Search found 317 matches

by Thrifty Femme
Wed Jul 04, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3534

Re: Cordcutters - Playstation Vue

I am a currently a Playstation Vue customer, but I'm thinking about switching to Spectrum's Choice TV which is pick 10 channels from the following list fro $21.99/month KIDS Disney XD, FreeForm, Disney Channel, Disney Jr., Cartoon Network, Nickelodeon, Animal Planet FAMILY Discovery, History, TLC, T...
by Thrifty Femme
Wed Jul 04, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12760

Re: Best 401k Employer Match Structure

My employer matches 50% on 7% of salary and allows non-roth after tax contributions and in-plan roth conversations for non after tax contribution . Vesting is 5 years. We also have a pension with 3-year vesting. The Mr.'s employer matches 53% of contributions and just added non-roth after tax contri...
by Thrifty Femme
Wed May 30, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Any Mini Cooper owners care to comment on the reliability of the 2014 and up model year?
Replies: 4
Views: 634

Re: Any Mini Cooper owners care to comment on the reliability of the 2014 and up model year?

If you do buy one, 16" wheels make for a much smoother ride than the 17" wheels that come with packages found on most cars at the dealership. FWIW, my 2006 Cooper S is still rolling just fine :happy
by Thrifty Femme
Sat Mar 17, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 32404

Re: Those with high savings rate: why?

Personality quirk. I have been a saver since I was 5 years old and learned the meaning of money.
by Thrifty Femme
Sat Mar 17, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2692

Re: New job transition and pregnant - when to inform employer?

We've had a lot of good news this week. On Wednesday morning, DW got a job offer that we were praying and hoping for. When they asked her what she was expecting in terms of salary, she didn't want to risk losing the offer, so she asked for what we thought was the market rate. When the offer came th...
by Thrifty Femme
Sat Feb 03, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 95228

Re: Bank of America/Merrill Edge - Preferred Rewards

Due to the new (up to) $900 bonus for opening a new IRA at Merrill Edge, I am considering moving one or both of my wife's two IRAs from Vanguard to ME. What I'm curious about is if her new ME IRA balance would be combined with my existing accounts (IRA and taxable) for Preferred Rewards purposes. I...
by Thrifty Femme
Fri Feb 02, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: New ROTH IRA Strategies
Replies: 30
Views: 4154

Re: New ROTH IRA Strategies

Pajamas wrote:
Fri Feb 02, 2018 4:17 pm
You might want to edit your post and insert some blank lines to separate it into paragraphs. It is difficult to read as-is.
+1
by Thrifty Femme
Sat Jan 27, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 4123

Re: I don't think my lady is very good at saving money, how do I handle?

You don't need to handle anything. You need to setup hers, ours, and his accounts. You should contribute equal percentages to the ours account, and pay joint expenses from that account. This way she can spend her money as she sees fit, and you can continue to be judgemental about it :wink:
by Thrifty Femme
Sat Jan 27, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184556

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

lisaneedsbraces wrote:
Wed Jan 24, 2018 7:51 am
The Merrill Edge $1000 offer seems to be working now as well. The landing page still shows it as expired but it is no longer giving an error when proceeding with the code like it was a few days ago.
Do you still have the link?
by Thrifty Femme
Tue Jan 23, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9795

Re: Working in the real world

I realize that this is basically a vent but sometimes I wonder if I am crazy or everyone else is. Where do you live? All the jobs sound low to me. My nephew started as an accounting dept employee (b.s. In business) at $45k per year and at least 3 weeks vacation. He works 40-45 hrs a week. NE Ohio. ...
by Thrifty Femme
Tue Jan 23, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 2153

Re: Disability Insurance - Physician

I'm not a physician but my broker, Stephanie Pearson , is a physician that has first hand experience trying to claim disability insurance. I chose her because of her personal experience and he willingness to advocate for her clients. She doing an excellent job of explaining each carrier's definition...
by Thrifty Femme
Mon Jan 22, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 44
Views: 7806

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

doesn't work with mint. big annoyance TBH. +1. I've also been with them for years (since it was GE Capital). No complaints about transfers or customer service, but the intermittent connectivity with Mint is annoying. Integration works fine with Personal Capital so far. In my case, mint perfectly sy...
by Thrifty Femme
Mon Jan 22, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 44
Views: 7806

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

doesn't work with mint. big annoyance TBH. +1. I've also been with them for years (since it was GE Capital). No complaints about transfers or customer service, but the intermittent connectivity with Mint is annoying. Integration works fine with Personal Capital so far. In my case, mint perfectly sy...
by Thrifty Femme
Wed Jan 10, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 6089

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I am not a daily task person. So I hate the scrum calls. Over and over and over. Every single day. Much of my team is in India, so i sometimes start my day at 6:00am or earlier - I am a night person. Collaboration is difficult when on different continents. Mgmt is trying to homogenize developers. E...
by Thrifty Femme
Wed Jan 10, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 6089

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I am not a daily task person. So I hate the scrum calls. Over and over and over. Every single day. Much of my team is in India, so i sometimes start my day at 6:00am or earlier - I am a night person. Collaboration is difficult when on different continents. Mgmt is trying to homogenize developers. E...
by Thrifty Femme
Sat Jan 06, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 9578

Re: How much are you putting in a 529?

