Search found 240 matches

by Soon2BXProgrammer
Wed Oct 11, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7361

Re: New HSA provider Lively offers investments for $30/yr fee

Does your money go direct from your current HSA to Choice Financial, or does Lively have custody of it? - If it goes direct to Choice Financial, isn't your money safe since they are FDIC insured? - If it does not go direct, I guess the time Lively has it is when you are at risk. - Once the money is...
by Soon2BXProgrammer
Wed Oct 04, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7361

Re: New HSA provider Lively offers investments for $30/yr fee

I assume i was chatting with Shobin Uralil: https://www.crunchbase.com/person/shobin-uralil#/entity for those not faimily with crunchbase its a neat place to look at info about startups: https://www.crunchbase.com/organization/lively-2 I asked in chat about why not on the IRS list/RIA, etc. i was re...
by Soon2BXProgrammer
Thu Sep 28, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4462

Re: Which bogleheads have a "high need to take risk"?

Did somebody just refer to software engineering as a stable field? How quickly we forget 2000. I'm savings so aggressively for retirement because we have layoffs every few months, with more and more people placed in India..... I worry about the fact i just spent the last week interviewing people al...
by Soon2BXProgrammer
Wed Sep 27, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7361

Re: New HSA provider Lively offers investments for $30/yr fee

Your employer lets you choose the HSA custodian? For me no. my employer only supports 1 custodian for paycheck contributions. However, i can open a second hsa anywhere i want, and do a partial (fee free) transfer from that custodian to another custodian, which i've considered doing roughly once a y...
by Soon2BXProgrammer
Wed Sep 27, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7361

Re: New HSA provider Lively offers investments for $30/yr fee

looking to hear from someone that has opened a lively account... this might end up being on my todo list..
by Soon2BXProgrammer
Wed Sep 27, 2017 2:48 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7361

Re: New HSA provider Lively offers investments for $30/yr fee

this looks promising to shake up the providers. nothing like a start up with 8 total people to raise a bunch of money to change things.
by Soon2BXProgrammer
Tue Sep 26, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1067

Re: DIY gas fire pits. Propane or Natural Gas?

Thanks guys. We are in a neighborhood adjacent to a forest green belt and have had nearby forest fires all over the place this fall in this part of the PNW. Open burn bans not withstanding if I was to be putting wood smoke into the neighborhood some evening it would probably freak out the neighborh...
by Soon2BXProgrammer
Tue Sep 19, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation
Replies: 1
Views: 222

529 asset allocation

Looking for some asset allocation advice for the 529 for both my girls. Trying to weigh my willingness and need for risk, vs the unknowns of cost of college changing. We are aggressively funding both of our childrens 529. WIthin the next year or so, we will be done with contributions, effectively fu...
by Soon2BXProgrammer
Tue Sep 12, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8686

Re: When calculating net worth, how do you value your house?

Just a reminder, real estate commissions can be killer... i would recommend that you value your house at 94% (or some other number) of the "value" that you come up with.
by Soon2BXProgrammer
Mon May 15, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 4789

Re: how do you invest your HSA

I treat it as part of my total retirement portfolio. it is in total stock market index. i keep receipts for eventual dispersal. instead of distributing the money and reinvesting in taxable. i have an account balance in 5 digits as well as receipts in 5 digits. but the balance is currently many times...
by Soon2BXProgrammer
Thu May 04, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Unfunded, non-qualified deferred plan - What is this thing?
Replies: 18
Views: 1602

Re: Unfunded, non-qualified deferred plan - What is this thing?

I am intimidated by the complexity and potential for misstep. How complex have you found this plans? Any hiccups or unforeseen issues? normally they aren't that complex. its when "life happens" and because the plan has restrictions, you normally can't change your mind. Some elections in s...
by Soon2BXProgrammer
Wed May 03, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Unfunded, non-qualified deferred plan - What is this thing?
Replies: 18
Views: 1602

Re: Unfunded, non-qualified deferred plan - What is this thing?

