Search found 107 matches

by raamakoti
Fri Feb 16, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Share your favorite excel speadsheet
Replies: 7
Views: 1499

Re: Share your favorite excel speadsheet

Personal capital
Mint.com
by raamakoti
Fri Feb 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much would paying a lump sum toward my loan save me?
Replies: 12
Views: 902

Re: How much would paying a lump sum toward my loan save me?

Get an app on your phone called "Payoff Track"
by punching your numbers quickly it says " you would save $1612.69 in interest by makinng extra 14k payments"
it will reduce your number of payments by 12.

Play with the app its fun to see how much you save.
by raamakoti
Fri Jan 26, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 37
Views: 7591

Re: Warning on "free" Morningstar trial

why pay for morning star,
through our local library it is free - people should check in their respective area if it is available for free.
https://cuyahogafallslibrary.org/databases-a-z/
by raamakoti
Wed Jan 24, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay extra mortgage principal?
Replies: 11
Views: 911

Re: How to pay extra mortgage principal?

I have 5/3rd bank mortgage and they have an option to make extra payment. It shows up as principle curtailment.
Every easy to do
by raamakoti
Wed Jan 24, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: fidelity visa- is opening bonus worth it over Citi?
Replies: 35
Views: 2165

Re: fidelity visa- is opening bonus worth it over Citi?

I have Citi and like it so far. 2% no hassles. Fidelity you have to have account with them. I have 401k but they do not deposit in 401k account.
I did not want to open taxable trading account with them. So I choose Citi.
by raamakoti
Sat Jan 20, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 1871

Re: Should I stop 529 Contributions

leftcoaster wrote: ↑
Sat Jan 20, 2018 10:39 am
Grad school likely?
We can hope that she would go to grad school because we both went to. But what we did is not a metric for her just a hope of optimistic parents.

Thank you for the replies. Yes we are maxing out tax advantage accounts
by raamakoti
Sat Jan 20, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 1871

Should I stop 529 Contributions

We are maxing our tax advantage accounts all of them. Our 529 stands at $62k Age of the kid is 5 years. We contribute $510 each month earlier we used to do 1000 a month. I am trying to avoid over funding. I was of the opinion I would rather contribute sooner and let compounding take charge of growth...
by raamakoti
Thu Jan 18, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How to max out 401k
Replies: 19
Views: 1950

Re: How to max out 401k

Thank you all for your replies, appreciate the help
Our company does not offer matching after reaching out maximum contribution limit, so I would loose on company matching. So best strategy would be to wait for bonus in April to July. And then change % to get close to 18,500.
by raamakoti
Wed Jan 17, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much of your 401k is from your contributions?
Replies: 6
Views: 674

Re: How much of your 401k is from your contributions?

Working for same company. 12.5 years ago my pay was not as much as current
It was easy fidelity manages my account so I looked for transactions from my joining date.
Employee + Employer contribution = 26%
Growth - 74%
by raamakoti
Tue Jan 16, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to max out 401k
Replies: 19
Views: 1950

Re: How to max out 401k

Thank you for your feedback. I work for a decent size company and fidelity manages our 401k.
Does the 18500 include 4% employer matching as well or is that separate?
by raamakoti
Tue Jan 16, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to max out 401k
Replies: 19
Views: 1950

How to max out 401k

How to max out 401k without going over the limit set by IRS. based on my pay it is easy to calculate but some monetary rewards and bonus throw me of balance. How to offset for these since they are not predictable. Last year I got $1000 reward for extra contribution to the company and bonus of 8.75% ...
by raamakoti
Mon Jan 15, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1679

FlipPhone

Does anyone has filpPhone in this group. I am getting sick and tired of expensive iPhones. I wanted to know how much is the monthly plan. Currently I have with local carrier named H2O Wireless and pay $36 per month. Their cheapest plan is $25. Its $11 savings per month but I wanted to check if I can...
by raamakoti
Sun Jan 07, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 9265

Re: How much are you putting in a 529?

One kid - $1000 a month.
by raamakoti
Mon Dec 18, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1428

Re: Buying a new car (HELP!!!)

Read - "Never split the difference" and negotiate hard
by raamakoti
Mon Dec 18, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7097

Re: How do Bogleheads save on eyeglasses?

https://www.zennioptical.com/
Worked great for me - twice, I ordered progressive bi-focal no line. Really light weight for $70
But it did not work for my wife.
by raamakoti
Mon Dec 18, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Amortization Tools
Replies: 5
Views: 587

Mortgage Amortization Tools

I was wondering if fellow BH can tell me what kind of software Apps or tools they used to run various mortgage payoff scenarios. I used couple of iPhone apps but data entry is bit cumbersome. I used excel at work. But they do not work well on my Mac. Also their projections and graphs were not that g...
by raamakoti
Fri Dec 15, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Dependent Childcare FSA
Replies: 3
Views: 373

Dependent Childcare FSA

We contribute $5000 per year for Childcare expenses. My daughter would be starting her Kindergarten 2018 - Sep. So 2018 could be the last year we can contribute pretax 5000 towards this expense. But Kindergarten is between 8 to 4, however montessori school does offer other programs between 4 to 6 PM...
by raamakoti
Fri Dec 15, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

