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Re: Helping out family members

I donate to charity and pay taxes. If they qualify for assistance from those sources, I would help them apply for it. If they don't, then they're probably not in as much need as the people supported by those programs. Now, family members or friends who are having a temporarily rough time for an unco...
by archbish99
Thu Dec 18, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 58
Views: 3536

Re: Where to find the cheapest mortgage?

I was pleased with the process through PenFed. There is some truth to the complaints that they don't often call you with updates, but if you want one, ask for it. I found my servicer to be responsive. Their closing cost credits and points appeared a little strangely on the HUD-1 and the servicer cou...
by archbish99
Thu Dec 18, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to find the cheapest mortgage?
Replies: 5
Views: 480

Re: Max my 401K early, how to maximize employer match?

Ours processes the match based on your elected contribution, whether that contribution actually happens or (due to the limit) not. So if you elect the maximum percentage, you'll hit the cap quickly, but if you leave your election set to 6% or more, you continue to get matching contributions each pay...
by archbish99
Thu Dec 18, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Max my 401K early, how to maximize employer match?
Replies: 10
Views: 762

Re: Are all computer printers now wireless?

DHCP leases, for things on your network. If it's off briefly, say for a reboot, it can come back up and acquire a new lease for the same address it had. If it's down long enough, or if the server (e.g. the router) is also rebooted, it may give the old address out to another device first. Consider st...
by archbish99
Mon Dec 15, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2026

Re: Vanguard sued for charging too little

Why the suit are being filed under NY jurisidiction -- beats me. If Vanguard Services based in PA charged higher fees, the portion of mutual fund shareholders in NY would see lower dividend payments and hence NY would see less state income taxes. Per the Forbes article, because NY has a law permitt...
by archbish99
Mon Dec 15, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 201
Views: 29530

Re: TIPS Mutual Funds

TIPS and nominals both price in the expectations of inflation. It's only the yields of nominal bonds that incorporate the expected rise in the Consumer Price Index. Since TIPS yields are in terms of constant dollars, the expected rise in the CPI is irrelevant to them. The behavior of the TIPS is in...
by archbish99
Mon Dec 15, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2860

Re: Low Income 401k/IRA Contribution Limits

--- Apparently incorrect response removed. ---

What are you living off of?
by archbish99
Mon Dec 15, 2014 4:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income 401k/IRA Contribution Limits
Replies: 12
Views: 1307

Re: TIPS Mutual Funds

TIPS and nominals both price in the expectations of inflation. If inflation is lower than expected, nominals will outperform TIPS; if higher, then TIPS will outperform nominals. For the same reasons as indexing, I want to be indifferent to which of these happens, so I hold both in roughly-equal amou...
by archbish99
Mon Dec 15, 2014 4:25 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2860

Re: Are all computer printers now wireless?

Because wireless is more in vogue these days, some manufacturers hide the USB port. On my Brother printer, I have to open the cover, plug in the USB cable, then run it out an opening in the back. Once installed, it just looks like it has an integrated USB cable.
by archbish99
Mon Dec 15, 2014 4:03 am
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2026

Re: Better Costs: ETFs or Admiral Shares?

Note that Vanguard ETFs trade for free at Vanguard, though, so without trading is true in an account there. The bid-ask spread remains, but is generally low.
by archbish99
Mon Dec 15, 2014 3:59 am
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3504

Re: Roth, 401k, or Taxable?

Roth IRA for this year, as it sounds like she'll probably be in a tax bracket lower than you'll either see in the foreseeable future. Next year, 401k up to the match if any; past that, depends on tax bracket and quality of the 401k.
by archbish99
Mon Dec 15, 2014 3:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth, 401k, or Taxable?
Replies: 8
Views: 662

Re: Ex-manager(s), and you?

If they've reached out, definitely be receptive. If they took your departure personally, I might hesitate to initiate, but always be receptive to contacts from people who were remotely decent.
by archbish99
Mon Dec 15, 2014 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Ex-manager(s), and you?
Replies: 11
Views: 1335

Re: POLL: Timing of Jan 1st payments

I'm curious about the folks who've said they pay in December for a reason other than bunching. Anyone want to elucidate?
by archbish99
Wed Dec 10, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Timing of Jan 1st payments
Replies: 9
Views: 1461

Re: Do it yourself tax solutions? Should I just try turbotax

I'm another in the DIY camp. TurboTax most previous years, TaxAct last year. TaxAct is a lot closer to just filling out the forms by hand, and I would mostly recommend it to someone who already knows their tax situation pretty well and just wants a pretty interface over the forms. If this is your fi...
by archbish99
Wed Dec 10, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do it yourself tax solutions? Should I just try turbotax?
Replies: 53
Views: 3990

Re: Telephone SCAM

My wife just tells them I work at Microsoft, too, and she'll have me look into it when I get home. They generally hang up on her at that point.
by archbish99
Wed Dec 10, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Telephone SCAM
Replies: 18
Views: 1329

Re: Who Paid for the wedding?