My megacorp has the same plan. When compared against just putting extra money into a taxable account there didn't seem to be much benefit because the supplemental plan would essentially be similar to after tax 401k contributions except you are hoping the company doesn't go bankrupt before you need ...
by Soon2BXProgrammer
Wed May 03, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Unfunded, non-qualified deferred plan - What is this thing?
Replies: 18
Views: 1602

Re: Unfunded, non-qualified deferred plan - What is this thing?

i have access to a NQDC plan similar to what you've described. I also have to pick when i want to take my contributions ahead of time (options include age (if terminated) or termination) and how many payments, etc. My decision process around if i should participate is... if i pick an old age to make...
by Soon2BXProgrammer
Sun Apr 30, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2302

Re: Grandparents helping with College tuition

Assuming your not over the estate tax threshold, just gift all the money to the parents to put in 529's as a lump sum, why not open a 529 owned by the grandparents but in grandkids name as beneficiary? btw: some states allow an income tax deduction to a 529, so if the grandparents live in that stat...
by Soon2BXProgrammer
Sun Apr 30, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2302

Re: Grandparents helping with College tuition

We would like to set aside a specific amount (around $10,000 in today's dollars) for each year and each grandchild. It will not be contingent on what college they attend or whether or not they qualify for financial aid or scholarship money. Assuming your not over the estate tax threshold, just gift...
by Soon2BXProgrammer
Wed Apr 26, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: max contribution mulitple employers 401k 403b
Replies: 8
Views: 683

Re: max contribution mulitple employers 401k 403b

Do you have a 457 available where they have a 403b? Then you could put 18k into that. Unless it is a government 457, you might not choose to use it anyway. i dont' believe i have access.. the organization does have a 457... but... in a document i found 403(b) = Faculty and 457(b) and 457(f) both sa...
by Soon2BXProgrammer
Wed Apr 26, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: max contribution mulitple employers 401k 403b
Replies: 8
Views: 683

Re: max contribution mulitple employers 401k 403b

Thanks Spirit Rider, i thought that the 54k was per employer. Your thinking is correct. The employee deferral limit (2017 = $18K) is across all employers . The annual addition limit (2017 = $54K) is per employer (exception noted below). now trying to figure out if its too late to do anything this ye...
by Soon2BXProgrammer
Tue Apr 25, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: max contribution mulitple employers 401k 403b
Replies: 8
Views: 683

max contribution mulitple employers 401k 403b

currently i have a 401k at one employer that i max (54k) through a combination of pretax, aftertax and employer contributions. I now have access to a 403(b) through a different employer, as i am only part time, i don't recieve any matches, but i am allowed to may pretax contributions. i know i am li...
by Soon2BXProgrammer
Thu Apr 20, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to withdraw a positive credit card balance ($2600)?
Replies: 10
Views: 1211

Re: How to withdraw a positive credit card balance ($2600)?

if the credit card company wont cut you a check... you could always close your credit card... i bet that would do it..


if you don't want to do that.. you could buy discounted $500 visa gift cards..

http://www.doctorofcredit.com/safewayvo ... limit-1-2/

you might ask why? you then go to wall mart and buy yourself a money order payable to yourself....
by Soon2BXProgrammer
Tue Apr 18, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

First of all, you're unlikely to be able to convert an American Express to a Visa. I called and made this request in converting my current USAA Visa (that used to be a USAA Mastercard) to this new 2.5% Visa, and the representative I spoke said explicitly that they used to allow that, but stopped so...
by Soon2BXProgrammer
Sun Apr 16, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

USAA 2.5% Cash Back Credit Card DOES NOT REWARD TAX PAYMENTS! See FAQ re; qualified payments. After paying my 1040 and quarterly Federal income taxes I found I was rewarded 1% of the credit card fee. An expensive lesson learned to be sure. how do i find the FAQ? i don't see anything on this page: m...
by Soon2BXProgrammer
Sun Apr 16, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Return - Late 1099int from hsbc - which forms?
Replies: 5
Views: 264

Re: Amended Return - Late 1099int from hsbc - which forms?

oh ok. so in theory.. i send the 1040x (skip the 1040 even though its updated, the 1040x takes it's place)... then i send the schedule B as the last line in "line 1" which says "see additional interest" went up the amount of the 1099. and then i'd include the updated "additi...
by Soon2BXProgrammer
Sun Apr 16, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Return - Late 1099int from hsbc - which forms?
Replies: 5
Views: 264

Amended Return - Late 1099int from hsbc - which forms?

i received a late 1099 from HSBC.... so i needed to amend my tax return... I used turbotax, so i amended using turbo tax. I have a filled out 1040x, i assume i need to sign that and mail it.. Do i need to re-sign the updated 1040? and send it as well? I assume i also need to send the updated schedul...
by Soon2BXProgrammer
Sun Apr 02, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 8063

