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Re: why do some people like Fidelity?

1. Because they allow transfer of tIRA pretax account into the Fidelity solo 401k and Vanguard does not. 2. Because they allow Spartan index funds in the solo 401k which have lower ER's than the solo 401k Vanguard funds. V does not allow Admiral shares in solo 401ks. 3. Because they assigned a rep t...
by Saving$
Sat Feb 21, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6709

Re: Poll: How Would You Want Your Estate Divided?

The strict per capita by generation is the fairest. HOWEVER, you need to make sure your will allows for this even if the situation changes. Years ago, I was the beneficiary of a modest (by this boards standards; it was in the four digits) inheritance. The will was written out with the names of the p...
by Saving$
Fri Feb 20, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3409

Re: Renting in retirement permanently. (Georgia?)

rents in the Atlanta area are on an upward trajectory predicted to continue well into 2020. Here is an article about rents increased 8% in the last year. http://business.blog.ajc.com/2015/02/20/metro-atlanta-renters-digging-deeper-for-landlords/ No way would I want to rent in my early 60's. Maybe in...
by Saving$
Fri Feb 20, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting in retirement permanently. (Georgia?)
Replies: 9
Views: 968

Re: Has anyone restored windows?

1. Yes, to answer your question, I have. 2. There is a draft feel from almost all windows. The windows allow more thermal transfer than the nearby wall, so it naturally feels colder near the window, which often feels like a draft. You need to figure out if it is thermal transfer or actual moving in ...
by Saving$
Mon Feb 16, 2015 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 1812

Re: Amica burned me, now what...

You got a bit emotionally attached to Amica insurance. They are not emotionally attached to you; they made an underwriting decision. Yes, their decision may have been based on improper interpretation of the documents, but that is how it goes. If you are otherwise happy with Amica, and plan to upgrad...
by Saving$
Mon Feb 09, 2015 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 4761

Re: Taking a giant pay cut - what steps to take?

I don't see the problem. You have annual expenses in the $40-$45k range, and your income is dropping to the $100k range. Plus you have 8 months of emergency fund ($25k?) and fully funded HSA and Roth, both of which you can pull from relatively easily (but not replenish) and 401ks. First, suspend con...
by Saving$
Mon Feb 02, 2015 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a giant pay cut - what steps to take?
Replies: 26
Views: 2841

Re: Online Statement Aggregator (Manilla, Fetch, etc.)

I've updated the above post to reflect Manilla is no longer available, as well as recent experience with Doxo (unchanged since last time) and Finovera. I've also added a few similar services.
by Saving$
Sat Jan 31, 2015 2:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Statement Aggregator (Manilla, Fetch, etc.)
Replies: 2
Views: 563

Re: How to Know You're Saving Enough?

You must increase your 401k to the max allowed. Good job on the Roth; continue to max. Start a taxable savings account and set a goal of saving in that also, maybe $10k/year or a bit more. Looks like your NW includes two cars at combined value of $67k. Not that you cannot afford it, but it is kind o...
by Saving$
Tue Jan 20, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Know You're Saving Enough?
Replies: 24
Views: 3112

Re: Downside of putting condo in a trust

Downsides: 1. In some states you are no longer eligible for the Homestead exemption on property tax 2. Issues with condo mortgage (if you have one) 3. Technically, the condo association should invoke their rules about non-owner occupied units. The trust is leasing the unit to you. At a minimum the t...
by Saving$
Sun Jan 18, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2875

Re: Reporter doing story on Turbo Tax Fracas

I don't do interviews, but I left TT over 10 years ago due to their "hidden software" debacle where they must files in a hidden part of your hard drive that stayed there even if you reformatted. Although it did not cause a technical problem, I was offended by their gall, and switched to Ta...
by Saving$
Wed Jan 14, 2015 3:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7242

Re: Bilingual households

I grew up in a bilingual household and can corroborate the above comments. Apparently before I started preschool, I was fluent (as fluent as a 4-year old can be, that is) in my parents' native language. When I started school, I transitioned quickly to English, and only wanted to speak English. Pare...
by Saving$
Wed Jan 14, 2015 3:41 am
 
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 5152

Re: POLL: Homeowners Ins cost $/month per $100k home value?

