Search found 1077 matches

by Rainier
Mon Jul 27, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH in emerging markets
Replies: 4
Views: 339

Re: TLH in emerging markets

I did, but I rolled into more emerging markets.

Looks like I could be back in my original fund within a month.
by Rainier
Mon Jul 27, 2015 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 0
Views: 201

My Portfolio and My Investing Behavior

It has been awhile since I have done one of these and I am just looking for any thoughts and suggestions. Emergency funds: 3 months in I-Bonds, fully available for withdrawal, not included in asset allocation. May be reduced due to relatively large taxable account Debt: $311,000 mortgage, 3.99% / $1...
by Rainier
Sun Jul 26, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank reporting income in 2013 that is not income, need help
Replies: 8
Views: 605

Re: HSA Bank reporting income in 2013 that is not income, need help

Looks like user error, not HSA Bank.

They report all withdrawals to you as income. It is up to you to report them as qualified medical expenses to the IRS.
by Rainier
Sun Jul 26, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Business Class 1-way tickets
Replies: 4
Views: 555

Re: Business Class 1-way tickets

I think you can specific business class on sites like Kayak then use the site they recommend for your best options
by Rainier
Sun Jul 26, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 49
Views: 4860

Re: Where do you keep/park your emergency fund?

I don't have a separate emergency fund. I usually keep a little over 10k (about one month of household expenses) in my ally saving account. I have a very secure job and unanticipated unemployment will be rare. If I really need money fast, I can always sell some funds with long term gain in my taxab...
by Rainier
Sun Jul 26, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 44
Views: 3936

Re: Can you return food at a restaurant and not have to pay for it?

Some people do this all the time, I'm not religious, but I believe in karma. I have only done this once in my life and I have literally never complained about any other food order. I ordered an egg and when it came out it looked absolutely disgusting. I said sorry, but also explained this as politel...
by Rainier
Sun Jul 26, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3548

Re: Doc changing last name

Not a lot of work. You don't need new licenses, you just update your old ones. She didn't get a lobotomy did she? She is still the same person? It is just a name. If she wants to change her name then she should. It is a one time deal. Again, with a valid marriage license this is not a big deal. I wo...
by Rainier
Sun Jul 26, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2631

Re: Vanguard Account Hacked

Without more information I can only conclude this is 100% user error. Your password was either "password" or you unknowingly gave it to somebody. If somebody tried to guess your password they would have been locked out after a few tries unless they hacked into Vanguard itself and had acces...
by Rainier
Sun Jul 26, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2631

Re: Vanguard Account Hacked

???

Why is this post so cryptic? What are you getting at?
by Rainier
Sat Jul 25, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) loan and I'm changing jobs
Replies: 17
Views: 1143

Re: 401(k) loan and I'm changing jobs

Used car loan from PenFed.

Why would your spending change with the new job? You are putting all your extra cash toward the loan, you won't have any extra cash to spend.

Seems like paying the tax and penalty might be the best medicine for your mistakes.
by Rainier
Sat Jul 25, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 817

Re: Hourly W2 - Any Retirement Options?

A taxable account. You can make unlimited contributions and only pay taxes on realized gains at mostly preferential tax rates.
by Rainier
Sat Jul 25, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 15
Views: 1711

Re: Paying mortgage down to $1M - am I thinking about this correctly?

You get three years from the day you filed to amend.
by Rainier
Sat Jul 25, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 15
Views: 1711

Re: Paying mortgage down to $1M - am I thinking about this correctly?

My understanding and reading of IRS guidelines is that interest on home equity debt ($100,000) is treated separately from home acquisition debt (limit $1,000,000), and home equity debt specifically excludes debt used to purchase the home. http://www.irs.gov/publications/p936/ar02.html#en_US_2014_pu...
by Rainier
Sat Jul 25, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 15
Views: 1711

Re: Paying mortgage down to $1M - am I thinking about this correctly?

You only need to pay down $16k. You get $1.1m.

$1m mortgage plus $100k home equity. It doesn't matter that all are within your mortgage

Assuming you don't have a heloc already.

Also, think about amending 2014 to grab that extra $100k of eligible deduction.
by Rainier
Sat Jul 25, 2015 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation / rebalancing with very small portfolio
Replies: 28
Views: 1293

Re: Asset allocation / rebalancing with very small portfolio

I'd rather knock out that high rate debt, that is a guaranteed return. You can beat that by investing in the market but only over long periods of time.

Or maybe reduce the emergency fund, 6% versus 2% is a no brainer
by Rainier
Wed Jul 22, 2015 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Expats: What next for taxable accounts?
Replies: 3
Views: 607

Re: Expats: What next for taxable accounts?

