Search found 42 matches

by seeingeyestrike
Fri Jan 22, 2021 11:54 am
Forum: Personal Investments
Topic: Criticize My Grind (26-37) --> Semi-Retire (37-50) --> Retire (50+)Plan
Replies: 33
Views: 2669

Re: Criticize My Grind (26-37) --> Semi-Retire (37-50) --> Retire (50+)Plan

I’ve looked into refinancing. I’m in Ohio. Best rate I can get without buying points is 3.0875. I just can’t get myself to buy points. I like cash too much. Maybe I should reconsider. 3.0875% is still an improvement over what you currently have. This is sort of like cash, sitting at your feet, but ...
by seeingeyestrike
Thu Jan 21, 2021 10:10 am
Forum: Personal Investments
Topic: High fees in company 401k plan - 55ps
Replies: 5
Views: 496

Re: High fees in company 401k plan - 55ps

Agree with other posters that contributing up to the max and then switching to an IRA makes sense. However, depending on your actual fees and how long you plan to stay with the company, it might still be more efficient to fill up the 401(k) before contributing to taxable. The reason is that you can ...
by seeingeyestrike
Mon Aug 31, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9459
Views: 661472

Re: Refinance Mega Thread

Anyone refinance with LenderFi, sign the clawback agreement, and then refinance again within 6 months? I know there was talk a few pages back on how enforceable it was, and I also saw a few people in the thread who refinanced with LF since we did report not having to sign any clawback. We closed at ...
by seeingeyestrike
Fri Aug 28, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Savings for a house and future in general (NY state teacher)
Replies: 9
Views: 958

Re: Savings for a house and future in general (NY state teacher)

If she teaches for 30 years she will receive her full pension and social security, thus the 403b may not be essential. You might look at whether the 403b reduces her current income taxes and perhaps consider terminating the 403b contribution in lieu of a Roth 403b, Roth IRA or 457b contribution. I ...
by seeingeyestrike
Thu Aug 27, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Savings for a house and future in general (NY state teacher)
Replies: 9
Views: 958

Re: Savings for a house and future in general (NY state teacher)

Thanks VegasBH for the housing authority idea, we'll definitely let her know to look into it! She can either proactively address these conflicting interests and take control of her life, or she can let life happen to her. I agree, and this is essentially what she is doing now. We did talk to her abo...
by seeingeyestrike
Tue Aug 25, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Savings for a house and future in general (NY state teacher)
Replies: 9
Views: 958

Re: Savings for a house and future in general (NY state teacher)

She wants a single family home. My husband and I are more inclined to agree with your suggestions. She is in northern Westchester county, so not as HCOL as the areas closer to the city. $1800/mo to live in her childhood bedroom? Really? Yeah, it's an interesting situation to say the least. In their ...
by seeingeyestrike
Tue Aug 25, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Savings for a house and future in general (NY state teacher)
Replies: 9
Views: 958

Savings for a house and future in general (NY state teacher)

This post is on behalf of my 36 year old sister in law who is asking my husband and I to help her out with budgeting for a house down payment and general future planning. My husband and I have been reading this forum (and occasionally posting) for the last 10 years, and we are starting to lay out a ...
by seeingeyestrike
Tue Mar 31, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4855

Re: Tipping in new reality?

I have been delivering pizza for almost 20 years now off and on if you don't have at least $2 please pick it up and don't waste our time I’m very grateful that you’re not working in, for example, emergency medicine field. "Don’t have at least X bucks? Don’t waste our time!" :oops: Not sur...
by seeingeyestrike
Fri Jul 19, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What HSA changes happen going from single to family coverage?
Replies: 1
Views: 272

What HSA changes happen going from single to family coverage?

Hi all, My husband and I both work for the government and are currently enrolled in separate self-only GEHA HDHP's and each contribute to our own HSA's. However, we are expecting our first child in a few weeks, and at that time, we had planned to change my coverage to the family version of the HDHP ...
by seeingeyestrike
Fri Apr 14, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA Health Balance Rewards Card Taxable?
Replies: 1
Views: 806

GEHA Health Balance Rewards Card Taxable?

