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Re: Would you let your employer cover the bill or your auto-

I guess, I don't understand how it works. The insurance person asked where it happened (at work) and didn't ask any other questions re his employer. They probably know his employer's name and that's how they'll research and go after them :confused , but we didn't have any questions about pictures of...
by aida2003
Mon Mar 17, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you let your employer cover the bill or your auto-ins?
Replies: 2
Views: 291

Would you let your employer cover the bill or your auto-ins?

Hi, In relation to our story in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=135088&p=1994784#p1994784 the new development is that DH's employer said they'd cover our repair, but we would pay the total bill ourselves and then DH would file an expense report. So, what rout...
by aida2003
Mon Mar 17, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you let your employer cover the bill or your auto-ins?
Replies: 2
Views: 291

Re: Dividend stocks for current income in early retirement?

And what happens when your blue chips decide to cut the dividends (See 2009) by 20%? Can you still live off them or do you need to sell stocks in a down market. Maybe picking high dividend stocks perform better/have lower volatility but the evidence I have seen tends to be pretty mixed on that. But...
by aida2003
Sat Mar 15, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks for current income in early retirement?
Replies: 38
Views: 3504

Re: Advise please: Tree fell on our car at DH workplace

Here's the update on the case. DH talked to the employer facility's manager who didn't really know how it is with their insurance, etc. According to him, there was a case years ago when an employee ran into gates when leaving the parking lot and the company helped him out. If it doesn't happen in ou...
by aida2003
Thu Mar 13, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advise please: Tree fell on our car at DH workplace
Replies: 22
Views: 1590

Re: Retirement Planning - Did you ever think?

No, but then again, you don't need to do all these calculations. All you need to do is save a lot and be thrifty. That's what my folks did without any financial knowledge or spreadsheets. All this technology allows us to save less and be less thrifty and still (hopefully) get there. But we don't ne...
by aida2003
Thu Mar 13, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning - Did you ever think?
Replies: 33
Views: 3365

Re: Advise please: Tree fell on our car at DH workplace

Do you even have comprehensive insurance? The car's definately in the zone where you probably would drop it. Yes, we do. Based on the above posters sounds it's good we did in case the company wants to do nothing to help us out. Most said that we should avoid 'bad stuff' with the employer so probabl...
by aida2003
Thu Mar 13, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Advise please: Tree fell on our car at DH workplace
Replies: 22
Views: 1590

Re: Does This Person Need Umbrella Ins Coverage?

Is the $1m in taxable account only? I might be wrong but retirement accounts (401k, IRA's, etc.) are protected if you're sued. Please correct me if I' wrong or if it depends on the state people reside in.
by aida2003
Wed Mar 12, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Advise please: Tree fell on our car at DH workplace

Thanks, JT. That seems simple enough. I was just wondering in case our auto insurance doesn't cover falling trees (though I think I'm wrong), we hesitate to make a claim that isn't covered and then have our premium increased. But your advice seems logical what we should do. Do other people agree wit...
by aida2003
Wed Mar 12, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advise please: Tree fell on our car at DH workplace
Replies: 22
Views: 1590

Advise please: Tree fell on our car at DH workplace

Hello, I'd like to request BH advice how to handle everything because we have not a clue and of course we'd like to incur as little expense as possible. Here it goes: There's a very strong wind in our area today which caused an old tree to fall on my DH's car in the parking lot of his employer somet...
by aida2003
Wed Mar 12, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advise please: Tree fell on our car at DH workplace
Replies: 22
Views: 1590

Re: PPO or HDHP/HSA? Please help us understand/choose

Do you live in a state with an HSA state tax benefit?, because that would improve the HDHP HSA advantage even more. We live in NC. I googled yesterday and it says it doesn't tax HSA contributions :D . With the new governor, the income tax rate will fall to 5.8% in 2014, so that add a bit too. I'll ...
by aida2003
Sat Nov 09, 2013 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

Re: PPO or HDHP/HSA? Please help us understand/choose

And since you mentioned rocket science and medicine in the same post, here's a treat: http://www.youtube.com/watch?v=THNPmhBl-8I This was hilarious, thanks for the treat :mrgreen: . Since I'm not a rocket scientist, I'll stick with my statement though :D . BTW, you gave good examples about colonosc...
by aida2003
Fri Nov 08, 2013 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

Re: PPO or HDHP/HSA? Please help us understand/choose

4. Make sure the spouse is the primary beneficiary and your trust as the contingent beneficiary. If your spouse passes away first, then you become the owner of the HSA, can treat it as an HSA, and there is no taxable event. Make sure in this circumstance you immediately specify the trust as the rec...
by aida2003
Fri Nov 08, 2013 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

