Search found 26 matches

by evad
Tue Apr 06, 2021 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Nationwide Title Clearing - Is this a scam?
Replies: 8
Views: 877

Re: Letter from Nationwide Title Clearing - Is this a scam?

I too see that I received a letter from Nationwide Title Clearing on my mail scan earlier this week. I just completed a refinance in March. I’m traveling for a few days so I’m unable to open it.
by evad
Sat Jun 27, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Repairing a hole in plastic kiddie pool
Replies: 26
Views: 1700

Re: Repairing a hole in plastic kiddie pool

The kids thought it would be cool if the dog jumped in within hours of purchasing. Her claw tore a small hole in the top, my wife was beyond upset. I just placed a small piece of electrical tape over the hole until I can do a more permanent fix. To my surprise it has held up from multiple refills an...
by evad
Fri Feb 16, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178850

Re: What frugal thing did you do today?

I always buy my summer cloths at the end of summer and winter cloths at the end of winter. I always look poor when I go shopping. Sometimes I get a big discount. I went to a restaurant while I was traveling and someone tried to slip me a $5. Said his wife felt sorry for me. When I left I paid there...
by evad
Fri Feb 16, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: App for contacts
Replies: 4
Views: 747

Re: App for contacts

I’ve struggled with this as well after moving to a new part of the country. While I am a Apple user it sounds like I would benefit from the tag feature of Android. If often thought of building an apple app.
by evad
Sun Oct 15, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 6773

Re: I need a better online checking w billpay and mobile check deposit

There are two requirements I would like to leverage. The ability to auto bill pay electronic bills on the due date and to pay the full amount owed (not just the minimum balance). Does this exist? There are some credit cards I have been unable to even receive electronic bills into the bill pay syste...
by evad
Thu Oct 12, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 6773

Re: I need a better online checking w billpay and mobile check deposit

There are two requirements I would like to leverage. The ability to auto bill pay electronic bills on the due date and to pay the full amount owed (not just the minimum balance). Does this exist? There are some credit cards I have been unable to even receive electronic bills into the bill pay system...
by evad
Mon Jul 03, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: finding lost bonds
Replies: 3
Views: 1247

Re: finding lost bonds

Anyone have any insight into why the Treasury Hunt application is down, and when it may return?
by evad
Thu Jun 08, 2017 3:31 pm
Forum: Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 2506

Re: My 401k Fees

This reminded me of the website https://www.brightscope.com to critique 401k plans. I can't speak the the validity of the data beyond my company's plan.
by evad
Wed Apr 05, 2017 4:43 pm
Forum: Personal Investments
Topic: Roth IRA Recharacterization, Conversion back to Roth IRA, Tax and 2017 Backdoor Roth Impacts
Replies: 4
Views: 684

Roth IRA Recharacterization, Conversion back to Roth IRA, Tax and 2017 Backdoor Roth Impacts

I contributed monthly to a Roth IRA during 2016 for both myself and my spouse. In Q4 of 2016 I realized I may be near the MAGI limit and stopped the monthly contributions. I took the following steps (for each Roth IRA) to reacharacterize the contribution and execute an eventual backdoor Roth IRA: - ...
by evad
Sun Oct 23, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Modest inheritance for child; can we deduct if invested in 529?
Replies: 4
Views: 661

Re: Modest inheritance for child; can we deduct if invested in 527?

I'm not familiar with a 527 plan, do you mean 529 plan?
by evad
Thu May 05, 2016 3:29 pm
Forum: Personal Investments
Topic: Mango Money - Worried about Direct Deposit
Replies: 21
Views: 5395

Re: Mango Money - Worried about Direct Deposit

I have the same problem with Alliant going to Mango. I waited a over a week. Alliant finally removed the trial transfer account link. I kicked off a fresh new trail transfer two days ago. We shall see.
by evad
Sun Nov 15, 2015 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 12285

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

Am I missing something? You mention living paycheck to paycheck, use the $600k towards your living expenses. Defer all your and husbands income towards Roth IRAs, 401ks, and Roth 401ks. You are effectively moving the $600k towards retirement accounts. You will probably have to give up some control a...
by evad
Wed Nov 11, 2015 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Define Wealthy ..How to ?
Replies: 42
Views: 5769

Re: Define Wealthy ..How to ?

Swampy, are those stats from '86 or '96?
by evad
Thu Oct 08, 2015 4:09 pm
Forum: Personal Investments
Topic: Buy House in Cash or Mortgage?
Replies: 52
Views: 4337

Re: Buy House in Cash or Mortgage?