I'd be paying about double what I am if I had not raised my deductible to over $10k.
by Saving$
Tue Jan 13, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3238

Re: New Const or Renov cost/sf

Thanks for the link. Interesting info. I'm really just trying to get a midrange cost per sf price range. I know adding a 2nd level to an existing structure costs way more per sf than just adding an addition, so there is that difference. The materials matter, but a cost per sf would let you know it i...
by Saving$
Fri Jan 02, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: New Const or Renov cost/sf
Replies: 7
Views: 1061

Re: Am I contributing too much to retirement?

Any space you leave in your tax advantaged accounts is lost forever. So: 1. Contribute to the regular 401k up to the amount to get you back in the 15% tax bracket. 2. Contribute the max allowable to the Roth IRA. You can always take the principal out with no tax consequence, but you can't go back in...
by Saving$
Fri Jan 02, 2015 2:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 4835

New Const or Renov cost/sf

For those who have either built new or extensively renovated/built an addition recently, what was your cost per sf? Did the addition/renovation include kitchen & bath and/or exterior elements such as roof, siding & window? What part of the country? Hi end, middle or simple finishes? I'm gett...
by Saving$
Fri Jan 02, 2015 1:34 am
 
Forum: Personal Consumer Issues
Topic: New Const or Renov cost/sf
Replies: 7
Views: 1061

Re: LED Flood Light Question (CREE/FEIT/Etc)

I actually just recently earned some Continuing Education credits from a class about the intricacies of various types of LED bulbs. My personal conclusion is a preference for the best lumens to wattage ratio, which I found to be the CREE bulbs.
by Saving$
Thu Dec 25, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 18
Views: 2839

Re: Stop contributing to 401k to pay off CC

I would not give up that match unless you have the ability to stop 401k contributions for a few months to pay off the bill then immediately restart and still contribute enough to receive the maximum annual match possible during calendar year 2015. Others have the right idea to try to transfer that ...
by Saving$
Sat Dec 20, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 401k to pay off CC
Replies: 21
Views: 1356

Online Security with Personal Financial Passwords - KeePass

I have used KeePass PW Manager on a local C drive for all my passwords for 10+ years. This includes all financial PW's so I suppose it is a treasure trove of info. I infrequently copy the file from my C drive to my other computer and to my Android. I would appreciate advice from the Bogleheads who u...
by Saving$
Sat Dec 20, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Security with Personal Financial Passwords - KeePass
Replies: 3
Views: 570

Re: International in Taxable - Advantage?

According to the Wiki, http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement all other things being equal, if you can put your international allocation in taxable, there is a slight advantage. I get that if you have millions even a slight advantage makes a difference. But if you...
by Saving$
Mon Dec 08, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 8
Views: 1137

Re: Family jewels, kind of.

Don't do it.

If the girlfriend really wants jewelery out of these diamonds, discuss having something make of them for a special anniversary - say 5 or 10 or 20. This puts off the issue and who knows what will happen by then - maybe they will offer them for free.
by Saving$
Mon Dec 08, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3451

Re: forumsee.com mirroring Boglehead content. Authorized?

topic .... (I don't want to spell out the entire site for fear of giving them more links...) has been doing this for quite some time. I alerted the mods to it back in August. They are not even directing back here or attributing anything to bogleheads.org, and they post the entire thread on their sit...
by Saving$
Mon Dec 08, 2014 4:45 pm
 
Forum: Forum Issues and Administration
Topic: forumsee.com mirroring Boglehead content. Authorized?
Replies: 14
Views: 2978

Re: Seeking Boglehead advice on new home

On being a LL - yeah, you might get lucky and make a killing if house prices go up. But you might get unlucky and lose out, or just tread water. It might be worth the risk if you could fix things yourself, but since you said you hire everything out, that will cost you. And it is a time sucker you pr...
by Saving$
Tue Nov 25, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 28
Views: 3531

Re: Simple Question

Is it in a taxable account?
What is the difference between it's value today, and the value of the day the decedent passed?
by Saving$
Mon Nov 24, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Question
Replies: 3
Views: 388

New Refrig with Icemaker. Filter?

