Search found 74 matches

by Fortune
Sun Nov 11, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Move Money Market to Marcus Goldman Sachs Account?
Replies: 4
Views: 654

Re: Move Money Market to Marcus Goldman Sachs Account?

Marcus (ex GS bank) has competitive interest rates with good service.
They only have call center phone support. No online chat and no app support.
by Fortune
Sun Nov 11, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Double taxation
Replies: 6
Views: 1343

Re: Double taxation

Thanks everyone. Will see whats in store!
by Fortune
Sun Oct 28, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Double taxation
Replies: 6
Views: 1343

Double taxation

Wi$e people, Pl clarify my taxation issue of two state tax deductions. Tax season is knocking on the front door! I stayed in State A but relocated to State B for employment. My reloc completed in three months. For these months, my employer deducted state tax for both states (employed state, residenc...
by Fortune
Tue Aug 21, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 5886

JP Morgan to offer free trades

[Thread merged into here, see below. --admin LadyGeek] News - Media has reported JP Morgan to offer free trades via You Invest. Whats the catch? https://www.cnbc.com/2018/08/21/jp-morgan-to-unveil-new-investing-app-with-an-eye-catching-disruptive-price-free.html https://www.wsj.com/articles/jpmorga...
by Fortune
Sat Jul 28, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Tiny pension fund - Can I transfer to Vanguard
Replies: 9
Views: 960

Re: Tiny pension fund - Can I transfer to Vanguard

jwkde wrote:
Sat Jul 28, 2018 10:29 am
Silly question but is your ex-employer offering you the opportunity to move the pension away from them? I just read that you wanted to move it.
Yes they are allowing transfer to Vanguard.
by Fortune
Sat Jul 28, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2069

Re: Sub-500 laptop *brand* suggestions

I have had bad experience myself or my friends for all laptops except Toshiba and Lenovo. See these items currently available if you are interested. 1. https://www.ebay.com/itm/New-Lenovo-ThinkPad-E570-15-6-Notebook-Intel-i5-7200U-2-5GHz-8GB-256GB-Win10/273262285020 2. https://www.bestbuy.com/site/l...
by Fortune
Sat Jul 28, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Tiny pension fund - Can I transfer to Vanguard
Replies: 9
Views: 960

Re: Tiny pension fund - Can I transfer to Vanguard

OP here: Should I initiate transfer from Vanguard (target) or the company where funds currently reside (source). Should I ask source company to send me a check that I can transfer funds to Vanguard. I do not have an IRA with Vanguard now but I do have Roth IRA with Vanguard. I guess these Pension fu...
by Fortune
Sat Jul 21, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Bed room furniture - South NJ, Philadelphia area
Replies: 1
Views: 218

Bed room furniture - South NJ, Philadelphia area

We are planning to buy bed room furniture in south NJ/Philly area. Plan to spend around 2k excluding mattress.
We saw a few stores like Bob's, Mealey's Furniture but not sure if the quality lasts at least 4-5 years.
Any recommendations about local or chain stores.

Thx
by Fortune
Sat Jul 21, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Tiny pension fund - Can I transfer to Vanguard
Replies: 9
Views: 960

Tiny pension fund - Can I transfer to Vanguard

hi wise people. Pl suggest me how to navigate my tiny pension fund. I have a vested pension plan from my ex-employer. Vested balance less than 10k. The monthly benefit will be $45 (yes $ Forty five only) starting 10 years from now. I want to move this fund to Vanguard where I have my 401k and other ...
by Fortune
Tue Jul 03, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3570

Re: International Vacation Ideas

If you want variety in one country, go to India (South India, Western India, North-east, Delhi, Agra, Jaipur). You can get beaches, amazing architecture, wild life, hiking all in one country, with one visa fee. Suits all budgets too!
by Fortune
Sat Jun 30, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Lost phone - Renters insurance
Replies: 4
Views: 440

Lost phone - Renters insurance

Wise people. I lost my cell phone (iPhone 7) in Walmart. Reported to store front-desk and to police. So far no response. Phone is switched-off and no response when I call. I will visit Apple and AT&T today to check if they can locate. I have recently taken renters insurance. Can anyone advise if los...
by Fortune
Sat Jun 16, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1378

Re: Early termination of Cable + Internet

Thanks everyone for responses. I could transfer to my new place with a little reduction and another bundle of channels.
by Fortune
Sat Jun 02, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 3333

Re: Enterprise vs Avis

The best price I found thru https://www.costcotravel.com/Rental-Cars.
by Fortune
Sat Jun 02, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2315

Re: Driving UHaul

Thanks for very very valuable info.

