Search found 70 matches

by DEBTINATOR
Fri Feb 02, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Hourly, over the phone investing help
Replies: 15
Views: 920

Re: Hourly, over the phone investing help

Hey Thenewguy. I have a slightly different point of view that most on this forum as I believe that a segment of the marketplace does have a need for a financial planner. Since you're looking for hourly planning, you are already looking for a "fee-only" planner. Stay clear of the life insurance sales...
by DEBTINATOR
Thu Oct 12, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 2084

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

I received the same phone call and offer yesterday. Didn't have time to find out the details and I've got funds tied up at TD Ameritrade.

Curious to know some of the terms and conditions and offer end date though.
by DEBTINATOR
Fri May 01, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Baby Step 8
Replies: 20
Views: 3360

Re: Baby Step 8

First off, congratulations! I've made my way through a few baby steps as well. If your total portfolio is mid 5 figures (let's assume 50k), can you clarify what % is in your 401(k), Roth IRA and available for taxable? Also, are you already maxing out the 401(k) this year, or is there additional room...
by DEBTINATOR
Mon Apr 27, 2015 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Report for single 30 y/o
Replies: 2
Views: 773

Re: Investment Report for single 30 y/o

Questions: 1. Overall, how does it look? 2. What should my plan be with the individual stocks. I refrained from selling AET and ANTM through 2014 which has been a boon for me, but I know I need to sell at some point. I do not need to money now so should I sell now and reinvest into an index fund or...
by DEBTINATOR
Thu Apr 02, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for me???
Replies: 23
Views: 45475

Re: Best credit card for me???

had the Priceline card for a few years A note to those of you recommending the Citi simplicity for 2% cash back. Until about a year ago, the Priceline card (and those grandfathered) is 2% also. That card is now significantly better than the AMEX and Citi card. To the OP: If I can assume you prefer ...
by DEBTINATOR
Tue Mar 31, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 4195

Re: Honeymoon Ideas

Just got back from my honeymoon. We went to cancun and spent half the time at the Ritz and half at the all inclusive Hyatt Zilara. If you play the credit card game right you could probably stay at the Hyatt for near free. Husband and wife apps to a chase sapphire and hyatt card should do it. It's my...
by DEBTINATOR
Sat Mar 14, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Friend Leased A Car With Free Maintenance Now Dealer Gone
Replies: 9
Views: 2115

Re: Friend Leased A Car With Free Maintenance Now Dealer Gon

Is there another Kia dealer nearby? It may be a Kia backed program that another dealer will accept.

This was how Subaru's plan worked for us.
by DEBTINATOR
Thu Mar 12, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 18168

Re: $600 night guard for teeth grinding, really?

I had one made custom. It's A LOT smaller than the OTC one, but I still struggle w/ the size. No way I would use the OTC one. I saw 2 dentists, there is a huge variance in price with these. First one was $300 bucks. Second dentist presented 2 options for $60 and $200 dollars. If you need guard, I'd ...
by DEBTINATOR
Wed Oct 22, 2014 7:27 am
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 7155

Re: iPad Air 2 - 16 or 64 Gig?

One thing to consider. The operating system keeps getting larger. There is less of the 16 GB free to you for your apps than before. I had trouble installing ios8 on my phone for this very reason. With the increasing camera quality those pictures keep getting bigger!
by DEBTINATOR
Wed Sep 24, 2014 11:54 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 22310

Re: Let's hear your Dave Ramsey success stories

Here's an old thread from 2011. About three years ago I was 60k in debt on a 60k income. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=84506 By most measures I'm someone of above avg intelligence, but was in denial about my finances for a long time. I can think of many excuses: parents, wealth...
by DEBTINATOR
Mon Sep 15, 2014 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 2151

Re: Help with a large business decision

Are you willing to lay off 3 people as the new machine will allow? What is the amount gained from doing so?
by DEBTINATOR
Tue Sep 09, 2014 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Setting up a New Profit Sharing 401(k). Need Advice.
Replies: 7
Views: 506

Re: Setting up a New Profit Sharing 401(k). Need Advice.

niceguy7376 wrote:I understood that IF he rolls into Trad IRA, backdoor Roth cannot be used.

What about the two backdoor roths that was mentioned?
probably the same two backdoor roths most people on this forum do (w/ a spouse) 2x 5,500 - just an assumption
by DEBTINATOR
Tue Sep 09, 2014 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Setting up a New Profit Sharing 401(k). Need Advice.
Replies: 7
Views: 506

Re: Setting up a New Profit Sharing 401(k). Need Advice.