My family paid for the rehearsal dinner, as is traditional. Wife's father originally gave us $500, but later changed his mind and declared that to be his wedding present instead. Wife's aunt is crafty and handmade centerpieces and other decorations for the rehearsal dinner and the reception. I had a...
by archbish99
Tue Dec 09, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6488

Re: POLL: Timing of Jan 1st payments

Bunching doesn't do much for us, because most of our tax deductions are inflexible (and there aren't so many marginal rates these days). It may become more meaningful when we retire. I do sometime push or pull donations to one year or another based on what I think our combined marginal rate will be...
by archbish99
Tue Dec 09, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Timing of Jan 1st payments
Replies: 9
Views: 1461

POLL: Timing of Jan 1st payments

Curious about how people handle payments or such that are due at the beginning of the year.... Obviously, if it's a bill with no flexibility, since Jan. 1 isn't a business day, it has to be paid Dec. 31, and that's what our bank's Online Bill Pay does by default for things scheduled on non-business-...
by archbish99
Sun Dec 07, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Timing of Jan 1st payments
Replies: 9
Views: 1461

Re: Is it safe to leave Laptop in hotel room

Much easier to steal something small, like a phone. I've had a smartphone stolen, but not a laptop. However, if you want to be safe, spend a few dollars on a lock that hooks into the security attachment notch pretty much all laptops have. Lock it to the desk and only unhook it if you're using it.
by archbish99
Sat Dec 06, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7101

Re: HELOC as emergency fund

An emergency fund is self-insurance, and the difference between what it earns and what it could otherwise earn is the insurance premium. So what risk are you insuring against? For many of us, that risk is a job loss. A HELOC isn't a good choice to insure against that, because the very thing it's int...
by archbish99
Thu Dec 04, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC as emergency fund
Replies: 19
Views: 1646

Re: Convert to a Roth?

There might be value in converting her smaller account to open up the back-door Roth in future years, and definitely look into whether you can do Roth conversions of after-tax contributions in either 401k. Otherwise, at that tax rate, I don't see the value in doing the Roth conversion now. Debt payo...
by archbish99
Thu Dec 04, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert to a Roth?
Replies: 14
Views: 1548

Re: Fly or drive? Not just time vs. money anymore

I am nothing short of terrified of ruining everyone's day with a crying baby on a plane, hence my desire for a direct flight with seats in the back. Thanks for your thoughts. I have a friend who mitigated this when they flew (international!) with their newborn by making up little packets with earpl...
by archbish99
Thu Dec 04, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4538

Re: No 401(k) options

After-tax contributions to a 401k are really only worthwhile if you can do an in-plan conversion to Roth or roll it out to a Roth IRA promptly. (Either because your plan allows in-service distributions of after-tax contributions, or because she's leaving her job shortly.) If you aren't able to do th...
by archbish99
Mon Dec 01, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: No 401(k) options
Replies: 5
Views: 586

Re: SSL (aka TLS, https) comes to bogleheads.org

Indeed. SSLv3 should be considered broken at this point, and TLS 1.0 is not substantially better, since you can't know that the other side is patched for BEAST without using RC4, and that's broken . TLS 1.2 is state of the art, and should be used anywhere you're going to the effort of setting up TLS.
by archbish99
Sat Nov 29, 2014 7:28 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 32
Views: 2788

Re: Over my head setting up Backdoor Roth

I'll also note that calling Vanguard isn't actually all that painful. You usually get transferred once, but it seems that they have a number of things that the web site blocks because it's just easier to have a human check that it's valid than investing in the programming to let the website check th...
by archbish99
Wed Nov 26, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Over my head setting up Backdoor Roth
Replies: 7
Views: 1251

Re: HMO out of network question

Ditto what Hartwood said. I checked ACA and non ACA plans that had out of network coverage, and they only cover the "allowed" amount. Meaning, you go for $2000 minor surgery to an out of network doc, the allowed amount for the surgery is $700, so that's what the 20% out of network copay p...
by archbish99
Wed Nov 26, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HMO out of network question
Replies: 17
Views: 1131

Re: 60/40 edging my 95/5!

