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Re: I survived my initial performance improvement mtg. Now w

Your company may well have a policy prohibiting internal transfers when you have a bottom-tier performance review. Mine used to. Do NOT tell HR -- start looking externally. If your boss is trying to manage you out, he may also overlook judicious use of vacation time to job hunt.
by archbish99
Fri Feb 27, 2015 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4235

Re: Help with some Vanguard fund moves

To exchange from REIT to TSM in taxable, there's no immediate cost between two funds. If you have a gain on the REIT fund (you can view your cost basis and unrealized gains online), that capital gain is taxable on your 2015 tax return. If you have a loss, that loss will be claimed on the same tax re...
by archbish99
Wed Feb 25, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with some Vanguard fund moves
Replies: 4
Views: 330

Re: Vanguard sued for charging too little

Just from the article, the alleged underpayment is $1 billion, and the reserve fund is $1.5 billion. Now, depending on the size of any penalties assessed, it might grow, but on the penalties I suspect Vanguard has a better argument that they've made their manner of operation public and have never re...
by archbish99
Mon Feb 23, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 276
Views: 44742

Re: Tax bill killing me on 401K to Roth in 2014

brodyhill wrote:
archbish99 wrote:Fairmark seems to suggest so -- they're usually a reliable resource.


I assume this response to mean you agree with the Vanguard specialist.


Fairmark seems to suggest that:
brodyhill wrote:Is this guy at Vanguard flat out wrong?


I think you're correct, that he's flat-out wrong.
by archbish99
Mon Feb 23, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax bill killing me on 401K to Roth in 2014
Replies: 27
Views: 3363

Re: Tax bill killing me on 401K to Roth in 2014

Fairmark seems to suggest so -- they're usually a reliable resource.
by archbish99
Mon Feb 23, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax bill killing me on 401K to Roth in 2014
Replies: 27
Views: 3363

Re: Where should an HSA fit into investment priority?

Personally, I would still contribute the max, but it would certainly make the current-expense vs. save question easier. Like a bad 401k plan, you'll probably get to move the money eventually, but the unused contribution opportunity never comes back.
by archbish99
Sat Feb 21, 2015 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2318

Re: Where should an HSA fit into investment priority?

A related quandary is how aggressively to invest the HSA. The logic of the tax benefits suggest you invest it extremely aggressively. But you also know that there's some possibility of an expensive health emergency that will require withdrawing from it, and that suggests tempering the risk because ...
by archbish99
Fri Feb 20, 2015 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2318

Re: Where should an HSA fit into investment priority?

There are three things to consider when ordering accounts: Current tax benefits, immediate returns, and future tax costs. For a 401k, the current tax benefit is your marginal tax rate and the future tax cost is whatever your future marginal rate may be. If you have a match, you also have an immediat...
by archbish99
Thu Feb 19, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2318

Re: Credit Score and Changing Cards

The card has an annual fee (one reason for replacing it), but it could be changed to one that doesn't with a call to customer service, I'm sure. It's interesting that any hit wouldn't actually occur for ten years -- who knows what I might be doing then?
by archbish99
Thu Feb 19, 2015 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score and Changing Cards
Replies: 7
Views: 581

Credit Score and Changing Cards

I'm considering reshuffling my set of credit cards, and one of the ones probably on the chopping block is my oldest, opened in 2004. After that, my oldest open cards are opened in 2009 (maybe keeping) and 2011 (definitely keeping). My credit score is quite good, usually just under 800, and while I d...
by archbish99
Wed Feb 18, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score and Changing Cards
Replies: 7
Views: 581

Re: A Gift - tax consequences

Short version: Gifts over your $14k/year limit eat away at your lifetime exemption. The remainder of that exemption is applied to estate taxes when you die. If your estate isn't likely to be that big, no tax impact. If it is, the tax impact is still deferred until death. You'd need to file a gift ta...
by archbish99
Fri Jan 30, 2015 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 16
Views: 994

Re: Disputing A Fraudulent Credit Card Charge

As someone else noted, I've done a number of disputes through Discover. The only issue I had was when I had a rep whose accent was so thick I couldn't parse it, and they flagged a valid charge as being fraudulent in addition to the ones that actually were.
by archbish99
Fri Jan 30, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 1198

Re: Selling Taxable to Fund Roth IRA

If you're in the 15% bracket, by all means, tax-gain harvest up to the top of that bracket. Use the proceeds to fund Roth IRA and/or Roth 401k contributions. If you're in a higher tax bracket, it's still worth selling as much as needed to fully fund your 401k and Roth each year. Roth is strictly bet...
by archbish99
Fri Jan 16, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling Taxable to Fund Roth IRA
Replies: 2
Views: 495

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

That's just negative points. If you pay more points, you'll get a lower interest rate. If you take a higher interest rate, you'll get a credit back. This won't be the front running interest rate that banks offer, but it's something you can ask for, and it will be on their spreadsheet of options. I p...
by archbish99
Fri Jan 16, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 1980

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

I think PMI is tied to how much below 20% you are, but I doubt a bank will disclose the bend points. Most mortgages include a minimum length of time before PMI can be removed, whatever your balance, so i wouldn't go 19.9%.
by archbish99
Wed Jan 14, 2015 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 1980

Re: How are company vehicles taxed?

