Search found 303 matches

by andyandyandy
Mon Jan 07, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 727

Re: Online savings accounts for BUSINESS? (not personal)

Well...TD Bank is offering >2% and same with Wells Fargo.
Why to go BoFA?
by andyandyandy
Mon Jan 07, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 727

Re: Online savings accounts for BUSINESS? (not personal)

theplayer11 wrote:
Mon Jan 07, 2019 2:48 pm
I use BOA because I have personal there and just moved retirement to Merrill Edge. It's nice having everything on 1 website.
I did not find BoFA having good rates for business savings or CD.
Any pointers?
by andyandyandy
Mon Jan 07, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 727

Re: Online savings accounts for BUSINESS? (not personal)

First Bank seems to over 1.81% on Money Market. https://www.firstib.com/commercial/deposits/business-mma-campaign-depaccts/ Any feedback for First Bank? Also it does not seem FDIC insured? Thank you! Also TD Bank seems to have good business CD Rates(FDIC Insured) https://www.tdbank.com/small_busines...
by andyandyandy
Wed Dec 26, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2739

Re: Cancun in January

All, I will be travelling with family (kids 10 and 8 ) in Jan in Cancun for 4 nights. We are in all inclusive resort. Question I have is: 1) My flight arrives around 9 PM. What will be safest transportation to Resort? 2) Safe trip options chichen itza? 3) Should I use credit cards, Cash dollars or ...
by andyandyandy
Wed Dec 12, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Health insurance outside Obamacare exchange
Replies: 12
Views: 1011

Re: Health insurance outside Obamacare exchange

I live in the 3rd largest city in the US and there are only 3 providers on the exchange and 25 plans. I haven't find any other company offering ACA compliant plans off the exchanges. You can find short-term plans that have more holes in them than swiss cheese though. Yea- Further research revealed ...
by andyandyandy
Fri Dec 07, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Health insurance outside Obamacare exchange
Replies: 12
Views: 1011

Re: Health inurance outside Obamacare exchange

Thank you!
I am just thinking if its really apple to apple comparison (in exchange vs outside) except the cost?
by andyandyandy
Fri Dec 07, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Health insurance outside Obamacare exchange
Replies: 12
Views: 1011

Health insurance outside Obamacare exchange

I just noted few folds trying to buy outside the exchange healthcare.gov and much better prices. We (colleague and I ) won't get any subsidy. Is there a risk/benefit buying outside? Assuming its cheaper outside. I an already enrolled though but got curious when I heard huge price difference! Welcome...
by andyandyandy
Thu Dec 06, 2018 9:29 am
Forum: Personal Investments
Topic: Mutual funds suggestions hsabank.com
Replies: 1
Views: 185

Mutual funds suggestions hsabank.com

Bogleheads,

What will be some good suggestions for mutual funds for long term(10+) through hsabank.com/ TD Ameritrade?
Thank you in advance!

Andy
by andyandyandy
Sun Dec 02, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2739

Re: Cancun in January

Thank you everyone for the suggestions!!
by andyandyandy
Fri Nov 30, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2739

Cancun in January

All, I will be travelling with family (kids 10 and 8 ) in Jan in Cancun for 4 nights. We are in all inclusive resort. Question I have is: 1) My flight arrives around 9 PM. What will be safest transportation to Resort? 2) Safe trip options chichen itza? 3) Should I use credit cards, Cash dollars or c...
by andyandyandy
Sat Nov 10, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1698

Re: Chase Sapphire Reserve -points for family ?

Perfect! Thank you again!
by andyandyandy
Sat Nov 10, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1698

Re: Chase Sapphire Reserve -points for family ?

Thank you very much!!

Couple more question come to my mind:

1) Is Trip protection covered for 'all family members' or portion of card holder?
2)Can Travel Lounge be used by all family members or just card holder?
by andyandyandy
Sat Oct 20, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1698

Re: Chase Sapphire Reserve -points for family ?

Yes- Thank you! Main question was will I get the points for family plane tickets as well.

Thank you!
by andyandyandy
Sat Oct 20, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1698

Chase Sapphire Reserve -points for family ?