I thought I'd ask this question here since I know there are a decent number of GEHA HDHP member bogleheads (and other HDHP members who might receive similar benefits). Last year (2016) was my first year with a GEHA HDHP. As part of this plan's benefits, I filled out my online health assessment to qu...
by seeingeyestrike
Wed Aug 24, 2016 12:55 pm
Forum: Personal Investments
Topic: Where to invest excess cash flow
Replies: 7
Views: 1384

Re: Where to invest excess cash flow

Interestingly enough, I hadn't even considered paying off the car loans until I was in the process of writing my original post. I'm glad I took the time to organize everything into the asking portfolio questions format. I agree with most of your responses that those loans are the best place to start...
by seeingeyestrike
Wed Aug 24, 2016 9:09 am
Forum: Personal Investments
Topic: Where to invest excess cash flow
Replies: 7
Views: 1384

Where to invest excess cash flow

My husband and I have gotten to the point where we’re maxing out our tax advantaged accounts and we’re trying to figure out our next step for excess cash flow. The options we have talked about are below. We’re leaning towards opening a taxable account but would like to hear others opinions and other...
by seeingeyestrike
Thu Nov 19, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: First smartphone recommendations
Replies: 28
Views: 4567

Re: First smartphone recommendations

Thanks everyone for all the great input and recommendations. I decided to go with a first generation Moto X. If you have more recommendations on good phones or inexpensive ways of using a data plan, please keep them coming. My husband will probably be upgrading soon, so I’m still reading and followi...
by seeingeyestrike
Sat Nov 14, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: First smartphone recommendations
Replies: 28
Views: 4567

Re: First smartphone recommendations

Thanks for the replies everyone. This is exactly what I was hoping for- suggestions for specific things to look into, so I’m not getting overwhelmed with all the options out there. Addressing questions: I would prefer Android and I’m hoping to find a phone under $200. Neither of these are absolutes ...
by seeingeyestrike
Fri Nov 13, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: First smartphone recommendations
Replies: 28
Views: 4567

First smartphone recommendations

I’m looking to finally making the upgrade to a smartphone, but am getting pretty overwhelmed looking at the options and was hoping you might help me. My current phone is an 8 year old flip phone that I love, but since half the buttons no longer work, it’s time to find a replacement. I’ve been follow...
by seeingeyestrike
Wed Nov 20, 2013 2:14 pm
Forum: Personal Investments
Topic: 23 year old ready to start my investing life.
Replies: 40
Views: 5663

Re: 23 year old ready to start my investing life.

I'm just looking for a maximum dollar amount as in tax refund cash back through the deductible that is attainable (only from the tIRA deduction, not the overall picture) with the max contribution to a tIRA? Just so I know about how much the actual maximum dollar amount we're talking here in all of ...
by seeingeyestrike
Wed Nov 20, 2013 10:40 am
Forum: Personal Investments
Topic: 23 year old ready to start my investing life.
Replies: 40
Views: 5663

Re: 23 year old ready to start my investing life.

2 additional (possible) benefits to the Roth IRA: 1. You can put more money in tax sheltered space- $5,500 post-tax (Roth) is more money than $5,500 pre-tax (Trad) 2. Contributing to a Roth now will make it easier to make backdoor Roth contributions in the future. These things may or may not outweig...
by seeingeyestrike
Wed Nov 20, 2013 8:40 am
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 2073

Re: Company didn't send us agreed upon refund, what now?

Thanks for the additional information. I do have a follow-up question to one of the points mentioned: 3. You would have to file in small claims where they are located. It is not based on where you are living. You can't have a problem in NJ and then move to HI and sue then in HI. You have to sue wher...
by seeingeyestrike
Tue Nov 19, 2013 7:04 pm
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 2073

Re: Company didn't send us agreed upon refund, what now?

Also consider that if they are unable to pay $2000 they are going to be unable to pay the $2000 + your attorney's fees so you may very well get a nice shiny judgment, company dissolves and you don't get paid AND get stuck with 3-5K of attorney's fees :). Even IF you are awarded attorney's fees that...
by seeingeyestrike
Mon Nov 18, 2013 7:22 pm
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 2073

Re: Company didn't send us agreed upon refund, what now?

Additional question: After pulling up and going through the old receipts we have, the total amount of money we paid to this company that we would like to sue for is $3,850. However, we live in New Jersey and small claims court here has a limit of $3,000. The next level of civil court is called Speci...
by seeingeyestrike
Sat Nov 16, 2013 12:48 pm
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 2073

Re: Company didn't send us agreed upon refund, what now?

