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by bagelhead
Sun May 03, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Closing Account: Schwab Intelligent Portfolio (or Betterment)
Replies: 1
Views: 489

Closing Account: Schwab Intelligent Portfolio (or Betterment)

Hi, What happens when one closes their SIP/Betterment account? Do all of the multiple different ETF's get transferred to one's new institution of choice? Does Schwab/Betterment provide the basis information for all the different lots? Is this a nightmare? Could one fee-saving strategy be to use SIP/...
by bagelhead
Tue Apr 21, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2918

Broken Oxygen Sensor on Car

Hi, The dealer said we have a broken oxygen sensor on our newer car and would need to be replaced for $500 including labor (not covered by warranty due to physical damage). Based on googling, it seems that oxygen sensors are cheap and replacement/repair is common. Is it worth it to get a second quot...
by bagelhead
Mon Apr 20, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: Betterment/Schwab (SIP): Which ETFs to avoid for wash sale?
Replies: 1
Views: 269

Betterment/Schwab (SIP): Which ETFs to avoid for wash sale?

For both Betterment and Schwab Intelligent Portfolios, which specific common ETFs need to be avoided in other retirement/brokerage accounts to avoid wash sale conflicts? (and what are good replacement ETFs for these 2 specific companies) For instance, for Betterment, I understand one should sell the...
by bagelhead
Tue Apr 07, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying TurboTax after tax season is over
Replies: 2
Views: 321

Buying TurboTax after tax season is over

Hi, I have already submitted my taxes via an accountant but want to simulate various tax scenarios (increasing/decreasing income, adding/removing deductions, etc.) to plan for 2015 and beyond. Is it possible to buy TurboTax after the tax season is over, input the big details of one's current taxes, ...
by bagelhead
Sat Mar 21, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2695

Buying a house that had a Dog

Hi,

Do the Bogleheads have any thoughts on buying a house that had a dog living in it?

Thanks.
by bagelhead
Sun Mar 15, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Semi-new House Near New Street with New Constructions
Replies: 3
Views: 381

Buying Semi-new House Near New Street with New Constructions

Hi,

Are there any thoughts (in terms of purchase price and eventual resale value) on buying a fairly new house (5-10 years old) that is located next to a brand new street full of partially completed new houses?

Thanks!
by bagelhead
Sun Mar 15, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Golf course lot value
Replies: 5
Views: 738

Golf course lot value

Hi, Aside from practical issues (such as privacy, aesthetics, etc.), what is the Bogleheads opinion on the economic value of having a backyard open onto a golf course? Let's assume the golf course lot is a good one (not on the 150 yard slice area, somewhat away from greens/tee boxes). If there are t...
by bagelhead
Sat Mar 14, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Rental offer on house for sale
Replies: 8
Views: 1061

Rental offer on house for sale

Hi,

If a house is on sale to buy for $400,000, what would be the range of monthly rents that would be a fair deal?

What if the house has been on the market for 2 years without any significant price cuts and possibly worth $360,000-$370,000?

Thank you.
by bagelhead
Wed Nov 26, 2014 9:20 pm
Forum: Investing - Theory, News & General
Topic: Frontloading IRA/401k
Replies: 1
Views: 536

Frontloading IRA/401k

Assuming one owns a personal business, can he deposit the $53,000 annual limit for a SEP-IRA on January 1, with the expectation that his annual income will exceed required $212,000?

If for whatever reason he doesn't reach the $212,000 income, how easy is it to correct the overdeposit?

Thanks.
by bagelhead
Mon Oct 27, 2014 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA: Repeated rollovers forever
Replies: 1
Views: 366

SEP IRA: Repeated rollovers forever

Compared to opening a new 401k plan for a business, is there any disadvantage to rolling over the full amount of one's SEP IRA every year (after maxing out the $52,000 annually) into an old 401k? (i.e., any difference between "deposit into SEP, rollover in old 401k, repeat every year" vs. ...
by bagelhead
Fri Oct 24, 2014 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1378

Re: Marginal Tax Rate on Dual Income Couple

Thank you to all for the thoughtful comments.
by bagelhead
Fri Oct 24, 2014 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1378

Re: Marginal Tax Rate on Dual Income Couple

Otherwise, you are engaging in the same erroneous thinking that causes people to say things like "well, there's no point in her working when all of her income just goes to pay for childcare". When I said "Seems like a bad deal when one's entire income is taxed at 50%", I was ref...
by bagelhead
Thu Oct 23, 2014 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1378

