Search found 36 matches

by modest_man
Wed Dec 16, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Cat dandruff remedy needed
Replies: 4
Views: 308

Re: Cat dandruff remedy needed

Hi, As a vet, I'd personally recommend against the use of coconut oil on your furry friend. There have been no studies to establish efficacy/safety in canines or felines. I'd mention the issue to your vet and see if they have any feline-specific omega 3 fatty acids you can purchase. They should not ...
by modest_man
Wed Nov 11, 2020 2:38 am
Forum: Personal Finance (Not Investing)
Topic: How much have you saved from your mortgage refinance?
Replies: 21
Views: 2106

Re: How much have you saved from your mortgage refinance?

Original mortgate 340,000 at 3.375% in 2016. Two years of double-mortgage payments helped whittle the principle down to 270K.

Refinancing 270K at 2.75% saves me approximately $500/month. In addition, I earned $2500 through the Better.com Amex promo.
by modest_man
Tue Nov 10, 2020 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2471
Views: 562619

Re: Share your net worth progression

Investments 600K with today's bump at 38. I'll take it. +/- 100K in cash.
by modest_man
Mon Nov 02, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: My dog barks when I'm not home- solutions?
Replies: 79
Views: 5155

Re: My dog barks when I'm not home- solutions?

I recently used a bark collar a couple of times and it worked. I think my dog only received one shock during the few times the energized collar was used. I then removed the battery and when I put the collar on my dog she doesn't bark. She definitely understands the collar, because she tries to run ...
by modest_man
Mon Nov 02, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: My dog barks when I'm not home- solutions?
Replies: 79
Views: 5155

Re: My dog barks when I'm not home- solutions?

From a veterinary perspective, this sounds like separation anxiety. I'd schedule an appointment with your veterinarian for a physical exam, blood work, and behavioral modification strategies to help quell the behavior. Long and short-term medications can help as well. The use of bark collars is no l...
by modest_man
Thu Oct 29, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 157
Views: 8793

Re: Help...we're getting a dog!

Required reading: The Other End of the Leash , by Patricia McConnell Canine Body Language: A Photographic Guide , by Brenda Aloff Don't Shoot The Dog , by Karen Pryor Those books will give you a great primer on training, but one really important thing to remember is that dogs require mental stimula...
by modest_man
Wed Sep 09, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Expensive Cat Drug Prescription! Help - Options?
Replies: 24
Views: 1669

Re: Expensive Cat Drug Prescription! Help - Options?

And I’m feeling better about getting this drug from Canada after some of you have shared your positive Experiences. I don’t take any prescriptions so this process is new to me. And my vets have always Just sold me the medicines my pets have needed from their clinic in the past. Most seasoned vets w...
by modest_man
Tue Sep 01, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Electric shaver
Replies: 18
Views: 1293

Re: Electric shaver

I know this is a thread about electric shavers, but you can't go wrong with a double edged safey razor. Super quick and close shave every time.
by modest_man
Tue Aug 25, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard hide its phone number?
Replies: 52
Views: 5108

Re: Why does Vanguard hide its phone number?

I spent 34 minutes on the phone with Vanguard earlier today trying to hash out why they refused to transfer my Roth IRA to TDA. Two weeks ago, I requested a transfer of assets from Vanguard to TDA. Received a message from TDA that Vanguard cited 'restrictions on my account' and did not submit the tr...
by modest_man
Sun Aug 23, 2020 6:46 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

You can make your employEE contribution (up to $19,500) as either a pre-tax contribution or a Roth contribution (or both). If you're eligible to make an $X employER contribution (up to the additional $36,500), my understanding is that contribution MUST be pre-tax money. There is no Roth option for ...
by modest_man
Sun Aug 23, 2020 6:14 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

If you have a rollover IRA account, that's going to be a problem for the backdoor into Roth IRA. The more substantial the Rollover IRA account, the worse the problem. The rollover IRA has not been funded for 2 years, if that changes anything. I am simply transferring all my Vanguard assets to TDA i...
by modest_man
Sun Aug 23, 2020 5:45 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

Do you have any funds in a traditional IRA? If not, You could do a backdoor Roth conversion of $6k into a Roth IRA. Also, depending on how your Solo 401k is set up, you may be able to make after tax contributions to it which could then be converted to the Roth 401k... From what I've read regarding ...
by modest_man
Sun Aug 23, 2020 5:31 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