Being the Boglehead that I am, I have never had a refrigerator with any sort of ice maker or water dispenser. When I recently had to replace the refrig, it turned out one with a built in icemaker was on sale for less than the similar model without icemaker. Being the Boglehead that I am, I bought th...
by Saving$
Sat Nov 22, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: New Refrig with Icemaker. Filter?
Replies: 7
Views: 816

Re: getting umbrella insurance

I was asked most of the above (occupation, do I have pool, boat, jetski, snowmobile, dog, etc, am I on a Board of directors) and was also asked if I entertain at home, how many time per year I invite guests to my house, how many guests, do I serve alcohol when I do so, do I know the people I invite,...
by Saving$
Fri Nov 21, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1602

Re: Tax Gain Harvesting - Charity / Gift to family

It means he is subject to the kiddie tax. He has a standard deduction of $1050, and the next $1050 of investment income (dividends and capital gains, and interest if he has a bank account) is taxed at his own rate, but anything beyond that is taxed at his parents' rate, likely 15%. If you gift him ...
by Saving$
Fri Nov 21, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvesting - Charity / Gift to family
Replies: 16
Views: 1621

Re: [Should I] rent out [my] house [for a 3-day event]?

In general, I would not do this. HOWEVER, for a few of my neighbors, I might. It would need to be a neighbor I totally trust. - This is not at all suspicious. The neighbor has family visiting, and wants the family to be able to stay directly next door rather than 1/4 mile away, or 1 - 2 miles away i...
by Saving$
Mon Nov 17, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 7184

Re: Not qualified for my job - what to do?

There are two things you need -
a) understand the facts
b) lead the team in the correct path

Google is the great equalizer for understanding the facts. Your outside consultants and others can help you understand which facts apply. Then you take the info and lead the team.
by Saving$
Sat Nov 15, 2014 1:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5517

Re: Not qualified for my job - what to do?

All of us work with plenty of other people every day who have no idea what they are doing, and are not qualified for their jobs. The ones who pretend they know how to do something are the worst. The ones who admit that the outside consultant may know more, that others have something to offer, who li...
by Saving$
Sat Nov 15, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5517

Re: Dealing with pressure for "social donations" at work

Any chance that this is not actually a for real thing? How do you know that the money collected is actually going to the employees, as opposed to being pocketed by the person collecting the money? Or 10% goes to the employees, 90 to the collector? Sure it would be blatant, but if someone came up wi...
by Saving$
Sat Nov 15, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 16795

Re: 36 y.o. New at investing, am I in too much debt?

Ruralavalon gave good advice but I would change two things: In my opinion next year do not do a Roth, backdoor or otherwise. In my opinion don't take a new loan from anyplace, even your 403b. My idea on best order of priorities for 2015 (and later) is still this: 1) do not incur any more debt; 2) co...
by Saving$
Sat Nov 15, 2014 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 6683

Re: Late medicare enrollment if you switch from insurance

It appears the only way you can avoid the Part B and Part D penalty is either by enrolling at 65 or, if you don't enroll, if you are continuously employed and are covered by your employers group policy, for which you can obtain a "credible coverage" letter.
by Saving$
Wed Nov 12, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late medicare enrollment if you switch from insurance
Replies: 10
Views: 1151

Re: Confused by Wiki Advice on HSA Spending

I don't understand the examples that are like "pay expense from HSA, contribute that amount to 401k." What? I understand the examples where you contribute the money to a Roth IRA, but I don't understand how paying medical expenses from your HSA has anything to do with contributing to a 40...
by Saving$
Tue Nov 11, 2014 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 26
Views: 3250

Re: HoA for Building - What to consider for a Subdivision

Does each unit owner get one equal vote? If so, and they divide one commercial unit into three, there will be two additional votes representing the interests of commercial/retail owners vs. resi owners. This may not seem like much, but, for example, lets say your association docs require 80% approva...
by Saving$
Tue Nov 11, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 492

Re: Confused by Wiki Advice on HSA Spending

Think of it like this: Money going into the HSA and 401k is pretax. So if you earn $100k in a year and are in the 25% federal and 5% state tax bracket, it works like this: Scenario 1: No money into HSA or 401k; $100k has 30% income taxes; net take home is $70k, no retirement savings Scenario 2: $330...
by Saving$
Mon Nov 10, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 26
Views: 3250

Re: Questions for Experienced Aeron Chair Owners

Why does it need to be replaced?
by Saving$
Sat Nov 08, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Questions for Experienced Aeron Chair Owners
Replies: 2
Views: 345

Re: War on Debt

1. You ARE in dire straights. Nothing will change until you admit it. 2. You posted how you got into credit card debt. Some of it is poor decisions (all of which you blamed on ex or current wife - but still, VERY poor decisions). The rest of it is what is called LIFE. Stuff happens, and you need fun...
by Saving$
Sat Nov 08, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32643

Re: Fidelity Mutual Fund Strategy?

