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Re: What did you do with unwanted baby gear?

Is there a second hand baby store around where you live?

They may not take car seats due to safety reasons, but other stuff they should.
by VGSailor
Sat Jan 04, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1228

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

I will go with 1933.34
by VGSailor
Sat Jan 04, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10655

Re: Break Away from Ameriprise

I was with Ameriprise for a short while but moved everything over to Vanguard. As someone said, contact Vanguard and you'll likely want to do an in-kind transfer (if possible). Once you transfer, you can then sell and buy cheaper Vanguard funds. People here can help you pick an asset allocation and ...
by VGSailor
Fri Nov 01, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Break Away from Ameriprise
Replies: 7
Views: 1246

Re: Moved to the city and car insurance premiums skyrocketed

I pay Geico 338.00 total every 6 months for 2 cars,2012 Honda Fit,2013 Honda Crv full coverage. It takes just a few minutes to get a quote from the Geico website. I was with State Farm about for 12 years,switched to Geico 5 years ago,premiums drastically different. By the way I am not affiliated wi...
by VGSailor
Thu Aug 29, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moved to the city and car insurance premiums skyrocketed...
Replies: 29
Views: 1761

Re: Deferred Payment Loan

Thanks grabiner and Rainier. So at the end of thirty years, the payment is $66,626 + shared appreciation value. This is all due at once at 30 years if they were to live in the house for that long. My understanding of this program/mortgage is that during this 30 years, the family should be saving so ...
by VGSailor
Thu Aug 22, 2013 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Payment Loan
Replies: 4
Views: 480

Deferred Payment Loan

Hi All, I'm trying to figure out a home mortgage situation but am unclear on some terms. I'm wondering if someone could help me understand it a little better. Background: Low-income couple wanted to purchase a house. They went through Homesight, an organization that helps low-income households buy a...
by VGSailor
Wed Aug 21, 2013 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Payment Loan
Replies: 4
Views: 480

Re: Ameriprise + steps to transfer to Vanguard

-- My advisor is paid in mid-January so I'm assuming I just ride out the rest of this year before transferring? Thanks. Den This is my favorite part about helping someone who is looking to switch from Ameriprise. http://www.ameriprise.com/content/files/AMP_402004.pdf Fill out this form and at least...
by VGSailor
Fri Jun 28, 2013 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 1032

Re: helping brother with investment

Thank you for your replies so far. I will double back with my family and let them know of the CD options at 1-1.5%. I will also check local credit unions, etc. since my family may be more comfortable with a brick and mortar. That said, it seemed like my family wasn't so keen on the 0.4% and was will...
by VGSailor
Tue Jun 11, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping brother with investment
Replies: 4
Views: 751

helping brother with investment

Hello folks, Let's say that someone has 100K in CDs that is about to mature. There is no immediate need for this money, but it is also not earmarked for retirement. This is money that could be used in a wedding or house down payment within the next 5 years. My estimate is that it wouldn't be needed ...
by VGSailor
Sun Jun 09, 2013 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping brother with investment
Replies: 4
Views: 751

Re: Price on Amazon.com yesterday? (Pre-order Guarantee)

They have been completely above-board with me on every order. At one point I looked it up, and I had spent more than $20,000 with them. We are probably up to $30,000 now. I think the corporate culture is about being honest and decent; they walk the walk. Did you sum up the total of your purchase yo...
by VGSailor
Fri May 24, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1861

Re: How do I tell how I am doing? (and general advice)

Perpetual, I will also add that Mint.com doesn't track investments correctly. I wouldn't really follow that. With regards to tracking performance, I personally look at it as how much did I put in and how much is it worth now. As others have said, not sure what you would do with this information, but...
by VGSailor
Wed Apr 17, 2013 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I tell how I am doing? (and general advice)
Replies: 25
Views: 3018

Re: Poor couple looking for retirement IRA advice

We have done our taxes but have not sent them yet. our AGI for 2012 after 401k deductions and health was $35,696. I never knew about this savers credit thing that you are all talking about. I guess I don't understand how we can claim a savers credit on his 401k contributions and our IRA contributio...
by VGSailor
Mon Feb 11, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 4264

Re: American opportunity tax credit calculations

Jared,

Yea, I guess this was my question. Thanks for finding that source of information for me. It seems to me the most straightforward way to figure it out is to just ask the school.
by VGSailor
Sun Feb 10, 2013 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 886