Your income would be too high to contribute directly to Roth IRA, but there is a trick called the Backdoor into Roth IRA. You can contribute to Traditional IRA and convert to Roth IRA. This works well if you don't have any other Traditional IRA, SIMPLE-IRA, SEP-IRA or Rollover IRA assets. Thank you...
by modest_man
Sun Aug 23, 2020 5:22 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

The $19,500 already contributed to the 401k is why you cannot contribute to the Roth 401K. You should have funded the Roth 401k and used the regular 401K for the profit sharing. Not necessarily. I'm anticipating my withdrawals in retirement < my current income, so it makes sense to pay taxes later....
by modest_man
Sun Aug 23, 2020 5:18 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

You are allowed to contribute to Solo 401k and Roth IRA.
I am single, so I thought my income exceeds contribution limits for a Roth IRA. If you need exact amounts, I am able to provide them.
by modest_man
Sun Aug 23, 2020 5:16 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Re: Am I eligible to contribute to my Roth 401k

Please let us know how much in employee salary deferral contributions and employer profit share contributions in that $49,395.
$19,500 of contributions are the Employee salary deferral, the remainder ($29,895) is the employer profit share.

Thank you for the reply.
by modest_man
Sun Aug 23, 2020 4:54 pm
Forum: Personal Investments
Topic: Am I eligible to contribute to my Roth 401k
Replies: 20
Views: 676

Am I eligible to contribute to my Roth 401k

Hi all, First off, I want to tell everyone THANK YOU IN ADVANCE. This forum has literally saved me thousand of dollars (from advice on purchasing a new water heater to guidance on my refinance). I am a sole proprietor that opened up a solo 401k and roth 401k through TDA in 2015. For 2019, I was elig...
by modest_man
Fri Jul 31, 2020 2:40 am
Forum: Personal Finance (Not Investing)
Topic: When did your investments outweigh your mortgage?
Replies: 46
Views: 4419

Re: When did your investments outweigh your mortgage?

Maybe one year after I bought the residence. My goal has always been to have enough taxable investments to pay off the mortgage. I'm almost at 40%.
by modest_man
Thu Jul 16, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

So I feel like I'm a bit of a pickle here. I uploaded all my documents to Loan Depot last night because they offered me 2.75% 30 year no-cost mortgage. Once he made the offer I called Better who said they didn't think they could match it. Better called today and said they could match 2.75% no-cost ...
by modest_man
Thu Jul 16, 2020 12:45 am
Forum: Personal Investments
Topic: Using Vanguards Ultra Short Term Bond Fund for a Cash Reserve
Replies: 9
Views: 1461

Re: Using Vanguards Ultra Short Term Bond Fund for a Cash Reserve

ohboy! wrote: Wed Jul 15, 2020 10:21 pm $79 is 16 full meals at Taco Bell for me. That’s about about a year in my use case.
That's also practically 86 dollars, which is jacket money.

(I miss Community)
by modest_man
Wed Jul 15, 2020 7:59 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2115
Views: 258648

Re: Post your Financial Milestone Announcements Here

Once my 401K contribution clears, I will officially exceed $500,000 in total investments.
by modest_man
Wed Jul 15, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

So I feel like I'm a bit of a pickle here. I uploaded all my documents to Loan Depot last night because they offered me 2.75% 30 year no-cost mortgage. Once he made the offer I called Better who said they didn't think they could match it. Better called today and said they could match 2.75% no-cost ...
by modest_man
Wed Jul 15, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

So I feel like I'm a bit of a pickle here. I uploaded all my documents to Loan Depot last night because they offered me 2.75% 30 year no-cost mortgage. Once he made the offer I called Better who said they didn't think they could match it. Better called today and said they could match 2.75% no-cost w...
by modest_man
Mon Jul 13, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

Quicken, Better, and LD both appear to balk at the notion of lender credits. LD quoted me $12K for a 265K loan at 2.75%, which appears ludicrous (at least Better was half that at 5300). I wouldn't be surprised if they are turning away price shoppers due to the high influx of applications. I am almo...
by modest_man
Mon Jul 13, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

Quicken, Better, and LD both appear to balk at the notion of lender credits. LD quoted me $12K for a 265K loan at 2.75%, which appears ludicrous (at least Better was half that at 5300). I wouldn't be surprised if they are turning away price shoppers due to the high influx of applications. I am almo...
by modest_man
Mon Jul 13, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10031
Views: 706566

Re: Refinance Mega Thread

Quicken, Better, and LD both appear to balk at the notion of lender credits. LD quoted me $12K for a 265K loan at 2.75%, which appears ludicrous (at least Better was half that at 5300).

