investments
Topic: Re balancing(shuffling) 401k funds between difn selection
Replies: 1
Views: 229

Re balancing(shuffling) 401k funds between difn selection

Hello , Recently i inquire about which funds to invest in 401k . I have account with john hancock but question comes to my mind is based on graph and other things return for some funds are good for short term and some are good for long term.. How to rotate funds based on market to get maximum return...
by jordan
Tue Oct 24, 2017 7:07 pm
Forum: Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 2227

Re: Help - 401k John hancock Fund Selection

Hello , Thank you for your help.. Another question is for how long should i keep my money in this funds.. Should move it from one fund to another fund. Also Stock market is really high it may crash .. Which will be safest fund to transfer money at that time.. I am allowed to transfer my funds twice ...
by jordan
Tue Oct 24, 2017 4:43 am
Forum: Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 2227

Re: Help - 401k John hancock Fund Selection

Hello ,
I appreciate your advise . do you think vanguard small cap index is worth taking risk as ratio is cheap .67 and people say vanguard is good..till how much time should i keep my funds in it..
Also , any other investment advise ..
Jordan
by jordan
Mon Oct 23, 2017 6:03 pm
Forum: Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 2227

Help - 401k John hancock Fund Selection

Hello , Hope you guys are find. I am thankful to you for great advice. i have question about john hancock 401k plan selection. I go over the available plan but confused which one to select and what can be redeem fees. I new to investment . tried to go over all the information but couldnt figure out ...
by jordan
Tue Jul 18, 2017 7:15 pm
Forum: Personal Investments
Topic: John hancock -401k fund selection
Replies: 2
Views: 990

John hancock -401k fund selection

Hello , Hope you guys are find. I am thankful to you for great advice. i have question about john hancock 401k plan selection. I go over the available plan but confused which one to select and what can be redeem fees. I new to investment . tried to go over all the information but couldnt figure out ...