Re: American opportunity tax credit calculations

OK, so even though the 1098-T may show the amount billed for 2012 as $10,000, you didn't pay all of it (my 1098-T does not show amount paid, only amount billed). If it were me, I'd do whichever was to my advantage depending on my tax situations in 2012 vs. 2013. Otherwise, it doesn't matter, since ...
by VGSailor
Sat Feb 09, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 886

Re: American opportunity tax credit calculations

Thanks everyone for your replies. I'm not sure if my question was clear or if I made clear what my question was. I think it boils down to this. Let's say, Tuition Spring 2013: $10,000 Room Spring 2013: $5,000 In December 2012, I pay $5,000 to cover some of the costs of 2013; In January, I pay the re...
by VGSailor
Sat Feb 09, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 886

American opportunity tax credit calculations

Hello all, I have a question regarding the American opportunity tax credit; specifically, it is regarding the calculation of qualified educational expenses. An example below shows my confusion: Tuition for Fall2012 and Spring2013: $20,000 Room and board for Fall2012 and Spring2013: $10,000 Paid out ...
by VGSailor
Sat Feb 09, 2013 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 886

Re: Our cable bill is over $200 !!!

I only have basic cable because my internet is actually cheaper bundled with it rather than stand-alone.

So basic cable and internet for me costs $45/month; cell phone is $30/month.
by VGSailor
Tue Feb 05, 2013 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Our cable bill is over $200 !!!
Replies: 89
Views: 8234

Re: cheap cell plan with minutes only

http://prepaid-phones.t-mobile.com/monthly-4g-plans

I would try T-mobile monthly plan. I have my wife on the $30 1500 minutes text and talk. Cheapest option for us even though we don't necessarily use up all those minutes.
by VGSailor
Thu Jan 03, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: cheap cell plan with minutes only
Replies: 14
Views: 1413

Re: IRA contribution mistake

billyT, EDIT: I'm assuming billyT just made a mistake in contributing to a tIRA instead of a ROTH (not that there were excess contributions) I had a similar problem as you: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=101421 I contributed to a tIRA but then afterwards realized that I woul...
by VGSailor
Wed Jan 02, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA contribution mistake
Replies: 21
Views: 1121

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1568.23
by VGSailor
Wed Jan 02, 2013 11:29 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15105

Re: Budgeting Tools

I agree with the excel recommendation. Set up it up so that you can enter in your monthly income and expenses. If you use mint, it can help greatly for categorizing things. For example, you could have a Bills category, with sub-categories for Electricity, gas, phone, internet, etc. You can use mint ...
by VGSailor
Wed Nov 28, 2012 11:27 am
 
Forum: Personal Consumer Issues
Topic: Budgeting Tools
Replies: 18
Views: 1306

Re: Loophole to Avoid Ameriprise ~$200 Termination Fee?

Have you been paying an advisor fee all these years as well? That you may be able to get back or at least pro-rated. Ameriprise has a form for such purposes. http://www.ameriprise.com/global/docs/refund-request-form.pdf I was able to get some money back after my "advisor" said he was only ...
by VGSailor
Fri Nov 23, 2012 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Loophole to Avoid Ameriprise ~$200 Termination Fee?
Replies: 6
Views: 786

Re: gift giving etiquette for not attending bday party

Yea, the co-worker invited everyone in the office, not just my wife.
by VGSailor
Tue Oct 16, 2012 9:18 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2185

Re: gift giving etiquette for not attending bday party

Of course, you can't attend the party since you already have a family reunion (or something like that) on your schedule 8-) , but a small inexpensive gift is perfectly fine for someone not attending, especially since there is no real tangible (or positive) relationship between the two. If this pers...
by VGSailor
Mon Oct 15, 2012 8:51 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2185

Re: Recommendation for laptop

Linuxuser, I know nothing about computers, but how would one clean the vents on a laptop? My wife has a laptop and I would like to prevent such issues if I can. Thanks. You can take compressed air and do quick spurts into the air vents. That should get out some of the dust balls. The best thing to ...
by VGSailor
Sun Oct 14, 2012 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for laptop
Replies: 16
Views: 1030

gift giving etiquette for not attending bday party

My wife was invited by a co-worker for her child's 1st birthday party. This co-worker originally didn't really like my wife for some reason and behaved very rudely towards her. For example, my wife says hello and the co-worker would ignore her. Then about a month or so ago, this co-worker does a com...
by VGSailor
Fri Oct 12, 2012 9:26 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2185

Re: Comcast "Blast" Internet Service: Worth It?

