Search found 114 matches

by Figuring_it_out
Sat May 09, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA question
Replies: 3
Views: 334

Dependent Care FSA question

The original plan was to hire a babysitter for my 10 and 11 year old kids over the summer. It looks now that we will be working from home so no need for a babysitter. However, I started a dependent care FSA and already have ~ $1k contributed. I called HR and they agreed to discontinue future contrib...
by Figuring_it_out
Tue May 05, 2020 8:54 pm
Forum: Personal Investments
Topic: 100K savings, where to invest for long term?
Replies: 8
Views: 1122

Re: 100K savings, where to invest for long term?

For the kid I would start a 529 plan. There are many but I live in texas and can suggest the Utah plan as a low cost plan with good investment options. They use Vanguard funds as investment choices. https://my529.org/ https://www.investopedia.com/the-five-best-529-plans-for-college-savings-4776535 w...
by Figuring_it_out
Sun Apr 05, 2020 8:37 pm
Forum: Personal Investments
Topic: Probability of V shaped Rebound in Stocks
Replies: 82
Views: 7652

Re: Potential bottom in stocks

Roll of the dice. What permanent changes will happen due to the large "work from home" experiment. Q1 earnings and Q2 guidance will be low until the case load approaches zero across the us. (mid summer...maybe) Business travel will be slow to pickup. More skype and microsoft teams meetings since fol...
by Figuring_it_out
Sun Mar 29, 2020 9:10 am
Forum: Personal Investments
Topic: load funds inside of Empower 410k
Replies: 2
Views: 174

load funds inside of Empower 410k

My company used Empower to administer its 401K. I'm looking the 25 or so investment options (mutual funds) and it is 90% Class A share load funds. There are a few class R shares as well. Is it typical to have to pay a load every time you purchase Class A shares in a 401K? Or are these loads typicall...
by Figuring_it_out
Sat Mar 21, 2020 6:36 am
Forum: Personal Investments
Topic: problem with FLOT
Replies: 2
Views: 167

problem with FLOT

:oops: :oops: :oops: :oops:

I parked quite a bit of "safe" money in FLOT waiting for a marked bubble to pop. Well. FLOT popped too.

What did this bond fund go down when AGG was not nearly as affected?
by Figuring_it_out
Sat Feb 01, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: BofA alternative to Direct deposit that still triggers $100 bonus
Replies: 1
Views: 291

BofA alternative to Direct deposit that still triggers $100 bonus

I signed up with a new checking account with B of A. they offer a $100 bonus if you deposit two $250 direct deposits in the account. The define qualified direct deposits as paycheck or social security payments. No person to person, teller deposit, ACH or other allowed. Being clever folks from the in...
by Figuring_it_out
Tue Jan 28, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Dog repellent when biking
Replies: 63
Views: 2910

Re: Dog repellent when biking

You don't need anything more than a small canister of personal protective pepper spray. Get a good brand with high ratings for stopping power. Also a water bottle. Water bottle first if you don't feel majorly threatened (not a pitbull or other aggressive bread). If the water doesn't work, a short sp...
by Figuring_it_out
Sun Jan 26, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: charles schwab referral bonus
Replies: 8
Views: 1288

Re: charles schuab referral bonus

Does the person that sends the referral get anything?


tdameritrade gives $50 per referral. wondering if schwab does something similar.
by Figuring_it_out
Sun Jan 26, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge $900 preferred rewards brokerage bonus
Replies: 14
Views: 1768

Re: Merrill Edge $900 preferred rewards brokerage bonus

usaa once had an offer to get 2.5% cash back on a card. you had to have a usaa checking account and direct deposit 1000/ month to keep the 2.5% going. i just setup a automatic bill pay from my bank to push 1k into that account and they are happy. The deal is long gone now but all my bills go through...
by Figuring_it_out
Sun Jan 26, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge $900 preferred rewards brokerage bonus
Replies: 14
Views: 1768

Re: Merrill Edge $900 preferred rewards brokerage bonus

Thanks, I think I'll open a BofA checking account as suggested and put $100 in. Open the merrill edge then link it to the checking account then transfer in the BND shares to the edge account. Then I'll do the same for the spouse so we can double up on the $900 Can I do the same with a Joint and trip...
by Figuring_it_out
Sat Jan 25, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4470

