Search found 44 matches

by Ren
Tue Nov 13, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another HDHP Question
Replies: 7
Views: 417

Re: Another HDHP Question

Yes, the baby's birth will be on my current plan (Plan 2). I'm honestly not sure what to expect next year. It's my first kid, so I don't have a lot to go by.
by Ren
Tue Nov 13, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another HDHP Question
Replies: 7
Views: 417

Re: Another HDHP Question

I definitely wouldn't be doing a HDHP with a "new baby" coming. You have guaranteed higher medical expenses than normal... You'll have to pay $2700 deductible + 20% coinsurance until you spend the $8,000 With the plan 2, you only have a $300 deductible + 10% coinsuance until you spend $2,000. Why w...
by Ren
Tue Nov 13, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another HDHP Question
Replies: 7
Views: 417

Another HDHP Question

Would anyone mind taking a look at the plan my employer offers? I'm seriously thinking of switching to the HDHP due to some pretty large premium increases for my PPO plan. The monthly premiums aren't on the link, but the PPO is $612.44 and the HDHP is $374.08. New baby coming in another week, so I n...
by Ren
Tue Nov 13, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1084

Re: Best Gutter Guard?

Nothing has worked for us. I just climb on the roof every couple of weeks during the fall to blow them out. The trees just clog anything I've put on the gutters.
by Ren
Fri Nov 09, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42347

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I thought there was a ten day rate increase guarantee for these No Penalty CD's. I opened mine on 11/2, so I'm going to ask if I'm eligible for the new rate.
by Ren
Wed Oct 24, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Block fireplace draft
Replies: 19
Views: 1228

Re: Block fireplace draft

I've had similar issues with my direct vent gas fireplace. There are no open penetrations, but it seems there is minimal insulation between the outside world and the bottom of the fireplace. I picked up some rockwool (since it's more or less fireproof) and stuffed some into the void underneath. It h...
by Ren
Tue Oct 16, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42347

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Thanks for the heads up on this. I've been steadily transferring chunks out of Ally into my Prime MM. I guess I'll plop it all back into a No Penalty CD now.
by Ren
Wed Oct 10, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4832

Re: Anyone else having problems logging into Vanguard?

I can log in, but can't see any of my holdings.
by Ren
Wed Aug 01, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA investing
Replies: 3
Views: 375

Inherited IRA investing

Hi all, I have an inherited IRA that I'd I like to get some advice on. I've recently been reading various things about using more conservative investments as to not have RMD's grow as much. What would you do if all available tax-advantaged accounts were already being maxed? (2 401k's and 2 Roth IRA'...
by Ren
Mon Jun 25, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1849

Re: VTI -> VTSAX

Why did you buy the ETF in the first place rather than the mutual fund? Does that reason still exist? I bought it when I thought I wouldn't mind manually submitting my orders every month. Manual submission is causing me to defer buying when I otherwise wouldn't, if it was automated. My tendency of ...
by Ren
Mon Jun 25, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1849

Re: VTI -> VTSAX

Why did you buy the ETF in the first place rather than the mutual fund? Does that reason still exist? I bought it when I thought I wouldn't mind manually submitting my orders every month. Manual submission is causing me to defer buying when I otherwise wouldn't, if it was automated. My tendency of ...
by Ren
Mon Jun 25, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1849

Re: VTI -> VTSAX

Taxable account at vanguard, so yes to taxes, no to fees. I'm just going leave it be.
by Ren
Mon Jun 25, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1849

Re: VTI -> VTSAX

This is strictly for consolidation. As simple as it is, I don't want to log in each month and buy shares. I'd rather set it and forget it with a specific auto investment amount. I have a decent amount of unrealized gains, so I will probably just leave the ETF alone.
by Ren
Mon Jun 25, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1849

VTI -> VTSAX

This is more of a general "what would you do" question. I have various lots of VTI, most of which have long term capital gains. For the sake of simple auto-investments, I want to migrate into VTSAX. Would it be prudent to start selling my VTI shares and buying VTSAX or just leave my ETF shares alone...
by Ren
Fri Jun 22, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 76
Views: 12688

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Just a FYI to people with the 1.75% No-Penalty CD's. It looks like Ally raised the rate to 1.8% for $25k+. I'm going to close and re-open the few that I have over there.
by Ren
Mon Apr 02, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4227

Re: Fast IRS refund

Mine finally went through. I had to call the IRS to see what was going on. Apparently I had a $2 discrepancy on my estimated taxes for the year, which held up my return.
by Ren
Fri Mar 23, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4227

Re: Fast IRS refund

quizzer25 wrote:
Fri Mar 23, 2018 2:15 pm

Got state yesterday and federal today. Yours should be coming soon as well.
Did you check the fed refund status link on IRS?
Just did again, still being processed.
by Ren
Fri Mar 23, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4227

Re: Fast IRS refund

quizzer25 wrote:
Mon Mar 19, 2018 3:15 pm

Check your bank online? I saw mine and state refund is showing pending deposit 3/22.