Despite the fact that Schwab holds dividends in SWPPX until December I don't think this actually makes any difference -- the payment of the dividend reduces the NAV, so you'll make the same amount regardless of whether they're cashed out quarterly or annually. They're already priced into increase s...
by archbish99
Wed Nov 26, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: 60/40 edging my 95/5!
Replies: 8
Views: 2093

Re: Question regarding an HSA

In other words, you're financing it, either because you don't have the money or because you think you can get a better return in the meantime than whatever finance charges Care Credit entails. Care Credit itself (so any finance charges) isn't a medical expense, so no. But you can be reimbursed for t...
by archbish99
Tue Nov 25, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question regarding an HSA
Replies: 2
Views: 363

Re: After Tax Contributions to 401k???

That's not bad advice -- but better if he can promptly convert it to Roth. Otherwise, tax-efficient taxable investing could be even better advice. Your own accounts may be able to split the basis, and put your initial contributions into a Roth IRA, and the untaxed earnings into a Traditional.
by archbish99
Sat Nov 22, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1426

Re: After Tax Contributions to 401k???

Mine does. They've had after-tax contributions for a while, but added the ability to do in-plan Roth conversions last year. This year, they've started pushing it as the 401k having a maximum contribution of $37,500. The split between pre-tax/Roth limits and after-tax-with-conversion is spelled out i...
by archbish99
Fri Nov 21, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1426

Re: GEHA - Standard vs. HDHP Options with Baby on the Way

Alhtough this would be pretty confusing figuring out the exact date of the insurance and which company is responsible for what. I'm assuming these details are already figured out by the FEHB. My understanding, though I don't have a convenient link, is that the change is effective as of the date of ...
by archbish99
Fri Nov 21, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: GEHA - Standard vs. HDHP Options with Baby on the Way
Replies: 36
Views: 2707

Re: HSA with post-deductible health FSA question

Next year my wife will give birth in February so we know it will be a year of high medical expenses (we are estimating $14k before any insurance for modelling purposes). Our best option is an HSA offered by my wife's employer but it looks like we can couple this with a post-deductible health FSA th...
by archbish99
Thu Nov 20, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA with post-deductible health FSA question
Replies: 3
Views: 424

Re: GEHA - Standard vs. HDHP Options with Baby on the Way

Not only that, the first pass through isn't made until mid February. And the hsa might not even be open until February according to plan documentation. If the hsa isn't open when the expenses happen, it cannot be used to pay for them. This is correct, but you can open the HSA with your own money on...
by archbish99
Thu Nov 20, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: GEHA - Standard vs. HDHP Options with Baby on the Way
Replies: 36
Views: 2707

Re: GEHA - Standard vs. HDHP Options with Baby on the Way

I can't speak to these specific plans, but our plan covers all routine pre-natal and well-child visits as preventative at 100%. My wife is also expecting, and the only things we've had to pay for are the ultrasounds and one non-routine visit when something was wrong. Ours doesn't cover the birth or ...
by archbish99
Mon Nov 17, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: GEHA - Standard vs. HDHP Options with Baby on the Way
Replies: 36
Views: 2707

Re: Cheapest "dumbphone" and plan for texting only?

https://republicwireless.com/info/plans/ Republic Wireless has a $10/month plan with unlimited texting, or $5/month if you're in range of Wi-Fi all the time, but requires a smartphone. Or see Ting, with more flexibility on phones and pay-by-usage rates -- $6/month for service, another $5/month for 1...
by archbish99
Fri Nov 14, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest "dumbphone" and plan for texting only?
Replies: 7
Views: 787

Re: Limits on Brokered CD Death Put

What is a "survivor option"? See http://www.bogleheads.org/forum/viewtopic.php?f=1&t=114245 and several other threads referenced therein. Basically, heirs can redeem at par after the owner's death. If the owner doesn't need the principal, it can be smart to buy long-term, high-coupon ...
by archbish99
Tue Nov 11, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Limits on Brokered CD Death Put

That last is interesting to know, though I've never seen a CD that doesn't list the survivor option at Vanguard.
by archbish99
Tue Nov 11, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Limits on Brokered CD Death Put