If i hire someone (an individual, not a company) to transport my stuff in his own truck, what precautions need to be taken care.

thx
by Fortune
Fri Jun 01, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5894

Re: Advice for assisting 18 year old son after high school

My two cents: If he is improving himself lately, its a good thing and he needs a little reward.
We need to remember one can change for better and family is the most important!
by Fortune
Fri Jun 01, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Leasing a car in future city
Replies: 2
Views: 254

Re: Leasing a car in future city

You can find good information in
https://forums.edmunds.com/discussions/ ... es-paid/p1 (you can get useful info from members)
https://forum.leasehackr.com/
by Fortune
Fri Jun 01, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 2006

Re: Microsoft Edge versus Chrome

I guess each Chrome tab is processed as a separate program (when viewed in Task manager) and uses more processing power. Chrome also displays more ads. Chrome sometimes has issues with flash. Mostly I use Firefox with required addons (third party apps). I use ccleaner to clear cookies. The history +...
by Fortune
Fri Jun 01, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1378

Early termination of Cable + Internet

hi I have signed up a year ago with a triple-package (Internet + TV + phone) for a two year contract. I am in the middle of move to another place. What conditions I can use to get out of the contract without paying any ETF. The cable company removed my fav channel a couple of months ago. Can I use t...
by Fortune
Fri Jun 01, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2315

Driving UHaul

Wi$e guys. I am planning a relocation from point A to B (400 miles). I have two options: to move my stuff in UHaul or similar service or use a transporter (expensive). Can you pl suggest best practices for using UHaul or similar service (10-12 ft): I never drove transport trucks - do I need any extr...
by Fortune
Sun Apr 29, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: 401K fund selection through Wells Fargo
Replies: 6
Views: 815

Re: 401K fund selection through Wells Fargo

Thank you all, you are the best! :sharebeer
by Fortune
Sat Apr 21, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K fund selection through Wells Fargo
Replies: 6
Views: 815

401K fund selection through Wells Fargo

hi wise folk$, I need guidance in selecting funds for my 401k offered thru Wells Fargo by my employer. Funds available - Fund - Index - Expense Ratio Balanced/LifeStyle ================ Franklin Income Adv FRIAX Balanced/LifeStyle FRIAX 0.47 Bond ==== Federated Instl High Yield Bond Inst FIHBX Bond ...
by Fortune
Sat Apr 14, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - tax deduction
Replies: 2
Views: 377

Roth IRA - tax deduction

Folks, I made an investment of $4000.00 in 2018 as contribution of Roth IRA for the year 2017. Account was opened in Jan 2018. Funds were transferred from my checking/savings accounts (post-tax). Are these investments eligible for any tax savings/reductions while filing taxes for 2017 or 2018. Thx
by Fortune
Mon Mar 26, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Job search expenses - Tax filing
Replies: 1
Views: 239

Job search expenses - Tax filing

hi wise folks, I have a query about claiming job search expenses while filing tax returns. There were several expenses for travel - flight, car: uber, rental, personal and other incidental expenses while unemployed and searching for a new job. How these expenses can be claimed while filing taxes. Do...
by Fortune
Sun Mar 04, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 14
Views: 1534

Re: Roth IRA - Trading

Appreciate all answers.
One last clarification: if I make short term gains from my “trading” but use these gains for reinvestment in Roth itself, what are tax implications. :confused
Thx
by Fortune
Thu Feb 15, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 14
Views: 1534

Roth IRA - Trading

hi wi$e folks, If I open a Roth IRA account and see an appreciation of the funds, can I book profits by selling the funds. The proceeds will go to settlement account and will be used to buy other funds or stay in the settlement account. Is this allowed. What are the tax implications. Is there any re...
by Fortune
Sat Nov 18, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Non-compete clause for employment
Replies: 3
Views: 736

Non-compete clause for employment

hi wise guys, I want feedback on my employment situation. Based in NY. I received an offer from a contracting company (Company A) as their FTE to provide services to (Company B). I will work in the offices of B. I had previously applied as FTE in B well before A recruitment process started. This sub...
by Fortune
Thu May 04, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 17245

Re: Most Common Financial Mistakes

Not visiting Bogleheads forums soon and getting great advice!
by Fortune
Thu May 04, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA accounts - How to handle
Replies: 4
Views: 916

Re: Multiple HSA accounts - How to handle

yes, you can transfer from one to the other. Custodian to custodian is simplest. The banks should have the forms on their website... it's not fast (mine took 6 weeks) but gets done. Consolidate into the most favorable (fees, investment options) If you won't be contributing on your own (if you have ...
by Fortune
Thu May 04, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA accounts - How to handle
Replies: 4
Views: 916

Multiple HSA accounts - How to handle

hi. I have two HSA accounts both are no longer funded by employer. HSA One - funded till end of 2016 HSA Two - funded part of 2017 and stopped due to job loss. Pl suggest how to make maximum out of them - can i transfer funds from one of them to another. My medical expenses so far are low (thank god...
by Fortune
Thu Apr 27, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 3317

