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Anyone have any recommendations for a software that tracks business expenses but that is flexible about inputting foreign currencies and doesn't depend on linking your accounts? I don't live in the US but I itemize my deductions on my US taxes and my artisanal excel sheet + assorted PDFs folder is starting to get unwieldy.
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Jun 5, 2018 21:48
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EAT FASTER!!!!!! posted:Yeah basically 5% Amazon, 4% gas and Costco, 3% travel and restaurants, 2% everything else. Was thinking of adding BCP for the 6% groceries category, because that line item in our budget works out almost perfectly, but I just haven't pulled the trigger yet. If you haven't yet, cycle Discover in there. First year is rotating 10% back categories.
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Jun 5, 2018 22:49
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BCP’s $95 AF means you gotta spend $1700 in non-Costco, non-Target, non-Amazon groceries just to break even. That’s surprisingly tough. Doublecash is easy enough to get 2% without any hoops.
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Jun 6, 2018 00:18
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DNK posted:BCP’s $95 AF means you gotta spend $1700 in non-Costco, non-Target, non-Amazon groceries just to break even. That’s surprisingly tough. Doublecash is easy enough to get 2% without any hoops.
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Jun 6, 2018 01:24
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DNK posted:BCP’s $95 AF means you gotta spend $1700 in non-Costco, non-Target, non-Amazon groceries just to break even. That’s surprisingly tough. Doublecash is easy enough to get 2% without any hoops. Yeah a surprising amount of our grocery goes to Costco but not all of it, there might be 3K left. Part of the reason I didn't just go ahead with the card was getting a baseline - BCE vs. BCP use case.
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Jun 6, 2018 02:40
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SiGmA_X posted:Break even from 0% cash back would be $1,583, $2,375 from a 2% card, or $3,167 from a 3% card such as the Blue Cash. Right? Yea the $1700 was rough math. The point being that $1583 would take you back to square 1 and you’d need to spend like $2300 before the BCP beats out doublecash (after the AF). @2.3k spend DC is +$46 and BCP is +$48 (roughly). That’s non-Costco, non-amazon, non-target. $200/mo in, like, spices and gourmet bbq sauce is hard to do.
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Jun 6, 2018 03:50
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DNK posted:@2.3k spend DC is +$46 and BCP is +$48 (roughly). That’s non-Costco, non-amazon, non-target. $200/mo in, like, spices and gourmet bbq sauce is hard to do. I only paint my penthouse apartment wall mural scorpions using gourmet BBQ sauce. Not to mention the primer underneath, which I must remind you is fancier and more expensive than selecter and choicer when it comes to prepping your surface.
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Jun 6, 2018 06:01
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Grumpwagon posted:Grain of salt, since I'm not familiar with the intricacies of a 457b, but to the best of my knowledge, they're basically 401ks for government and nonprofit. Anyway, I did a rollover from a Roth 401k to a Roth IRA. You can roll any amount of money into a Roth. The limit only applies to new contributions. Googling tells me you can have after tax 457b contributions, but are you sure you did that? If they were before tax contributions (which, at least for 401ks, are much more common), you would just have to open a rollover IRA (which is basically a traditional IRA). Vanguard's website or customer service makes that easy to do. In fact, if some of that 7.5k is employer contributions, you'll have to open a rollover IRA for the employer contributions anyway, even if you contributed after tax. You'd just roll your portion into your Roth, and their portion into the rollover. They were before tax contributions, you're right. Thanks for the advice! I'll get started on rolling those funds into my Roth.
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Jun 6, 2018 21:16
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How much cash do other homeowners keep on hand for major house repairs and expenses? I've heard the "1% of the value of the home per year" rule of thumb for budgeting, but I'm more trying to figure out a total amount for a "house e-fund". We have a regular emergency fund that would cover ~5 months living expenses if we both lost our jobs. Nothing major in the house is nearing the end of its lifespan. I think I'm hoarding too much cash when we could be investing more for retirement, so I'm trying to figure out how to divvy up the cash we have on hand.
