Search found 44 matches

by fastpace_re
Tue Jan 09, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 5070

Re: Forgot to make my $5500 contribution for 2018

Thanks guys. I needed (and expected) these responses. I just needed to double-check myself that I was being ridiculous for giving this any thought. You can't change the past, so there's no sense in kicking yourself for what you forgot to do last week. Going forward, maybe you should set a reminder f...
by fastpace_re
Tue Jan 09, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 5070

Forgot to make my $5500 contribution for 2018

Forgot to make my $5500 contribution for 2018 on Jan 2.

And apparently the stock market has had the best start to a year since 1987.

Should I be kicking myself that I'm not getting my money in until today (or tomorrow)?

Ugh, I hate when little things like this bother me.
by fastpace_re
Mon Aug 21, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 4412

Re: Lastpass anyone use it?

I've used 1Password for years with no issues.
by fastpace_re
Wed Aug 09, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Issue with PNC Bank
Replies: 8
Views: 999

Issue with PNC Bank

Here is an issue I'm having a really hard time dealing with. It has to do with PNC Bank. My PNC Everyday Rewards Credit Card was flagged for fraudulent activity. I called about this and they said a new card would be sent to me; and that I should expect it within 7-10 business days. It got to busines...
by fastpace_re
Thu Apr 27, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Refinance or sell?
Replies: 6
Views: 671

Refinance or sell?

Advice needed. I am planning on moving at some point in the next couple of years. I've actually been planning on this for the past couple of years but just haven't. Frankly, where I'm at is fine for the time being but it's definitely not my long-term solution. It's a ranch 2 BR house (I'm a single D...
by fastpace_re
Wed Feb 17, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley in Taxable
Replies: 10
Views: 2744

Wellesley in Taxable

Quick question for you guys. Several years ago, my father recommended that I buy some Wellesley and use this as my Emergency Fund/Savings rather than letting this money sit in a Savings account receiving terrible interest rates. Yes, there was always some risk associated with this - but overall, it'...
by fastpace_re
Sat Dec 12, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 104
Views: 13801

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Thanks for all the replies everyone. A lot of very good points. In regards to my daughter: I share parenting 50/50 with her mom. We get along fine and yes, my daughter is definitely the most important thing in my life right now. I never really looked at my girlfriend's finance situation as being pot...
by fastpace_re
Thu Dec 10, 2015 12:17 am
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Re: Use Credit Card Company to Resolve Charge at Car Shop?

I think everyone here can agree to disagree at this point. I've heard totally opposite things from everyone here. Some say I was in the right, others think I'm being petty. Bottom line - the company treated me like garbage and they lost my business for that. I don't care about the $58 refunded, but ...
by fastpace_re
Thu Dec 10, 2015 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 104
Views: 13801

Re: Single & Frugal or Coupled & (Financially) Incompatible?

I'm going to revive this thread because it's been something I've been dealing with recently personally. Some background info: I recently turned 30 (August of this year). I also have a 7-year old daughter from a previous relationship (although never married). I've been dating a girl since early 2012,...
by fastpace_re
Tue Dec 01, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Re: Use Credit Card Company to Resolve Charge at Car Shop?

They did call me back once and left a rude voicemail. The voicemail didn't even answer my questions. After that, I tried on numerous occasions trying to get a hold of them and they would never return my calls. This is a Honda dealership.
by fastpace_re
Tue Dec 01, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Re: Use Credit Card Company to Resolve Charge at Car Shop?

I am pretty sure that they don't want you coming back anytime soon either. I know if I were performing a service (even if just diagnostics) and you refused to pay for that service I would no longer desire you as a customer. There was no service or diagnostic performed. They refused to give me an es...
by fastpace_re
Wed Nov 25, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Re: Use Credit Card Company to Resolve Charge at Car Shop?