Re: Major health issue - finding new employment with health coverage

I haven't had time to read all the replies. I have read of scenarios like this: small company one employee has giant medical bills insurance company raises the small company's rates through the ceiling small company has to let the employee go as it just can't afford the rates. This is the scenario ...
by Fortune
Thu Apr 27, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Thanks for the responses so far. really appreciate everyone with gratitude.
by Fortune
Thu Apr 27, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: How and where to invest if 401k is not offered on W2
Replies: 5
Views: 732

How and where to invest if 401k is not offered on W2

hi friends. here I am again with my ignorance asking for guidance. I will be starting a new contract on W2 soon and the employer will offer 401k only AFTER six months. Till that time, they do not offer 401k even with my own contributions. Can the community pl suggest how and where I can save similar...
by Fortune
Sat Apr 22, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Fortune, Are you on 1099 or W2? If you are on 1099, you can fund your own individual 401K and you can shelter more money from tax. https://www.bogleheads.org/wiki/Solo_401(k)_plan << B. What should I do with my existing 401k from my ex. How long it can remain within the current brokerage.>> You can...
by Fortune
Fri Apr 21, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 10005

Re: Career advice in IT

Unemployment story from and IT worker in Silcon Valley http://www.vox.com/first-person/2016/12/19/13956666/unemployment-men-prime-working-age I feel bad for the guy, but from what I read in the article I didn't get a sense that he has a technical skill set that would qualify one as an 'IT worker'. ...
by Fortune
Fri Apr 21, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 10005

Re: Career advice in IT

If you want to know whats hot in market today, check any job boards - Dice, Indeed, Monster etc.
But work on your MS and certifications. Imagine anything can go offshore.
Network is far more useful than any degrees or certifications or grades.
by Fortune
Fri Apr 21, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Update ====== Thanks to everyone for great replies and suggestions. I waited to give updates. I did get kicked-out by end of March and has been working on many leads so far. Lessons learnt (so far): Opportunities are rare and recruiters tend to give low-ball numbers. I don't know where the recruiter...
by Fortune
Sat Mar 18, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

I have one question for everyone: If i get an opportunity for extension in the same company but in another department (and a possible layoff in 5-6 months from now) or get a severance pay of a few months now (from current department), which option should i choose. I don't expect a severance if I sta...
by Fortune
Fri Mar 17, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

kelway wrote:How healthy / in shape are you? After filing for unemployment, I think I would put a maximum into exercising.
Thanks for asking. No health issues for anyone in the family. Touch wood, Thanks heavens!
Having said that looking for a job is much more work than actual paid gig!
by Fortune
Sun Mar 12, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Good suggestion. I dont have FSA but I have HSA. Will Can you pl suggest how I can use HSA for my advantage. :confused Can I get my physical and other tests done. We dont need any medication except once a month refill for my son ($90+ per refill) An HSA rolls over from year to year unlike an FSA wh...
by Fortune
Tue Mar 07, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Good suggestion. I dont have FSA but I have HSA. Will Can you pl suggest how I can use HSA for my advantage. :confused Can I get my physical and other tests done. We dont need any medication except once a month refill for my son ($90+ per refill) An HSA rolls over from year to year unlike an FSA wh...
by Fortune
Mon Mar 06, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Good suggestion. I dont have FSA but I have HSA. Will Can you pl suggest how I can use HSA for my advantage. :confused Can I get my physical and other tests done. We dont need any medication except once a month refill for my son ($90+ per refill) An HSA rolls over from year to year unlike an FSA wh...
by Fortune
Mon Mar 06, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Use up your FSA if you have one. You are entitled to the full amount for the calendar year even if you leave before the end of the calendar year as will be the case for you. Good suggestion. I dont have FSA but I have HSA. Can you pl suggest how I can use HSA for my advantage. :confused Can I get m...
by Fortune
Sun Mar 05, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

pmelon wrote:Here's my story - I hope you can glean some nuggets from my experience:

Good luck and please let us know how things are going.

PM
I sent a PM. Pl see.

thx
by Fortune
Sun Mar 05, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Sorry to hear that you will be laid-off, I am also in similar situation, counting days for the last day and collect severance. In the last 23 years for me, this happened 4 times, for 2 times, I saw the end coming and was able to move to next job. One time it took 6 months to find employment. Person...
by Fortune
Sat Mar 04, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Ahem. The rust belt. Well, I've been volunteering in a self-help group since I retired on-and-off since 2012. If you're age 45+, there is definitely age discrimination out there, regardless of the law. We always try to ensure all our members are up on social media, such as LinkedIn and Facebook, le...
by Fortune
Sat Mar 04, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Re: Just laid off - what to do

Thanks for the replie$ so far. I have updated my OP with a query on what should be done with my existing 401k with Vanguard.
by Fortune
Sat Mar 04, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 14441

Just laid off - what to do

I got the news pulled from the magic bag. Its that time and I got laid-off. Its my first-ever! I got mandatory 30 days notice before the employer will washoff their hand$! I worked in this company over seven years and will get some severance, unused vacation pay for a few days. As severance will be ...