Re: How to deal with Micro-manager

My first thought....how far down the road to financial freedom are you. I chant this daily, another day closer to retirement :) Stepping over to escalate will cause serious problems. She can respectfully ask but if it's this person's persona, it is what it is. +1 I second this. Through past experie...
by raamakoti
Fri Dec 15, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

Re: How to deal with Micro-manager

It's not this aspect, the "micro" aspect comes with work too, for example, a document will be reviewed and the feedback will not be about the quality of the content but about stuff like paraphrasing, including a "," etc.. While using company chatting also she feels it is silly that he uses many emo...
by raamakoti
Thu Dec 14, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

Re: How to deal with Micro-manager

As far as "abusing system", she is not sure if the manager had any bad experiences in the past, everyone in the current team though, is very professional, sincere and nice. She can't imagine any of them could be misusing and abusing the system. It could mostly be that he is seeing himself in others ...
by raamakoti
Wed Dec 13, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

Re: How to deal with Micro-manager

Weird of all (missed to mention) is that all his directs, when on conference call need to be unmuted, even when they are not talking. If he sees someone muted he would point out and ask them to unmute. Looks like he is a relatively newer manager, and had been with this one company ever since he is o...
by raamakoti
Wed Dec 13, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

Re: How to deal with Micro-manager

Is the manager the hiring manager? How does the manager interact with other direct reports? Men/women? Senior/junior? What kind of people does he treat with respect? I would not do a skip-level until she has attempted resolution with the manager. Yes - He is the hiring manager. Most of the team is ...
by raamakoti
Wed Dec 13, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4169

How to deal with Micro-manager

This is for my wife who used to work for a big health care company. She moved to an architect role in a new company. She is in her third week. Her manger is a micro manager and seems to throw sarcastic jokes and sentences at her all the time. She worked for fortune 500 companies. According to her ma...
by raamakoti
Wed Dec 13, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 2302

Re: Teaching elementary school kids about money

Teach them simple saying to influence their subconscious brain 1. Money is a tool of exchange, which can not exist if there are not people to produce goods 2. Stocks is the only commodity people don't buy when they are on sale? 3. Always buy stocks when the market crashes 4. Why buy soups when cerea...
by raamakoti
Mon Dec 11, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1600

Re: Paying off a mortgage with an almost non-existent rate

How do you get a 0.125% mortgage? NACA's mission is to provide affordable homeownership with a focus on low- to moderate-income people and communities Targeted Members - Members whose income is less than 80% of the median income in the Metropolitan Statistical Area ("MSA") where the Member is purch...
by raamakoti
Mon Dec 11, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12413

Re: 2018 financial goals - what are yours?

The current politixal environment is driving me crazy. Ask yourself every time something drives you crazy. By going crazy are you in anyway helping the situation to get better. If not then you can let go the crazy part and relax. I know this forum does not encourage political discussion but last No...
by raamakoti
Sun Dec 10, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12413

Re: 2018 financial goals - what are yours?

We're also trying for a kid Don't forget to plan 529 plan. We are planning to experiment with living off of one salary, preferably lower one and save the entire higher salary for a year. We always spill over to the second one because of 1k we save every month for my girl's 529 plan. Dec 31 of this ...
by raamakoti
Sat Dec 09, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Same Multiple credit cards
Replies: 6
Views: 979

Same Multiple credit cards

I have discover it and also chase credit cards. But I keep getting this promotional offer for 18months no interest and free balance transfer. And discover is offering cash back match at the end of the year. i.e. they will match the amount I earned through 1 years worth of purchase. My question is do...
by raamakoti
Sat Dec 09, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Simplisafe or ADT
Replies: 11
Views: 1559

Re: Simplisafe or ADT

Those are two different genres of alarm; I'll leave that discussion to others. But if you opt for the traditional (ADT style) monitored alarm, you want to read the fine print very carefully, and get a local alarm company to quote an install. At least a few years ago, the pricing model used by ADT a...
by raamakoti
Thu Dec 07, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Simplisafe or ADT
Replies: 11
Views: 1559

Re: Simplisafe or ADT

I wanted to understand what BH do for home safety Thanks for your help 5' high perimeter no climb fencing with a zillion volt hot line on it. Electric gates with keypad code. Wireless cameras. Nosy neighbors. Open grazing land with large fields of view. Attack horses. . . . guard cats. . . . j :D :...
by raamakoti
Thu Dec 07, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Simplisafe or ADT
Replies: 11
Views: 1559

Simplisafe or ADT

I wanted to understand what BH do for home safety
Thanks for your help
by raamakoti
Thu Dec 07, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: New to investing - Help with portfolio & basics
Replies: 11
Views: 1344

Re: New to investing - Help with portfolio & basics

Read Peter lynch books
Read Berkshire Hathaway letters to shareholders
Letters by Howard marks
Watch Value investing videos on YouTube
by raamakoti
Wed Dec 06, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 3163

