Search found 33 matches

by bubbly
Wed Mar 29, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 15
Views: 1168

Re: Credit score dropped 30 points because I paid off my auto loan?

If your score is 815, a 30 point decrease will have very little impact on your ability to secure another loan. The same thing happened to me when I paid off my loan but as long as you're making on time payments, your score will steadily climb as the number of accounts and account history length goes...
by bubbly
Mon Mar 27, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 6031

Re: Endless Job Interviews (with same company)

Take note of the type of interview. My company has the habit of after the 2nd or 3rd interview to give you a "real world scenario" and ask how you'd solve it....in detail. If what you provided works out in fixing the issue, they will ask you back again for another scenario. This goes on 3...
by bubbly
Wed Mar 08, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8124

Re: Google wifi is awesome

*Update* I found the Google Wifi router system on Amazon. Different from OnHub. Just to clarify, you are talking about Google OnHub? Not Google Wi-Fi where Google tried to provide a free municipal network for internet access. You have an internet connection with some provider and use the Google OnH...
by bubbly
Wed Mar 08, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8124

Re: Google wifi is awesome

*Update* I found the Google Wifi router system on Amazon. Different from OnHub. Just to clarify, you are talking about Google OnHub? Not Google Wi-Fi where Google tried to provide a free municipal network for internet access. You have an internet connection with some provider and use the Google OnH...
by bubbly
Mon Feb 20, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return Help
Replies: 4
Views: 284

Re: Amended Tax Return Help

I didn't even consider that there was a call in option. This is great. Thank you for your help.
by bubbly
Mon Feb 20, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return Help
Replies: 4
Views: 284

Re: Amended Tax Return Help

That's a great suggestion to wait. I will keep that in mind. Am I correct to assume I will need to report the 2 rollovers in the amendment? I used Tax Act so I'm guessing it's under the section about retirement income? I've read that you should check for this code G on the 1099-R form, which I will ...
by bubbly
Mon Feb 20, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return Help
Replies: 4
Views: 284

Amended Tax Return Help

Long story short 1) So my employer made a mistake on my w-2 and I have been informed that I will get a w-2c in a few days. This was in part due to the fact that my relocation bonus had a grossup that included federal, state, SS and medicare withholdings and was not properly documented, resulting in ...
by bubbly
Fri Feb 17, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have experience with Fidelity BrokerageLink?
Replies: 14
Views: 557

Re: Does anyone have experience with Fidelity BrokerageLink?

Don't want to hijack the thread but which funds are commission free? I have heard ishares funds and etfs and commission free on brokeragelink but would like a comprehensive list so I can see what my options are.
by bubbly
Fri Feb 17, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have experience with Fidelity BrokerageLink?
Replies: 14
Views: 557

Re: Does anyone have experience with Fidelity BrokerageLink?

not sure about Radnor, but when I try to exchange anything less than 2500 dollars from one holding to brokerage link under "change investments," it gives me an error: "The total amount being exchanged to brokerage ($xxx) is less than the required minimum amount ($2,500.00). Enter an a...
by bubbly
Fri Feb 17, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have experience with Fidelity BrokerageLink?
Replies: 14
Views: 557

Re: Does anyone have experience with Fidelity BrokerageLink?

I'm curious too. I would love to purchase some shares of the SP 600 small cap value fund (IJS) but I currently do not have enough to meet the 2500 dollar threshold in the holding I want to transfer from, vanguard extended market fund.
by bubbly
Fri Feb 03, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Collection Question Regarding Delinquent Debt
Replies: 1
Views: 222

Loan Collection Question Regarding Delinquent Debt

So my friend was asking me for financial advice regarding a delinquent debt. First, the background story which is a little bit fuzzy since it's just my first hand recount of what was told to me. She got into a car accident with a rental car and the car rental agency is collecting for the insurance m...
by bubbly
Fri Feb 03, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1086

Re: Is it normal to have mutual funds and ETF's or is either one or other?

There are certain ETFs that have no mutual fund counterpart. For people that like to tilt small value, VIOV and IJS (tracks the SP 600) do not have a mutual fund equivalent as far as I know. You could always use the mutual fund equivalent of VBR in that case, but some people prefer VIOV/IJS for more...
by bubbly
Fri Feb 03, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-C
Replies: 2
Views: 278

Re: 1095-C

Ok great, I was insured for the remaining 3 months with the new company. I just checked my W-2 for the new company and it has a category for the total cost of coverage under box 12 DD. I'll be sure to indicate that I had full coverage. Thanks for the help!
by bubbly
Fri Feb 03, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: 1095-C
Replies: 2
Views: 278

1095-C

Recently got a 1095-C form from a previous employer that showed coverage for 9 months out of the year. I am currently employed with another company and am covered under their insurance. Will I need to do anything to prove that I was covered the whole year? I don't recall ever getting one of these fo...
by bubbly
Fri Jan 20, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 4304

Re: Tesla Autopilot 8.0

imagine the affects on society in the future when all vehicles are autonomous and connected to each other or a central hub. First, on the premise that your vision is even feasible in our lifetime, my initial thought is on how attractive a target that central hub would be for hackers. Imagine being ...
by bubbly
Fri Jan 20, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 4304