Bogleheads, I was thinking of applying Chase Sapphire Reserve but not sure if I I will get points on trips for all family members(1 adults, 2 kids)? And same true for other benefits like trip cancellation insurance . In both cases I will be travelling myself along with https://creditcards.chase.com/...
by andyandyandy
Fri Aug 17, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7903

Re: Reckless driving ticket in VA-Help!

Thank you for the quick replies! Yes- Clean record otherwise. First ticket in Virginia and no tickets since last 5.5 years! No DUI. My main worry is 'reckless driving' seems to be crime in VA - which may affect any job changes or Secret Clearance needed for Govt jobs here! Thanks for any further inp...
by andyandyandy
Fri Aug 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7903

Reckless driving ticket in VA-Help!

Bogleheads, Today morning while going to office I got a speeding ticket (46) on speed limit of 25. Speed limit suddenly changes at that place and I was in previous speed flow. It says to go to court. Internet seem to say scary things about reckless driving. I talked to some attorneys and they are ch...
by andyandyandy
Thu Jul 26, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1924

Re: Help Please!! Contract payments not being paid

Depends how big the prime vendor is, if it is a smallish shop they might be collecting payment from Client and stiffing you before they declare bankruptcy. Or, some of them sell their invoices and bail out. If the prime vendor is large, then ask the Client what to do, this can be very disruptive to...
by andyandyandy
Thu Jul 26, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1924

Re: Help Please!! Contract payments not being paid

Do you have a subcontract with them or just a consulting agreement? Check to see the payment terms. Usually it will say you get paid within x days after they get paid. That's how most small government contractors will do it. Also check to see if you incorporated language around late payment penalty...
by andyandyandy
Thu Jul 26, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1924

Re: Help Please!! Contract payments not being paid

So the prime contractor's company was bought/sold/changed somehow? I'm no expert, but my guess would be that's delayed the billing to the government, and the Prime is trying to hold off on payments until they start receiving the money from the government. I've seen that before, and of course, it hu...
by andyandyandy
Thu Jul 26, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1924

Re: Help Please!! Contract payments not being paid

I've had that issue a couple times in my contracting business but to a lesser extent. When I get fed up, I let client know that I will stop sending deliverables pending payment. Client then finds a way to pay real fast. Are you in a position to stop sending deliverables? If your client still doesn'...
by andyandyandy
Thu Jul 26, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1924

Help Please!! Contract payments not being paid

Bogleheads, I work in IT as a contractor for a Govt Client. I have a Corp to Corp relation with another Prime vendor and end client is Govt. 3-4 months back Prime Vendor stopped paying payments and on multiple requests they release little bit of money. But its piling up and currently 45 days of paym...
by andyandyandy
Tue Jun 26, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3801

Re: 3 nights in Vegas

Thanks all again! Couple. follow up question regarding shows: O is not available on Monday and Tuesday. So between Mystere, Ka, Love, Blue Man which one has more acrobatic stunt ( I guess love is not)? If show is in a hotel where I stay is there some discount? Any suggestions on Adult show as well ?...
by andyandyandy
Fri Jun 22, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3801

Re: 3 nights in Vegas

Thank you all for so much valuable inputs! I am putting down some notes for me :) :sharebeer :sharebeer
by andyandyandy
Thu Jun 21, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3801

3 nights in Vegas

I plan to go to Vegas with my wife on July 1st - reaching late night and starting back on 4th night 10 PM.
So about 3 night and 3 days. What can I do in this time frame to best utilize my time?

Do I need a car in Vegas or public transport is best way?
Thank you in advance!!
by andyandyandy
Thu May 03, 2018 9:12 pm
Forum: Personal Investments
Topic: Where to invest about 200K
Replies: 9
Views: 1378

Where to invest about 200K

All, Where to invest 200K on which I am sitting from long time? Currently in savings account. 401K is fully invested, HSA are full. Should I look for some vanguard index funds which have some tax benefits? Also we have 80 K in I Bonds and E Bonds from previous years already. Married filing jointly i...
by andyandyandy
Sun Apr 15, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2752