Re: Sharing a Business Class Seat

Im a little different from you. I rarely do things like concerts, football games, cruises, long vacations, etc so when i do them, i go all out. Just being here means you will likely be or already are financially independent so an infrequent splurge wont dama ge that one bit. you already see the bene...
by Figuring_it_out
Sat Jan 25, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: charles schwab referral bonus
Replies: 8
Views: 1288

Re: charles schuab referral bonus

I never considered calling and asking about transfer bonuses. did you have referrals or just called and asked the CSR what kind of bonus they could offer for transferring $xx. in four accounts to schuab? was there any negotiation needed or was that the first offer? Im planning moves from broker to b...
by Figuring_it_out
Fri Jan 24, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: charles schwab referral bonus
Replies: 8
Views: 1288

Re: charles schuab referral bonus

did the offers back then have the same language as it does now.

how did you get over 1200 per account?
by Figuring_it_out
Fri Jan 24, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: charles schwab referral bonus
Replies: 8
Views: 1288

charles schwab referral bonus

https://www.schwab.com/public/schwab/nn ... spect.html

Has anyone received two bonuses. One for a taxable account and one for an IRA in the same name?

If so I could do this 4 times and get 2K in bonus. :D
by Figuring_it_out
Fri Jan 24, 2020 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge $900 preferred rewards brokerage bonus
Replies: 14
Views: 1768

Merrill Edge $900 preferred rewards brokerage bonus

There are a few long threads about this but I could not read a direct answer to my question so I thought I'd ask here. https://www.merrilledge.com/offers/900offer I have 200K of AGG (bond portion of my portfolio) available to transfer Merrill. It seems that if I use the promotion code 900ME at signu...
by Figuring_it_out
Thu Jan 16, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: what to do with old engineering text books
Replies: 72
Views: 5547

Re: what to do with old engineering text books

Pinch your nose, close your eyes and put them out on the curb. text books are a money making racket. College is about selling your books that will be worthless at the end of the semester. Every year a "new" book comes out on material that hasn't changed in 100 years. Ebooks are now the thing to save...
by Figuring_it_out
Thu Jan 16, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3420

Re: strong role model books for 8 YO girl

I would strongly suggest supplementing with video (TV, movies, etc) strong role models as well. If shes in school (especially public) where the other kids will have cell phones and plugged into youtube and other sources of video that perpetuate a very negative image of women. Cardi B, Nikki Menage, ...
by Figuring_it_out
Thu Dec 19, 2019 7:50 am
Forum: Personal Investments
Topic: Backdoor Roth IRA question
Replies: 18
Views: 1118

Re: Backdoor Roth IRA question

Wont any gains on the 6000 contribution be taxed?
by Figuring_it_out
Mon Dec 02, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Need Advice for Cheap Wireless Plans
Replies: 23
Views: 1929

Re: Need Advice for Cheap Wireless Plans

Willing to work for it? Do they have Xfinity internet (currently cheap at 25/month for 1 year) If so there is a deal for $250 off a new phone. You can pick one of the cheaper phones for sat $350. Then get a Chase Freedom unlimited which has a $200 cash back on 500 spent. You can get the phone at 350...
by Figuring_it_out
Wed Nov 27, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: 6 x 9 car speakers
Replies: 13
Views: 1134

Re: 6 x 9 car speakers

https://www.amazon.com/JBL-GTO939-Premi ... B00C76YXMQ


Do it once and be done with it. These are superb.
by Figuring_it_out
Mon Nov 25, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Mom's Diamond
Replies: 67
Views: 4905

Re: Mom's Diamond

I would find out why the appraisal is 40K? is it especially rare color or clarity? Is there any other "lineage" to the ring being pass down through the generations that links it to someone famous? If its a typical diamond ring, look on common ring outlets and find out what the selling prices are. 3c...
by Figuring_it_out
Sat Nov 16, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2792

Re: Tech guys need help with Mesh wifi booster...

I'd give the booster route a try again. ... Worth a try before going with the expense of a MESH. Many times its just the setup that is the problem with repeaters. I must admit it took a few youtube video watchings to figure mine out. but saved a couple hundred dollars. I say this with respect: ther...
by Figuring_it_out
Mon Nov 11, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2792

Re: Tech guys need help with Mesh wifi booster...

I'd give the booster route a try again. I have A TP-Link one at $30 from amazon. Don't get a cheapest one. Setup is easy but there are some tips. 1) follow the instructions slowly and carefully. 2) If the router is on one end of the house, put the repeater somewhere in the middle. Make sure the repe...
by Figuring_it_out
Sat Oct 19, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 898

Re: will tradng Slumberger (SLB) trigger foriegn taxes?

