Search found 303 matches

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: 37
Views: 4475

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: 37
Views: 4475

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: 7364

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: 407

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: 8073

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: 170

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: 575

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: 30815

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: 242
Views: 15610

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: 642

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: 3439

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: 4185

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: 3439

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: 242
Views: 15610

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: 4
Views: 796

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: 878
Views: 48561

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: 242
Views: 15610

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: 242
Views: 15610

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: 114
Views: 8922

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: 2718

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: 7393

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: 35965

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: 136

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: 12336

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: 3439

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: 154
Views: 18836

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: 3439

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: 3439

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: 3439

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: 3439

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: 154
Views: 18836

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: 150
Views: 13769

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: 2950

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.
by Thrifty Femme
Sun Nov 05, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2230

Re: Lets talk emergency funds and I-bonds

gips wrote:
Sat Nov 04, 2017 10:24 pm
people are worried about tdirect hacking but not paper bonds? can't paper bonds be stolen or lost?
Read the thread I linked. TD will make you whole for paper bonds, which are being phased out, but electronic bonds do not explicitly have the same guarantee.
by Thrifty Femme
Sat Nov 04, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2230

Re: Lets talk emergency funds and I-bonds

There are serious concerns about Treasury Direct's willingness to make you whole in the event of hacking through no fault of your own. Proceed with caution.
by Thrifty Femme
Sat Nov 04, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 980

Re: Anyone else have problems with Fitbit products?

Yes, their products are terrible! They fall apart in less than six months of daily wear. I have gone through three. One was replaced under warranty after six months, and I said forget it when that one fell apart within six months too. My DH, against his better judgement, bought me last year's new mo...
by Thrifty Femme
Sat Nov 04, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 4036

Re: How has your AA philosophy changed over the years?

When I first found this site in 2015, my household was 100% stocks. We were 100% stocks because Suze Orman said bond funds were dumb. Since she didn't recommend an individual bond, we didn't buy any bonds. We road out the great recession by not looking at our statements! Soon I learned this was an u...
by Thrifty Femme
Mon Oct 30, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 688

Re: Roth 401K to diversify retirement income?

I think I'm over thinking this or not fully understanding it. To answer your question, I would contribute to a Roth 401K because I can put more than the Roth IRA limit in it. Also, my income is too high and I have too much in traditional IRAs to do a backdoor Roth. Maybe continuing to max my regula...
by Thrifty Femme
Sun Oct 29, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10071

Re: we bought a house - are we housepoor now?

panchilly wrote:
Sun Oct 29, 2017 3:46 pm

Could you explain how having 1 child would suddenly make us house poor given we are projecting 40+K of incremental savings in the next year after buying this house?
In addition to moving to a single income, multiple kids might mean outgrowing the house.
by Thrifty Femme
Sun Oct 29, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 58179

Re: Retirement Account Stolen by Identity theft

This is ridiculous. You need to go to the media ASAP. Clark Howard, network news, Twitter, etc. There is such a things a bad publicity, and it will help you get your father's money back much faster.
by Thrifty Femme
Mon Oct 23, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5221

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I don't see anything about an inactivity fee. You're limited to a small list of investments, however. I don't believe there are any charges/fees for trading within those limited investment options. https://hsainvestments.com/fundperformance/?p=TBH Search this site for HSA inactivity fee and you'll ...
by Thrifty Femme
Mon Oct 23, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5221

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I'm with HSA Authority. $36/year. Vanguard Admiral shares. Schwab provides the user interface. No one else uses them? Seems like a good option to me... No other fees? To trade? Any minimums? There is a monthly inactive account fee after 18 months or so. I don't remember the exact amount, but it was...
by Thrifty Femme
Sat Oct 21, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Roth 401K to Vanguard Roth IRA
Replies: 3
Views: 328

Re: Rolling Roth 401K to Vanguard Roth IRA

No, a rollover from a 401k does not count against your annual contribution limit.
by Thrifty Femme
Wed Oct 18, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Roth IRA accounts for the backdoor and the mega backdoor?
Replies: 11
Views: 1017

Re: Separate Roth IRA accounts for the backdoor and the mega backdoor?

Small Law Survivor wrote:
Wed Oct 18, 2017 6:02 pm
What is the difference between a "backdoor" and a "mega backdoor," please?
In addition to what Duckie said, the mega backdoor roth requires a 401k plan that allows non-roth after-tax contributions and in-service withdrawals, preferably without restrictions.
by Thrifty Femme
Sun Oct 15, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 154
Views: 12519

Re: How does everyone keep track of your portfolio?

Yeah I just logged into my Personal Capital account and didn't even realize they have my holdings already in there. It's not perfect, for instance I can't link Fidelity 401k, and all the funds are listed in alphabetical order instead of by account, but it's still better than what I thought I had ac...
by Thrifty Femme
Sat Oct 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: [Social Security announces 2.0% benefit increase for 2018]
Replies: 26
Views: 3583

Re: Social Security announces 2.0% benefit increase for 2018

Interesting. Wonder if 401k/HSA contribution limits will go up as well? HSA limits did indeed increase for 2018 - it was announced earlier this year . 401k limits for 2018 will almost certainly increase . Official announcement later this month (if history holds). It's very likely that IRA limits wi...
by Thrifty Femme
Sat Oct 14, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1741

Re: Another Job Offer Dilemma

Have you compared the benefits package? Insurance, 401k offerings and matching, etc.