2k per child to get the state tax deduction.
by Thrifty Femme
Tue Jan 02, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on a Lease option agreement and Seller's risks
Replies: 5
Views: 485

Re: Taxes on a Lease option agreement and Seller's risks

You should post on biggerpockets.com. Also, I would not do this with family.

ETA: Find a realtor that specializes in lease option agreements.
by Thrifty Femme
Tue Jan 02, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 104
Views: 8694

Re: HSA Family $6,750 limit questions

So if my wife & I have a HDHP and we both are over 55 years old, can we contribute for 2018, $6900 + $1000 = $7900 (family limit) or can we contribute $6900 + $1000 + $1000 = $8900 (seeing we are both over 55)? Yes, but the $1000 for whomever is not the primary for the insurance must be deposited i...
by Thrifty Femme
Sun Dec 31, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: help me replicate total stock market with s&p/mid/small cap in 401k
Replies: 3
Views: 268

Re: help me replicate total stock market with s&p/mid/small cap in 401k

Search the wiki for approximating total stock market. I'd link to it but I'm on a phone.
by Thrifty Femme
Sat Dec 30, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance Riders/Waivers
Replies: 11
Views: 713

Re: Disability Insurance Riders/Waivers

What's your profession? Is your employer provided benefit optional?
by Thrifty Femme
Fri Dec 29, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 35301

Re: Ally Bank 11 month [No-Penalty CD]

This may help others in similar situation. Was not able to open checking account due to credit freeze, got message that someone would call in 3-5 days. They called today, turns out you have to lift freeze on BOTH ChexSystems AND TransUnion. They said to call back after i did that. So i lifted freez...
by Thrifty Femme
Fri Dec 29, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24195

Re: Do people still use AAA?

AARP has a partnership with AllState for a AAA type product . So it appears the AARP Allstate program is $94/yr for 2 people for 100miles towing ("Premier") or $74 for the regular with 5 miles tow. You get $20 off the first year when you sign up thru AARP. So not really much of a savings vs normal ...
by Thrifty Femme
Fri Dec 29, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Maxing out 401k with purely after-tax contributions?
Replies: 5
Views: 759

Re: Maxing out 401k with purely after-tax contributions?

I have a strange question. Suppose someone with a salary of 60K has access to a 401k plan through their employer and the plan permits after-tax (non-Roth) contributions. If no employee deferrals were made during the year (and thus no employer match), could the person on December 31st fund the 401k ...
by Thrifty Femme
Thu Dec 28, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

2bdbest wrote:
Thu Dec 28, 2017 6:32 pm
Hopefully until I retire.
In that case I think you are better off using a taxable investment account. I guess you could try lobbying your company for in-service withdrawals.
by Thrifty Femme
Thu Dec 28, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 45
Views: 4678

Re: Paying taxes with credit card?

Yes, I've paid local taxes, which doesn't charge an extra free, and property taxes, which charges a 2.35% fee, with a credit card. I use the Citi Double Cash Back card for 2% back. The net .35% fee for the property taxes was only about $11, but the federal tax savings was more than worth it.
by Thrifty Femme
Thu Dec 28, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

2bdbest, What ever came of this? I am also in a situation where this and another thread of yours (about Rolling money/Trustee-to-trustee/IRS roll over limits) is relevant to me. I am in a plan that allows 5% of my pay to go to Non-Roth After Tax and I have in-service withdrawals. My Roth IRA is wit...
by Thrifty Femme
Thu Dec 28, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24195

Re: Do people still use AAA?

So I just investigated and I can get State Farm Emergency Roadside Assistance coverage for $4.60 every 6 months. So on 2 cars, for a year, $18. So could easily drop my wife off AAA (it is $30 for her piece) and save a few bucks. Then I question the value of spending $58 for myself to keep AAA just ...
by Thrifty Femme
Wed Dec 27, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door roth
Replies: 13
Views: 1641

Re: Mega back door roth

You can use the spreadsheet in the Mega Backdoor Roth Without In-Service Distribution article from The Finance Buff to help in your analysis.
by Thrifty Femme
Tue Dec 26, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58819

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

So I have the option of prepaying my property tax for our own home as well as for our rental property. If we can only pay for one in 2017, is it more tax advantageous to prepay our home property tax or the property tax for our rental property? Thank you! According to this article from the National ...
by Thrifty Femme
Sun Dec 24, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24195

Re: Do people still use AAA?

So I just investigated and I can get State Farm Emergency Roadside Assistance coverage for $4.60 every 6 months. So on 2 cars, for a year, $18. So could easily drop my wife off AAA (it is $30 for her piece) and save a few bucks. Then I question the value of spending $58 for myself to keep AAA just ...
by Thrifty Femme
Sat Dec 23, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24195

Re: Do people still use AAA?