I might be missing something and I am definitely not an expert, BUT, how does rolling a trad 401k into Roth IRA matter in terms of Backdoor Roth? What is it about two backdoor Roths that you are talking about? are those two just for you or are you talking about one for you and one for spouse? If he...
by DEBTINATOR
Tue Sep 09, 2014 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Setting up a New Profit Sharing 401(k). Need Advice.
Replies: 7
Views: 506

Re: Setting up a New Profit Sharing 401(k). Need Advice.

for a premium of 0.29% annually I'd just use spartan funds. Then roll it over once when you are done w/ this plan.
by DEBTINATOR
Thu Aug 21, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 686

Re: Quitting HDHP mid-year - effect on HSA funding

Unfortunately I only have $7000 in there now, soon to be closer to $10000. In my world of math $7000 is more than $5000, so I don't understand the issue. 1.5% on $5000 is not too shabby nowadays. (0.2% interest paid on $5K, but only 0.1% on $4,925). What is your emergency fund invested in? Are you ...
by DEBTINATOR
Thu Aug 21, 2014 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 686

Re: Quitting HDHP mid-year - effect on HSA funding

Unfortunately I only have $7000 in there now, soon to be closer to $10000. Based on my math the fees would total $66. $66 for not having 4925 invested. Basically a return of 1.3% on my money (1.4% if you include the .1% they give you). I think long term the 75/25 allocation will outpace this so I le...
by DEBTINATOR
Thu Aug 21, 2014 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 686

Re: Quitting HDHP mid-year - effect on HSA funding

One can certainly contribute the pro-rated amount for the year, but not more. Be careful to include any employer contributions in the total amount contributed. For instance, some employers put $1000 or $500 or $$ into one's HSA even if one does not contribute to the HSA. That employer contribution ...
by DEBTINATOR
Thu Aug 21, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 686

Re: Quitting HDHP mid-year - effect on HSA funding

I think I may have answered my own question and that my first thought was correct.

The answer appears to reside in the instructions for form 8889.

http://www.irs.gov/pub/irs-pdf/i8889.pdf
by DEBTINATOR
Thu Aug 21, 2014 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 686

Quitting HDHP mid-year - effect on HSA funding

My fiancee is able to provide me with free healthcare through her domestic partner program at work (yay!). It is a normal plan, and a high deductible plan is not available. I've been on a HDHP for 2.xx years. Is my assumption correct that my contribution for this year is expressed as a percentage of...
by DEBTINATOR
Wed Aug 20, 2014 12:53 pm
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 19
Views: 4968

Re: Jewelry Insurance - Engagement Ring

I picked one up for emotional reasons more than financial. The fiance is somewhat clumsy and can loose/break things a lot more than the average bear. I didn't want her to have the guilt if something happened to it, that it would xxx to replace it. Not entirely logical but I think it works for us. No...
by DEBTINATOR
Tue Feb 04, 2014 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is Consumer Banking permanently broken?
Replies: 29
Views: 2429

Re: Is Consumer Banking permanently broken?

My checking accounts pay 3% and 1.76% on up to 15k and 25k, respectively. Good enough for me
by DEBTINATOR
Mon Jan 27, 2014 8:33 am
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 2584

Re: buying latex mattress online

You mean Foam Factory, with the url foambymail.com? Yes, I have. I love it. It's my first latex mattress, but it's the most comfortable bed I've ever owned. Even if it turns out to not be 100% the best latex mattress ever produced, it was well worth the cost for the years I've had it. I did a rigid...
by DEBTINATOR
Fri Jan 24, 2014 12:09 am
Forum: Personal Finance (Not Investing)
Topic: POLL: What Percentage of Your Retirement Portfolio is Roth?
Replies: 42
Views: 3778

Re: POLL: What Percentage of Your Retirement Portfolio is Ro

I keep wondering if I am too heavily vested in Roth's. I've been maxing my Roth IRA for 10 years, and I switched my 401k over to a roth a few years ago, as soon as my employer offered it. I'm 34 years old, wife is 30 and we are currently in the 25% tax bracket. I obviously have no idea where the ta...
by DEBTINATOR
Tue Jan 21, 2014 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 77
Views: 11673

Re: Evaluate my finances. Young guy.

I did an analysis and it would have to take the stock market to drop 50% or more to wipe me out. And it would have to happen in less than a year (because I can save $20K a year) If the stock market indeed dropped that much in a year, then something major is going on, like world war or something whi...
by DEBTINATOR
Tue Jan 21, 2014 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 77
Views: 11673

Re: Evaluate my finances. Young guy.

It seems odd to be investing money that you owe to a close relative. I would repay the debt immediately. Also investing with credit cards or balance transfers is not likely to be recommended here. You did well investing with debt, it was risky and paid off. Why not be debt free now and ahead 100k in...
by DEBTINATOR
Mon Jan 20, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 4960

Re: Best Comfort and Best Workout Clothes

For TRAVEL workout clothes: Smartwool products are awesome, they don't stink. They are also great socks for winter climates. For COMFORT: I hate to admit it but Lulu lemon clothes are top of the line here. I really really wish they weren't, they are ungodly expensive. They are not great for running ...
by DEBTINATOR
Mon Jan 20, 2014 3:09 pm
Forum: Investing - Theory, News & General
Topic: Possible to avoid state tax through 529 contributions?
Replies: 5
Views: 1144

Possible to avoid state tax through 529 contributions?