Re: Yellow Stone time needed

To me, it makes no sense to fly a family of four across the country for a day or a day and a half in Yellowstone. Better to do something outdoors near D.C. such as take a trip down Skyline Drive in Shenandoah National Park or visit of the National Forests. http://visitskylinedrive.org/Home.aspx htt...
by andyandyandy
Sun Apr 15, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2752

Re: Yellow Stone time needed

You could do it, but I don't think it would be a very fun trip. It takes 4.5 - 6 hours to drive from Salt Lake City to the park, without traffic, bathroom breaks, or stopping for food. I'm planning an August trip to Yellowstone as we speak, and almost all lodging within the park are completely book...
by andyandyandy
Sun Apr 15, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2752

Yellowstone time needed

All, I understand Yellowstone park is huge and needs lot of time. But with my contract job (taking off costs), I can afford 2-3 off. With a family of 4 I will fly from DC. I was thinking to go in May Mid or June. Day 1 -Fly Friday morning from DC to Salt Lake City and then drive to Park. Night stay ...
by andyandyandy
Sat Apr 07, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Water Park Resorts driveable from DC
Replies: 5
Views: 530

Re: Water Park Resorts driveable from DC

Ecorp wrote:
Sat Apr 07, 2018 4:41 pm
Look up Massanutten Resort in VA. Probably little over 2 hours west of DC
Thank you! That looks good option.
by andyandyandy
Sat Apr 07, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Water Park Resorts driveable from DC
Replies: 5
Views: 530

Water Park Resorts driveable from DC

Bogleheads, I tried checking Wolf Lodge and Bush Garden for May 28th long weekend but these are coming like 900$ for 2 night which sounds very expensive to me. Any suggestions for a family of 4 , for max 4-5 hours drive from DC , with 2 boys 10 and 7 age? Indoor Water Park will be great but other su...
by andyandyandy
Mon Mar 12, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1210

Re: Auto water sprinklers

I have a small townhome and may shift to bigger home in next 2 years.However to save time I wanted to install sprinkler system with automation. While googling average cost is coming to 2000+. Are there other alternatives to save time on water for front yard and back yar without spending so much mon...
by andyandyandy
Mon Mar 12, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1210

Auto water sprinklers

I have a small townhome and may shift to bigger home in next 2 years.However to save time I wanted to install sprinkler system with automation. While googling average cost is coming to 2000+. Are there other alternatives to save time on water for front yard and back yar without spending so much mone...
by andyandyandy
Sat Mar 03, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security in case of 2 W2s
Replies: 3
Views: 468

Social Security in case of 2 W2s

All,

Social Security tax limit for 2017 is 127,200. With my W2 salary from my employer and salary on W2 from my own company and total exceeding the limit- How do I ensure in tax filing that I am not paying Social Security above 127,200? Or is it per W2?

Thanks for your input!
by andyandyandy
Tue Feb 06, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2666

Re: TrueCrypt Alternative

Just checking it below URL is genuine(seems new URL) for veracrypt:

https://www.veracrypt.fr/en/Downloads.html

Thank you!
by andyandyandy
Sat Feb 03, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Single Serve 'auto on at chosen time' coffee maker
Replies: 9
Views: 1052

Re: Single Serve 'auto on at chosen time' coffee maker

If a single cup coffee maker does its job in 30 seconds, what is the purpose of programmable timer? Wake up and push the button, right? Purpose is coffee should be ready so it forces me to wake up at my committed time :) I am trying to put some rules to cultivate habit so that I can wake up early m...
by andyandyandy
Sat Feb 03, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Single Serve 'auto on at chosen time' coffee maker
Replies: 9
Views: 1052

Single Serve 'auto on at chosen time' coffee maker

Bogleheads,

To strengthen my habit of waking up early I need help on choosing a single cup /k cup coffee maker which
Turns auto on on weekday and weekend scheduled time and brews coffee.