So I just investigated and I can get State Farm Emergency Roadside Assistance coverage for $4.60 every 6 months. So on 2 cars, for a year, $18. So could easily drop my wife off AAA (it is $30 for her piece) and save a few bucks. Then I question the value of spending $58 for myself to keep AAA just ...
by Thrifty Femme
Thu Dec 21, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12760

Re: Best 401k Employer Match Structure

My previous employer was 53% match of regular contribution up to 15% of eligible compensation per pay period with a true up in February of the next year if you were employed on December 31. Vesting was six years though.
by Thrifty Femme
Wed Dec 20, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 3121

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

Broken Man 1999 wrote:
Wed Dec 20, 2017 12:27 pm
Concerning the "thing" that cannot be discussed.... does anyone know of any user friendly updated tax casters/estimators?

Broken Man 1999
I found this calculator http://taxplancalculator.com/
by Thrifty Femme
Sun Dec 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8562

Re: New job offer - background check

Did the application process have questions about legal history? Does this firm have a history of terminating people if additional information is discovered after hiring? It may not be legal for that to occur if it does but companies have their ways of achieving their goals. This is basically a ques...
by Thrifty Femme
Sat Dec 09, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 40775

Re: Best HSA (2017)

user85613 wrote:
Sat Dec 09, 2017 2:16 pm
Which has the least headache when transferring to Lively, a rollover or trustee-to-trustee transfer?
Probably rollover. It took over a month to do a trustee-to-trustee transfer from HealthEquity.
by Thrifty Femme
Sat Nov 25, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Disability Insurance Wiki Article
Replies: 0
Views: 183

Question: Disability Insurance Wiki Article

Under the Must Haves list in the disability insurance wiki article #6 says "Coverage past the age of 65 or money that goes into a trust for retirement." How does this work? For every single quote I have received, coverage ends at 65 without any mention of a trust :confused Is there a specific rider ...
by Thrifty Femme
Wed Nov 22, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14217

Re: Help DW gets fired, but then next day her boss offers her job back

Background info: Emergency fun- 12 months Debt- Mortgage 10 yrs at 3.19%, no other debt. My salary- With only my paycheck we will be upside down about 600/ month. We won't be able to fund Roth IRAs and pay extra principal every month. So yesterday, DW calls me at work to tell me she was just let go...
by Thrifty Femme
Sat Nov 11, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

I just came back from talking to HR for the 2nd time about after tax contributions. The benefits person keeps telling me I can NOT make after tax contribution because I already maxed out to $18,000 for the year. I keep explaining to him that's the max for the pre-tax contribution. That I have up to...
by Thrifty Femme
Fri Nov 10, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 37439

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

Does TDA's DRIP not apply to Vanguard ETFs after they leave the commission free list?
by Thrifty Femme
Fri Nov 10, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

I just came back from talking to HR for the 2nd time about after tax contributions. The benefits person keeps telling me I can NOT make after tax contribution because I already maxed out to $18,000 for the year. I keep explaining to him that's the max for the pre-tax contribution. That I have up to...
by Thrifty Femme
Fri Nov 10, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

Ah, I didn't see the spreadsheet. Your link says "Mega Backdoor Roth Without In-Service Distribution" but for some reason when I clicked on the link, it took me to an article titled "Mega Backdoor Roth and Access To Your Money Before 59-1/2" instead. And it didn't have the spreadsheet. Oops, fix now.
by Thrifty Femme
Thu Nov 09, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

Mega Backdoor Roth Without In-Service Distribution should help with your analysis. Unless I'm misreading it, the linked article appears to be addressing a different scenario, i.e. being able to access funds, before age 59 1/2, that made it all the way into the Roth IRA after a fully completed Mega ...
by Thrifty Femme
Thu Nov 09, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 4015

Re: Mega Backdoor questions

Mega Backdoor Roth Without In-Service Distribution should help with your analysis.

ETA: Fixed the link to go to the correct article.
by Thrifty Femme
Tue Nov 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 37439

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

If you’ve got $40K in HSA funds, never planning to withdraw them until much later, and just want to invest once a year in a broad find like Total Stock Market, which account is the best? Saturna at $24.95/year if you can deal with the mountain of paper work for the application. Do a search for best...
by Thrifty Femme
Tue Nov 07, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30562

Re: How old are you and how much do you save for retirement a year

Average age 41
Tax advantaged
36,000 401k x 2 +
5845 vested match +
6750 HSA +
11,000 roth IRA +
22,000 Mega Backdoor roth
81,595

Taxable
12,173

Total is 94,103. I never bothered to total up before. Now I don't feel so bad about the vacation we are about to take for Christmas!
by Thrifty Femme
Tue Nov 07, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 3791

Re: When did you start investing in taxable accounts?

2016. My household had 18 month EF, maxed HSA, both 401k's and both Roth IRA's, for a few years before moving on to taxable.