Search found 220 matches

by bogleviewer
Wed Aug 26, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Company 401K / Retirement Accounts -- Options?
Replies: 0
Views: 101

Company 401K / Retirement Accounts -- Options?

I am a partner in a small business with ~15 employees. The majority of employees are hourly paid employees (paid well for hourly, but still hourly). We do not currently have any retirement options for the partners nor the employees simply due to other priorities and potential complexities with setti...
by bogleviewer
Mon Aug 24, 2015 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - Timing and Alternatives [Tax Loss Harvesting]
Replies: 5
Views: 416

Re: TLH - Timing and Alternatives [Tax Loss Harvesting]

I edited the original post to clarify: To be clear and to make this simplier: Day 0 (Thursday 8/20/2015): 50% in VTI Day 1 (Friday, 8/21/2015): 25% in VTI Day 3 (Monday, 8/24/2015): 25% in VTI The total 100% of VTI that I purchased in the last few trading days is down tens of thousands of dollars. C...
by bogleviewer
Mon Aug 24, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - Timing and Alternatives [Tax Loss Harvesting]
Replies: 5
Views: 416

Re: TLH - Timing and Alternatives

Are VTI and SCHB too similar? Or is this up for debate? The other concern is that I have bought VTI and VXUS on multiple days the past few days; everything I read said that you cannot buy the same stock 30 days BEFORE and 30 days AFTER the sale. My original lump sum has the largest losses, but if I ...
by bogleviewer
Mon Aug 24, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - Timing and Alternatives [Tax Loss Harvesting]
Replies: 5
Views: 416

TLH - Timing and Alternatives [Tax Loss Harvesting]

I've had some threads on this but I was 100% cash last week. I have been buying into this market with VTI and VXUS. I did a lump sum on Thursday and split between Friday and today of about equal to the Thursday lump sum. So the longest holding is 2 business days. The account total is down tens of th...
by bogleviewer
Fri Aug 14, 2015 3:08 pm
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1840

Re: Getting over the hurdle - Two statements conflict

HomerJ: I am flat right now with no positions in the market. I am young, and in late 2008 I used most of my nest egg to purchase a distressed property as my primary residence which turned out to be a great investment. I only wish I had more money back then as deals were everywhere! I am considering...
by bogleviewer
Fri Aug 14, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1840

Re: Getting over the hurdle - Two statements conflict

You are bundling all kinds of things that clearly are totally irrelevant to personal investing decisions. In fact in your list of 8 items, I believe every single one is irrelevant -- that is, there is no evidence that any of these things matter at all. There is some evidence that valuations and mom...
by bogleviewer
Fri Aug 14, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1840

Re: Getting over the hurdle - Two statements conflict

EVERYONE - Thank you for your responses. I certainly would love to avoid market drops while participating in upside gains just as any investor would. I understand that there is risk and reward, however, I believe the an issue is that the risk to reward isn't as much in my favor as it has been (valu...
by bogleviewer
Thu Aug 13, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1840

Getting over the hurdle - Two statements conflict

How does one get over the hurdle of thinking that we are ready for a correction? 1. I AGREE that no one on planet earth can consistently call the direction of a market in any given time frame. Not one week, one year or one decade. I completely and utterly agree to this. 2. However, the conflicting d...
by bogleviewer
Wed Jun 17, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1544

Re: 6 Month Away Locations

I've noticed doing my own research that many places are recommending RTP area of NC. I have never even visited that area so I don't know a single thing about it but it sounds like we may need to take a summer vacation. Still open for more suggestions. I am looking for specifics in terms of areas of ...
by bogleviewer
Tue Jun 16, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1544

Re: 6 Month Away Locations

OP HERE I do want to acknowledge that some of my preliminary look into list are more so for the experience rather than hunkering down to test living there for a long term approach. We were thinking of doing Hawaii first since our child is young and each year as our child gets older get into more and...
by bogleviewer
Tue Jun 16, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1544

6 Month Away Locations

My wife and I have a young toddler that won't be starting school for 3 or 4 more years. Since we aren't tied down, we want to live in other places for approximately 6 months of the year for the next 4 years. I can work remotely and the timezone isn't a concerning factor. I love tech, so although I a...
by bogleviewer
Tue Jun 09, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Safest Vehicle Ever
Replies: 6
Views: 1190