In the case of a temptation of "gambling" as you say, I suggest pay cash for the house.
by evad
Sat Jan 31, 2015 10:22 am
Forum: Personal Investments
Topic: Portfolio Year in Review / Books Open for Feedback
Replies: 6
Views: 1061

Re: Portfolio Year in Review / Books Open for Feedback

@lafder - thanks for the advice. I don't recall exactly where I found the guidance, but I believe it was on bogleheads for someone who wanted a little more diversity in their portfolio beyond the typical 3 or 4 fund to break bond funds and international into two categories as well as splitting out s...
by evad
Mon Jan 26, 2015 7:22 pm
Forum: Personal Investments
Topic: Portfolio Year in Review / Books Open for Feedback
Replies: 6
Views: 1061

Re: Portfolio Year in Review / Books Open for Feedback

@bdpb - Thanks for the feedback, I appreciate it. I'm sorry but I don't know what you mean by leaning a little more towards "SC". In regards to moving towards Spartan Index Funds in Her 401k is that due to the lower expenses? @Grt2bOutdoors - True about the bonds being taxable upon full ma...
by evad
Sun Jan 25, 2015 3:40 pm
Forum: Personal Investments
Topic: Portfolio Year in Review / Books Open for Feedback
Replies: 6
Views: 1061

Portfolio Year in Review / Books Open for Feedback

Since I manage my portfolio myself and it is generally a sensitive subject with friends and family, I would like some feedback and general advice. This is my yearly reflection and request for feedback. Emergency funds: • 6+ months of expenses Debt: • Mortgage - $234,891 balance – 3.125% - 22.5 years...
by evad
Tue Dec 23, 2014 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 502
Views: 226590

Re: The Mega Backdoor Roth IRA

I can and I will, I just wanted to make sure I wasn't over looking something obvious first.
by evad
Mon Dec 22, 2014 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 502
Views: 226590

Re: The Mega Backdoor Roth IRA

I would like some help and guidance. I have done a significant amount of reading of the mega backdoor roth IRA. I must be missing something. I read my plan information and even talk to the servicer (Fidelity). I was able to make two consecutive paycheck after tax 401k contributions. The goal was to ...
by evad
Thu Jan 05, 2012 12:04 pm
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Re: Feedback on my 2012 rebalance plan

Bump, any final comments/concerns?
by evad
Mon Jan 02, 2012 8:06 pm
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Re: Feedback on my 2012 rebalance plan

Thanks for all the feedback, I think based upon the additional research and feedback the board has given this will be my plan... Any objections? ACTION ITEMS: • Exit DUK DRIP account for a gain. (2011) +2.84% to taxable cash account • Exit SE DRIP account for a gain. (2012) +1.86% to taxable cash ac...
by evad
Mon Jan 02, 2012 2:17 pm
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Re: Feedback on my 2012 rebalance plan

Not Bob,
I appreciate the response. I actually straddle the 25/28% tax bracket, in 2010 I was barely over to 28%. Upon further review it looks like I will be be barely under and will land in the 25% in 2011. I suspect in 2012 I will be in the same ballpark.
by evad
Mon Jan 02, 2012 9:51 am
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Re: Feedback on my 2012 rebalance plan

Centrifuge, Thanks for the detailed response! 1.) I agree that makes sense. I will not exit quickly but instead look for opportunities to harvest losses or realize significant gains. 2.) Sorry, I wasn’t clear in the original post it is definitely tracking the US S&P 500, clarified above. 3.) Per...
by evad
Sun Jan 01, 2012 3:29 pm
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Re: Feedback on my 2012 rebalance plan

Brian, Thanks for the response! “Missing the most obvious, roll your wife's old 401(k) into an IRA. Why pay brokerage-link fees when you could hold it directly?” On response to #1 - Her 401k, I’m not paying brokerage link fees, only on his 401k (fixed the typo above). She actually worked for Fidelit...
by evad
Fri Dec 30, 2011 5:14 pm
Forum: Personal Investments
Topic: Feedback on my 2012 rebalance plan
Replies: 10
Views: 1985

Feedback on my 2012 rebalance plan

I welcome any feedback on my 2012 rebalance plan. I spent a lot of time on this, so if I'm way off I would appreciate some guidance. Emergency funds: 6 months of expenses (not represented in cash allocations) Debt: Mortgage - 28 years remaining on a 30 year 3.75% - $253K Tax Filing Status: Married f...