I would have to say no. Are you currently having issues right now with downloading/streaming video? Here was my experience. I was on the promotional Performance plan which offered 20Mbs down. Ok, everything works great, netflix, hulu, youtube, general video streaming, etc. The promotion ends, so I s...
by VGSailor
Wed Oct 03, 2012 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Comcast "Blast" Internet Service: Worth It?
Replies: 20
Views: 16465

Re: Cell phones breaking budgets!

I pay $38/month for cell phone and $30/month for internet. Cell phone is $30/month T-Mobile pre-paid plan for my wife since she uses the phone to talk/text to her family. 1500 minutes a month is more than enough to do that. For myself, I do the $100 for 1000 minutes a year so it ends up being $8/mo...
by VGSailor
Thu Sep 27, 2012 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 9832

Re: Cell phones breaking budgets!

I pay $38/month for cell phone and $30/month for internet. Cell phone is $30/month T-Mobile pre-paid plan for my wife since she uses the phone to talk/text to her family. 1500 minutes a month is more than enough to do that. For myself, I do the $100 for 1000 minutes a year so it ends up being $8/mon...
by VGSailor
Thu Sep 27, 2012 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 9832

Re: recharacterization question

Ok. Thank you everyone. I will call Vanguard and let them explain it to me and tell me what to do. I didn't know if they would handle it for me or not. This makes it easier for me then, since I don't have to figure it out by myself. I will also include a letter explaining what I did when I send in m...
by VGSailor
Tue Aug 21, 2012 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: recharacterization question
Replies: 5
Views: 459

Re: big diamond ring

I have bought my engagement and wedding rings from bluenile. I'm not an expert on diamonds, etc. but I can vouch that they are are legitimate company. For the engagement ring, we got all the certified documentation along with it. They sometimes have a 10% discount promotion so you might want to wait...
by VGSailor
Tue Aug 21, 2012 8:43 am
 
Forum: Personal Consumer Issues
Topic: big diamond ring
Replies: 80
Views: 9792

recharacterization question

Hello, Let's say that one needed to recharacterize a tIRA contribution to a ROTH. I've been reading about recharacterizations and just wanted to make sure that I have this understanding correct. On May 21st, I made a $5k contribution to VEIEX (emerging markets) in my tIRA bringing the total balance ...
by VGSailor
Tue Aug 21, 2012 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: recharacterization question
Replies: 5
Views: 459

Re: Furniture "protection plans'

Maybe I am old school but I never buy extended warranties or protection plans. It always bugs me when I play a major appliance or car and they want to sell me protection. Quality of design/manufacturing should be enough protection. Did i mention i was old skool I once was buying furniture and was a...
by VGSailor
Fri Aug 17, 2012 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Furniture "protection plans'
Replies: 10
Views: 4980

Re: Getting out of a retirement date fund.

I would check with HR about the 401k plan regarding load fees. Most times, the load fees are waived in the 401k plan. I was in a similar situation. My company was switching 401ks and gave us a list of new funds to choose from. I started doing research on them and looked up the funds on Morningstar. ...
by VGSailor
Fri Aug 03, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting out of a retirement date fund.
Replies: 12
Views: 1666

Re: How to fire your adviser

Firing my adviser was easy too. I sent him an email and said I was transferring my assets to another institution due to personal reasons (which was a result of finding this forum and learning to do it myself). I didn't even explain this and just went with, it's not you, it's me. I don't want to talk...
by VGSailor
Wed Jun 27, 2012 8:24 am
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 4909

Re: Vanguard Stock Tracking Feature

Can you tell me where this feature is located?
by VGSailor
Thu Jun 14, 2012 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Tracking Feature
Replies: 4
Views: 419

Re: Should I exercising stock options?

The capital gains tax rate issue is true. It could be 15% or 20% is what was presented to us. It is definitely something to consider as well.
by VGSailor
Tue Jun 12, 2012 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I exercising stock options?
Replies: 7
Views: 770

Re: Should I exercising stock options?

Do you really lose the exercise money if the stock isn't bought out? Wouldn't you still own the underlying shares? What happens if, 8 years from now, the company does an IPO or something? .... Again, though, the goal is to maximize your after tax return not minimize taxes, so you still might make o...
by VGSailor
Tue Jun 12, 2012 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I exercising stock options?
Replies: 7
Views: 770

Should I exercising stock options?

