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Re: 401k Disbursement Fee?

I would ask them to waive it, but wouldn't let $50 impact my decision.

OP said rolling to a 401k, not IRA, so presumably any protections are same.
by Don Christy
Thu Aug 14, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Disbursement Fee?
Replies: 6
Views: 386

Re: Do you hold cash/money market outside of your emergency

I don't have a specific emergency fund, but end up keeping significant cash in all of these places:
Bank account
HSA money market (x 2)
Tax exempt money market (receives cap gains and dividends from investments until reallocated ~qtly)
by Don Christy
Thu Aug 14, 2014 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1977

Re: Best Place to Do Research on Orthopedic Surgeons

If you're in a city with professional sports teams, I would try to find out who is repairing those professional rotator cuffs. If that surgeon is not available to you, ask who they would recommend. Short of that, I would find a shoulder expert in a sports medicine practice who does a high volume of ...
by Don Christy
Thu Aug 14, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1714

Re: Early Retiree In-Service Rollover to Roth guidance & opi

This site is really great! I did a quick review of the wiki entries around Roth IRA, Roth conversions, Backdoor Roth, etc., and didn't see anything this detailed related to means to isolate basis. This would seem to be a great candidate for a wiki entry. Thanks for taking the time to write such a de...
by Don Christy
Wed Aug 13, 2014 6:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Early Retiree In-Service Rollover to Roth guidance & opinion
Replies: 6
Views: 648

Re: Runners and compression socks

Last Tuesday night after running with my running club that meets at a running store, a vein doctor was there talking about the benefits of compression socks for runners. He said he wears them during days when he is in surgery for 10 hours. I did purchase a pair of CEP Men's Running Progressive Comp...
by Don Christy
Tue Aug 12, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1537

Re: Motorcycle for short commute?

I'm an avid motorcyclist, and wouldn't consider a 10 min commute in 100 degree weather! As someone else said, it will be HOT. Especially if you wear ATGATT. That's "all the gear, all the time." AS YOU SHOULD. I would ride my bicycle or if I took my motorcycle, I would wear ATGATT and figur...
by Don Christy
Tue Aug 12, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3699

Re: Robin Williams

RIP.

Great comedian and fine actor.
by Don Christy
Mon Aug 11, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4630

Re: Reminder: Check your 401K contribution rates

Thanks for the reminder. I try to get the most in early, leaving just enough to reach the max in last paycheck to capture full match. It's a PITA every year. If your plan is like mine, you need to do "mid-course corrections" to your paycheck contribution rates to ensure that the year's tot...
by Don Christy
Mon Aug 11, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3707

Re: Tricky Tax: Backdoor Roth + Simple IRA

Also note that the I in IRA is for Individual. So (if my understanding is accurate), you can still do the backdoor with your IRAs whether you clean up your wife's SIMPLE IRA or not.
by Don Christy
Mon Aug 11, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tricky Tax: Backdoor Roth + Simple IRA
Replies: 14
Views: 1051

Re: Affording a 1.3 million home?

Plan for a situation where, post kids, only one of you is working (ditto circumstances if one of you is redundant). . In case it's not clear, in this case "redundant" means laid off / fired. British use. And agree with points made here and by others who suggest renting and considering ret...
by Don Christy
Fri Aug 08, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11048

Re: How Often to Look for Rebalancing Opportunities?

Are you really thinking more about missing an opportunity to tax loss harvest (TLH)? If you're really concerned about missing rebalancing opportunities, consider a target date or lifestyle fund that automatically rebalances. Otherwise, TLH not withstanding, IMO, due to momentum and other factors, th...
by Don Christy
Thu Aug 07, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Look for Rebalancing Opportunities?
Replies: 20
Views: 1042

Re: Best Coffee Maker? What do you have?