Safest Vehicle Ever

Lets have a discussion about what would be the safest vehicle ever produced for here in the United States excluding trucks (defined as with a bed to carry cargo) If your primary goal was safety over all else (financial, comfort, etc) what is it and why? If you want to discuss what you would use in t...
by bogleviewer
Tue Jun 09, 2015 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1473

Re: HSA Contribution Question - Family Plan

OP HERE My wife is not employed. My employer does not contribute to my HSA. My provider is Elements and my account number is XX001 My wife's provider is Elements and her account number is XX002 I had a HDHP as an individual prior to my wife ending her job (she is now a full time mother). When she q...
by bogleviewer
Tue Jun 09, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1473

HSA Contribution Question - Family Plan

I went to contribute to my HSA account as well as my wife's for 2015 year. I was going to do the family maximum of $6650 and divide it in half for half to go into my account and half to go into my wife's account. So my account with its own account number will increase by 3,325 and my wife's account,...
by bogleviewer
Tue Jun 09, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 893

Health Insurance Provider asking for Social

I just received an email from my health insurance provider asking for my social as well as those that are on my plan stating that it is to comply with ACA and to avoid a tax penalty for 2015 tax year. The email stated that the socials are sent to the IRS at the end of the year stating that we meet t...
by bogleviewer
Wed May 06, 2015 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Max Contribution Annoyance
Replies: 15
Views: 1570

Re: HSA Max Contribution Annoyance

OP here One family plan that covers the entire family. Not work place sponsored. No work place HSA deduction. We get it strictly from tax return. My thoughts are to split the family max in half, and put half in my HSA and half in my spouses HSA (same custodian, but separate account numbers). The onl...
by bogleviewer
Wed May 06, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Max Contribution Annoyance
Replies: 15
Views: 1570

Re: HSA Max Contribution Annoyance

Sometimes posing a question sparks something in the brain. Looking at the 2014 Instructions for form 8889 it says line 6: "If you are treated as having family coverage for each month, divide the amount on line 5 equally between you and your spouse, unless you both agree on a different allocatio...
by bogleviewer
Wed May 06, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Max Contribution Annoyance
Replies: 15
Views: 1570

HSA Max Contribution Annoyance

I don't understand why the FAMILY maximum contribution for HSA is not exactly TWICE as much as single/individual maximum contribution. What is the logic behind that? Regardless, for 2015 the maximum contribution limits as per hsacenter are: Single: 3,350 Family: 6,650 The question is: As a husband a...
by bogleviewer
Sat Apr 11, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: [TAX] Shell Company Expenses
Replies: 1
Views: 345

[TAX] Shell Company Expenses

Awhile back I sold one of my businesses. I am retaining onto the entity because technically it has some [potential] liability associated with a lease that will be released this 2015 year at which point I intend to dissolve the entity. I have a PO Box that is used for the entity. The entity had 0 rev...
by bogleviewer
Mon Feb 02, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: tIRA only hope?
Replies: 7
Views: 517

tIRA only hope?

Adjusted gross income for 2014 is > $200k Married filing jointly Only Roth IRA currently from previous years. No contributions in 2014. My understanding is that you can OPEN and FUND a traditional IRA as long as prior to tax filing deadline of April 15th. So 2014 you can open and fund traditional IR...
by bogleviewer
Sun Jan 18, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another online banking thread
Replies: 11
Views: 930

Re: Yet another online banking thread

I use Ally and have never had a bad experience with them. Everything works great. One specific point to clear up though is that Ally does make images of checks you write available for download after processing. If your friends says they don't, have them, click on the blue check image in their accou...
by bogleviewer
Sun Jan 18, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another online banking thread
Replies: 11
Views: 930

Yet another online banking thread

I've narrowed down my search to Capital One 360 and Ally. Ally has better rates and seemingly better customer service. The only down side I see right now is that they only store 13 months worth of transactions and statements online. They also don't include check images on statements for you to downl...
by bogleviewer
Thu Jan 08, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 612

Re: Insurance and Provider - Timely Filing

Sounds like "you snooze, you lose". The doctor was probably too busy delivering babies and not overseeing his $12/hr. billing staff. Another day in the doctor's life. He/She can fight the insurance company for the $ like they do every day. If you had to pay a portion of it anyway, I would...
by bogleviewer
Thu Jan 08, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 745