Marginal Tax Rate on Dual Income Couple

I remember seeing a useful web site a while ago that had a graph showing the dynamic marginal tax rate as one's income increased (which was very complex and non-intuitive, showing higher marginal tax rates for the mid-income levels than higher income for various reasons -- losing tax credits, AMT, e...
by bagelhead
Tue Oct 14, 2014 11:32 pm
Forum: Investing - Theory, News & General
Topic: Long term gains tax rebalancing vs. Tax efficient placement
Replies: 3
Views: 521

Re: Long term gains tax rebalancing vs. Tax efficient placem

I was wondering if there was a mathematically optimal percentage for tax-advantaged vs. taxable. Would 20% in tax-advantaged be enough? All I could find in that wiki was: Step 5: Place tax efficient funds last Tax-efficient funds are fine in any account. Regular rebalancing of your stock/bond ratio ...
by bagelhead
Tue Oct 14, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: Long term gains tax rebalancing vs. Tax efficient placement
Replies: 3
Views: 521

Long term gains tax rebalancing vs. Tax efficient placement

Hi, Conventional wisdom recommends placing tax efficient funds in taxable accounts. Such as VTI in a brokerage account. If VTI goes down, one simply buys more VTI in the taxable account. However, if VTI goes up (and there are no easier ways to rebalance, such as buying the other declining funds), on...
by bagelhead
Sun Sep 21, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tax reduction strategy
Replies: 3
Views: 717

Pre-Retirement Tax reduction strategy

Assumptions: A couple earns $160k during a pre-full retirement phase and needs roughly $120k for living expenses (matching post-tax income). They already has a moderate sized mix of taxable and tax deferred savings. They have 6 exemptions and $15k of itemized deductions. Would it save taxes to: Max...
by bagelhead
Sat Sep 20, 2014 5:29 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: Any difference for high income vs. low income?
Replies: 4
Views: 642

Re: 4% SWR: Any difference for high income vs. low income?

Solid points. That is, higher income people (implying higher expenses) can have more confidence in a 4% SWR, because they have more ability to adjust their discretionary expenses lower.

What about with respect to taxes? That is, lower income people have much lower marginal tax rates...
by bagelhead
Sat Sep 20, 2014 4:30 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: Any difference for high income vs. low income?
Replies: 4
Views: 642

4% SWR: Any difference for high income vs. low income?

Assuming all else equal (same distribution of tax deferred and taxable accounts), should there be any theoretical difference in using the 4% safe withdrawal rate for people who will be withdrawing a higher amount ($150k) vs. a lower amount ($30k)? I.e., should higher income people use a lower or hig...
by bagelhead
Sun Aug 17, 2014 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling Standard 401k/403b into Solo-401k
Replies: 0
Views: 137

Rolling Standard 401k/403b into Solo-401k

Hi, For simplicity's sake, I would like to rollover a handful of my prior employer 401k/403b accounts into my current Fidelity Solo-401k account. The mutual funds in the employer accounts are excellent, but Fidelity's ETF options are excellent as well. As I'd like to preserve the backdoor Roth optio...
by bagelhead
Sat Feb 15, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 171

Re: HSA dates of reimbursement question

Thank you, jebmke.
by bagelhead
Sat Feb 15, 2014 2:41 pm
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 171

HSA dates of reimbursement question

Is the date for HSA reimbursement and the year from which the HSA funds are deducted based on the Visit date, Invoice date, or the Payment date? For instance, if the doctor's office visit was in December 2013, and the Invoice date was Dec 2013 vs. Jan 2013? (Or the Payment date was Dec 2013 vs. 2014...
by bagelhead
Tue Feb 11, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 10185

Re: Synthetic engine oil worth better/cheaper in the long ru

Reviving this thread with a question...

Some brands say to change the oil within X number of miles or 1 year, whichever comes first. Is there a reason for the 1 year time limit? (re: a lightly driven car that needs changing every 10,000 miles.) Do synthetic oils "break down" over time?
by bagelhead
Sun Dec 29, 2013 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare 20% cost sharing
Replies: 4
Views: 600

Medicare 20% cost sharing

Hi, I am unfamiliar with Medicare payments. In addition to the monthly premiums, if one is hospitalized for a few expensive days, do they have to pay a $1200 deductible plus 20% of physician fees? Is there any cap to these amount per visit or per year? What if the person is also on Medicaid, say in ...
by bagelhead
Sun Dec 29, 2013 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Savings by buying house with cash
Replies: 4
Views: 738

Savings by buying house with cash

Approximately how much would one save (in misc. fees/costs) by buying a house outright with cash? Let's say, for a $300,000 or $600,000 house.