You want 70/30 stocks to bonds with 20% of your stocks in international So you want about the following: 55% of total in Domestic Stock 15% of total in International Stock 30% of total in bonds. You have $40k in a 401k $35k in a Fidelity Traditional IRA $10k extra So you have $85k total investable a...
by Saving$
Wed Nov 05, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 4072

Re: Fidelity Mutual Fund Strategy?

You are making this wayyyyyyy too complicated... 1. Figure out your desired asset allocation and WRITE IT DOWN. This will get you started on reallocating/rearranging this mess. 2. Figure out how much you need in an emergency fund and WRITE IT DOWN. 3. Figure out how much you need for ongoing expense...
by Saving$
Tue Nov 04, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 4072

Re: LED Christmas lights?

On color, the bright white lights are too blue and the soft white lights are too red. This is consistent across the brands I've tried. I use the bright whites because they're brighter. I got some hallway night lights with white LEDs, and they were like an white blue ice pick in the eye. This is wha...
by Saving$
Mon Nov 03, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3765

Re: First House Question

1. Buy a house because it sounds like what you want, and you are well able to afford what you want. The money is supposed to be useful, not only be saved. 2. Keep your cap at $1.2 m because that makes you comfortable, and it works well with your numbers. 3. If your income is not steady, you may only...
by Saving$
Mon Nov 03, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: First House Question
Replies: 23
Views: 2182

Re: What online banks do you like for savings or MMA?

Alliant CU is good and maintains a consistently higher than average rate. They used to have high HSA rate, but no more - they are the same as their regular savings. Quorum CU has 1.05% and has a stellar website and good customer service. UFB Direct has 1.25% if you have at least $25k account balance...
by Saving$
Thu Oct 30, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 3392

Re: Lincoln MKC - anyone tried this one out?

Isn't is a rebadged Ford Escape?
by Saving$
Thu Oct 30, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Lincoln MKC - anyone tried this one out?
Replies: 12
Views: 1609

Re: Mold, mold, mold!!! In Massachusetts..

It is probably not mold. Probably mildew.
But if LL will let you out of the lease sounds like that is better for you.
by Saving$
Thu Oct 30, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 18
Views: 2359

Re: Bogleheads.org equivalents for other areas of life?

For anything travel related, the community at http://www.flyertalk.com is the best resource. High quality info, respectful community, etc.
by Saving$
Sun Oct 26, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 8309

Re: Best health insurance plan for a bad year (cancer)?

#2. Cancer is enough stress. She does not need the stress of worrying that some bonehead in a doctors office will send something off to a not in network lab and then she will be liable, or some doctor will have a not in network tag along who want to invoice for services. Too much stress. I'd take #2...
by Saving$
Sat Oct 25, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2623

Re: Should I Sue? [couch damaged in garage of rental]

Garages are for cars, not upholstered furniture. They are not airtight, watertight or conditioned, because none of what is supposed to be in a garage needs any of that. It just needs to be generally out of the elements. To say the rental place needs to meet current code is silly. It could have been ...
by Saving$
Sat Oct 25, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3440

Re: Reduce income to fall below 401k HCE threshold?

So you already max out the 401k. If you are 50 or over, do you max out the 401k catch up contribution ?(it is not counted in the HCE calc) Do you max out a Roth IRA? If you are 50 or over, do you max out the Roth catch up contribution? Are you eligible for an HSA? If so, do you max that out and pay ...
by Saving$
Fri Oct 24, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce income to fall below 401k HCE threshold?
Replies: 9
Views: 938

Re: Feeling rich to feeling poor overnight

1. Trim expenses. 2. Don't look at the move as permanent - find a "filler" place while you decide if you will buy, which it sounds like may be influenced by the relationship 3. Don't spend 30 min each way commuting. Time is more valuable than money. You are concerned about not contributing...
by Saving$
Fri Oct 24, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11447
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