Thanks for the replies. You both make a good point that it's probably better if I go into this not expecting to get paid due to the company's fiscal problems; however you're also correct that the cost is low, so I'm looking into the filing process now. I just printed out my state's small claim proce...
by seeingeyestrike
Fri Nov 15, 2013 8:33 pm
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 2073

Company didn't send us agreed upon refund, what now?

We've been in "mediation" with a company that we've had some issues with. The County where they're located's Division of Consumer Protection has been acting as our "mediator". Long story short, we'd come to an agreement that the company would send us a $2,000 refund check. They w...
by seeingeyestrike
Thu Aug 29, 2013 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 12
Views: 1907

Re: Student Loan Repayment

I agree that something is wrong with your math. I plugged your numbers into my mortgage spreadsheet. It won't be perfect because I made some assumptions and I'm not sure if compounding works exactly the some in the 2 situations, but it should be close enough to give you an idea of the difference. As...
by seeingeyestrike
Fri Jul 19, 2013 10:06 am
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1879

Re: Ground Source Heat Pumps?

Thanks for everyone's input and help so far! Here’s the plan I've come up with: Get a quote for the geothermal system- once I have that, I’ll be able to run the numbers to figure out my projected payback period and if this is something I can really afford. At the same time, get a quote for direct ve...
by seeingeyestrike
Thu Jul 18, 2013 7:20 am
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1879

Re: Ground Source Heat Pumps?

orlandoman and dblck- thanks for sharing your experiences. It's good to hear from people who have been using one of these. rfburns- thanks for the link. I intend to look around the site when I get home from work this afternoon. wageoghe- great additional options and tips. From what you and others ha...
by seeingeyestrike
Wed Jul 17, 2013 3:14 pm
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1879

Re: Ground Source Heat Pumps?

A Manual J audit will tell you heat gain/loss through the entire structure while a manual d audit will evaluate your ductwork. As tarzara said you should get an audit done as in the long term keeping an oil burner might be worth it if most of your heating loss it through weak points in your house (...
by seeingeyestrike
Wed Jul 17, 2013 3:11 pm
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1879

Re: Ground Source Heat Pumps?

talzara- That is very good advice and something I do actually plan on doing this summer. Also, I want to clarify, I'm not currently planning on paying 20,000 for the new system. I'm hoping that there's a way to use my well, and get the cost down significantly. If I can't do that, I'll consider getti...
by seeingeyestrike
Wed Jul 17, 2013 2:00 pm
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1879

Ground Source Heat Pumps?

You may remember me from my chimney problems a few weeks ago: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=118475&p=1729319 My SO and I followed your advice, and refused to let that company come back and fix their original liner installation. So we still have a chimney that is too sh...
by seeingeyestrike
Fri Jul 12, 2013 2:14 pm
Forum: Personal Investments
Topic: Roth 401k vs Regular 401k when you have a pension
Replies: 30
Views: 4108

Re: Roth 401k vs Regular 401k when you have a pension

I'll take a stab at answering the 1st question. I'm in a similar situation- I'm 26, in the 25% tax bracket now and expect to have a pension when I retire. For what it's worth- I'm currently contributing to my roth option. This is the first year I have the roth option, so my previous 3 years of contr...
by seeingeyestrike
Mon Jul 01, 2013 3:59 pm
Forum: Personal Consumer Issues
Topic: Safety schools for a Physics/Math kid
Replies: 264
Views: 32533

Re: Safety schools for a Physics/Math kid

He may want to consider Stevens Institute of Technology as a safety school. Your son should be able to get a merit based full tuition scholarship there. If he applies for the scholars program, he can stay during the summers and do research with a professor for a stipend. Alternatively, there’s the o...
by seeingeyestrike
Sat Jun 22, 2013 8:43 am
Forum: Personal Consumer Issues
Topic: Chimney Problems- Fixing Past Mistakes
Replies: 16
Views: 1473

Re: Chimney Problems- Fixing Past Mistakes

I just want to thank everyone for sharing their opinions. I'm very glad I posted this here. We've decided that we will not let company 1 work on our house. I'm going to explain what happened yesterday (company 1 proving they weren't familiar with the code) to the mediating agency, let them know I do...
by seeingeyestrike
Fri Jun 21, 2013 6:49 pm
Forum: Personal Consumer Issues
Topic: Chimney Problems- Fixing Past Mistakes
Replies: 16
Views: 1473