Our federal filing and status are same - lets update if anything changes.
State finally went through, nothing with Federal yet.
by Ren
Mon Mar 19, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4227

Re: Fast IRS refund

How many days is it taking for people filed returns in March? I filed on 5th and its still in process. I filed and got accepted on the 4th but it is still processing as well. My taxes have never taken this long, so I'm getting a little worried that maybe I made a mistake somewhere. Direct deposit o...
by Ren
Mon Mar 19, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4227

Re: Fast IRS refund

quizzer25 wrote:
Mon Mar 19, 2018 11:46 am
How many days is it taking for people filed returns in March? I filed on 5th and its still in process.
I filed and got accepted on the 4th but it is still processing as well. My taxes have never taken this long, so I'm getting a little worried that maybe I made a mistake somewhere.
by Ren
Mon Feb 05, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605716

Re: U.S. stocks in freefall

eye.surgeon wrote:
Mon Feb 05, 2018 3:51 pm
vanguard.com is down....
Yes it is....sigh...great timing.
by Ren
Mon Feb 05, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605716

Re: U.S. stocks in freefall

My limit orders from this morning already executed early on, but I might as well throw a little into my Roth IRA today. Good day to buy.
by Ren
Mon Oct 02, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k Question
Replies: 3
Views: 476

Re: Yet another Solo 401k Question

I understand it now. I went through the worksheet and the numbers add up. My mental hiccup has passed. Thanks again.
by Ren
Mon Oct 02, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k Question
Replies: 3
Views: 476

Yet another Solo 401k Question

I'm sorry in advance for making another solo 401k thread, but I can't seem to wrap my head around this one. I'm trying to figure out the max employer profit sharing amount for my wife's side business. It's a sole proprietorship, so nothing fancy. Here are my ballpark numbers to work with so far YTD....
by Ren
Mon Apr 24, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k recommendations?
Replies: 50
Views: 4297

Re: Solo 401k recommendations?

Can you buy regular stocks with a Vanguard account? I have $50k of dividend paying stocks in a taxable brokerage account that I don't pay taxes on since I'm in the 15% bracket and dividends are less than $2k/year right now. I don't expect to be above the 15% bracket MFJ pretty much ever, but I'd li...
by Ren
Mon Apr 24, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k recommendations?
Replies: 50
Views: 4297

Re: Solo 401k recommendations?

I use Vanguard for our Solo 401k and agree that it's easy and intuitive. My biggest annoyance is the lack of digital option to remove the fee-per-fund charge. Assuming you're putting a decent amount of money into it then $20/year isn't a big deal but it is more of a nuisance that I can't get around...
by Ren
Thu Apr 13, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating solo 401K contribution
Replies: 21
Views: 2255

Re: Calculating solo 401K contribution

uclalee wrote:And your net income is total income minus business deductions?
Yes. Total minus expenses.
by Ren
Thu Apr 13, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating solo 401K contribution
Replies: 21
Views: 2255

Re: Calculating solo 401K contribution

I made a spreadsheet that calculates this for my wife's self-employed income. As she inputs her income and expenses, it spits out what her SE taxes and max 401k contributions are for the quarter. Fidelity also has a calculator. https://scs.fidelity.com/products/mobile/sepMobile.shtml Your contributi...
by Ren
Thu Mar 16, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Individual 401(k) tax question.
Replies: 7
Views: 833

Re: Individual 401(k) tax question.

You aren't deferring anything in a Roth IRA, so it wouldn't affect your i401k deferrals/contributions. Taxes are already paid on your Roth contributions.
by Ren
Thu Mar 02, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Employer withholding mistake
Replies: 15
Views: 2833

Re: Employer withholding mistake

I would just make some estimated federal/state tax payments and be done with it. I've been in your shoes before with messed up withholdings before and handling it myself was the easiest route.
by Ren
Mon Jan 30, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: anyone have Blink Security system?
Replies: 13
Views: 1867

Re: anyone have Blink Security system?