Re: PPO or HDHP/HSA? Please help us understand/choose

Analysis showed us that if one hits the max family payments in the first year, then the PPO+FSA is a better deal. But if one stays reasonably healthy the first year and contributes the max to the HSA, then the HDHP/HSA is better and then going forward it stays better as one's HSA builds up to cover...
by aida2003
Fri Nov 08, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

Re: PPO or HDHP/HSA? Please help us understand/choose

4) Can’t help you. I think I would get the HSA. $1884 in premium savings + 2250 employer contribution is $4134 in savings for the HSA if you have no claims. In-net, the difference in OOP max is $3,300 so in a bad year you still come out $834 ahead in the HSA. I would focus on in-network. BlueCard n...
by aida2003
Fri Nov 08, 2013 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

PPO or HDHP/HSA? Please help us understand/choose

Hello, I hope that the brainpower of BH's will help us choose the right plan for 2014 or at least provide some good advice so me make the appropriate choice ourselves. We're a family of 4 (parents with young kids: K & 2nd grade). We've used a PPO plan through 2013, but now we're on the fence for...
by aida2003
Fri Nov 08, 2013 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO or HDHP/HSA? Please help us understand/choose
Replies: 12
Views: 891

Re: UL insurance Cash Surrender: Tax question

Thank you so much. I didn't know he'll have to expect a 1099-R. I'll have to put this on the calendar.
by aida2003
Wed Oct 09, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: UL insurance Cash Surrender: Tax question
Replies: 3
Views: 289

UL insurance Cash Surrender: Tax question

Finally I convinced my DH to surrender his UL insurance policy and after a few calls with the agent, he forwarded me their Cash surrender form. My questions: 1. The form is asking to make elections for Federal and/or State tax w/h. Should we decline? 2. I think we should decline and report ourselves...
by aida2003
Wed Oct 09, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: UL insurance Cash Surrender: Tax question
Replies: 3
Views: 289

Re: We're in RIRA's phase-out area: How/what to plan for nex

The question you've directed at me suggests more confusion. The $5500 limit is for the total amount of Roth and TIRA contributions you can designate for 2013. You can spread between the two in any amounts you like (as long as your MAGI says that the Roth part is kosher). Example: your MAGI leaves y...
by aida2003
Fri Jun 28, 2013 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: We're in RIRA's phase-out area: How/what to plan for nex

letsgobobby wrote:Charitable donations don't lower AGI.


Definitely bed time for me. You're totally right. It reduces taxable income, but not the AGI, gee :oops: :oops:
by aida2003
Thu Jun 27, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: We're in RIRA's phase-out area: How/what to plan for nex

If you haven't already, you should read the wiki article on Backdoor Roths. http://www.bogleheads.org/wiki/Backdoor_Roth_IRA Key question is whether you or spouse have any existing trad IRAs with pre-tax amounts. If you do not, then the Backdoor Roth should be easy. Note that this applies to you an...
by aida2003
Thu Jun 27, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: We're in RIRA's phase-out area: How/what to plan for nex

Stop contributing to IRAs now. Then after doing your tax return for 2013 in 2014 (even if you don't file it), come back and ask your questions. You do NOT want to deal with overcontribution, excess contribution, excess deferral or whatever they will be calling it. Believe me. Been there. Done that....
by aida2003
Thu Jun 27, 2013 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: We're in RIRA's phase-out area: How/what to plan for nex

Since you have been making Roth contributions this year, you will have to deal with those if your MAGI indicates an excess Roth contribution. Alan, Are you saying that I've already messed it up? If so, no wonder, it's my 1st pancake with non-deductible TIRA's. We don't have any other TIRA accounts,...
by aida2003
Thu Jun 27, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: We're in RIRA's phase-out area: How/what to plan for nex

Have you exhausted all means of reducing your AGI -- FSA, maxing traditional 401k's, TLH? Unfortunately, yes, unless we give more to charity than we already do :confused. We usually get rid of kids' toys, clothes at the YE and take to GW, but not sure that would help us. Isn't only max $250 allowed...
by aida2003
Thu Jun 27, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

We're in RIRA's phase-out area: How/what to plan for next?

Hello, I hope knowledgeable people can give some advice or thoughts for us. Or if there is need, maybe I'll have to visit fairmark.com and post there. 2013 is the 1st year when our AGI will fall into the phase-out area (http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-Ca...
by aida2003
Wed Jun 26, 2013 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: We're in RIRA's phase-out area: How/what to plan for next?
Replies: 14
Views: 775

Re: Just finished a draft of my IPS, critiques?