I recently came to understand that in many states you can contribute to a 529 and withdraw it somewhat immediately for an educational expense and still obtain the state tax deduction/credit. Basically a pass through. This works for qualified distributions. How about for non-qualified distributions. ...
by DEBTINATOR
Tue Dec 31, 2013 3:10 pm
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 3589

Re: New car now?

You sound quite reasonable, I'd get the new car. But buying a new car with < 1 day of shopping will not get you the best deal.
by DEBTINATOR
Mon Dec 30, 2013 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Weds Part 2: Basic retirement and savings question
Replies: 5
Views: 711

Re: Newly Weds Part 2: Basic retirement and savings question

You're pretty close, I'd suggest this route:
1. 401k til match (you)
2. Roth til max for both of you
3a. 401k til max depending on who has better fund options or
3b. If specific savings in mind like a home down payment consider this
4 other like 529, etc
by DEBTINATOR
Sun Dec 15, 2013 11:57 am
Forum: Investing - Theory, News & General
Topic: New Wiki page: Passively managing individual stocks
Replies: 26
Views: 2509

Re: New Wiki page: Passively managing individual stocks

This is an interesting and thoughtful page. Thank you for taking the time to do this. I have some experience with this type of portfolio, having tried something similar with micro-cap value stocks a few years ago. (Given the deficiencies of micro-cap value funds, I decided to buy about 200 individu...
by DEBTINATOR
Tue Dec 03, 2013 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Taxable Account...
Replies: 5
Views: 773

Re: Suggestions for Taxable Account...

If you want bonds maybe hold 2040 in the 401k and do 70% TSM in taxable
by DEBTINATOR
Tue Nov 26, 2013 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Down CC & Establishing Emergency Fund
Replies: 14
Views: 1100

Re: Paying Down CC & Establishing Emergency Fund

3) Establish 6 month emergency fund (estimated: $60k) Currently, I have about $120k in retirement savings and each month I put 16% of my pay into retirement accounts: I know a lot of people also like to make comments about lowering monthly expenses, living within means, etc. I copied these pieces o...
by DEBTINATOR
Tue Sep 17, 2013 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance problems
Replies: 7
Views: 640

Re: Disability Insurance problems

The post states that "total compensation" is $150k, but what is the extra $75k made up from? Benefits aren't going to count towards income unless they are employer-paid retirement contributions. If this is money from a bonus/performance pay, is this consistent every year for the past 2+ years? Base...
by DEBTINATOR
Tue Sep 17, 2013 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance problems
Replies: 7
Views: 640

Re: Disability Insurance problems

Just curious. For how long does "own occ" last? Age 65? Two years? Forty or more years ago companies were moving away from GR and long "own occ" provisions, Or so I thought. The own occ is for the full duration. I did see other policies that had a two-year period though. There is a two year period ...
by DEBTINATOR
Tue Sep 17, 2013 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance problems
Replies: 7
Views: 640

Re: Disability Insurance problems

Go to a new agent and see what they can find for you. Guardian is not the only group offering a true own-occ policy. If the new agent can only match the coverage amounts and policy offered by agent one, select that for now from agent #1. If agent #2 finds you something better, go with it. Who pays ...
by DEBTINATOR
Tue Sep 17, 2013 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance problems
Replies: 7
Views: 640

Disability Insurance problems

Background information: Base pay: 75k Total compensation: 150k History of salary: ~1-1.5 year(s) Company Accidental Death and Disability Policy: 60% of base pay (75k) for up to 2 years, with 90 day elimination period I worked through a Northwestern Mutual broker to get a policy with Guardian. I want...
by DEBTINATOR
Thu Aug 08, 2013 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Cash Rewards Credit Cards
Replies: 76
Views: 154994

Re: Cash Rewards Credit Cards

I don't think anyone has mentioned the Barclay's Arrival card. It is a new variant From Barclays, similar to the priceline 2%. The differences: 1. 89 dollar annual fee 2. 400 signup bonus (4.xx years of fees) 3. redemption method is the same as priceline, BUT if you redeem for non-travel expenses it...
by DEBTINATOR
Fri Apr 19, 2013 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Future Divorce
Replies: 41
Views: 5125

Re: Future Divorce

His 145 + Her 30k is like 180k. Maybe he just left out living circumstances in the new post.
by DEBTINATOR
Sat Apr 13, 2013 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Legally Mine [Asset Protection Law Firm]
Replies: 35
Views: 12188

Re: Legally Mine [Asset Protection Law Firm]