I wouldn't be surprised if they are turning away price shoppers due to the high influx of applications.
by modest_man
Wed Feb 19, 2020 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Getting through to Equifax
Replies: 42
Views: 2883

Re: Getting through to Equifax

I faced similar issues but was able to resolve it by using some numbers I received via gethuman.com.

It took more time than it should have, but I was finally able to gain access to my online account.
by modest_man
Thu Feb 06, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5718

Re: Anyone watch the Amazon series “The Expanse”?

Signed in just for this. My GF and I LOVE The Expanse.

Came across it once there was a ton of online hype when Amazon picked it up. Fantastic show.
by modest_man
Thu Jun 20, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 8010

Re: How to avoid high vet bills?

I'm a veterinarian, so I have some room to chime in here. I did start to read through everyone's replies, but I'm at the point where I'm done doing my job for free. So here goes: Basic health care for animals includes the following: Annual to tri-annual rabies and distemper (techinically distemper/a...
by modest_man
Sun Feb 03, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 4362

Re: The real dog food diet...

Small animal veterinarian chiming in here - personally, I'm a big fan of Royal Canin. Full disclosure - I used to work for a corporation owned by Mars (seems like a lifetime ago) that also owns Royal Canin. No, I don't receive any kickbacks for endorsing them. I'm also a fan of Hills, although I fin...
by modest_man
Fri Sep 30, 2016 8:50 am
Forum: Personal Investments
Topic: Opening non-retirement investment accounts and allocation
Replies: 4
Views: 824

Re: Opening non-retirement investment accounts and allocation

I've amended my original post, thank you for your patience. Please note that I'm well aware I messed up the international distribution and that it should be higher. However, I cannot adjust it for 30 days per Vanguard. On to your individual questions: 3) Is that a Roth 401k? If so why? Yes, at the t...
by modest_man
Thu Sep 29, 2016 12:40 pm
Forum: Personal Investments
Topic: Opening non-retirement investment accounts and allocation
Replies: 4
Views: 824

Re: Opening non-retirement investment accounts and allocation

Thanks! I work in the animal field. I had no choice, really - lost my job in Feb 2014 and decided to pursue work as an independent contractor in April after a very difficult job search. Unfortunately it's not very scale-able - there's a low barrier to entry so it's hard to take on other associates t...
by modest_man
Thu Sep 29, 2016 9:27 am
Forum: Personal Investments
Topic: Opening non-retirement investment accounts and allocation
Replies: 4
Views: 824

Opening non-retirement investment accounts and allocation

Hello, I'm a 34 YO SWM that is in the process of closing on a condo. I've been a sole proprietor since April 2014 - prior to that I was an associate earning around 90-95K/year. As a sole proprietor, In 2014 I earned just over 100K and in 2015 I earned closer to 175K. So far I think I'll earn a simil...
by modest_man
Wed May 08, 2013 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt versus saving for down payment
Replies: 11
Views: 1580

Re: Pay off debt versus saving for down payment

With the student loan interest deduction phaseout effect, your total marginal rate is 34%. Especially in Illinois (but this holds true if you retire to any state that exempts some or all retirement income, which is most of them), this makes pre-tax (traditional 401k) savings preferable over post-ta...
by modest_man
Wed May 08, 2013 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt versus saving for down payment
Replies: 11
Views: 1580

Re: Pay off debt versus saving for down payment

I invest the full amount in my Roth IRA (currently $458 per month) monthly How? If you're not using the back door method you have a problem. Edit: I see that you make either $90,000 or $170,000 (I thought the latter at first, but now I see it's ambiguous, and I'm thinking the former is likely the c...
by modest_man
Tue May 07, 2013 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt versus saving for down payment
Replies: 11
Views: 1580

Pay off debt versus saving for down payment

I am a 30 year-old SWM living in Chicago, IL. I graduated from professional school in 2008 with $133,000 in student loans. The breakdown of the loans are as follows: $66,000 @ 6.8% - paid off in 2012 $50,000 @ 4.8% - currently $46,000 - 30yr repayment plan at $275/month $17,000 @ 2.4% - currently $1...