I'm trying to get a definitive answer on if that home base is Houston or Paris. if googled till my eyes are crossed and cant find an answer. maybe because it is a non-issue? So IF there is a foreign tax how does that work? If the dividend is supposed to be $10 to me and France withholds 25%, then I ...
by Figuring_it_out
Sat Oct 19, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 898

Re: will tradng Slumberger (SLB) trigger foriegn taxes?

Anyone own SLB stock and get dividends and had to deal with foreign taxes?

How difficult are foreign taxes on dividends to deal with?
by Figuring_it_out
Thu Oct 17, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 898

will tradng Slumberger (SLB) trigger foriegn taxes?

I have some play money and I want to trade SLB. My family is a long time oilpatch group so i understand the chaos of oil price volitility and its impact on the service providers. This is strictly non-bogle approved speculative trading so no beatings please. Im curious if i trade and generate profits...
by Figuring_it_out
Wed Oct 16, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 25
Views: 4568

Re: Chase "You Invest" account - Biggest complaint

Yes I'm not impressed. Once I get my $625 signup bonus+ min holding period I'm out of there. bare bones stock trading screen. Balance vs available balance is odd to see. You have to be on the trading screen to see what cash has cleared the 4 day hold the put on ACH transfers in. No calculator or liv...
by Figuring_it_out
Fri Sep 27, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10276

Re: Beyond Meat Burger? Do you like?

mix them 50/50 with soempink slime ground beef from the tube and douse them with salt and they taste like the resl thing.
by Figuring_it_out
Thu Sep 19, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 5663

Re: $2k repairs on $12K car

I looked at how I could cheap out on some of these things but you specifically said you did not want (you could do it cheaper) advice. That said the cheapout prices were not dramatically differnent that what you have here.

I'd say close your eyes and do it and be happy for another 60K miles.
by Figuring_it_out
Thu Sep 19, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Zinus Mattress - 8, 10, 12, or 14 Inch?
Replies: 9
Views: 1294

Re: Zinus Mattress - 8, 10, 12, or 14 Inch?

Do those still stink when you first open the package. I got a foam mattress from walmart a few years ago and it stunk for about 2 months. Constantly airing out the room with a box fan in the window.
by Figuring_it_out
Thu Sep 19, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8835

Re: How to handle "split-the-bill" group lunches?

If its infrequent (once a year) no biggie. Let the good times roll. If its frequent then a conversation needs to be had. Most people are so care free with money they don't realize they are jipping the lower cost eaters at the table. "Its just money...whateverrrrrr.." But think of it this way. If it ...
by Figuring_it_out
Tue Sep 17, 2019 6:21 am
Forum: Personal Investments
Topic: Annuity question
Replies: 19
Views: 1956

Re: Annuity question

Anyone have the details on a similar annuity that they got the detailed paperwork on? So you put the money in up front and it magically grows to double in 10 years. Then they give you 6% of that final amount for the rest of your life. This is the headline. I'm looking for the gottchas for the invest...
by Figuring_it_out
Mon Sep 16, 2019 8:51 pm
Forum: Personal Investments
Topic: Annuity question
Replies: 19
Views: 1956

Annuity question

I got pitched but an agent a fund that offered to take a $400k initial investment and grow it to $800K in 10 years. Then offered a 48K/year for life guarantee. I said NO out of hand, but now I'm wondering if I should have at least looked at it. I tried looked up annuities online and they don't give ...
by Figuring_it_out
Tue Aug 27, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)
Replies: 19
Views: 1990

Amex Money market just dropped to 1.9%

[Topic merged here -- mod oldcomputerguy] I was in the Amex money market at 2.1% for most of this year. It wasn't great but not bad either. Now that it has dropped to below 2% I'm looking for better places for safe money to hide out for the next year or two. I have PCOXX at TD ameritrade, FLOT and ...
by Figuring_it_out
Tue Aug 27, 2019 5:40 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8878

Re: How to help an employee who is in debt and requesting a loan

Dave would say you could get a serviceable care for less than 4000. It will be ugly as sin rust bucket and not good for cross country but will run to school and work just fine. Sounds fishy to me. My deal when someone ask me for money is they get a full blown personal finance review before it is giv...
by Figuring_it_out
Thu Aug 15, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 971

Re: Should I lower my life insurance policy amount?