I have a Blink system at my home and it works very well. Motion detection and recording is spot on. I've had the system since 3/16 and batteries are still ~90%. No issues as of yet. The negative to Blink is that the capabilities of their mobile app are very basic. I have my Blink system tied into my...
by Ren
Mon Jan 23, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Excess 401k contribution
Replies: 6
Views: 928

Re: Excess 401k contribution

I'm dealing with this situation now. I forgot about a vacation check, from a previous employer, that was sent to me in February which included a 403b contribution. That 403b was rolled over already into an IRA. Now I am trying to get the excess returned to me from my current employer. My benefits o...
by Ren
Mon Jan 23, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Excess 401k contribution
Replies: 6
Views: 928

Re: Excess 401k contribution

I'm dealing with this situation now. I forgot about a vacation check, from a previous employer, that was sent to me in February which included a 403b contribution. That 403b was rolled over already into an IRA. Now I am trying to get the excess returned to me from my current employer. My benefits of...
by Ren
Fri Nov 04, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2569

Re: TrueCrypt Alternative

Truecrypt is still perfectly fine to use. Nothing was compromised. If you want to use something else, go with Veracrypt.
by Ren
Wed Oct 26, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 70
Views: 9090

Re: First time Maui vacation - where to stay?

I was in Maui a few years back with the wife. We stayed at the Aston Mahana. No issues to report with them.
by Ren
Thu Oct 20, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 8217

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

I am not knocking your networking capability, but it sounds like you would be best served using a cloud storage provider, google drive/dropbox etc. to upload your videos. If you don't want to pay, I have made personal torrent files to send things to friends/family before. Very easy to do. You will n...
by Ren
Mon Oct 03, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Think about a whole house generator. Generac 22k
Replies: 31
Views: 4403

Re: Think about a whole house generator. Generac 22k

I thought about getting a whole house generator, especially after Sandy. We were out for 12 days. I settled for two Honda EU2000i's, a manual transfer switch and an outlet on the side of the house. They can power everything in my home, except the CAC. I can either run one or piggy back them together...
by Ren
Thu Jun 23, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 122
Views: 21221

Re: Is a generator worth it?

A generator is never worth it until you actually have to use it. I bought two Honda EU2000i's after Sandy and, knock on wood, never had to use them for an outage. I have used one of them while camping though, so at least I got some use out of them.
by Ren
Wed Apr 20, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: "Network Saturation" with Optimum Router [overloaded FIOS wifi?]
Replies: 18
Views: 2966

Re: "Network Saturation" with Optimum Router [overloaded FIOS wifi?]

In an apartment, I am definitely learning towards channel interference. Like others have said, download a wifi analyzer app and see what channel is least crowded. If your devices support it, get another dual band router and connect whatever to can to a open 5 ghz channel. Apartments are notorious fo...
by Ren
Wed Apr 20, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Online Mattress Company Reviews
Replies: 59
Views: 10787

Re: Online Mattress Company Reviews

We bought a king size mattress from Bedinabox and it is great for us. Since it was our first memory foam mattress, it took us a week or two to get used to it. Easy to order and fast delivery.
by Ren
Mon Apr 11, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 2585

Re: Rental Car Help

I've used Costco the last few times I needed to rent a car. They had the best deals for me.
by Ren
Tue Mar 15, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experience this TaxACT e-file issue?
Replies: 1
Views: 476

Re: Anyone experience this TaxACT e-file issue?

There should be three buttons under the filing tab. One that says print federal and state, print federal and print state.
by Ren
Wed Sep 12, 2012 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA investing
Replies: 17
Views: 1491

Re: Inherited IRA investing

Sorry about not posting in the correct format. Emergency funds: 6 months of funding available Debt: No credit card debt, about 20k in student loans left at average of 5% Tax Filing Status: Married filing jointly Tax Rate: 25% Federal, 6.85% State State of Residence: NY Age: 28 Desired Asset allocati...
by Ren
Tue Sep 11, 2012 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA investing
Replies: 17
Views: 1491

Inherited IRA investing

Hi all,

First time poster here. I am 28 year old who recently inherited an IRA worth around 100k. Any advice on what investments I should putting into it?