This information would help someone decide whether the extra years it takes to save the cash (with low taxable interest) is worth it. Thanks!
by bagelhead
Thu Nov 28, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Video/Netflix: Kids Educational Videos
Replies: 4
Views: 448

Amazon Video/Netflix: Kids Educational Videos

Hi all,

Do you have any suggestions on good young children educational videos on either Amazon Video or Netflix?

Thank you.
by bagelhead
Thu Nov 28, 2013 4:34 pm
Forum: Personal Consumer Issues
Topic: Weekend Trips with Young Children in Texas
Replies: 4
Views: 498

Weekend Trips with Young Children in Texas

Hi all,

Do the Bogleheads have any recommendations on things to do in Texas with young children? Could be a weekend or full week getaway (half a day drive) or even a day trip. Could even be in a nearby state (such as Shreveport).

Any and all ideas are appreciated!
by bagelhead
Tue Oct 22, 2013 9:00 am
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 2454

Best Sofa with Young Children

Hi, I've gotten different advice regarding what type of sofa to get for a family with young children, who will spill liquid/foods, jump on and throw around the cushions, etc. Some people have said not to get a light color. Other people have recommended leather. Sectional corner sofa's vs. multiple s...
by bagelhead
Thu Oct 10, 2013 8:21 pm
Forum: Personal Consumer Issues
Topic: Best washing machine settings
Replies: 16
Views: 1703

Best washing machine settings

What is the most efficient (cleanest with the least use of energy/water) way to clean clothes using a front-loading washing machine? Underwear, Heavily soiled clothes - Is it necessary to use the "Extra Hot" setting to kill all germs? (Is bleach a better way to kill germs with whites, rath...
by bagelhead
Tue Jun 11, 2013 8:01 pm
Forum: Personal Consumer Issues
Topic: Covered parking
Replies: 8
Views: 1020

Covered parking

Is covered parking (in a hotter climate without snow) worth an extra $50/mo per car?
by bagelhead
Tue Jun 04, 2013 9:43 pm
Forum: Personal Consumer Issues
Topic: Backyard Renovation
Replies: 7
Views: 806

Backyard Renovation

Hi, There are several threads on building or renovating a house but not too much on backyard ideas. What are some great backyard items for a family with children who hosts guests (ideally with an eye towards value)? Such as... - Heated pool (with fence) - Home jungle gym - Covered patio with fan - O...
by bagelhead
Tue Jun 04, 2013 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 53
Views: 6200

Selling older car vs. keeping it for low level use

Hi, What are your thoughts on selling an older but fully functional car vs. keeping it for occasional use? Older car - 7 years old - worth around $7000 - need a new car for more utility Occasional use - few weeks a year for guests use - few days a month for nice-but-not-necessary use - 3000 miles of...
by bagelhead
Sun Apr 21, 2013 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 652

Re: Funding a 401k while Retired

What FICA taxes does a retired 70+ year old person under independent contractor status pay? Is it the full 15.3%? If so, there isn't much of a benefit for deductibility since they are likely already in a low tax bracket, right?

Thanks!
by bagelhead
Sun Apr 21, 2013 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 652

Funding a 401k while Retired

Hi, If one is "retired" but works part-time as an independent contractor, and has a taxable brokerage account, can he: - deposit the part-time income into a self-employed 401k - withdraw an equivalent amount of money from a taxable account The goal would be to reduce AGI to avoid taxation ...
by bagelhead
Wed Apr 17, 2013 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Collecting Social Security at 67, Taxes on part-time work
Replies: 3
Views: 628

Collecting Social Security at 67, Taxes on part-time work

Hi,

If one is collecting Social Security at full retirement age, and that person works part-time as an independent contractor, does he have to pay Social Security tax? If so, will this payment increase his benefits?

Thanks.
by bagelhead
Sat Apr 06, 2013 8:27 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2819

Re: House facing direction and Solar heat

Great discussion. The original question was really an academic exercise but one that, if you know the answer to, you might apply to real life analysis. In a latitude like Florida or Texas, I'm surprised people say South would be hotter than West... Although the sun is constant, the indirect angle mi...
by bagelhead
Wed Apr 03, 2013 11:16 am
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2819

Re: House facing direction and Solar heat

All else equal, assuming only 1 side of the house with windows for arguments sake, which is cooler for each of these 3 comparisons: 1. "N vs NE" - so far, consensus is N is cooler than NE 2. "SE vs S vs NW" - so far, consensus is NW is cooler than SE is cooler than S 3. "SW ...
by bagelhead
Tue Apr 02, 2013 11:08 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2819

Re: House facing direction and Solar heat

For which side, let's assume the house is a cube with only 1 side of windows, the rest walls. Which way should the window-side face to reduce the most heat (all other variables equal, assume Florida as the location)?
by bagelhead
Tue Apr 02, 2013 10:16 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2819

House facing direction and Solar heat

Could the group come to a consensus on what they believe is the best direction (in order, 1 to 8) that a house should face if the goal is to reduce the amount solar heat (during the afternoon and evenings since most people work during the day)? Coolest 1. N 2. NE 3. E 4. SE 5. S 6. NW 7. SW 8. W Hot...
by bagelhead
Tue Feb 05, 2013 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 804

Re: Solo-401k: Over-deposited, how to reverse?