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Jun 6, 2018 23:16
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My rule of thumb is have enough cash to replace the air conditioner. Arizona summers are no joke.
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Jun 6, 2018 23:33
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Crooked Booty posted:How much cash do other homeowners keep on hand for major house repairs and expenses? I've heard the "1% of the value of the home per year" rule of thumb for budgeting, but I'm more trying to figure out a total amount for a "house e-fund". We have a regular emergency fund that would cover ~5 months living expenses if we both lost our jobs. Nothing major in the house is nearing the end of its lifespan. I think I'm hoarding too much cash when we could be investing more for retirement, so I'm trying to figure out how to divvy up the cash we have on hand.
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Jun 7, 2018 02:28
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Crooked Booty posted:How much cash do other homeowners keep on hand for major house repairs and expenses? I've heard the "1% of the value of the home per year" rule of thumb for budgeting, but I'm more trying to figure out a total amount for a "house e-fund". We have a regular emergency fund that would cover ~5 months living expenses if we both lost our jobs. Nothing major in the house is nearing the end of its lifespan. I think I'm hoarding too much cash when we could be investing more for retirement, so I'm trying to figure out how to divvy up the cash we have on hand. I have about $3k in mine, but its for a condo. My biggest expenses would be either a special assessment (not likely, HOA is in good shape) or my HVAC system (which I already know needs to be replaced, and will be in the next couple of months so it's not an emergency). It's mainly there to cover a broken pipe or an appliance that dies unexpectedly. Anything above and beyond that would have to come from normal savings or be put on a 0% interest CC and paid off over time.
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Jun 7, 2018 12:54
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I'm opening up a Roth IRA shortly, and on here it seems like the recommendations have typically been between Vanguard/Fidelity/Schwab in that order of preference. Is there anything particularly bad about ETRADE? The only family member I vaguely trust about money used it exclusively and highly recommended it. I've got the money set aside to buy a bigass pile of VTTSX to start it up, I just don't want to have to mess around with moving it around between platforms after making an inefficient choice.
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Jun 7, 2018 16:14
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Power of Pecota posted:I'm opening up a Roth IRA shortly, and on here it seems like the recommendations have typically been between Vanguard/Fidelity/Schwab in that order of preference. E-Trade is okay for an IRA, but there isn't any reason to use them over Vanguard. The one big disadvantage is that they charge to buy/sell Vanguard ETFs, but it is free with Vanguard. In theory, not a huge deal. But why go with E-Trade when Vanguard is literally better in every way? Plus, there is always the possibility that E-Trade could get lovely with prices or policies in the future. Vanguard's business model is much less likely to do that.
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Jun 7, 2018 16:40
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I thought I was probably missing something obvious - I didn't realize Vanguard funds were free to trade on Vanguard, duh. In that case, easy choice - thanks!
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Jun 7, 2018 16:43
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Power of Pecota posted:I thought I was probably missing something obvious - I didn't realize Vanguard funds were free to trade on Vanguard, duh. In that case, easy choice - thanks! I don't think E-Trade charges for Vanguard mutual fund trades (unless you are selling within 90 days), so you can just do mutual funds and get a similar experience to Vanguard. I personally don't keep any ETFs in my IRA and just do mutual funds, but if you want to do ETFs, then Vanguard is the best and they are fee-free to buy with Vanguard. So, why go with something obviously worse?
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Jun 7, 2018 16:46
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Go with Vanguard.
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Jun 7, 2018 22:58
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im apt hunting and i have narrowed down to two options. one is a one bedroom with 1.5 baths, 790sq ft, has in unit washer and dryer, is $860 a month. the other option is a one bedroom that has one bath and no washer dryer, is 769sq ft, runs $756 a month in a nearby neighborhood. in the long run is the $100 a month difference worth it for the bigger unit for the in-house washer/dryer? the bigger one also has waste/sewage/water included in the rent, the other one runs about $30-60 a month. im leaning toward the pricier one for the convenience factor.