Just wanted to update everyone on what happened with this. I did end up filing a complaint with the BBB. After the dealership stumbled around every excuse they could come up with, they finally agreed to send me a check for $58. That check showed up in my mailbox today. It took a couple months to get...
by fastpace_re
Fri Sep 04, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Re: Use Credit Card Company to Resolve Charge at Car Shop?

OP here. Thanks for the replies. Nope, didn't sign anything. I've taken it to the same dealer before and never had a charge like that before for an "estimate." The bigger question is why can't they simply return a phone call and explain how this charge is calculated?
by fastpace_re
Fri Sep 04, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 5158

Use Credit Card Company to Resolve Charge at Car Shop?

Hi everyone, Probably a petty thing but it's still on my mind so I'm debating considering my options here. I took my car into the dealer a little over a month ago. I wanted to get an estimate on new brake pads, etc. I got my estimate via the phone (after dropping my car off for the day) and decided ...
by fastpace_re
Mon Aug 17, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my retirement plan!
Replies: 5
Views: 1111

Re: Help me with my retirement plan!

OP, Based on the info in your post, I would prioritize roth ira over 401k. since the company bonus aka match is not based on your 401k contribution and you dont control the investments, I would also not contribute to 401k through regular paychecks (if they are going to be deposited at the end of ye...
by fastpace_re
Mon Aug 17, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Help me with my retirement plan!
Replies: 5
Views: 1111

Re: Help me with my retirement plan!

Anyone think I should just be using my bonus at the end of the year as a 401k contribution? (Basically electing to put 100% of my bonus into 401k)
by fastpace_re
Fri Aug 14, 2015 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my retirement plan!
Replies: 5
Views: 1111

Help me with my retirement plan!

So I've posted here with some similar questions in another thread a few months back, but I think I'd rather simplify my questions. I just want some general advice on how to handle my company's retirement options (and to figure out my asset allocations correctly). Basic info: -29 years old (turn 30 t...
by fastpace_re
Mon Aug 10, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: Should I sell my house?
Replies: 13
Views: 1900

Re: Should I sell my house?

Thanks for all the replies! Lots of good feedback. Definitely appreciate it. Has the house gained or lost in value? What kind of market is there right now. Will it cost you money to get out, and if so, how much? Do you know what a realtor will charge? Are you prepared for the hassle of getting ready...
by fastpace_re
Sat Aug 08, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: Should I sell my house?
Replies: 13
Views: 1900

Should I sell my house?

A bit of background info: -29 years old (turn 30 this month) -Single father w/ 6 year old (soon to be 7) daughter and share parenting with mother 50/50 -Have a 2 bedroom/2 full bath ranch house that I bought in 2010. Still at 5.25% APR -Live in Ohio -Salary is $52k/year and work typical 8-5 hours in...
by fastpace_re
Fri Aug 07, 2015 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Pension Funds into Vanguard IRA Question
Replies: 9
Views: 1379

Re: Rollover Pension Funds into Vanguard IRA Question

As a pension employee I am sorry to hear you are losing the pension. It is a shame what companies are doing to their employees to make bigger profits. The greed of these companies are why so many employees will never retire. And then they set you up with a bad 401k plan. Since it is a small busines...
by fastpace_re
Fri Aug 07, 2015 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Pension Funds into Vanguard IRA Question
Replies: 9
Views: 1379

Re: Rollover Pension Funds into Vanguard IRA Question

Thanks! Looks like I'll go with my gut, pick #3 and just open up a new IRA for these rollover amounts. For someone who has chosen to keep things extremely simple and just have one Target Retirement fund in my Roth, would you say just use the same Target Retirement fund for the new Traditional IRA ac...
by fastpace_re
Thu Aug 06, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Pension Funds into Vanguard IRA Question
Replies: 9
Views: 1379