Re: Mortgage application acceptance

Banks commonly will not refinance mortgages for better terms. I've asked several times and none would refi me. I have ald had brokers (not tied to any one bank) say that they would shop my refi with everyone except my present lender. What was their excuse when you called them? Sorry, we don't want ...
by bogleviewer
Thu Jan 08, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 612

Re: Insurance and Provider - Timely Filing

I am confused. Is the $2000 charge a fee that would have been paid to the provider by the insurance company as part of the reduced-fee-for-service contract? Or, is the $2000 your portion of the deductible and copay? In other words, has the provider been paid anything for the services? Insurance com...
by bogleviewer
Thu Jan 08, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 745

Re: Mortgage application acceptance

ResearchMed wrote:For clarity, I think you mean "refuse to accept an application".

Agreed, refuse would be a better term to use. I have edited the original post.
by bogleviewer
Thu Jan 08, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 612

Insurance and Provider - Timely Filing

In late 2013 we had a baby. Health, beautiful and a bundle of joy. :) Fast forward a year and few months later and I get a bill in the mail for over $2000. I call the insurance company because we had met our deductible and they said that they did get billed by the provider but it was denied due to n...
by bogleviewer
Thu Jan 08, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 745

Mortgage application acceptance

Is it legal for a mortgage company to refuse accepting an application from someone that wants to apply for a cashout refinance? A buddy of mine said that a mortgage company denied accepting an application. He was a previous client of said mortgage company and when he inquired wanting to do a cashout...
by bogleviewer
Mon Dec 15, 2014 11:10 pm
Forum: Personal Consumer Issues
Topic: Hawaii inter island flights and condos
Replies: 7
Views: 1278

Hawaii inter island flights and condos

Doing some Hawaii traveling this Christmas season. We've always flown Hawaiian inter island but I assume that there has to be some cheaper alternatives. We are looking to go from OGG to HNL. Are there other options that are fun and fast (like a fairy)? Also, we normally stay in a timeshare but want ...
by bogleviewer
Wed Dec 10, 2014 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Company Nominal Christmas Gifts
Replies: 6
Views: 535

Re: Company Nominal Christmas Gifts

Does the IRS not have Christmas spirit? Apparently not.

LOL
by bogleviewer
Wed Dec 10, 2014 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Company Nominal Christmas Gifts
Replies: 6
Views: 535

Company Nominal Christmas Gifts

I wanted to run this by the board and get input on what you've seen or what you've done with your company. We are wanting to give nominal Christmas money or gifts to our hourly employees ranging between $200 minimum and $500 maximum (value or cash). Of course, as a company, we want to be able to wri...
by bogleviewer
Thu Sep 11, 2014 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 738

Re: Hedge Mortgage Interest Rates

technovelist wrote:Can you short the long bond at Vanguard?
(Note: I'm not recommending this...)


I don't believe Vangaurd allows shorting anything.
by bogleviewer
Thu Sep 11, 2014 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 738

Hedge Mortgage Interest Rates

Is there a proper vehicle to hedge against mortgage rates increasing that Vanguard offers? For example, if mortgage rates go from 4% average to 5% average the value of the vehicle would increase. I realize that mortgage rates are tied to 10 year bond yield, but not familiar enough with Vanguard offe...
by bogleviewer
Sun Sep 07, 2014 10:14 am
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 60
Views: 4215

Texas - Recommendation Where To Live

A long time friend of mine is looking to move from Utah to Texas. He is self employed (consulting) so he can basically work wherever he wants. I realize that many of you are veteran travelers as well as many Texans on here so maybe you can make some recommendations of places for him to look into Tex...
by bogleviewer
Thu Aug 28, 2014 5:57 pm
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 2403

Possible mail scam?

So I just got a letter in the mail addressed to one of my businesses. It says it is from Microsoft Corporation, PO BOX 12049, Atlanta, GA 30355. It lists an account number that means nothing to me and "RE: Credit Balances/Accounts Receivable" "THIS IS NOT A BILL." In the body of ...
by bogleviewer
Wed Aug 27, 2014 9:59 pm
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1677

Sick Building Syndrome (Electrical Pollution)

I want to run this through the board to get some comments, suggestions and potentially recommendations. A branch location of my work makes me ill. I go there and within a hour my stomach feels funny, I am irritable and on my drive when I leave I yawn, yawn, yawn all the way to my next destination (a...
by bogleviewer
Sun Jul 13, 2014 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage financing question
Replies: 5
Views: 835