Re: Chimney Problems- Fixing Past Mistakes

I think a lot depends on if you want to use it for a log fire or alternatively get a pellet or gas insert for it. A pellet or gas insert would just need a proper,but not very expensive pipe inserted and the crack would not matter. It would be very safe. If you want (and are allowed to have) an old-...
by seeingeyestrike
Fri Jun 21, 2013 5:53 pm
Forum: Personal Consumer Issues
Topic: Chimney Problems- Fixing Past Mistakes
Replies: 16
Views: 1473

Re: Chimney Problems- Fixing Past Mistakes

I don't know anything about chimneys, but company 1 sounds like a bunch of screw-ups, so the best option would seem to be them paying company 2. I completely agree with this. The issue is that company 1 won't agree to give us our money back. I don't know why- I can't imagine they are saving that mu...
by seeingeyestrike
Fri Jun 21, 2013 5:03 pm
Forum: Personal Consumer Issues
Topic: Chimney Problems- Fixing Past Mistakes
Replies: 16
Views: 1473

Re: Chimney Problems- Fixing Past Mistakes

House was built in 1999. The look probably will be negatively affected by the metal extension; though it's not something we care about and we don't intend to sell anytime in the near future. Current height of the chimney is about 25ft from the base of the house. About 1/4 to 1/3 of that is above the...
by seeingeyestrike
Fri Jun 21, 2013 3:29 pm
Forum: Personal Consumer Issues
Topic: Chimney Problems- Fixing Past Mistakes
Replies: 16
Views: 1473

Chimney Problems- Fixing Past Mistakes

Sorry the background’s pretty long, but feel free to skip to the important part at the bottom. BACKGROUND Okay, Here’s the situation: About 2 years ago, shortly after buying our house, my SO and I had a chimney company come out for an inspection. We, as the consumers, basically did everything wrong....
by seeingeyestrike
Fri Mar 15, 2013 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Analysis paralysis with cash-in refinance
Replies: 7
Views: 1050

Re: Analysis paralysis with cash-in refinance

You could also looking into what kind of rates you could get if you refinanced now and keep the PMI. I was in a similar situation recently; I originally bought my house with only 5% down but had enough money to put 15% down if I were to refinance. Because of the lower loan to value ratio, my PMI pay...
by seeingeyestrike
Sun Nov 11, 2012 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help Considering Options Finding Money to Refinance Mortgage
Replies: 7
Views: 934

Re: Help Considering Options Finding Money to Refinance Mort

Borrowing the 20% "equity" isn't going to fly with the lender. John Yeah, I guess this was one of my major concerns. I think we'll probably do something close to option 6 as well as throw any extra money at the mortgage to see if we can cut the time period a little. Thanks for the respons...
by seeingeyestrike
Sun Nov 11, 2012 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Help Considering Options Finding Money to Refinance Mortgage
Replies: 7
Views: 934

Help Considering Options Finding Money to Refinance Mortgage

I’m looking into refinancing my home, but I would like to run my ideas by this forum to see what others think is the best option in my situation. My boyfriend and I bought a house 15 months ago for $380,000 and put 5% down. (If we could do it all again, we would have waited and saved up the 20% or b...
by seeingeyestrike
Tue Sep 11, 2012 7:04 pm
Forum: Personal Investments
Topic: Retirement Account Allocation and Questions
Replies: 9
Views: 1136

Re: Retirement Account Allocation and Questions

Thanks so much for the thorough breakdown. I really appreciate all the help :happy
by seeingeyestrike
Tue Sep 11, 2012 1:15 pm
Forum: Personal Investments
Topic: Retirement Account Allocation and Questions
Replies: 9
Views: 1136

Re: Retirement Account Allocation and Questions

Sorry FNK, I just went back and modified the original post and added that in. Hoppy08520- thanks, your response and links were very helpful. I guess my biggest problem is that I’m not sure what situation I’ll be in 10-20 years in the future, much less where I’ll be when I hit retirement age. You gav...
by seeingeyestrike
Mon Sep 10, 2012 8:25 pm
Forum: Personal Investments
Topic: Retirement Account Allocation and Questions
Replies: 9
Views: 1136

Retirement Account Allocation and Questions

Hi. I just found these forums last week and have been doing my best to soak up all the information available. I have a few questions. First, info about me: I currently live with my boyfriend and we have most of our income combined to pay for joint expenses. We are both engineers. Emergency Fund: 1/3...