Re: Vanguard Core Bond Fund (VCORX) One Year on:

robertalpert wrote:Core bond's largest holding ($490 million) is "Japan Treasury Discount Bill". That's 74 percent of Core Bond's total assets. What does this mean about the character of Core Bond's portfolio?


huh?

http://portfolios.morningstar.com/fund/ ... ture=en-US
by Soon2BXProgrammer
Sat Apr 01, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Necessary to repair termite damaged woods?
Replies: 6
Views: 1171

Re: Necessary to repair termite damaged woods?

off topic, but there are some parts of the country is a matter of when you will get termites not if... i didn't realize that based on where i grew up/lived. a buddy moved to Charleston South Carolina and it seemed like every house he looked at has termite damage....
by Soon2BXProgrammer
Fri Mar 31, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: What is deductable? - W-2 Part time online teaching position
Replies: 2
Views: 273

Re: What is deductable? - W-2 Part time online teaching position

thanks. historically i haven't itemized as i don't have enough deductions to make that worth it, so i've taken the free lunch of the standard deduction.

i'll have to read through the pub, but it probably isn't enough expenses to make it worth it.

Thanks
by Soon2BXProgrammer
Thu Mar 30, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is deductable? - W-2 Part time online teaching position
Replies: 2
Views: 273

What is deductable? - W-2 Part time online teaching position

It looks like i will probably be a part time online instructor teaching computer science here shortly... I will be W-2ed, however i won't be provided a computer or internet. If i need those types of tools to do the job; are they deductible expenses? if so, how? (it isn't like i can file schedule c, ...
by Soon2BXProgrammer
Thu Mar 30, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: HealthEquity VIIIX Dividend Distribution
Replies: 12
Views: 1226

Re: HealthEquity VIIIX Dividend Distribution

i see the same symptoms with my account, have you called them to ask whats up?
by Soon2BXProgrammer
Fri Mar 24, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 55
Views: 17329

Re: GEICO vs. USAA auto insurance

Source: https://communities.usaa.com/t5/Auto-and-Property-Insurance/Membership/td-p/99183 The real members buy their insurance directly from USAA and they receive the benefit of the net profits from not only their insurance company but from the rest of ours. We get ours from one of the operating co...
by Soon2BXProgrammer
Mon Mar 13, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

White Coat Investor wrote:I've been checking every time I see this thread pop up. I log in and look under credit cards and offers. Is there someone else I should be looking?


Are you in an approved state?

try this:

https://www.usaa.com/inet/wc/banking_credit_cards_main

then enter your state.
by Soon2BXProgrammer
Sat Mar 04, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: By how much to 9 foot ceiling add to house price?
Replies: 15
Views: 4196

Re: By how much to 9 foot ceiling add to house price?

We are looking at house plans and notice that most have 9 foot ceilings. My guess is that going from 8 foot to 9 foot ceilings would add substantially to the building price because standard building products (dry wall, lumber, etc.) come in 8 foot lengths. Am I correct about this? We have lived in ...
by Soon2BXProgrammer
Sat Mar 04, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye, Wells Fargo, and hello, BECU!
Replies: 17
Views: 3103

Re: Goodbye, Wells Fargo, and hello, BECU!

its worth collecting the extra money from the high interest savings account at becu... i do it... in fact my wife does it as well.. but with flip flopped names on the account.. we effectively have 4 accounts that we share.... checking - husband wife - $$$$ savings - husband wife - 500 checking - wif...
by Soon2BXProgrammer
Wed Mar 01, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

Easy solution: use a monthly ACH push to push atleast $1000. Use the money in the account to pay your credit card bill. if you aren't spending more then 1k a month..... is chasing credit card rewards even worth it? I probably spend $2k on average a month on credit cards. Some goes to certain cards ...
by Soon2BXProgrammer
Wed Mar 01, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

Easy solution:
use a monthly ACH push to push atleast $1000. Use the money in the account to pay your credit card bill.
if you aren't spending more then 1k a month..... is chasing credit card rewards even worth it?
by Soon2BXProgrammer
Sat Feb 18, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Receipts
Replies: 8
Views: 909

Re: HSA Receipts

i keep track of them all.. at the end of the year. i turn the whole years set of reciepts, explaination of benefits, the bill, and the page from my hsa showing i haven't reimburse myself. for every expense into one big PDF with a coverpage I made that has the whole list... i plan to take a year at a...
by Soon2BXProgrammer
Tue Feb 14, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth - tax reporting question - no 1099-R?
Replies: 6
Views: 537

Re: Mega Backdoor Roth - tax reporting question - no 1099-R?