Rollover Pension Funds into Vanguard IRA Question

Hi there, The company I work at is terminating the Pension Plan and I have about $20k sitting in the Pension funds. We have 3 options. Basically, they are: 1) Take a payout (w/ penalty and taxes) 2) Roll directly into our Profit Sharing Plan (where all my other retirement money is - lack of flexibil...
by fastpace_re
Mon Apr 27, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Car Advice Needed
Replies: 10
Views: 1736

Re: Car Advice Needed

Thanks for all the advice guys. To answer some of the questions - yes I could afford a used car out of pocket if I had to. The only reason I've kept the loan is because the interest is practically nothing and I'd rather invest any extra cash myself - rather than turn down (practically) free money I ...
by fastpace_re
Sat Apr 25, 2015 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: 29 y/o Financial Situation/Portfolio Suggestions
Replies: 6
Views: 1358

Re: 29 y/o Financial Situation/Portfolio Suggestions

Just wanted to comment that I'm your age (29) and make exactly what you make ($52k a year). I live in Cincinnati, OH, work in the IT field and do programming, etc. I know tons of people my age who work in a similar field who make a lot more than me but they're also pretty miserable. I went to colleg...
by fastpace_re
Tue Apr 21, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Car Advice Needed
Replies: 10
Views: 1736

Car Advice Needed

I have a 2012 Honda Civic that I bought new at 0.9% APR. Since the interest is practically nothing, I've not let the "car payment" aspect bother me too much. These are the details on my loan: Maturity Date: 3/12/2017 Payoff Amount: $5910.75 Unfortunately, I've had a couple of accidents in the past c...
by fastpace_re
Mon Feb 23, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Help
Replies: 18
Views: 1444

Re: Investing Help

Hi, notice the similar name? I think you guys are too young for target funds. And I would get rid of that financial advisor if I were you. That stuff he has you buying is paying him a commission so your investment is starting off behind by the commission amount. I recommend you start educating your...
by fastpace_re
Fri Feb 13, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 232
Views: 62952

Re: AAPL

airahcaz wrote:
fastpace_re wrote:
airahcaz wrote:
boroc7 wrote:
airahcaz wrote:Momentum pushes it higher till iWatch?
The iWatch doesn't exist.
Yet
I think he meant the name iWatch doesn't exist. It is called Apple Watch.
Yet
Oh it exists. You just can't buy it. Yet.
by fastpace_re
Wed Feb 11, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 232
Views: 62952

Re: AAPL

airahcaz wrote:
boroc7 wrote:
airahcaz wrote:Momentum pushes it higher till iWatch?
The iWatch doesn't exist.
Yet
I think he meant the name iWatch doesn't exist. It is called Apple Watch.
by fastpace_re
Thu Feb 05, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Question Regarding Vanguard
Replies: 3
Views: 588

Simple Question Regarding Vanguard

Hi there, I've had a Vanguard account for many years but only for personal taxable investing (mutual funds held in a taxable account and buying stocks). I decided to open up a Roth IRA through Vanguard last night so I followed all of the steps... Now, when I log in to Vanguard I see two separate bro...
by fastpace_re
Tue Feb 03, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2529

Re: Funding ROTH for last year and this year, advisable?

It does not matter if you contribute before or after you file taxes. Does anyone know why certain tax software asks you if you made a contribution to a Roth IRA in the year 2014? Using the H&R Block software, I got to the question that said "Did you make any contributions to a Roth IRA in 2014?" an...
by fastpace_re
Tue Feb 03, 2015 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

Not only that. Look at how "good" the loss is in the bad years. It looks like they're invested in a fairly conservative model. Are you saying this fairly conservative model is a good or bad thing in my case? So are you suggesting I keep things in the plan or should I roll over when I have the chanc...
by fastpace_re
Tue Feb 03, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

http://www.401khelpcenter.com/faq/faq_14.html#.VMkYfy60Lb4 It sounds like you company is violating this rule, but if the company is controlling the investments, it's possible they are putting the money into the trust as required and then investing it in cash. Is there a return on the cash in the tr...
by fastpace_re
Thu Jan 29, 2015 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