Re: Work from Home Jobs

Working 100% from at home is a lot different than working at home a few days a week. Starting up her own business would also be an option to consider. Driving lessons and/or counseling might help make her a more confident driver. Moving to be close to a job is also and option to consider especially...
by raamakoti
Wed Dec 06, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 3163

Work from Home Jobs

How do people find work from home type jobs. The reason for asking here is to help my wife. She is not much of a driver, only drives for things which are in 10 mile radius and she never steps on highways. She has over 15 years of Java programming experience in various industries, automation, healthc...
by raamakoti
Wed Dec 06, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 7779

Re: Mortgage as percentage of take-home pay

NE Ohio - currently - mortgage + local taxes = 24.61% of net pay.
by raamakoti
Tue Dec 05, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1738

How many security Camera's

I am looking for some advise, the house is 2800 sqft on 0.71acre piece of land with nearby friendly neighbors. There 3 entrance to the house, on is garage, front and backyard. I was thinking of something like this https://m.costco.com/Arlo-Pro-Smart-Home-Add-on-Camera-2-pack.product.100347078.html i...
by raamakoti
Tue Dec 05, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 6249

Re: Mortgage is About To Be Paid - I'm Scared!

Any advice on how your mind changes once you have no debt? Any advice on how to be OK holding large sums of accounts? I am used to being 'under' something that I'm trying to get paid off. I am not used to having something and being on top of it. Thank you. First realize the simple truth of your bra...
by raamakoti
Sat Dec 02, 2017 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Mint.com or PersonalCapital.com
Replies: 11
Views: 1360

Mint.com or PersonalCapital.com

I was wondering if fellow bogleheads can please tell me which online tool they use to track their investments all in once place. I found mint is good with expense tracking but lack in portfolio management. Are people here skeptical about these free tools and stay away from it and use software on the...
by raamakoti
Fri Dec 01, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 4341

Re: Should I keep the new iPad I bought or return it?

keep it - app interface is on iOS devices are much better than any other platform I used. Nothing came close, especially the apps I use.
by raamakoti
Fri Dec 01, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Persuasion and Hypnosis
Replies: 1
Views: 404

Persuasion and Hypnosis

May be my win bigly was possibly too political - sorry about that did not mean to violate forum policies. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=233458 I really wanted to go through hypnosis training. Being in NE Ohio I approached these guys http://www.wellness-institute.org/frequentl...
by raamakoti
Fri Dec 01, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 4135

Win Bigly - Scott Adams

I was wondering anyone here read win bigly by Scott Adams. I find the book very interesting. Also wanted to know if fellow bogleheads have experience in persuasion. If there are any trained hypnotist in this forum. I would like to learn more about hyponosis. Yes google is the best choice, but its no...
by raamakoti
Fri Dec 01, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3773

Re: Older Software Engineer Advice ~ Languages?

my wife has 15 years of JAVA experience. But struggles to find a job in NE Ohio area, because most of the corporations like Progressive, Diebold, etc are looking for C# and .net type of work. There are few exceptions once in a while like Cardinal Health, GE, they open multi year JAVA positions, but...
by raamakoti
Thu Nov 30, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4650

Re: Paying for news?

by raamakoti
Thu Nov 30, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3773

Re: Older Software Engineer Advice ~ Languages?

my wife has 15 years of JAVA experience. But struggles to find a job in NE Ohio area, because most of the corporations like Progressive, Diebold, etc are looking for C# and .net type of work. There are few exceptions once in a while like Cardinal Health, GE, they open multi year JAVA positions, but ...
by raamakoti
Wed Nov 29, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6250

Re: 2018 Goals - Financial or Otherwise

1. Be thankful for what I have
2. Read atleast a book a month
3. Sing, color, play with my 5 year old daughter
4. Wake up at 4Am - meditate twice a day
5. Reduce anger impulses and take easy on life.
6. Keep maxing out 401k, and Roth IRAs this year as well. Complete the last living will.
by raamakoti
Wed Nov 29, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 7657

Re: How much to tip movers?

What's stopping the owners from charging more to pay the movers more? How did it suddenly become the customer's job to make up for poor wages? If you hired a company to paint your house would you tip the workers? Why or why not? What's the difference? I did tip the painters, Plumbers, Furnace insta...
by raamakoti
Wed Nov 29, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 4010

Re: So i hit 6 figures... (questions about financials)

I am starting to feel like I can afford to live a nicer lifestyle regarding my living situation. Thoughts?? Congratulations - Define for yourself what is a nicer lifestyle. These two words can cost you a fortune if you are not careful. For me nicer lifestyle always was, read a lot, eat healthy, sta...
by raamakoti
Mon Nov 27, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1853

Re: Which model treadmill to buy

Thank you for all your feedback. Ended up buying NordicTrack C990 on craigslist for $475
by raamakoti
Mon Nov 27, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Scanner Software for PDFs
Replies: 8
Views: 806

Re: Scanner Software for PDFs

Check out we used this for long time
http://www.pdf995.com/
very happy with their service. I hope it meets your needs