Bonavita for daily coffee with DW. Aeropress for the occasional cup alone. Aeropress with good coffee and proper water temp is my favorite. Burr grinder for consistent grind for both Bonavita and Aeropress. Lately using Starbucks Sumatra beans, but thinking of trying a local roaster to see if there'...
by Don Christy
Wed Aug 06, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 5911

Re: AARP: The Great Pension Sell-Off

Well at least those individual pension obligations become fully funded once they buy an annuity, right? Why do you say that? They are simply general obligations of the annuity corporation, no longer backed by the PBGC. The line I really like is along with proposed new mortality tables that raise li...
by Don Christy
Tue Aug 05, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: AARP: The Great Pension Sell-Off
Replies: 30
Views: 3589

Re: average American eats out 203 times per year

Not hard to exceed those numbers with a couple lunches or dinners regularly plus vacation.

Also, how do you count the once a week Thai carry out that we make 2 meals out of? Is that 1x or 2x?
by Don Christy
Tue Aug 05, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6427

Re: Stop Passing Up This Great Deal - In Money Magazine

2) Some items in this article seem incorrect or misstated such as, "Roth 401ks leave just about all workers, regardless of age or tax bracket, with more money to spend in retirement than pretax plans do" "The Roth 401k should be considered the default investment" "Every dol...
by Don Christy
Tue Aug 05, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11083

Re: HSA woes, former employer keeps contributing

Could you transfer to another custodian and close the account?
by Don Christy
Sat Jul 19, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1298

Re: USPS Shipping Problem Again

I've had problems with all three, USPS, FEDEX, and UPS. Biggest problem was with UPS. Insure to proper value and use track able service if it's valuable. If it's truly heirloom, irreplaceable, reconsider shipping at all.
by Don Christy
Sat Jul 19, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 910

Re: Options/guidance for a lazy person to be fit

For weight loss, you obviously have to burn more calories than you consume. The calorie in side is typically the biggest challenge. And especially challenging are calories from alcohol. With alcohol, you get lots of relatively useless calories, an appetite stimulant, and reduced self-control. And if...
by Don Christy
Fri Jul 18, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5912

Re: A question for the Bogleladies or those who can consult

http://www.marieclaire.co.uk/blogs/545106/8-lingerie-brands-we-should-all-have-in-our-underwear-drawers.html My favorites: Rosie for Autograph and Beautiful Bottoms. My favorites: Rosie for Autograph and Stella McCartney. Victoria A third vote for Rosie. Perhaps a poll is in order. Good luck to PE,...
by Don Christy
Wed Jul 16, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5845

Re: But why not 100% stock index fund?

Dutch wrote:Ok I'm calling the top of the market


With several 100% equity threads in short order, I think you may have made the right call. Just waiting for stock tips at cocktail parties to confirm.
by Don Christy
Sun Jul 13, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7372

Re: Travel Converters/Adapters

Most electronics can handle the voltage/frequency, so an adapter is all that's needed for charging most electronics (phones, iPads, Kindles, etc.). Adapters don't change the voltage or frequency, they just physically adapt one plug to another. We used type L adapters, but from what I understand, typ...
by Don Christy
Sat Jul 12, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Travel Converters/Adapters
Replies: 11
Views: 904

Re: Pay down (not off) mortgage?

To the extent that you would be putting the cash into fixed income in your taxable, paying down the mortgage seems a reasonable option. If you're going to need the extra cash when you move, either home equity or any risky investments may not be there when you need them. In other words, think about w...
by Don Christy
Mon Jun 30, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 4989

Re: Maxed out contributions help!!

You say you don't have medical insurance.

Perhaps reconsider that decision and choose a plan with an HSA.
by Don Christy
Mon Jun 30, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out contributions help!!
Replies: 14
Views: 1306

Re: How to get father on board with index funds

indexmeasap wrote:
Maybe an agreement could be worked out that would allow you to help your mom manage the finances if something were to happen to your father? Mothers tend to be susceptible to those nice boys...