Thanks, both of you! MooreBonds, I've found the general terms for Goldman Sachs CDs, but not been able to find the "supplement" / prospectus for my specific CDs or the one I'm looking at. Are those conveniently findable?
by archbish99
Tue Nov 11, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Limits on Brokered CD Death Put

This will be my third year rolling a CD ladder in an account I manage into longer-term brokered CDs with a Survivor Option (a.k.a. "Death Put"). If you're not familiar with this strategy, see previous threads. The thing that concerns me is that the best deals always seem to be Goldman Sach...
by archbish99
Tue Nov 11, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Vanguard sued for charging too little

Not that I'm not on Vanguard's side, but it sounds like they're making contradictory arguments here: "You're not allowed to sue us, because your suit is based on proprietary information you were required to keep confidential. But all this has been widely publicized, so the IRS or SEC could have...
by archbish99
Mon Nov 10, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 201
Views: 29530

Re: Adoption [Experience from those who have adopted]

Yeah, situations like that ^ are why we ruled out private adoption every time the discussion came up. We'd much rather have an agency who can take responsibility for vetting the birth parents, finding/notifying birth-dad, deciding and providing appropriate expense assistance to birth-parents, etc. I...
by archbish99
Mon Nov 10, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 4692

Re: When do you buy a new home computer?

Oh yeah... do NOT upgrade os versions - I see people sludge a reasonable machine by having to have the latest os for no reason :-) this is terrible advice. os upgrades help ensure you are patched against exploits. No, updates ensure you're patched. They're talking about going from XP to Win10, not ...
by archbish99
Sat Nov 08, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4564

Re: When do you buy a new home computer?

For desktops, I'm a lego-person. My "current" desktop has the same case I've been using for ~7 years, a hard drive from ~3 years ago, an SSD I added last year, and new motherboard/CPU/RAM Wednesday night. (Okay, the MB/CPU/RAM combo probably adds up to a "new" computer.) The MB/C...
by archbish99
Fri Nov 07, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4564

Re: Collision claim on new auto policy - problems

They're going to want some kind of evidence as to the date. Were there witnesses? Did you file a police report? The pictures you took likely have a timestamp, but that's relatively easy to alter. Provide them with data.
by archbish99
Fri Nov 07, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Collision claim on new auto policy - problems
Replies: 24
Views: 2172

Re: How to calculate earnings on excess HSA contribution?

Assuming no other transactions in the meantime, yes. However, in most cases, you'll tell the custodian how much was excess, and they'll determine the earnings.
by archbish99
Mon Nov 03, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate earnings on excess HSA contribution?
Replies: 2
Views: 263

Re: PPO vs HSA (hsa seems too good to be true)

Mine calls it a "Health Savings Plan (HSP)," with fine print saying that it's a HDHP plus an HSA.
by archbish99
Fri Oct 31, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2816

Re: PPO vs HSA (hsa seems too good to be true)

Your HSA "hi-deductible" is only $1500? that is so low...is that for only you (single) or your entire family. also factor in how much you will contribute to the HSA account per year. im not sure if it changes based on age but i make decent money and am 25. its for just me im not married. ...
by archbish99
Thu Oct 30, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2816

Re: PPO vs HSA (hsa seems too good to be true)

What's the Boglehead consensus on PPO vs CDHP? From previous threads, about what you'd expect. HDHPs generally shift more burden to the individual in the worst case (though not always -- prescriptions are subject to the OOP max, where they generally aren't in traditional PPOs), but reward you with ...
by archbish99
Tue Oct 28, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2816

Re: Lender Paid Mortgage Insurance?

$75/month for PMI @ 36 months = $2,700 $2,700 divided by $12/month for LPMI = 225 months, or 18.75 years to break even Even if I'm going to be in the house for 18.75 years or more, I think it is worth it to pay extra in the long run ($12/month after 18.75 years) in order to save more money now. One...
by archbish99
Tue Oct 28, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lender Paid Mortgage Insurance?
Replies: 5
Views: 540

Re: Are we really in the 0% bracket?

To nitpick a bit: I don't think there is a 0% bracket. There is a 10% bracket, and my understanding is that standard deductions eliminate the tax that would be paid for people in that bracket, but that's not the same thing as a 0% bracket. I think you may be confusing your marginal rate (your brack...
by archbish99
Tue Oct 28, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 3919
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