Appreciate any suggestions!
by andyandyandy
Sat Jan 20, 2018 5:06 pm
Forum: Non-US Investing
Topic: Moving to Canada
Replies: 15
Views: 2106

Re: Moving to Canada

Hello there. I live in the US and in six month am moving to Canada. Let's say I have $120K in the US that I'd like to invest in a taxable account over the next 2.5 years. There is about 90% chance that I will come back to the US after two years in Canada. Below are the two options I have in mind. 1...
by andyandyandy
Tue Jan 16, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3677

Re: Email Security after equifax breach

Few follow up questions on email(and phone security): As per article below: https://www.forbes.com/sites/laurashin/2016/12/21/hackers-are-hijacking-phone-numbers-and-breaking-into-email-and-bank-accounts-how-to-protect-yourself/#1ecb30ff360f we should have a google voice number too for financials. ...
by andyandyandy
Mon Jan 08, 2018 6:19 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA question
Replies: 2
Views: 408

Re: Backdoor Roth IRA question

Thank you very much!
by andyandyandy
Sun Jan 07, 2018 5:26 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA question
Replies: 2
Views: 408

Backdoor Roth IRA question

Hi BGs, I needed some advice and clarification on back door ROTH IRA. Sorry for the long post. Me and my wife do married filing jointly , both below 50. Our W2 Salary should be close to 180 K but with our company profits we will exceed 250K and not eligible for ROTH. Retirements funds: His Tradition...
by andyandyandy
Sun Jan 07, 2018 5:03 pm
Forum: Personal Investments
Topic: 401k Questions
Replies: 0
Views: 221

401k Questions

Happy New Year Bogleheads! My situation is: Married filing jointly, both husband and wife married below 50. Wife and I both are members of LLC (S Corp Tax treatment). We had Solo 401K but we converted to Regular 401K (Safe Harbor) after we got another employee in our Company. I have self employment(...
by andyandyandy
Mon Nov 27, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1819

Re: overseas vacation questions

Thank you all very much! Very helpful!!!
by andyandyandy
Mon Nov 27, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1819

Re: overseas vacation questions

Thank you all very much! Very helpful!!!
by andyandyandy
Sun Nov 26, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1819

overseas vacation questions

All, I will be outside the US (DC Metro area) for 3 weeks from 2nd week of Dec. Questions I need help with are: 1) I have 2 new cars - (2 years old and 1 year old)- but no garage in my home. Is it okay to leave it outside? Or park it somewhere (Airport?) Should I inform it to Geico? 2) Do I turn off...
by andyandyandy
Fri Nov 10, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 14791

Re: Got an iPhoneX

I just came from Apple Store. iPhone X is smaller but screen bigger than 8 Plus - no doubt. However when I click camera or you tube video there is black spacing on both sides of X. When compared with 8 Plus - 8 plus screen is bigger on youtube video and rear camera. I asked this question to Staff : ...
by andyandyandy
Sat Oct 28, 2017 9:24 am
Forum: Non-US Investing
Topic: What a future expat should NOT do?
Replies: 6
Views: 1401

Re: What a future expat should NOT do?

Good points! and good idea about not leaving from 'bad state'.

Would any state be bad state if they have state income tax or it varies? Would Virginia be a 'bad' state?

Can expats stay invested in I bonds / E Bonds?
by andyandyandy
Sat Oct 28, 2017 7:27 am
Forum: Non-US Investing
Topic: What a future expat should NOT do?
Replies: 6
Views: 1401

What a future expat should NOT do?

I am curious if someone wants to be expat in short (after 2 years) or long term (after 10+years) what would be your strategy? 1) Short Term: Don't buy house Don't buy new car Where to Invest In retirement and where not? Where to Invest In general and where not? 2) Long Term Where to Invest In retire...
by andyandyandy
Tue Oct 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3677

Re: Email Security after equifax breach

Thank you all for so many good advices! Few followup questions: 1) Since we are removing physical and cell phones , what will be the recovery method of your 'google voice mail'? 2) Same question for 'financial email' will it have a recovery 1) email 2) Phone? If yes what is the best way to set it? T...
by andyandyandy
Tue Oct 17, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Tips on Preparing will
Replies: 13
Views: 1554

Re: Tips on Preparing will

Thank you all! Couple follow up questions:

1) How do you deal with any foreign country assets (Fixed deposits, India)?
2) Could the guardian of kids be outside the US?

appreciate further input. Thanks!