Search found 23 matches

by freelancer
Fri May 17, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6169

Re: Guidance on choosing between UMich and Brown

UMich is way better for CS from an employment standpoint. West coast big tech (Google/Facebook/Microsoft/Amazon) hires more people from Stanford and UMich than other schools. This is both because of the perceived rigor of the CS program at UMich as well as the large class size.
by freelancer
Sun Apr 21, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Looking for an easy to clean ultrasonic humidifier
Replies: 1
Views: 195

Looking for an easy to clean ultrasonic humidifier

I've been using ultrasonic cool mist humidifiers while sleeping for a couple of years now and they do wonders for my dry mouth, allergies and sinuses. I've bought 4 different types and they all have the same problem: a pink slime forms in them after a couple of weeks that is very hard to clean. I em...
by freelancer
Fri Feb 22, 2019 1:29 pm
Forum: Personal Investments
Topic: Very high commissions - should I transfer to another account?
Replies: 1
Views: 314

Very high commissions - should I transfer to another account?

My employer uses E-Trade for our stock plan. All stock grants and ESPP go into our stock plan accounts. E-Trade charges really high commissions for trades ($20 per lot + $0.02 per share) I can potentially transfer the stocks to my individual account (I don't know if there's a charge for this) but th...
by freelancer
Mon Feb 11, 2019 2:07 am
Forum: Personal Consumer Issues
Topic: Electrician broke ceiling heat and won't fix it
Replies: 16
Views: 3450

Re: Electrician broke ceiling heat and won't fix it

5. I would never accept a Cadet heater, but if feel you must, insist that they install it with an external thermostat, at lease 15 feet from the heater, and that they install it on exactly the same circuit as the ceiling heat. These two things will substantial increase the cost of the installation,...
by freelancer
Fri Feb 08, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Electrician broke ceiling heat and won't fix it
Replies: 16
Views: 3450

Electrician broke ceiling heat and won't fix it

We hired an electrical company to install a new circuit in our condo. The company had told us that they would make a small hole in the wall to wire the circuit. The electrician instead made three holes in the wall and one in the ceiling without asking us first. Our condo building was built in 1960 a...
by freelancer
Thu Mar 22, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Breaking a car lease - can they charge for miles?
Replies: 10
Views: 1358

Re: Breaking a car lease - can they charge for miles?

The leasing company is a major car manufacturer's financial division.
by freelancer
Thu Mar 22, 2018 4:31 am
Forum: Personal Consumer Issues
Topic: Breaking a car lease - can they charge for miles?
Replies: 10
Views: 1358

Re: Breaking a car lease - can they charge for miles?

She won't need the car in the new city and doesn't want to pay for shipping the car across the country. The kbb dealer value of the car is much lower than the buyout value so she doesn't think she can find a dealer willing to buyout.
by freelancer
Thu Mar 22, 2018 3:22 am
Forum: Personal Consumer Issues
Topic: Breaking a car lease - can they charge for miles?
Replies: 10
Views: 1358

Breaking a car lease - can they charge for miles?

My friend needs to break her car lease 15 months early as she is moving to another city. She is willing to pay out the remainder of her monthly lease payments right now. She still has 10000 miles left on the lease for the next 16 months. The leasing company wants to charge her for "extra miles". The...
by freelancer
Tue May 10, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth: Do I need to file 8606 for a previous year?
Replies: 5
Views: 854

Re: Backdoor Roth: Do I need to file 8606 for a previous year?

Thanks for the advice. I will make sure my balance at the year end is 0 this year.
by freelancer
Tue May 10, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth: Do I need to file 8606 for a previous year?
Replies: 5
Views: 854

Re: Backdoor Roth: Do I need to file 8606 for a previous year?

Thanks for your reply. The 2015 8606 looks like this:

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by freelancer
Tue May 10, 2016 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth: Do I need to file 8606 for a previous year?
Replies: 5
Views: 854

Backdoor Roth: Do I need to file 8606 for a previous year?