Most of the arrangements I've seen, you either pay the company for your personal mileage (and there's no tax impact), or the company lets you use the car for personal use, and what you would have paid (and they didn't demand) is imputed income on your W-2. You'd need to compare the total cost per mi...
by archbish99
Sun Jan 11, 2015 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How are company vehicles taxed?
Replies: 6
Views: 744

Re: Health Savings Account (HSA) Question

In my case, my wife is the primary on our HDHP family plan, but I opened the HSA in my name and contributed the family max ($6550) in one lump sum. Does anyone see a problem with this? Only if her employer attempts to make contributions on her behalf, but you don't mention employer involvement in t...
by archbish99
Fri Jan 09, 2015 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA) Question
Replies: 8
Views: 1017

Re: Health Savings Account (HSA) Question

(2) No, an HSA is an individual account. An HSA is based on having a qualified HDHP plan. Only the primary insured of a family plan is eligible for an HSA account. The only way for a married couple to each contribute to an HSA is if they each are covered by separate HDHP plan. I don't believe that'...
by archbish99
Fri Jan 09, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA) Question
Replies: 8
Views: 1017

Re: How do I find the best mortgage refinance rate?

I'll second the muddy-waters comment. There are a number of financial tricks to make you think you're getting a good deal that really don't matter at all, and you should be aware of them: Time to break even. This is an important metric. The problem is, almost no one calculates it properly. Most mort...
by archbish99
Fri Jan 09, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 8
Views: 1591

Re: Refinancing for dummies

Closing costs vary regionally, but look pretty normal to me. For comparison, PenFed is currently offering high-balance at 3.75% 30 year fixed for 1% origination fee, so 3.625% without a lender fee looks reasonable. Another question whenever you refinance is how long you expect to be in the house. If...
by archbish99
Thu Jan 08, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing for dummies
Replies: 2
Views: 651

Re: Social Security election change? Q for my 71 yr Mom

My MIL used to work in a department store. She had at least one older coworker who was finally able to retire because her high-earner ex-husband had died, enabling her to collect his SS benefit and replace her retail income. It happens.
by archbish99
Thu Jan 08, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security election change? Q for my 71 yr Mom
Replies: 21
Views: 2290

Re: How Many Credit Cards do you have?

Exactly -- I make my purchasing decisions, then pay with whichever mechanism the seller accepts which has the highest effective cash back. (Including fees for accepting credit cards, but those are usually high enough that cash or a check is net cheaper.) The only occasion I can recall where we've sp...
by archbish99
Thu Jan 08, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 46012

Re: How Many Credit Cards do you have?

Actual: ⋅ Discover Escape: 2% on everything, $60 annual fee ⋅ Delta Platinum AmEx: $195 annual fee, one free companion ticket per year ⋅ Upromise MasterCard: 4-5% extra on purchases through Upromise portal and participating restaurants, 1% on everything else (fallback i...
by archbish99
Tue Jan 06, 2015 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 46012

Re: Poll: Do you own I Bonds?

I'm in the same boat of site-affected. Tried to purchase as part of my parents' investments, but they make it so hard, especially with a POA, that it's just not worth it.
by archbish99
Tue Jan 06, 2015 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5538

Re: How hard is it to redeem CDs from Vanguard Brokerage

I would say don't buy brokered CDs you don't expect to hold to maturity. If you need the money before maturity, you sell the CD at whatever the current bid is. If there isn't a bid, you can request them to solicit offers, but there's no guarantee it will actually sell. Selling is certainly possible,...
by archbish99
Tue Dec 30, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How hard is it to redeem CDs from Vanguard Brokerage
Replies: 10
Views: 795

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

Stolen credentials are an issue on any site where opinions and comments are attributed to an identifiable identity, even if the identity is site-local. The content isn't really worth encrypting, but the login and resulting cookie that identify you are. Beyond that, there are certain elements of the ...
by archbish99
Sun Dec 28, 2014 10:14 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 49
Views: 5527

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

Reminds me of an article on security: Take the side off your case, fill it with concrete, and replace the side. Allow to dry. The computer is now impervious to viruses, the data can't be stolen, and the computer itself is very difficult to abscond with. Of course, it won't power on and you probably ...
by archbish99
Wed Dec 24, 2014 5:09 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 49
Views: 5527

Re: How to tackle a crack on the windshield

FWIW, my insurance provides free chip repair and separate $100 deductible for replacement. That also applies if you get a chip fixed and later decide to replace the windshield within a year. Never had to replace the windshield, but several chips and one side window. Safelite has done an excellent jo...
by archbish99
Tue Dec 23, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: How to tackle a crack on the windshield
Replies: 28
Views: 2323

Re: How much notice to give prior to Retirement ?

If you can manage to be laid off rather than retiring on your own, you'll come out ahead, with the severance to kick-start your retirement. Of course, the question is whether, if they know you're going to retire, will they avoid laying you off to save the severance, or offer you a voluntary lay-off ...
by archbish99
Tue Dec 23, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4599

Re: Stolen car recovered, need a plan

Have you been using a repair shop/mechanic you trust? I'd take it to him/her instead of a dealer and explain the situation. We did that with a car that had several problems and he even ended up selling for us to another customer (with our ok). I wouldn't expect a mechanic to sell a car, but possibl...
by archbish99
Mon Dec 22, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 27
Views: 3205

Re: Switching to no-fee AMEX

He doesn't have to close the account -- just call AmEx customer service. They can change his account to a different type of card that doesn't have an annual fee. (Blue Cash Everyday might be a good option, for example.) No impact on the credit history at all, then.
by archbish99
Fri Dec 19, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching to no-fee AMEX
Replies: 6
Views: 1043

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: 64
Views: 4839

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: 20
Views: 2390

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: 13
Views: 1585

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: 2099

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: 276
Views: 44742

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: 3069

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: 1389

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: 3069

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: 2099

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: 3957

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: 731

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: 12
Views: 1823

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: 1504

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: 4111

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: 1381

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: 6747

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: 1504

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: 1504

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: 13926
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