Yes, You're in Houston which is one of the best cost of living cities in the US relative to the income levels available. Use that income to reduce your debts to ZERO. Dave Ransey is a good place to start if you are not familiar with him. Once your debts are wiped out all of your income can be used t...
by Figuring_it_out
Sun Aug 04, 2019 10:26 pm
Forum: Personal Investments
Topic: Help in choosing my Bond Fund for my asset allocation.
Replies: 18
Views: 1762

Re: Help in choosing my Bond Fund for my asset allocation.

dont know about them but im in AGG and FLOT now. the nav on agg moves more but flot currently dumps 2.8%. agg 2.7%
by Figuring_it_out
Sun Jul 21, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 20
Views: 1930

Re: HSBC checking bonus

I have questions about the same bonus plan. Can the 5K/month come from another banks billpay plan. This works for the USAA 2.5% card that requires a 1000/month "direct deposit" into the USAA checking. As long as you push money into the bank they count it.
by Figuring_it_out
Sun Jul 07, 2019 6:33 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 4635

Re: VTI vs VTSAX

LGLV is another option at TD Ameritrade. Comission free investing. long term chart looks good.

I own it and SPTM. LGLV should be less volitile if the market takes a small correction.
by Figuring_it_out
Sat Jun 01, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: CD/bond with capital appreciation keep or sell calculator
Replies: 1
Views: 139

CD/bond with capital appreciation keep or sell calculator

i have some new issues cds and bonds that i bought at the peek of interst rates. they sre up 3% for the year aldeady, i remeber seeing a calculator that showed the tradeoff of keeping the cd or selling it and buying a current market interest one to see what the gain loss is. i think it worked the ot...
by Figuring_it_out
Sat May 25, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Stock tracker app recomendations for android
Replies: 3
Views: 296

Stock tracker app recomendations for android

Im currently using yahoo finance but they have lots of ads that burn up data. Im on a 1gig plan and they app is consuming 100meg/month. This seems high to me. Looking for good app with no ads (one time payment not subscriotion model). Found a few i liked but they require monthly or annual payments. ...
by Figuring_it_out
Sat May 18, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Multi owner property sale with missing owners
Replies: 12
Views: 1601

Re: Multi owner property sale with missing owners

This person may be aminable to sell their portion of the house to the 5. This means they get their portion now vs later when the house sells. How is something like this officially done.
by Figuring_it_out
Sat May 18, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 20548

Re: High net worth, elite private or “good” public

I'm in a similar situation and I choose my kids to go the public school. I am very involved with the teaching process for the kids so their education is not completely "outsourced." good refresher for me as well and while I'm learning those "stupid" vocabulary words, I'm also teaching them my tricks...
by Figuring_it_out
Fri May 17, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Multi owner property sale with missing owners
Replies: 12
Views: 1601

Multi owner property sale with missing owners

My family owns a property in Louisiana that has 6 owners. Each owns equal share of the property (inheritance). The property has a house on it and is valued at ~400k. One of the owners is hostile with the other 5 and refusing to sell simply to be a pain. :/ The other 5 are in agreement to sell. Can t...
by Figuring_it_out
Fri May 17, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paper EE savings bonds adding a POD
Replies: 2
Views: 361

Paper EE savings bonds adding a POD

I have some EE savings bonds with no POD. They will expire in the next 5-10 years from now and i would like to list my niece as the POD beneficiary just in case. This avoids probate getting in the way of these bonds. The total is ~$20k I would sell them but there are many that are making rates bette...
by Figuring_it_out
Fri May 03, 2019 6:09 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 7074

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

My engineering professor said. “In anything a plan is essential but often useless” Didn’t understand that until later in life. What a projection did for me was to show me a pretty “what if” scenario. It one of many outcomes but one nonetheless. When you get tired of saving so much you cal look to th...
by Figuring_it_out
Thu May 02, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5779

Re: Car shopping advice (sanity check)

Thanks for the feedback. You pretty much read me well. I am in my 20's still saving, only been working 2 years. Well, I don't plan on taking out a loan... you mentioned a 1 year bank loan -- is this advisable if I can pay it off in cash ? Also, like I mentioned, I currently won't use the car much a...
by Figuring_it_out
Wed May 01, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1525
Views: 392592

Re: Share your net worth progression

2006 550k 2008 550K 2010 900K 2012 1.1M 2014 1.5M 2016 1.9M 2018 2.3M now 2.5M House is 200K, Cars are kept well over 10 years and well maintained by myself. 2 kids under 14. Total W2 income is ~ 200K and has grown at ~ 3%/year no big job changes or raises. I shift between 70/30 (stock/bond) and 40/...