1) We are allowed to withdrawal (with a penalty) or roll over into our own account every 5 years. My 5-year withdrawal date is coming up. Should I consider moving this into my own IRA where I could better manage this myself? Or should I continue to let the company manage it for me while I'm there a...
by fastpace_re
Wed Jan 28, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

This once a year deposit on contribs into funds puzzles me. I was a business mgr for a CPA firm and had to make deposit to our fund company within 2 days of cutting payroll. Is holding the employee contribs a violation of ERISA or sumthin? I would love to know more on this topic. I would really lik...
by fastpace_re
Wed Jan 28, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

Are you contributing to Roth 401k and Roth IRA or to trad 401k and Roth IRA? Also, what is the logic behind every other year of head of household? Right now I'm contributing to both the Roth 401k and the 401k through my company. I'm getting ready to open up a Roth IRA through Vanguard though and ma...
by fastpace_re
Wed Jan 28, 2015 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Re: Need serious help regarding my company's retirement plan

Don't let the perfect be the enemy of the good. I don't really see much bad here; the fees are paid by the company. Remember that waiting til the end of the year means an average 6 mo delay; not really that significant. The main problem is that the investing is one-size fits all; not appropriate fo...
by fastpace_re
Wed Jan 28, 2015 12:01 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

Re: 29 Year old Seeking Investment Advice

I ended up creating a new thread specifically on the topic of my company's retirement plan. You can view it here:

viewtopic.php?f=1&t=156783
by fastpace_re
Tue Jan 27, 2015 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 2361

Need serious help regarding my company's retirement plan

So I posted awhile back here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=155038 However, I'd like to open up this thread specifically regarding my company's retirement plan. Basically, it's a small business (around 45 employees) and they have a retirement plan that they call the Trust. It ...
by fastpace_re
Sun Jan 25, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Very Basic Question on Roth IRA - Deadline?
Replies: 10
Views: 1098

Very Basic Question on Roth IRA - Deadline?

Straight from rothira.com: "Assuming your IRA was opened by Dec. 31, 2014 , you have until the tax filing deadline–April 15, 2015–to make a 2014 contribution. The income/contribution limits may increase for the 2015 tax year." I have been told otherwise on these forums - that I could open up a Roth ...
by fastpace_re
Sat Jan 10, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

Re: 29 Year old Seeking Investment Advice

Wellesley has been an excellent mutual fund for 40 years - for an investor who needs its conservative, income-oriented asset allocation. It may be less than ideal for a young investor who wants asset growth. And less than ideal in a taxable account. So as a 29 year old, with basically all of my Eme...
by fastpace_re
Sat Jan 10, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

Re: 29 Year old Seeking Investment Advice

You have until April 15 (tax filing deadline) to contribute for the previous year. Don't wait until the last minute, though. Go ahead and open the account now. Hmm I could have sworn someone on this forum said the account had to be open by Dec 31st 2014 to be able to contribute for that year. I gue...
by fastpace_re
Sat Jan 10, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

Re: 29 Year old Seeking Investment Advice

Thanks for the advice. Everything I'm reading makes me lean towards maxing out a Roth IRA before doing anything else. As of now, the 401k and Roth 401k at my company provide no benefit other than the fact that I could contribute more than the $5,500 limit that I'd get with a Roth IRA. However, I hav...
by fastpace_re
Thu Jan 08, 2015 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

Re: 29 Year old Seeking Investment Advice

Anyone? If I need to be more or less detailed... please let me know. Thanks!
by fastpace_re
Wed Jan 07, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Year old Seeking Investment Advice
Replies: 9
Views: 2284

29 Year old Seeking Investment Advice

Hi there, Been reading these forums for awhile now but never posted until just now. Here is my situation... I'm 29 years old, working at a company that has a somewhat unique retirement trust plan. More detailed info on that below. I make about $52k/year before bonus (which is not guaranteed but can ...