1. you should get a 1099
2. you should pay tax on the gains.
3. i am not sure. keep calling.
by Soon2BXProgrammer
Thu Feb 09, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3495

Re: Boats

Do NOT buy a 2 stroke engine. They are totally banned on many lakes out west and other places. Yes you might find them cheaper but they may be unusable in a few years. Beside the four strokes are usually quieter. I suggest you add a small "kicker" motor to your regular boat to make it goo...
by Soon2BXProgrammer
Thu Feb 09, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3495

Re: Boats

There are a ton of questions you need to answer before finding the right boat for you. I would stick to a 4-stroke outboard; either a Honda or a Suzuki. They have great longevity and quietness and use less fuel than a 2 stroke. Get one that is fuel injected. I spend half my time in boats. If you ar...
by Soon2BXProgrammer
Wed Feb 08, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3495

Re: Boats

i own an old tiderunner (which aren't made anymore).. (1981 model).. but if i was going to buy a new boat... i would buy m with the back to back seat option and the rear corner jump seats since you need to get to 6 people, with the big motor option. i like the chase 17 myself... but since you need 6...
by Soon2BXProgrammer
Wed Feb 08, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 3968

Re: get rid of landline but keep access to 911

I have an OBI as well but don't pay for the 911 service. I figure I'll use my cell phone if possible, and if I must use the "landline" I'll tell the operator where I live. I'm living on the edge, I know i only decided to pay for e911 service because i have two little kids. the oldest know...
by Soon2BXProgrammer
Mon Feb 06, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1949

Re: Employer requesting signing NDA

Tell them you're quitting over the NDA. Be inconsolable. Haha Agreed. best coarse of action. if they want you to sign a non compete, i would only agree for 5x salary bonus at termination (for any reason including quitting) for a 1 year term non compete. then if they want to keep you, they should ev...
by Soon2BXProgrammer
Mon Feb 06, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5906

Re: Keep a Local Bank?

i typically have atleast one local bank at all times... because i churn bank bonuses most of the time.. i have an account with someone
by Soon2BXProgrammer
Sun Feb 05, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 3968

Re: get rid of landline but keep access to 911

i use an obi200 device m connected to google voice you get all your normal phone call free.. then you configure a second connection of the device to anveo E911 service for 15 a year.. m ----- forgot to mention. i disconnected the phone wires in my outside box, from the pole... then i plugged in the ...
by Soon2BXProgrammer
Sun Feb 05, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Car totalled. Need advice on which insurance company to file a claim?
Replies: 30
Views: 2486

Re: Car totalled. Need advice on which insurance company to file a claim?

this is why you have insurance. filing with your insurance doesn't really hurt you as long as the other party is at fault. take your insurance companies offer on handling the situation, and have them deal with the other party. this is why you pay them. yes, temporarily they will have to withhold the...
by Soon2BXProgrammer
Wed Feb 01, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13413

Re: Get $250 from Wells Fargo

FYI. be careful, if you haven't already applied, the wording about who is eligible has changed.

http://www.doctorofcredit.com/wells-far ... -language/
by Soon2BXProgrammer
Tue Jan 31, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Mega Backdoor Roth - Any Tips?
Replies: 12
Views: 1513

Re: Starting Mega Backdoor Roth - Any Tips?

Thanks for pointing this out, leaving the paper losses in the account could really help out over time. I will ensure I attempt to do that as well. I'm thinking maybe a conservative target date fund might be a good option, like LifePath 2025. In my 401K the ER is only 0.08% and it's about a 50/50 al...
by Soon2BXProgrammer
Mon Jan 30, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Mega Backdoor Roth - Any Tips?
Replies: 12
Views: 1513

Re: Starting Mega Backdoor Roth - Any Tips?

1. Any rules around what to invest this money in while it builds up (6 months) in the After Tax portion? I was thinking the same as my AA (signature) but maybe you all have a better suggestion? so this depends what makes sense for you.. not that i recommend this but.. i personally have only stocks i...
by Soon2BXProgrammer
Mon Jan 30, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k question
Replies: 4
Views: 595

Re: Roth 401k question

pretax = don't pay taxes now and during withdrawal you pay tax on the income you deferred and its gains. (everything) all at income tax rates. roth = pay tax now and when you with withdrawal you don't pay tax. for completeness: aftertax 401k (or nondeductable ira) = pay tax now and when you withdraw...