Search found 21 matches

by OCDinvestor
Mon Sep 16, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: MintMobile... GSM vs. CDMA
Replies: 5
Views: 431

MintMobile... GSM vs. CDMA

I currently have Verizon Wireless and use an iPhone 7 Plus. It seems VW uses CDMA. On the MintMobile website on sign up, it says I can bring my GSM phone.

Does this mean my unlocked phone will not work on Mint Mobile? Tech people, help!
by OCDinvestor
Sat Sep 14, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 49
Views: 4792

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I pay $59 with taxes and fees for a “postpaid” 4 GB plan, including phone line fee. The actual phone is owned outright.

If I were to switch to $35 prepaid plan, will my university discount work to bring it down any further?

Are there any hidden fees or taxes on these $35 prepaid plans?
by OCDinvestor
Wed Sep 11, 2019 1:31 pm
Forum: Personal Investments
Topic: In-plan Roth 403(b) rollover from after-tax contribution
Replies: 1
Views: 120

In-plan Roth 403(b) rollover from after-tax contribution

My retirement plan allows after-tax contributions after I max out the pre-tax employee contribution. They also allow us to do in-plan Roth conversions, including of this after-tax money, for which the only taxable amount would be the earnings that accumulated since contributing. Is this essentially ...
by OCDinvestor
Sat Sep 07, 2019 9:32 pm
Forum: Personal Investments
Topic: After-tax 403(b) vs. taxable
Replies: 2
Views: 336

After-tax 403(b) vs. taxable

Trying to understand the tax ramifications of after-tax 403b contributions above and beyond the $19K employee limit. My understanding: Pre-tax contribution- principle and earnings will ALL be taxed later at income tax bracket My understanding: Post-tax (Roth) contribution- principle taxed at income ...
by OCDinvestor
Wed Aug 28, 2019 9:11 am
Forum: Personal Investments
Topic: Requesting graph: stock:bond AA over time
Replies: 4
Views: 352

Requesting graph: stock:bond AA over time

Looking for a graph/picture which shows: X axis: Time-- maybe last 20-30 years Y-axis: Portfolio value Various lines of 100:0, 90:10, 80:20, etc. Basically, looking to show that increasing bond allocation smooths the peaks and troughs, but ends with a lower overall value. This is for an educational ...
by OCDinvestor
Tue Aug 13, 2019 10:03 am
Forum: Personal Investments
Topic: i401k on side hustle and w2 403(b) will exceed 56k accumulative. Ok? Also, math help please
Replies: 24
Views: 1296

Re: i401k on side hustle and w2 403(b) will exceed 56k accumulative. Ok? Also, math help please

"This is not necessarily true. The defined contribution annual addition limit (2019 = $56K) is separate for each "unaffiliated" employer. If the OP had a 401k and was not in a controlled or affiliated service group, then they would have a separate annual addition limit for their owner-only retiremen...
by OCDinvestor
Fri Aug 09, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: FA's outperforming market, need stats
Replies: 6
Views: 677

FA's outperforming market, need stats

Making a financial literacy PPT. Would like some of the commonly thrown around statistics about FA performance relative to the market.

___ underperform over 10 years, ___ underperform over 30 years, fees, etc.

I've seen them, but don't recall where.
by OCDinvestor
Wed Jul 31, 2019 9:54 am
Forum: Personal Investments
Topic: 30 yr 4.5% jumbo refinance—> two conforming loans
Replies: 2
Views: 293

30 yr 4.5% jumbo refinance—> two conforming loans

Home purchase in February 2017 Credit scores: Both ~800 Current home value: 850k LTV: ~76% Current mortgage: Jumbo 4.5% fixed 30 year Been paying $900 extra toward principle each month Looking to refinance to lower rate AND switch to a 15 year fixed. Been offered a few options by lenders: 3.375% fix...
by OCDinvestor
Tue Jul 30, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Storing documents--- trust, will, etc.
Replies: 22
Views: 1942

Storing documents--- trust, will, etc.