Actually, I only deposited a small amount (much < $17,500) and need to reverse it. I am assuming that the Corrective Distribution does not apply in this scenario? Are there any other solutions? Here is a link to the "reversion" tax... which I am unable to interpret. http://www.law.cornell....
by bagelhead
Tue Feb 05, 2013 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 804

Solo-401k: Over-deposited, how to reverse?

If one deposited too much money into a Solo-401k for 2012, does anyone know how to reverse this? The Fidelity representative said the two options would be to 1) carry the funds over to 2013 and pay a 10% penalty; or 2) talk to your accountant about "reversion", which may or may not have a ...
by bagelhead
Thu Jan 31, 2013 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 1
Views: 273

.

no response.
by bagelhead
Sun Jan 13, 2013 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law Suite/Apartment
Replies: 20
Views: 10809

Mother-In-Law Suite/Apartment

How much would it cost to renovate an existing home to carve out an attached but separate (sound-insulated wall, private entrance) mother-in-law type of suite (1-BR, office, living room, 700 sq-ft)? How much would it cost to convert a 3-car garage into a similar mother-in-law type of suite, assuming...
by bagelhead
Fri Jan 11, 2013 6:40 pm
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 7467

Re: Get a Scanner!

How do you guys organize the files once they are scanned?

By date, topic, etc.?

PDF's in Folders?
by bagelhead
Wed Dec 26, 2012 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buy/Rent: Need advice on non-obvious calculation
Replies: 6
Views: 755

Re: Buy/Rent: Need advice on non-obvious calculation

The obvious answer is to buy the house and rent it out for $1900 a month and then rent an apartment to live in until you decide where you really want to live. If the numbers are as you describe, the return on a $12,500 investment is very high, counting the rent cash flow, tax deduction, and depreci...
by bagelhead
Tue Dec 25, 2012 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buy/Rent: Need advice on non-obvious calculation
Replies: 6
Views: 755

Buy/Rent: Need advice on non-obvious calculation

Please let me share the situation. I had originally thought Renting initially would be a no-brainer but, after looking into the details a little more, I'm not so sure. THE BACKGROUND The person is moving to a new area. There is a small chance the person will leave within a few years but otherwise an...
by bagelhead
Sat Dec 22, 2012 10:41 pm
Forum: Personal Consumer Issues
Topic: IPAD: Shared or Separate Usernames re: Apps
Replies: 8
Views: 1003

Re: IPAD: Shared or Separate Usernames re: Apps

Hi Mel,

Does this app allow Applications do be shared?
by bagelhead
Sat Dec 22, 2012 9:33 pm
Forum: Personal Consumer Issues
Topic: IPAD: Shared or Separate Usernames re: Apps
Replies: 8
Views: 1003

IPAD: Shared or Separate Usernames re: Apps

We have purchased an Ipad for our parents, who often watch our kids. We would like them to have access to all of our purchased applications, many of which are children's applications. Is there any way to do this without setting up their Ipad using our Apple ID? Is there any disadvantage to doing thi...
by bagelhead
Thu Dec 20, 2012 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Business credit card
Replies: 8
Views: 597

Business credit card

Do you recommend obtaining a separate Business Credit Card for a moderate amount of business-related expenses? Or should one just use his Personal Credit Card and keep meticulous records?

How do you handle dual-use expenses such as Gas, Cell phone, Internet, etc.?

Thanks!
by bagelhead
Wed Dec 19, 2012 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping track of Sales Taxes (for deduction)
Replies: 10
Views: 1660

Keeping track of Sales Taxes (for deduction)

Hi, 2013 will be the first year that I will need to keep receipts and detailed records for the itemized sales tax deduction. For those who have successfully done this, can you share your detailed strategy tips and technology tools to do this? - Quicken vs. Excel (add a column for sales tax) - Manual...
by bagelhead
Fri Nov 09, 2012 3:31 pm
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1199

Re: Heated pool costs

Thank you all for your thoughtful comments. If one is renting a house, how much would it cost to install a gas/propane heater? If one moves to a different house say in 1-year, how much would it cost to "uninstall" and "re-install" the gas/propane heater at the new house? Are ther...

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