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Jun 10, 2018 00:56
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After sewage, etc the difference will be $50-60. Plus an extra toilet. Seems worth it to not have to trek to the apartment public laundry or laundromat.
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Jun 10, 2018 01:20
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howdoesishotweb posted:After sewage, etc the difference will be $50-60. Plus an extra toilet. Seems worth it to not have to trek to the apartment public laundry or laundromat. Yeah, definitely factor the opportunity cost of your time as well. Laundry in your own place that you can leave for a few
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Jun 10, 2018 01:32
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My response mirrors the prior two. ~$60 for a guest powder room *and* in unit laundry is very worth it.
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Jun 10, 2018 01:49
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In-building laundry at a minimum is mandatory. Laundromats force you to waste so much free time.
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Jun 10, 2018 02:12
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Also I wish rents here were that low.
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Jun 10, 2018 12:34
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yea get that first one and never look back
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Jun 10, 2018 15:11
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A Proper Uppercut posted:Also I wish rents here were that low. i had to aggressively search for rents this low. rent everywhere in this city have started moving rapidly since it was announced the raiders were coming here what with the new stadium being built
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Jun 10, 2018 16:31
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I have a Chase credit card that's five years old and that I don't really use. I may be buying a house in the next couple of years. Other than debt utilization percentage, is there any reason to let it automatically close out? No debt other than a balance I keep on a 0% card and pay minimum on just to have something I'm making regular payments on, and the balance the card I regularly use has at any given time (I pay it down completely every month). ~11 years, 4 months average length of open account according to Equifax as of 11 months ago.
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Jun 10, 2018 22:51
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Alright, I apologize in advance for the incoming text wall. This is a list of mutual funds available for investment by my HSA, which is through Optum. I have about $10,000 in it. I am almost 33, pretty healthy, and I have good insurance. So I'm not too worried about needing a lot of this money in the short term. What should I be looking for? I assume a Vanguard fund is the way to go? It seems to be a BFC favorite. American Beacon Large Cap Value American Funds Capital World Gr&Inc F2* BlackRock Equity Dividend K Columbia Mid Cap Index Delaware Small Cap Value Dodge & Cox Income Dreyfus Small Cap Stock Index Fidelity Low-Priced Stock Goldman Sachs Small Cap Value John Hancock Fdmlt Large Cap Core Lord Abbett High Yield - I* Neuberger Berman Genesis Fund - INST Oppenheimer Developing Markets Inst Schwab Target 2020 Index Fund I Schwab Target 2030 Index Fund I Schwab Target 2040 Index Fund I Schwab Target 2050 Index Fund I Schwab Target 2060 Index Fund I T. Rowe Price Blue Chip - I* Vanguard Equity-Income - A* Vanguard Extended Market Index Inst* Vanguard Global Equity * Vanguard Healthcare* Vanguard Inflation-Protected Inst* Vanguard Life Strategy-Growth* Vanguard LifeStrategy-Conservative Growth* Vanguard LifeStrategy-Moderate Growth* Vanguard Mid Cap Index Inst* Vanguard REIT Index Inst* Vanguard S&P 500 Index - A* Vanguard Short-Term Federal Adm Vanguard Short-Term Investment Grade Inst Vanguard Small Cap Index Inst* Vanguard Total Bond Mkt Port* Vanguard Total Stock Market Inst* Vanguard Wellington - A* Virtus Ceredex Mid-Cap Value Equity WF Core Bond Fund* WF Discovery * WF Diversified Equity* WF Diversified International* WF Dow Jones Target 2010* WF Dow Jones Target 2020* WF Dow Jones Target 2030* WF Dow Jones Target 2040* WF Dow Jones Target 2050* WF Dow Jones Target Today* WF Global Opportunities* WF Government Money Market WF Growth * WF Growth Balanced* WF High Yield Bond* WF Index* WF Large Cap Growth* WF Moderate Balanced* WF Small Company Growth*
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Jun 11, 2018 03:02
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Ramrod Hotshot posted:Alright, I apologize in advance for the incoming text wall. This is a list of mutual funds available for investment by my HSA, which is through Optum. I have about $10,000 in it. I am almost 33, pretty healthy, and I have good insurance. So I'm not too worried about needing a lot of this money in the short term. What should I be looking for? I assume a Vanguard fund is the way to go? You need to list expense ratios to get a good answer.