In my experience, fathers are just as susceptible.
by Don Christy
Mon Jun 30, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get father on board with index funds
Replies: 34
Views: 2126

Re: Help choosing DI policy

I would research a bit about prevalence of conditions which are limited under the Principal policy. Also, check to see if EmergDoc's blog (the white coat investor) has anything to say about this. Saw this on WebMD, Mental health problems. You might think of disability as physical, but mental health ...
by Don Christy
Mon Jun 30, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Help choosing DI policy
Replies: 3
Views: 400

Re: 401k mandatory withdraw after parent dies?

my dad is over 70 and not in good health. if he dies, the 401k $ goes to my mom who is under 70. does she still have to do mandatory withdraws? Here's a link to the IRS website on the subject. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---Required-Minimum-Distri...
by Don Christy
Sat Jun 28, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k mandatory withdraw after parent dies?
Replies: 13
Views: 641

Re: Best Road Trip Vehicle

Are you sleeping in it or just driving? If latter, consider a VW Jetta Sport Wagon with Turbo Diesel. Great fuel mileage, space and comfort. Large panoramic sunroof. We love ours for road trips. Good luck!
by Don Christy
Thu Jun 26, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2795

Re: SPIA - Purchase with taxable or IRA funds?

Good article that may be helpful at fellow Boglehead EmergDoc's blog (author of The Whitecoat Investor book and blog):
Individual Retirement Annuity- The Solution To The SPIA RMD Dilemma
by Don Christy
Thu Jun 26, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: SPIA - Purchase with taxable or IRA funds?
Replies: 2
Views: 261

Re: Why is lump sum payout for pension so low?

The question is why would the OP's plan pay so much less (nearly 33% less). I think its not subject to the general rules of ERISA, given that its a state pension. But there is some digging to be done here. OP mentioned "early retirement", but didn't mention whether this was an unreduced e...
by Don Christy
Thu Jun 26, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is lump sum payout for pension so low?
Replies: 20
Views: 1801

Re: Am I Nuts?

Forever house... A neighbor once told me that "this is our forever house, they'll carry us out of this house." I insensitively pointed out that "that is exactly what happened to the previous owner." Anyway, unrelated to this conversation, a job change prompted a move 1 year later...
by Don Christy
Thu Jun 26, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2760

Re: Bogleheads 2014 Hedge fund contest

Looks like AAPL's split is not being handled correctly in the listings...
by Don Christy
Tue Jun 10, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 13398

Re: Bogleheads 2014 Hedge fund contest

Hmmmm. Should I lock Rsh? Down on earnings miss today... Think I'll wait a bit. Maybe it'll go to zero!
by Don Christy
Tue Jun 10, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 13398

Re: [Poll] How do you rebalance?

Since I'm accumulating, and I use several rebalancing methods, the poll doesn't work well for me (I guess I could choose "other"). I keep things mostly in balance by directing new contributions mostly to fixed income. Over the last several years, this has kept the equity/FI fairly well bal...
by Don Christy
Mon Jun 09, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1729

Re: Does anyone here play fantasy football?

Does "real" football count? I'm in an English Premier League Fantasy league! It just ended...
Don
by Don Christy
Tue Jun 03, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 874

Re: Bogleheads 2014 Hedge fund contest

I would like to lock in one of my short picks, DDD.

Thanks
Don
by Don Christy
Thu May 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 13398

Re: San Francisco Restaurant Recommendations

Too late for your trip, but adding to the thread for future reference. For really great vegetarian food, Millennium Restaurant, is an upscale gourmet vegetarian restaurant with great wine selection as well. Near Union Square. Millennium Restaurant 580 Geary Street San Francisco, CA 94102 Tel: 415-34...
by Don Christy
Sat May 24, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2830

Re: City Driver Hit My New Car. Diminished Value Advice?

So I'm wondering about the ethics of an attorney representing the city negotiating a legal settlement with someone not represented by counsel. Is that ethical? Yes. I'm not so sure it's clear cut. Lawyers have a duty to the court as well as their client, and arguably government lawyers have a duty ...
by Don Christy
Wed May 21, 2014 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3152

Re: City Driver Hit My New Car. Diminished Value Advice?