What a great thread :sharebeer . We've been investing for years without an IPS. But this year I started thinking that I must draft one because with age (actually it started occurring two months ago) I began to question a few things and the IPS would have helped me to remember why I was doing this wa...
by aida2003
Fri May 24, 2013 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Hypothetical retirement scenario

Good luck on this :P :oops: . Google retirement calculators and start playing yourself :wink: . My short answer: millions for all :P
by aida2003
Fri May 24, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetical retirement scenario
Replies: 2
Views: 297

Re: Creative Planning Inc?

ORatz, there are several extremely good financial planners/investment professionals who frequent this board and provide great value for the money if it is a service you need or feel comfortable with. The .37 reference is likely regarding Rick Ferri at Portfolio Solutions. http://www.portfoliosoluti...
by aida2003
Fri May 24, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Creative Planning Inc?
Replies: 36
Views: 3066

Re: Gift for children

With regards to the trust, a lawyer will need to be involved to draft an appropriate document, so additional money and I think you'll still be paying taxes as you go. Either set up a custodial account for each child and invest on your kids' behalf, but if they're aware of them they might demand thei...
by aida2003
Fri May 24, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Gift for children
Replies: 16
Views: 1220

Re: XIRR function again

Thank you for your help. I'm in the long process of organizing my data. :( And then I'll start to apply XIRR formulas.

I've learned a lot from this thread and other linked information about XIRR. Thanks :beer
by aida2003
Fri May 10, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?

You're right that tax rules for IRAs are no excuse to delay rebalancing. Get off your <expletive> and get it done. An easier rule to remember is that if you wait until age 59.5, then it's all tax free. I forgot to mention that RIRA is all fine and tax-free after 59.5, thanks for noting this importa...
by aida2003
Fri May 10, 2013 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?
Replies: 3
Views: 404

Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?

I need to rebalance our portfolio and while stuggling to pull the trigger so to speak I started to 'invent' :twisted: :oops: questions in my head to delay the action. Anyway, the title of this thread is my question today. My own answer is that since all the money in 401k & deductible tIRA's are ...
by aida2003
Fri May 10, 2013 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?
Replies: 3
Views: 404

Re: Jack Bogle on "Market Timing."

Bogleheads: Adjusting our asset allocation based on stock valuations is a form of market timing aka tactical asset-allocation. This is what Mr. Bogle, our mentor, wrote in Common Sense on Mutual Funds: There is an option for bold and self-confident investors. It does not abandon the "stay the ...
by aida2003
Fri May 10, 2013 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your AA based on valuations?
Replies: 94
Views: 5009

Re: XIRR function again

Thank you, LadyGeek, Brad, and Oicurry, for your great answers. Now I understand that it's up to me to learn about XIRR or ditch it. I think I'll do the former first for sometime. I'll have to organize all provided information including on other links and start my course XIRR 101 :mrgreen: . It will...
by aida2003
Wed May 01, 2013 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: XIRR function again

Before using XIRR() it's best to make sure there is only one change of sign in the cash flows (e.g. a series of deposits followed by a series of withdrawals) this will keep the results in the region where small changes in inputs cause only small changes in the calculated XIRR(). Would I have to org...
by aida2003
Mon Apr 29, 2013 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: XIRR function again

Thanks for the reference. This thread is now in the wiki: Using a Spreadsheet to Maintain a Portfolio (Performance tracking) Madsinger, LadyGeek, EpsilonDelta and others, Thanks so much for great explanations and examples. Just reading your posts is a study in itself for me (I'm not a geek in anyth...
by aida2003
Mon Apr 22, 2013 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: XIRR function again

1. Wherever I've read so far, it says start with the beginning balance. Well, what about me who started investing in April 2012? What's the beginning balance then? Should I omit 1/1/2012 with ZERO balance (because it's a leap year the beginning balance cannot be 12/31/2011, I've read) and start wit...
by aida2003
Fri Apr 19, 2013 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: XIRR function again

If you don't mind my asking, was this for a certain stock or mutual fund? Sometimes with multiple contributions XIRR can provide some weird (but accurate) numbers. It assumes that your investment rose (or dropped) at the same rate throughout the time period, which is, of course, not true in the mar...
by aida2003
Fri Apr 19, 2013 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

XIRR function again

I apologize in advance, but it looks like I'm totally clueless about this function. I tried to follow this thread http://www.bogleheads.org/forum/viewtopic.php?f=10&t=107964, but I cannot proceed unless I get basics right. After googling and reading here, I'm missing something. I appreciate in a...
by aida2003
Fri Apr 19, 2013 9:38 am
 
Forum: Investing - Theory, News & General
Topic: XIRR function again
Replies: 38
Views: 4221

Re: Checking Net Worth Only Once a Year

I do yearly.
by aida2003
Thu Apr 18, 2013 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking Net Worth Only Once a Year
Replies: 41
Views: 4457

Re: How do you track & analyze your portfolio, esp.401k?