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Jun 11, 2018 05:03
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Ramrod Hotshot posted:Alright, I apologize in advance for the incoming text wall. This is a list of mutual funds available for investment by my HSA, which is through Optum. I have about $10,000 in it. I am almost 33, pretty healthy, and I have good insurance. So I'm not too worried about needing a lot of this money in the short term. What should I be looking for? I assume a Vanguard fund is the way to go? It seems to be a BFC favorite. Vanguard Total Stock Market Inst* Or total market plus some domestic bonds. Because of the options I have available in my HSA, I do Vanguard S&P500 and Vanguard small cap, balanced as part of the whole. I personally just treat my HSA as part of my overall retirement portfolio along with 401k and IRA. What do you do allocation wise in your 401k/IRA?
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Jun 11, 2018 05:45
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SiGmA_X posted:I’d probably just do this: It's all in Vanguard 2045.
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Jun 11, 2018 16:54
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If it were me, I would do: 90% Vanguard Total Stock Market Inst* 10% Vanguard Total Bond Mkt Port* I would prefer to add in 20-36% of international (36% is what Vanguard is using now, I personally hold less, around 25%) but you don't have great options for int'l. You could also do the LifeStrategy Growth, its a 20/80 bond/stock with a 38/62 int'l/domestic split. I just don't like that much bond weighting.
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Jun 11, 2018 19:54
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SiGmA_X posted:If it were me, I would do: Awesome, thanks.
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Jun 11, 2018 23:39
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Anyone have podcast/audiobook recommendations about careers and improvement? A while back I was pointed to 80,000hours which is a great resource but their podcasts are a little too far off the mark for me. I'm more or less looking for guides on how to get on the right path of doing something I find fulfilling and doing something that pays well.
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Jun 13, 2018 17:26
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Is the Career Path thread along the lines of what you're looking for? https://forums.somethingawful.com/showthread.php?threadid=3533210
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Jun 14, 2018 19:34
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General Probe posted:Is the Career Path thread along the lines of what you're looking for? Ill ask there, I dont know why I didn't see that thread! Thanks.
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Jun 15, 2018 15:25
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So the bankruptcy thread linked in the OP closed like 8 years ago. Is there a newer one, or should I just read through that one? Because if it's good enough for the President of the United States to walk away from tons of debt, it's good enough for me.
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Jun 16, 2018 03:46
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vortmax posted:So the bankruptcy thread linked in the OP closed like 8 years ago. Is there a newer one, or should I just read through that one? Because if it's good enough for the President of the United States to walk away from tons of debt, it's good enough for me.
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Jun 16, 2018 03:50
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I guess my only question is if anyone can recommend a good attorney to handle a chapter 7 in central Arkansas? There are tons that advertise on local TV but I have no idea if they're any good.
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Jun 16, 2018 14:52
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Have you checked ratings for attorneys on Martindale Hubbard? https://www.martindale.com/areas-of-law/bankruptcy-lawyers/arkansas/
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Jun 16, 2018 15:32
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General Probe posted:Have you checked ratings for attorneys on Martindale Hubbard? Oh this is incredibly useful! I will keep this one in mind anytime someone I know needs a lawyer.
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Jun 16, 2018 16:27
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