Re: Tesla Autopilot 8.0

I went to test drive the Model X using hardware 1. It was 5 lane highway, but the lane demarcation wasn't marked too well. We turned on autopilot and the car started drifting to the concrete barrier. We almost crashed. We bought the Model X with hardware 2 but didn't buy autopilot because of the ab...
by bubbly
Fri Jan 20, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 4304

Re: Tesla Autopilot 8.0

I've actually worked on autonomous technology in mining trucks and agricultural tractors. The technology here is already proven and it has been shown to "drive better" than skilled workers who are paid 150k+ in Australia. The following article cites 20% productivity increase over a regular...
by bubbly
Wed Jan 11, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 964

Re: Ft. Lauderdale

There is a swamp tour about 20-30 mins west if you have access to transportation. I believe the name of the place is called Everglades Holiday Park. The tour guide takes you in an airboat in a group and gives you a rundown of the local wildlife and plant life. Very nice scenery and good for a first ...
by bubbly
Fri Jan 06, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Selling VG ETF and buying VG mutual fund
Replies: 5
Views: 377

Re: Selling VG ETF and buying VG mutual fund

Well after everything I've read so far, I went ahead and did it. Looks like it went through. Thanks for the help!
by bubbly
Fri Jan 06, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Selling VG ETF and buying VG mutual fund
Replies: 5
Views: 377

Re: Selling VG ETF and buying VG mutual fund

How do you check for this? It just says Traditional IRA brokerage. EDIT: I just read the brochure you provided, it looks like I have the combined brokerage account.
by bubbly
Fri Jan 06, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Selling VG ETF and buying VG mutual fund
Replies: 5
Views: 377

Selling VG ETF and buying VG mutual fund

I've noticed that this past year has been quite good for VIOV, a small cap value fund. I wish to rebalance and sell some of these assets and would like to buy into VTSAX to maintain my desired allocation to large caps. Both the ETF and the total stock market fund are in a traditional IRA at Vanguard...
by bubbly
Tue Dec 13, 2016 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Friend Inherited 600k
Replies: 10
Views: 2154

Re: Friend Inherited 600k

This person still needs to learn about investing so I got them started on reading the windfall section of the wiki. It might take them some time before they are comfortable with investing, hence why I asked about the bank accounts. Next would be steering them towards investing but I would like to ex...
by bubbly
Mon Dec 12, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Inherited 600k
Replies: 10
Views: 2154

Re: Friend Inherited 600k

Ok great. I'll pass this information on. So 3 accounts at 3 FDIC ensured banks.
by bubbly
Mon Dec 12, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Inherited 600k
Replies: 10
Views: 2154

Friend Inherited 600k

I guess long story short, a friend of mine just inherited 600k dollars. Under the bogleheads section of managing a windfall, it mentions not doing anything rash. Where would be the best place to park this cash until they decide what to do with this money? From my understanding, the FDIC insured limi...
by bubbly
Wed Oct 05, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Rollover characterized as market gains/losses
Replies: 2
Views: 272

Re: Rollover characterized as market gains/losses

Thanks for the assurance.

The market gains/losses have been recharacterized as purchases/withdrawals. That was fast. The customer rep had told me it would take a few weeks when I phoned it in yesterday.
by bubbly
Tue Oct 04, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover characterized as market gains/losses
Replies: 2
Views: 272

Rollover characterized as market gains/losses

So I rolled over a 401k into 2 IRAs, a traditional for the pre-tax 401k portion and a roth IRA for the roth 401k contributions. Everything seemed to have gone smoothly until today I noticed under the personal performance tab at Vanguard, the entirety of the rollover was characterized as market gains...
by bubbly
Thu Mar 31, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: GRE Study Materials
Replies: 22
Views: 1623

Re: GRE Study Materials

This could be outdated information as I took the test 7-8 years ago. I think the hardest transition for me was the use of the computer. There were still some test centers that allowed written examination but most of the test centers available were overwhelmingly computer based. Whereas before, you c...
by bubbly
Tue Dec 15, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: My credit score is 808
Replies: 37
Views: 6439

Re: My credit score is 808

Mortgage broker here. 740+ will all get the same rates for conforming loans. Jumbo loans can have fee reductions for 760+. Either way you're fine. Don't be surprised if your mortgage lender pulls a different FICO than you're expecting. We use a FICO 04 scoring system, and you probably only have acc...
by bubbly
Fri Jun 26, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 2470

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

0.5% is less than the usual 2-3% inflation rate. For a 20 year horizon, you can do much better than 0.5%.
by bubbly
Fri Jun 26, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 5628

Re: 2014 Lexus ES350

I drive a 2012 model and the comforts are probably one of the best at its price point (A new ES350 comes in right around 40k). I have not sat in a car with better leather seats under 60k (note that I'm talking about perforated leather not the cheaper Nuluxe option). The tradeoffs are clear: with suc...
by bubbly
Fri Jun 19, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 5214

Re: Help with Ticker Symbols on 401k Northern Trust Funds

JoMoney: Thanks for the clarification. In that case, I guess the question still stands: are there comparable mutual funds/etfs with known ticker symbols that I can use as inputs to the morningstar x-ray or the portfolio visualizer to play around with my allocations? mhc: what funds specifically woul...
by bubbly
Fri Jun 19, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 5214

Help with Ticker Symbols on 401k Northern Trust Funds

First of all, I'd like to say hi to everyone on this forum. I have been lurking in the past but never really had to post because all of my questions have been answered in previous threads on here. So for the following question: Currently my company has 401k options for the following broad categories...

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