Re: Mortgage financing question

There is no such thing as a "certifiable close date". Anyone that tells you an exact date of closing without a full application is simply trying to tell you what you want to hear to get the mortgage application back where you feel more compelled to do business with him/her. A close date wi...
by bogleviewer
Sun Jul 13, 2014 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1207

Insurance premiums for renewals versus current

I'm wondering what others see when it comes to insurance renewals and the renewal premium versus the current premium and past premiums. My Home Owners has been with Amica for 6 years. Every year, without fail, 20% increase. I have had zero claims. I have shopped and USAA is cheaper, but it is only a...
by bogleviewer
Thu May 08, 2014 8:55 pm
Forum: Personal Consumer Issues
Topic: Bye bye Health Equity HSA
Replies: 1
Views: 868

Bye bye Health Equity HSA

Several years ago Health Equity was all the rage. Great customer service, awesome funds to choose from, etc. As time went on and as they grow exponentially they have become a money hungry machine. Their interest rates are terrible and they eliminated all of their low ER funds. I started looking arou...
by bogleviewer
Tue May 06, 2014 10:04 pm
Forum: Personal Consumer Issues
Topic: Allergies, why oh why?
Replies: 3
Views: 663

Allergies, why oh why?

It is allergy season where I'm currently at and it is driving me crazy. Ever since I was a kid I recall every spring and throughout the summer having one of more of the following at any given time: stuffy nose runny nose itchy nose itchy eyes back of throat itch overall beatup feeling across entire ...
by bogleviewer
Sat Apr 26, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: One Penny Tax Refund
Replies: 8
Views: 1744

One Penny Tax Refund

For the first time I did direct deposit for my tax refund. Just the other day I received it into my bank account. The amount received was ONE PENNY less than the refund amount on line 74a of 1040. So for example, if the refund as per 74a was $1,000.00 then the received tax refund was $999.99. Anyone...
by bogleviewer
Mon Apr 14, 2014 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 517

Re: Yet another Turbo Tax issue re: HSA

Any ideas, comments, suggestions?
by bogleviewer
Mon Apr 14, 2014 10:00 am
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 563

Re: paper ibonds from tax refund

runner9 wrote:Based on your post from 2 minutes prior this one you're still working on your taxes. If so, why is this an issue? Do you not know where you'll be living in several weeks right now?


Yes, still working on taxes, but I know I'll get a refund hence the question about the ibonds.
by bogleviewer
Sun Apr 13, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 563

paper ibonds from tax refund

Does anyone know if the paper ibonds that are sent out through the personal income tax refund, whether or not they will forward if you have a USPS forward on the delivery address? I realize some (I believe pre-sorted and some stamped "do not forward") mail will NOT forward, and just wonder...
by bogleviewer
Sun Apr 13, 2014 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 517

Yet another Turbo Tax issue re: HSA

I could be wrong, but I think I'm right :) Using Turbo Tax Deluxe to do my personal tax return. In 2013 between my spouse and I we contributed $6500 into HSA (we had separate HSAs). Up until November we both had individual separate high deductible plans. November forward we had a family plan. My und...
by bogleviewer
Sun Mar 09, 2014 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: M-2 AAA s-corp 1120S section required?
Replies: 3
Views: 415

M-2 AAA s-corp 1120S section required?

I have a s-corp (1120S) that had zero revenue (it is just a shell company for now as the majority of the assets were sold in 2012). Literally, top line revenue is $0.00. It also has less than $250k in assets and based upon this criteria Schedule L (balance sheet) and M-1 are not required on the 1120...
by bogleviewer
Thu Feb 13, 2014 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Still read irs instructions!
Replies: 0
Views: 328

Turbo Tax - Still read irs instructions!

Turbo Tax is a great product and is my favorite consumer grade tax software. However, regardless of what software you use, it is always wise to be educated on the tax form instructions. My wife and I had individual HDHP coverage until November at which point we both converted over to a family plan f...
by bogleviewer
Sun Feb 09, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 1683

Re: HVAC units - hard to comparison shop

My understanding it is that it does both heat and air conditioning. And yes, you are correct, it does both. http://www.youtube.com/watch?v=14MmsNPtn6U I decided not to edit my original post so that it kept the feeling that I'm not a HVAC guy.... but right after I posted it I watched THAT EXACT SAME...

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