Well…then…carry on…LOL:coffee:
haha yeah, now it was just a different approach to my budgeting. I wish I had a bigger sample size - I’m trending down all my cost, but I can’t paint the final picture…January I had almost 600 bux worth of gas…February I was down to 500, this month is on pace for 400. Unfortunatly my sistuation changed 1/1/12 so thats as far back as I can ‘rely’ for now to see how this commute is really costing me ya know.
On top of it all, once Amber officially quits PGCPS - Health Insurance is on me…so thats going to ‘sting’ pretty bad for a bit…right now its thru her (Blue Cross) and I canceled mine (Kaiser).
- :bluu:
Dental/Health/Vision all go through me now with the Mrs. and Cammy; also life and additional life insurance
Amber’s carrier was just better for us period, so we went that route, I don’t like Kaiser, but the other option I have still doesn’t even make sense to me (the money is put into a savings account that I cn use anywhere, of course I cna’t just get that money back and if somethign major happens its going to hurt, nothing mroe than a credit card. More than likely we’ll switch back to her assuming its still Blue Cross down here.
- :bluu:
Blue Cross Blue Shield runs NC for the most part. Got it now, but it all depends on what your company pays for. Right now the max I have to pay for anything is 6 grand, but in 2 weeks it will be 3500 I believe.
ouch ouch ouch ouch [/martin]
wow yo… tell me thats you an the misses combined fam?!
Naw thats just me. My wife is nearly matching me, since she drives laurel, southern clinton, fedex field, back t osouthern clinton, then back to laurel 4 days a week. But I mean I get anywhere from 25-32 mpg so I’m not just burning thru it. I don’t really drive much during the week now, part of the decrease, February included the drive to davidson on top of Durham. I fill up typically one point two five times a week or so now…its better than when I was commuting to corporate though…that was twice a week no question.
- :bluu:
EDIT and January had like 140+ from December in it thanks to my trip to Florida…the car road the train to get to Orlando, then drove out to Palm Beach area, drove around there, then last night drove to Miami and back. I drive a TON homie - hecne why I love being able to ‘walk’ to work right now hahaha
Question: I have a 401k still with my old company; my new company offers one, but doesn’t match (sucks). Is there any benefit with rolling over your 401k if there isn’t any match? I can still contribute to my “old” one through Fidelity
Got a lil under 8K back.
The benefit comes down to if your new employer’s 401k plan details (investment vehicles, management fees, withdrawal guidelines, etc). are better compared to your old employer. No matching is a non-issue if your old employer won’t match anymore. If your up to the responsibility (aka stress), you may want to rollover your 401k into a a Roth / IRA. But if you do that, don’t make personal personal contributions to it, because co-mingling personal and employer contributions can prevent you from re-rolling over the IRA into a new employer’s 401k down the line. Just open a new IRA for personal contributions.
But how are you able to contribute to your old 401k if you no longer work there?
It was done through Fidelity, so the money is sitting with them. I’m not earning anything/putting anything into it so there is just a lump sum of money in the account. My employer used to (matching) throw funds into it as I did, but once I left, they stopped. I can still put money into it, but since no employer matches, I will just me using it as a long term savings account.
What’s everyone’s thoughts on online banks? I’m thinking about taking a chunk of my savings laying in my current savings to let it grow with HSBC’s high interest rate.
There’s not a lot to think about them. They’re just banks. Hell, most national banks are fully functional online. I have a Suntrust account, and I haven’t been to Georgia in 3 years. Might as well get the best rates you can.
As long as this thread exist we made that answer clear that you go for it. As stated from Warp get the best rates you can. This thread is about 5 years old and great shit to read and learn a little. So it wont hurt to actually do a search in thread “online” and you might find what you need.
http://shoryuken.com/forum/index.php?search/3758932/&q=online&t=post&o=date&c[thread]=25854
Oh, looks like an interesting thread.
So – is this more about everyday personal finances, or are there any heavy-duty finance buffs on SRK?
you can say it is a combination of both but in actuality it is more about people with advice that has worked for them.
It’s definitely a combination of both, but considering we’re all individuals, there will of course be a greater focus on personal finance.
Here’s a question for the crowd: Is anybody employing any alternative retirement strategies besides the standard 401k, IRA, etc.? I’m not really sold on traditional retirement funds because I dont have an employer to match me, and they seem like a waste of time for my purposes.
I see, thanks for answering.
@Warp: nothing more alternative than doing your own investments! And I don’t mean investing in mutual funds, etc. because those things are a load of crock, but rather doing your own homework and investing in companies/assets/etc. you think will appreciate down the line.
The offset is you’re going to have to be willing to pour a lot of effort into it until you find something that works. This could literally take a couple years. The benefit can be much higher annual growth than anything a retirement fund can provide.
Hey I had a ‘question’ this morning, was hoping someone here could answer it before I go google diving.
So if gas is driving the cost of other products up - and gas is a pretty universal thing that drives the cost to somedegree of ‘everything’ - is it considered ‘inflation’? I mean it isn’t like ‘a chicken shortage’, that will only impact a few things outside of direct chicken sales…it literally affects everything - so does the shift over the passt decade of about 3 bucks…is thta considered inflation?
- :bluu:
Its a fossil fuel… something that can eventually end. There is no loss of value technically on said product and the world fights over it tooth an nail.
In order to get a true jist of that you will have to get economic breakdown from numerous banks WORLDWIDE. the last thing i know positively having the inflation stamp was gold.