I have a question regarding whether to exercise my current stock options as incentive stock options (ISOs) or let them convert over to non-qualified stock options (NSOs). The difference between the two is that NSOs are taxed at ordinary income no matter how long you hold them while ISOs can be taxed...
by VGSailor
Fri Jun 08, 2012 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I exercising stock options?
Replies: 7
Views: 770

Re: Legal Question - Ameriprise Annuity

I hate Ameriprise so much. I was in a similar situation as you last year so I feel your pain. I moved all of my accounts at Ameriprise over to Vanguard with help from people here though. I didn't have a variable annuity, but I did have a variable life insurance policy with Ameriprise. In reading thi...
by VGSailor
Wed Jun 06, 2012 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Legal Question - Ameriprise Annuity
Replies: 33
Views: 3523

Re: Help me get out of my VULs

My VUL is with ANPAC or ANICO. I'll have to give them a call and see what my options are. As for the wifes - do I need to worry about taxes on her cash out? or will it be a wash since we probably put in more than it's worth? My understanding is that if you paid more in premiums that the surrender v...
by VGSailor
Thu May 17, 2012 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me get out of my VULs
Replies: 12
Views: 1207

Re: Help me get out of my VULs

My suggestion would be to call up Ameriprise and ask them questions until you are clear on what happens if you do x, y, or z. They should be able to answer your questions. By no means am I an expert on this, but here is what I have learned in my situation. My Ameriprise VUL has a variable account (e...
by VGSailor
Thu May 17, 2012 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me get out of my VULs
Replies: 12
Views: 1207

Re: "My Faith-Based Retirement" by Joe Nocera, NYT

It is interesting to observe the human instinct to constantly compare ourselves to others. In reading accounts of people who suffer big losses we can scoff at their poor choices. However, WE have a choice to make as well. We can ridicule others for their lack of financial education and feel comfort...
by VGSailor
Tue May 01, 2012 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: "My Faith-Based Retirement" by Joe Nocera, NYT
Replies: 143
Views: 9802

Re: Smartest Financial Move You Ever Made

I enjoyed the topic titled "your dumbest financial move". I'm used it as an opportunity to learn from others. I thought I would present another topic which might be helpful as well. What is the smartest financial move you ever made? The smartest financial move I've made happened 9 years a...
by VGSailor
Tue Apr 17, 2012 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 85
Views: 6115

Re: Company 401k Meeting - What questions to ask.

I can't help but laugh because my company pretty much has offered us the same thing. I raised concerns with the high expense ratios to HR but it probably fell on deaf ears. Also, since you are small (as is my company) the explanation that I got was that, "as a company, we do not have enough inv...
by VGSailor
Tue Apr 10, 2012 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Company 401k Meeting - What questions to ask.
Replies: 27
Views: 1939

Re: Roth versus Traditional IRA

Quick scan of OP's prior posts indicates: 1. Both he and his wife are covered by employer plans, so they are fully eligible for deductible TIRA contributions only if their MAGI is under $92,000, which his declared tax bracket suggests it is not. 2. They live in Massachusetts, which taxes TIRA contr...
by VGSailor
Sat Feb 18, 2012 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth versus Traditional IRA
Replies: 8
Views: 656

Roth versus Traditional IRA

Hello, Forgive my ignorance on the following question. Maybe I just haven't thought it through or maybe i'm just missing the big picture. Typical advice on whether a Roth or tIRA is better for a person is what tax bracket they will be in the future relative to the present. So, if a person is going t...
by VGSailor
Fri Feb 17, 2012 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth versus Traditional IRA
Replies: 8
Views: 656

Re: 401k rollover to IRA - tax implications

Are you sure? Normally a change of custodian is not a qualifying event. Has the company actually sent you documents offering the opportunity to take distribution without penalty? Brian I'm not sure what you are referring to. I am not planning to take any distributions. A distribution means taking t...
by VGSailor
Wed Feb 15, 2012 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to IRA - tax implications
Replies: 11
Views: 1166

Re: 401k rollover to IRA - tax implications

VGSailor, you kind of dodged the question. Have you received any information from your company that you will be allowed to roll your 401k out at the time of the custodian change? You only said I initially thought that I had to do a 401k to 401k conversion, which I filled out paperwork to essentiall...
by VGSailor
Tue Feb 14, 2012 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to IRA - tax implications
Replies: 11
Views: 1166

Re: 401k rollover to IRA - tax implications

Are you sure? Normally a change of custodian is not a qualifying event. Has the company actually sent you documents offering the opportunity to take distribution without penalty? Brian Hi Brian, I'm not sure what you are referring to. I am not planning to take any distributions. As I mentioned, my ...
by VGSailor
Tue Feb 14, 2012 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to IRA - tax implications
Replies: 11
Views: 1166
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