Why are you unable to give up WI residency? There are different rules but if you haven't stepped foot in the state you may be a non resident by statute.
by Rainier
Wed Jul 08, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 2952

Re: NYSE trading halted

I remember during the London subway bombings they were calling it a power surge for several hours.
by Rainier
Sun Jun 28, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4782

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse. Closing the banks is not necessarily the first stage of an uncontrollable collapse. Great Britain had an emergency bank closure during the so-called "Sterling Crisis of 1968" when the cou...
by Rainier
Sun Jun 28, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4782

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse. What would travel insurance get you? How would you make a claim? The first stage in a Grexit, yes. Uncontrollable collapse? No. Travel insurance presumably pays out in the currency of the country i...
by Rainier
Sun Jun 28, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4782

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse.

What would travel insurance get you? How would you make a claim?
by Rainier
Sat Jun 27, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4782

Re: Travel to Greece

What's the risk? Based on history, Greek civilization will still be there in 2016. They've been around longer than we have. Biggest risk is you pay full price in Euros I think. Next biggest is massive civil unrest and strikes. Either way, life will go on in Greece. The sooner they take their medici...
by Rainier
Sat Jun 27, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4782

Re: Travel to Greece

Would be cheaper on a Greek airline after a conversion. In theory. Hotels might not be a good deal. Dining out and local goods would be. Bringing dollars and euros to exchange on the black market would be your best bet. Being there during the first few weeks after an exit would be very chaotic and p...
by Rainier
Sun Jun 21, 2015 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4241

Re: Is Private Banking ever useful for simple Bogleheads

Seems like most of you have a perception that private banking has a cost. In most cases it does not, it is a benefit of keeping large amounts of money at an institution. You can have a private bank account at JPMorgan and still trade low cost ETFs and get free wires, cheap loans, etc. Just don't use...
by Rainier
Sun Jun 21, 2015 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Help and Feedback
Replies: 9
Views: 1204

Re: Taxable Account Help and Feedback

radiowave wrote:You may want to consider intermediate tax exempt municipal bonds in your taxable account (VWITX)

https://personal.vanguard.com/us/funds/snapshot?FundId=0042&FundIntExt=INT


Why?

The OP is likely in the 0% bracket for dividends and capital gains.
by Rainier
Sun Jun 21, 2015 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Converting a UTMA account to Roth
Replies: 5
Views: 741

Re: Converting a UTMA account to Roth

27 year old child?

In theory you can't do anything. At this point it belongs to your son. You can suggest he moves the funds to a Roth.
by Rainier
Sun Jun 21, 2015 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Issuing a single $590 payment to avoid 1099 reporting
Replies: 13
Views: 1799

Re: Issuing a single $590 payment to avoid 1099 reporting

Has nothing to do with ethics. Law says $600 or more report 1099. If you pay them $595 you don't have to report it on a 1099. Also, why do you issue 1099's if under the $600?! That seems like a strange thing to do, if I were one of those vendors I would be at least irritated by that. But why? You h...
by Rainier
Sun Jun 21, 2015 4:56 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10090

Re: Backyard conundrum

I've always wanted to get a landscape design that I could implement myself over time. Will nurseries/garden centers really do this for $600? If so, I feel like there is an underlying commitment.
by Rainier
Tue Jun 16, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3462

Re: Tax savings of moving to no income tax state

Beware most no income tax states have big property taxes and in some instances they also have big insurance bills. So much or all of the savings you gain on income taxes you give back as high property taxes and huge insurance bills. That is the case in Florida and Texas so depending on what home yo...
by Rainier
Mon Jun 15, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for the laundry, furnace room
Replies: 22
Views: 2458

Re: Dehumidifier for the laundry, furnace room

Today in NY we have over 80% humidity. My furnace room has a whole about 14" x 8" through the cinder block for the purpose of venting to the outside. My guess is that is is a good thing. Any dehumidifier would obviously be dehumidifying the air that comes through that vent as well as the ...
by Rainier
Sun Jun 14, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1277

Re: New Irrigation System - Optimal Setup

Thanks for the tips. If I get the seed going then I plan on dialing it way back after it is established. I'm on top of how much rain we get every week so I'm likely to run the system manually when it is needed.

Next step will be to measure how much water the system is putting down in each zone.
by Rainier
Sun Jun 14, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1277

Re: New Irrigation System - Optimal Setup

I'm in Connecticut. Not sure on the seed, whatever people grow here, not the kind that goes dormant in the summer.
by Rainier
Sun Jun 14, 2015 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2076

Re: Anyone have multiple IRAs through different brokerage firms?