I did my first Backdoor roth conversion in 2015. I contributed 11,000 to a TIRA in early April 2015. 5500 of this was for 2014 and 5500 for 2015. Then I converted all of it to a Roth IRA. I had already filed my taxes for 2014 by this time and I did not file a form 8086 for 2014. I did file a form 80...
by freelancer
Sat Apr 16, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth, Mega backdoor roth and the Pro-rata rule
Replies: 5
Views: 1299

Re: Backdoor Roth, Mega backdoor roth and the Pro-rata rule

My mistake.. I'll add the rest of the form here.. everything after 21 is 0:

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by freelancer
Sat Apr 16, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth, Mega backdoor roth and the Pro-rata rule
Replies: 5
Views: 1299

Re: Backdoor Roth, Mega backdoor roth and the Pro-rata rule

Thanks a lot for your reply. That is a relief. I'm not sure if I'm reporting the conversion correctly though .. because currently in the 8086 I'm not paying any tax on the $267 (its actually $267, not $200):

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by freelancer
Sat Apr 16, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth, Mega backdoor roth and the Pro-rata rule
Replies: 5
Views: 1299

Backdoor Roth, Mega backdoor roth and the Pro-rata rule

I'm looking for some advice about the pro-rata rule.. and I'm afraid Fidelity might have messed things up a little for me. In 2015, I wanted to do my first backdoor and mega backdoor roth conversions. Fidelity created a new TIRA account for me. I added $5500 to it and immediately converted it to Rot...
by freelancer
Wed May 27, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my extended car warranty?
Replies: 10
Views: 1599

Re: Should I cancel my extended car warranty?

Yossarian wrote:Yes. You shouldn't have bought it in the first place.
Didn't know any better then. It was my first used car purchase so I wanted to be careful. The question now is whether $592 is a good price for a 1 year warranty starting from today.
by freelancer
Wed Jan 28, 2015 6:46 am
Forum: Personal Investments
Topic: Is VIGIX diversified enough?
Replies: 8
Views: 3460

Re: Is VIGIX diversified enough?

I would choose VIIIX (S&P 500) over VIGIX (Growth Index). Do you have an IRA? I would put small/mid cap into an IRA to counter-balance VIIIX. This is good advice. I haven't set up an IRA yet. I'll exchange the Lifepath and Artisan Midcap shares for VIIIX and buy some small cap fund in the IRA. I'll...
by freelancer
Tue Jan 27, 2015 12:35 am
Forum: Personal Investments
Topic: Is VIGIX diversified enough?
Replies: 8
Views: 3460

Re: Is VIGIX diversified enough?

These are the 401K options (excluding the high ER funds) 1. Stocks: Large Cap: VIGIX,VIIIX,VIVIX (all <0.09 ER) Mid Cap: Artisan Midcap (0.54 ER) Small Cap: VSGIX 2.Bonds: Pimco Total Return, VBIPX I should mention that my taxable is 3 times my 401K. So if I was to do 70% VIGIX and 30% Pimco Total r...
by freelancer
Mon Jan 26, 2015 5:37 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 286746

Re: What experts say about $5,000 watches

And no one, I mean no one is going to be handing down some rubber strapped Casio G-Shock that beeps on the 30 and on the 60 to their son. That junk is going in the garbage before there's a chance for any estate sale. Its easy to forget just how many centuries of mind blowing human innovation is act...
by freelancer
Mon Jan 26, 2015 12:23 am
Forum: Personal Investments
Topic: Is VIGIX diversified enough?
Replies: 8
Views: 3460

Is VIGIX diversified enough?

I'm rethinking my 401k allocations. I didn't really know what I was doing when I set it up 4 years ago and the only advice I had was "Keep expense ratios low" and "buy both stock and bond funds". As it turned out, the 401K performance over the last 4 years has been pretty decent (13% annualized). Th...
by freelancer
Sun Jan 11, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest way to withdraw money from Ally Bank
Replies: 8
Views: 13192

Re: Fastest way to withdraw money from Ally Bank

Thanks for all the feedback. I wonder why they still use something as archaic as fax for wire transfers. If I go with option 1 , I'll have to figure out how to get access to a fax machine. My local bank has an online form for write transfers.
by freelancer
Sat Jan 10, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest way to withdraw money from Ally Bank
Replies: 8
Views: 13192

Fastest way to withdraw money from Ally Bank

I expect that I will need to withdraw a large sum from my Ally Savings account for a home purchase down payment sometime in the next 6 months. Usually the escrow companies ask for either a wire transfer or a cashier's check. I can see three ways of doing this: 1. Direct wire transfer from Ally to Es...