Copy of the trust, will, POA, health POA kept with attorney's office. 1.) Should I also give a copy to a family member or selected guardian of our minors? 2.) Store at home or elsewhere? 3.) Any good recommendations for fire and water-proof document-type safe to use? 4.) Where in house is the best p...
by OCDinvestor
Sat Jul 27, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA
Replies: 8
Views: 573

Dependent care FSA

We will be hiring a nanny to take care of our young baby, who will care for him at my wife business-- she's a W2 employee. Through my W2 employer, I have the option of a dependent care FSA. How does this work with respect to a nanny who we are planning to pay off the books? Can we pay off the books ...
by OCDinvestor
Fri Jul 26, 2019 10:12 pm
Forum: Personal Investments
Topic: Two jobs, W4 allowances and the top tax bracket
Replies: 7
Views: 685

Re: Two jobs, W4 allowances and the top tax bracket

This is going to be tricky. If you were getting a consistent paycheck, you could choose S 0 and then add X dollars to be withheld per pay period. But I am guessing each paycheck could be for a very different amount. Have you considered using the safe harbor rules for withholding and then setting as...
by OCDinvestor
Thu Jul 25, 2019 9:47 pm
Forum: Personal Investments
Topic: Two jobs, W4 allowances and the top tax bracket
Replies: 7
Views: 685

Two jobs, W4 allowances and the top tax bracket

Job A: W2 employee, $500K annual salary (less $19K in 401k) Job B: W2 employee side gig, per diem shifts. How can I fill out the W4 to account for Job A? How do I get Job B W4 to withhold every single dollar paid at the highest federal tax bracket? If I do single and 0 allowances, it still won’t wit...
by OCDinvestor
Thu Jul 25, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 843

Audible audio books

How the heck does Audible, an Amazon company not allow in-app purchases on your phone?

How do you purchase a book? On a desktop!?
by OCDinvestor
Wed Jul 24, 2019 2:48 pm
Forum: Personal Investments
Topic: Teenage Son Wants to Start Investing
Replies: 27
Views: 1636

Re: Teenage Son Wants to Start Investing

Don't forget to teach him about taking credit on taxes for his IRA contribution. He may actually get some $$$ back. I'm trying to learn this stuff myself... I'm assuming the OP would want his child to contribute to a Roth IRA given his low current tax bracket. So how would he be able to get a credi...
by OCDinvestor
Wed Jul 24, 2019 9:21 am
Forum: Personal Investments
Topic: Solo401k contribution
Replies: 2
Views: 188

Solo401k contribution

https://obliviousinvestor.com/solo-401k-contribution-calculator/ Using the above calculator to determine the maximum contribution into my Solo401k for my side gig- structured as a sole proprietorship. 1.) In the above calculator, in the "Profit from Business line"-- Stupid question, but talk to me l...
by OCDinvestor
Wed Jul 24, 2019 7:41 am
Forum: Personal Investments
Topic: Student, New investor, Sizeable UTMA inherited, Need advice
Replies: 12
Views: 1041

Re: Student, New investor, Sizeable UTMA inherited, Need advice

Where is my logic flawed? With $0 salary as a student, would this put OP in 0% LTCG? With this, I thought OP could reset ALL cost basis and sell, them re-buy the funds with $0 tax implication. Looking to further my understanding and see where I need to improve my financial education. Thank you in ad...
by OCDinvestor
Sun Jul 21, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4705
Views: 1207428

Re: What Movie Have You Recently Watched?

Philadelphia... one of Tom Hank’s most underrated movies. Free on Amazon Prime TV app.

Top 5 best Tom Hanks movies of all time... ? Anyone?
by OCDinvestor
Tue Jun 18, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4139

Re: Subaru Ascent vs Toyota Highlander...

DW wants to move up to three row SUV to haul around grandkids. Love the Ascent but dealership 60 miles from home and Toyota dealerships 15 miles from home. Any thoughts here? Have you tried sitting in the third row of the Highlander? It’s a joke of a third row. My wife has Ascent and we love it.
by OCDinvestor
Mon May 27, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 719

Re: Drinking water systems

Anyone really happy with any particular water filtering systems like Aquasana, Vertex or APEC? RO or countertop. APEC Top Tier 5-Stage Ultra Safe Reverse Osmosis Drinking Water Filter System (ESSENCE ROES-50) https://www.amazon.com/dp/B00I0ZGOZM/ref=cm_sw_r_cp_api_i_y5k7CbX9R1ZGA Love it. Great tas...
by OCDinvestor
Thu May 09, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-existing condition + insurance in retirement
Replies: 13
Views: 1446

Re: Pre-existing condition + insurance in retirement

Thanks for the replies. As my username implies, I’m quite OCD and retirement is realistically still 20-25 years down the road. Just always worrying! However if there is significant issues with obtaining secondary insurance once Medicare kicks in, it would change my estimated nest egg req’t. Which wo...
by OCDinvestor
Thu May 09, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-existing condition + insurance in retirement
Replies: 13
Views: 1446

Pre-existing condition + insurance in retirement

Long time stalker, first time BH poster! I'm an employee in the beginning of my career and am fortunate to be given very good group health insurance. We've talked about one day perhaps retiring in our 50's, given our aggressive saving habits and travel interests. I do have a pre-existing health cond...