Not a big deal. Between my wife and I we have 5 IRAs. Most are at Fidelity, one is at Schwab. Nice! And just to clarify, the 5500 amount is PER person not as a married couple correct? She also has a 401k Yes, per person, but there are restrictions based on income and if you are covered by a plan at...
by Rainier
Sun Jun 14, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1277

New Irrigation System - Optimal Setup

I finally got sick of moving sprinklers and a burnt out lawn by August so we just installed a five zone irrigation system in coastal Connecticut. Looking for thoughts/suggestions on how to use it most efficiently. The system has a rain sensor. We just put down a lot of new grass seed. What is a good...
by Rainier
Sun Jun 14, 2015 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2076

Re: Anyone have multiple IRAs through different brokerage firms?

Not a big deal. Between my wife and I we have 5 IRAs. Most are at Fidelity, one is at Schwab.
by Rainier
Wed Jun 10, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2684

Re: Secondary CDs

Buy secondary CDs during distressed markets.

I picked up some real gems in 2008 when banks were failing.
by Rainier
Sat Jun 06, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: I hate garage sales; do I have company?
Replies: 38
Views: 2625

Re: I hate garage sales; do I have company?

My town limits households to two sales per year. Not sure it is enforced, but needed to keep people from running never ending sales every weekend.
by Rainier
Tue Jun 02, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 1975

Re: Buying a condo in earthquake-prone area?

For what it's worth, I would not purchase real estate in an earthquake-prone area. At best, you're setting yourself up for constant anxiety. Honestly, it's not worth much at all. A large portion of the population (say 30%) live in earthquake-prone areas. You might, and not even realize it. I think ...
by Rainier
Tue Jun 02, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 1975

Re: Buying a condo in earthquake-prone area?

How do mortgage companies tolerate this?
by Rainier
Wed May 20, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Selling old 14k jewelry
Replies: 15
Views: 1315

Re: Selling old 14k jewelry

You can get around $104.00 at todays price and assuming the ring weighs 5 grams at Midwest Refineries, 4471 Forest Ave., Waterford, Michigan 48328. I used Midwest Refineries for an odd assortment of gold jewelry which I had no interest in keeping. I really had no idea how much it was worth, but tru...
by Rainier
Fri May 01, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Bangkok
Replies: 17
Views: 1408

Re: 2 Days in Bangkok

I like the gold Buddha and the reclining Buddha vi was actually going to vote against the Jim Thompson house, sorry. Also, the big market is very cool, forgot what it is called? And the red light district after dark is a must see...no need to go inside, just walk the market. I saw this viral video a...
by Rainier
Fri Apr 24, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 1020

Re: Which mortgage loan would you choose (recast or not)?

$1.1m is tax deductible not $1m

You don't need to have a seperate HELOC to claim the extra $100k.
by Rainier
Fri Apr 24, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 38
Views: 4450

Re: 1/3 of those SAVING for retirement have less than $1000

Who cares. This has always been the case and always will be the case. Society will continue on and every generation will be a little wealthier than the last.
by Rainier
Fri Apr 24, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 5000

Re: Best touristy places to live in the world?

I kind of agree.

I used to live in Salt Lake City and I loved riding the lifts with tourists. It was also great having people from all over the world during the Olympics.
by Rainier
Fri Apr 24, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA Options
Replies: 15
Views: 730

Re: Inherited IRA Options

Putting $80k into a trust is criminal, please do everything possible to keep fees as low as possible.

I don't know the IRA rules.
by Rainier
Wed Apr 22, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Reducing Monthly Costs
Replies: 29
Views: 2822

Re: Reducing Monthly Costs

I successfully petitioned to have my property tax assessed value reduced last year. (Big savings. I did it myself--did not hire a professional, but did get advice from friends who had grieved theirs in the past. Only cost was a $30 filing fee, and even that filing fee was refunded back to me becaus...
by Rainier
Wed Apr 22, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Reducing Monthly Costs
Replies: 29
Views: 2822

Re: Reducing Monthly Costs

Are there any rules of thumb for insurance regarding raising deductible versus cost savings?

For example raising my homeowners deductible from $1k to $2k but only saving $10/year wouldn't make sense.
by Rainier
Tue Apr 21, 2015 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Monthly Investment Fee??
Replies: 2
Views: 384

Re: HSA Monthly Investment Fee??

That's a good deal for an HSA. As your balance grows that fee will become a smaller portion.
by Rainier
Tue Apr 21, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ATM card overseas
Replies: 5
Views: 550

Re: Fidelity ATM card overseas

I don't believe their is a 1% conversion fee, if there is you are getting an excellent exchange rate with the Fidelity ATM card.

I use mine and always check in the evening what the rate was and it always seems very close to the spot rate at the time. Its so close I never think about the rate.
by Rainier
Tue Apr 21, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12726

Re: How much do you pay in Property Taxes?

This is like comparing apples and pianos. Too many variables with no comparisons. Mine are about 1% of appraised value, we don't have trash pickup but we do have the best public schools in the state and possibly the country. The mill rate in the town (city) next to ours is about double...they have s...

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