Umbrella policies do not protect your securities in a taxable account. I dont quite fully understand estate law and concepts yet, but I thought that was the whole point of an umbrella policy. For example, you have auto insurance that protects you up to the first 300k of an incident. If there are da...
by DEBTINATOR
Sun Apr 07, 2013 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Accidentally converted to 2013 ROTH IRA - rechar + convert?
Replies: 7
Views: 1292

Re: Accidentally converted to 2013 ROTH IRA - rechar + conve

When you recharacterize you have to recharacterize the original contribution and any gains. So when you ask the custodian to recharacterize your $1100 contribution they will move the $1200 current value to a traditional IRA. When you convert the tIRA back to a Roth you will pay tax on the $100 gain...
by DEBTINATOR
Sun Apr 07, 2013 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Accidentally converted to 2013 ROTH IRA - rechar + convert?
Replies: 7
Views: 1292

Re: Accidentally converted to 2013 ROTH IRA - rechar + conve

Is this wrong, can you DCA over the year and convert at the end of the year? You can contribute and/or convert as many times as you want. So DCA over the year and then converting is fine. Doing a lump sum and then converting will reduce the chance of there being any gains while the money is in the ...
by DEBTINATOR
Sun Apr 07, 2013 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Accidentally converted to 2013 ROTH IRA - rechar + convert?
Replies: 7
Views: 1292

Accidentally converted to 2013 ROTH IRA - rechar + convert?

Hi all, I was so excited to have enough money to start dollar cost averaging my Roth IRA for 2013 that I started contributing in March 550/month. So far I've contributed 1100 out of 5500 into a Roth IRA. I forgot completely about the income restrictions... My retirement accounts are: 1. 401(k) with ...
by DEBTINATOR
Fri Jan 11, 2013 6:37 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance?
Replies: 15
Views: 1705

Re: What to do with inheritance?

Running the napkin math on the student loans, and assuming he is a doctor and will qualify for IBR and the 10-year forgiveness: 9 * 600 * 12 = 64,800. The interest rates are irrelevant if they are going to forgive 90k of it just because of making payments for 9 years. Is ALL of the 150K eligible for...
by DEBTINATOR
Fri Jan 11, 2013 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Fund HSA or pay off CCs?
Replies: 13
Views: 1585

Re: Fund HSA or pay off CCs?

Since you only earned 18k last year, you will get a relatively small, likely 0 benefit up front from the HSA. There are 3 advantages of an HSA: 1. Tax break on the contribution (your income last year will negate this) 2. Tax deferred growth (this also likely won't apply as you currently do not have ...
by DEBTINATOR
Sat Jan 05, 2013 8:36 pm
Forum: Personal Consumer Issues
Topic: H & R Block Tax Software on sale
Replies: 30
Views: 5148

Re: H & R Block Tax Software on sale

Anyone know how much this would cost me if I end up needing to file in 2 states?
by DEBTINATOR
Tue Dec 25, 2012 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Worst rewards card ever?
Replies: 11
Views: 2646

Re: Worst rewards card ever?

That's pretty ruthless.
by DEBTINATOR
Fri Nov 16, 2012 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: What is my HSA eligiblity?
Replies: 4
Views: 560

Re: What is my HSA eligiblity?

Thank you Spirit Rider! That is exactly what I was wondering. Unfortunately I can't do the HSA with my company because I opted out of their insurance policy (they wanted 450/month for HDHP). I think I will also hit the SS cap in 2013 so hopefully it won't matter quite as much. If anyone has any feed...
by DEBTINATOR
Fri Nov 16, 2012 11:48 am
Forum: Investing - Help with Personal Investments
Topic: What is my HSA eligiblity?
Replies: 4
Views: 560

What is my HSA eligiblity?

Hi all, I created a separate thread with significantly more background information. See here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=105275 I had a low number of responses (for my HSA questions) so I thought I'd create a separate thread for it. I started an independent HDHP plan June 1,...
by DEBTINATOR
Sat Nov 10, 2012 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account questions and HSA first timer!
Replies: 8
Views: 748

Re: Retirement Account questions and HSA first timer!

If you begin an qualified HDHP mid-year, you can contribute up to the annual limit provided you maintain the HDHP through Dec 31 of the following year. Therefore, you can contribute the full $3100 for 2012. However, if you leave your job and no longer have a HDHP before Dec 31, 2013, you would be s...
by DEBTINATOR
Sat Nov 10, 2012 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account questions and HSA first timer!
Replies: 8
Views: 748

Re: Retirement Account questions and HSA first timer!

We have HSAbank but it's through my employer so I'm not sure what the fees would be like for you. Your employer doesn't offer any funds toward the HSA? My employer is great at paying its employees, but benefits are another story. They offered an HSA if you purchased their HDHP at ~550/month. I went...