Livesoft, To my knowledge, MS Money has been discontinued by Microsoft. I remember it was one of the software installed on our first PC and I used it at the time for our expense tracking (I knew very little about investing 12 yearst ago). Since that PC died 5 years later, I haven't used any software...
by aida2003
Sat Apr 13, 2013 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 27
Views: 3337

Re: How do you track & analyze your portfolio, esp.401k?

Your post went off in about 5 directions before arriving at a clear question at the very end. Don't read the responses to your post, but just go here: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=107913 Here we go, this is what I'm talking about :D ...People know and I don't. After I fi...
by aida2003
Thu Apr 11, 2013 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 27
Views: 3337

Re: making our money work for us

Folks have said YES to paying down the principal and getting the PMI removed, several times, haven't they? But orginally the OP didn't say about the terrible location with the bad schools, did she? Wouldn't it be better even start thinking about putting the house on the market this year and get a n...
by aida2003
Fri Mar 01, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 6367

Re: How do you track & analyze your portfolio, esp.401k?

I don't bother with that sort of stuff. As an engineer, I have to think about data collection in terms of what I would do with it. If I figure out my personal return for the past year, or five, what will that mean to me? Will there be something I would change based on it? I'm not going to go throug...
by aida2003
Fri Jan 18, 2013 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 27
Views: 3337

Re: How do you track & analyze your portfolio, esp.401k?

Thank you for your replies. Wow, Lethean, that's a great write-up. I'll have to re-read and see if I wish to go for such a challenge. Did you collect all the detail of your 401k as well or your taxable accounts and IRA's only? The reason of my original post is because I've seen polls or threads in t...
by aida2003
Thu Jan 10, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 27
Views: 3337

Re: Pound Foolish by Helaine Olen

Thanks to your post I reserved a copy at my library. Based on the Publisher Weekly Review (see below), not sure how practical it is...just another author trying to make extra $$...self-serving or not? :beer "The worth of the personal finance industry is inversely proportional to its ubiquity, a...
by aida2003
Thu Jan 10, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pound Foolish by Helaine Olen
Replies: 2
Views: 676

How do you track & analyze your portfolio, esp.401k?

Hello, I think I need some wisdom from more practical minds because my vision doesn't stretch that far or I'm over-analyzing this whole thing :oops: :) . Pardon my thoughts below if they'll seem like rambling to you. So... I don't use any special software to track our portfolio. I did in the past bu...
by aida2003
Thu Jan 10, 2013 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 27
Views: 3337

Re: Have you received new 401K fee disclosures at your compa

I got mine. My 401k is with TRP with a few Vanguard funds mixed in. The ER's are they same as disclosed in their prospectuses, so not sure what exactly the reason was to send me. It's more for people who have wrap accounts, load funds, etc., I presume.
by aida2003
Fri Aug 17, 2012 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you received new 401K fee disclosures at your company?
Replies: 33
Views: 2636

Re: How to invest small sums of cash

Isn't is STAR fund of Vanguard at min.$1K to open? That's a reasonable fund to start for accumulating to $3k and more. Or you can open an index fund with Schwab that require $100 minimum and low ER. I haven't invested with this company, but I think it's respectable.
by aida2003
Fri Aug 10, 2012 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest small sums of cash
Replies: 17
Views: 1598

Re: universal life insurance salesperson

Do you know what the policy's cost basis is? If not, call the insurance company to find out as that will determine whether a portion of the cash value is taxable or not. Given the high cash value and your husband's relatively young age, I will go out on a limb and guess that he has not paid anywher...
by aida2003
Wed Jul 25, 2012 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: universal life insurance salesperson
Replies: 10
Views: 1367

Re: Optimal Retirement Calculator improved by user feedback

SGM, I think you got it wrong. Gatorking was asking Chester of his association with [website mention removed by admin LadyGeek], IMO.
by aida2003
Wed Jul 25, 2012 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Optimal Retirement Calculator improved by user feedback
Replies: 13
Views: 2065
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