So I'm wondering about the ethics of an attorney representing the city negotiating a legal settlement with someone not represented by counsel. Is that ethical?
by Don Christy
Tue May 20, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3152

Re: Paying for a date

Quite heterosexually oriented options. It's a fair comment. Which options would you suggest adding to cover all cases of homosexual couples? Victoria Don't really have a clue, just noticed the obvious perspective. I guess I would say: - early dates, whoever asked should pay - later dates, I suspect...
by Don Christy
Tue May 20, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3231

Re: Paying for a date

Quite heterosexually oriented options.
by Don Christy
Mon May 19, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3231

Re: Investments as Inheritence

I think you may be confused about the taxes on your inheritance. Please check for yourself, but I believe your basis should be the value at the time inherited, and you will only be taxed on gains from that point. That's why another poster pointed out that you could have liquidated immediately withou...
by Don Christy
Sun May 04, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Investments as Inheritence
Replies: 20
Views: 1293

Re: VW TDI Engines

Have a Jetta Sportwagen TDI and love it. Though, the price of diesel does bother me a bit.
by Don Christy
Fri Apr 25, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: VW TDI Engines
Replies: 48
Views: 12601

Re: Help me understand Michael Lewis' "Flash Boys"

2. You don't need a ridiculous summary phone call about potentially relevant news. You just can't act on the news until the next synchronization time. Problems solved. Speaking of scarecrows, that time delay is all some of my competitors need to deduce what I already know (about Eskom to continue m...
by Don Christy
Fri Apr 11, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 28871

Re: Passport, TSA Pre-Check, and Global Entry

PS: TSA-Pre is AWESOME. Like traveling pre 9/11 again...
by Don Christy
Fri Apr 11, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 59
Views: 3785

Re: Passport, TSA Pre-Check, and Global Entry

Can't really answer your questions, but I'm enrolled in SENTRI which allows easier crossing of the Mex / US border. Involved criminal background checks, and an in person imterview. Once TSA-Pre came along, it automatically allowed me to become TSA-Pre. Just had to enter my SENTRI number in the trust...
by Don Christy
Fri Apr 11, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 59
Views: 3785

Re: Anyone else very reluctant to buy right now?

Again the black swan event was a gross exaggeration to make a point about being so rigid and tied to your plan that you would invest knowing you are going to lose a lot of money ,which you would assume you will get back by staying the course. :beer Your premises are absurd; therefore so are your co...
by Don Christy
Thu Apr 10, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 13945

Re: Help me understand Michael Lewis' "Flash Boys"

Competing on speed adds no value, no pricing information to the market. Traders should compete on information, not physics. I don't see any way in which to separate information from physics, unless one is suggesting the utterly ridiculous, like every market participant gets a phone call from somebo...
by Don Christy
Tue Apr 08, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 28871

Re: Help me understand Michael Lewis' "Flash Boys"

Again, once you make a choice to have fragmented markets (which can be defended) under continuous trading (good luck outlawing it), there's no stopping the speed race. That's true, but you are assuming your conclusion, otherwise known as begging the question. Your assumption is that continuous trad...
by Don Christy
Tue Apr 08, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 28871

Re: Help me understand Michael Lewis' "Flash Boys"

However, it's also abundantly clear that HFT in general has been vastly beneficial to the markets (see, e.g., evidence in recent posts; now Don would say it's the rise of IT in the markets, but that's the same thing, since HFTs are simply the leaders of this change). Not really "Don" sayi...
by Don Christy
Tue Apr 08, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 28871

Re: Help me understand Michael Lewis' "Flash Boys"

Here's an idea http://faculty.chicagobooth.edu/eric.budish/research/HFT-FrequentBatchAuctions.pdf This paper is really quite interesting. After reading this, I believe many HFT advocates are conflating issues. Sure, we can all see and acknowledge the many benefits, including lower spreads, etc, of ...
by Don Christy
Tue Apr 08, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 28871
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