Search found 79 matches

by ciscovp
Tue Jul 28, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2696

Re: Can I reject a medical exam during insurance application without consequences?

David Jay wrote:It sure sounds like you are dancing around a possible health issue that concerns you, but you don't want to have any doctor confirm...


This is my conclusion as well.
by ciscovp
Tue Jul 28, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2696

Re: Can I reject a medical exam during insurance application without consequences?

Why not get a physical to check your health. Then based on the result of the physical, you apply for insurance.
by ciscovp
Fri Jul 24, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 4153

Re: Apple individual stock, what am I missing here?

The past expectation was already built into the stock price.

The stock price fell on future guidance.
by ciscovp
Thu Jul 16, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3718

Re: What to do with bill received for prior homeowner

This is simple. Just write " Return to Sender - incorrect address" and drop it in the mail. The sender will try to contact the prior owner using a different approach.
by ciscovp
Thu Jul 16, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: questions about 529 plan - asset allocation
Replies: 22
Views: 1780

Re: questions about 529 plan - asset allocation

Thanks RabbMD and happymob, I will definitely look into a rollover (after the tax season) to a lower cost VG plan. I liked the link you gave RabbMD, the link indeed says, that Maryland does not recapture rollover tax breaks - has anyone actually done this? Is the 12 month rule to avoid recapture ef...
by ciscovp
Thu Jun 25, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 3931

Re: 2014 Lexus ES350

I don't own a Lexus ES 350 but I own a Toyota Avalon which is same engine and same body but about 5k cheaper. The new Avalons and ES 350s are actually a bit sportier with a firmer suspension than the same models of 2012 and before. I would encourage you to test drive both. Does the Avalon use premi...
by ciscovp
Tue Jun 02, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3482

Re: PayPal Lessons Learned

mptfan wrote:The lesson learned is do not use Paypal.


No, the lesson learned is not to buy products from dubious sellers.
by ciscovp
Mon Jun 01, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Pension or Unfair Lump Sum
Replies: 39
Views: 5237

Re: Pension or Unfair Lump Sum

Aren't you going to owe something like 40-45% in taxes on the lump sum such that you only have $550-600K to invest? Won't you be in a lot lower tax bracket on the pension payouts? If so, this swings the choice more towards monthly payments though I still don't know which is better.. You can roll ov...
by ciscovp
Wed May 20, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 876

Re: Pension (annuity) vs lump sum decision

My previous company (private company - publicly traded) is offering me the option of lump sum or annuity with an insurance company. The company had previously suspended the pension plan and now is in the process of terminating the plan. Termination is July 1 2015. Hence the options. I am 42 years o...
by ciscovp
Thu May 14, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 876

Re: Pension (annuity) vs lump sum decision

Seems lump sum is the answer.
by ciscovp
Wed May 13, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 876

Re: Pension (annuity) vs lump sum decision

Thanks Lee. I have been a practicing Boglehead since 1998 from the Morningstar boards.
by ciscovp
Wed May 13, 2015 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout to TIRA or Roth IRA
Replies: 6
Views: 378

Re: Pension buyout to TIRA or Roth IRA

Does your wife have a current 401k? If so, can you rollover the IRA to the 401k?
by ciscovp
Wed May 13, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 876

Pension (annuity) vs lump sum decision

My previous company (private company - publicly traded) is offering me the option of lump sum or annuity with an insurance company. The company had previously suspended the pension plan and now is in the process of terminating the plan. Termination is July 1 2015. Hence the options. I am 42 years ol...
by ciscovp
Fri Nov 07, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Bunk Bed: question and recommendation
Replies: 7
Views: 870

Bunk Bed: question and recommendation

We are looking at getting a bunk bed for my sons. They are 7 years and 2 years in age. The older son will be on top and younger son at the bottom. My wife prefers twin over full bunk bed. So that if the kids want they can sleep together sometimes in the full bed. However, I prefer a twin over twin w...
by ciscovp
Fri Oct 17, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2306

Re: Mega bus vacation with toddlers.

Yes. Drive to NYC or even to NJ and catch the train into NYC.
by ciscovp
Fri Sep 26, 2014 6:17 pm
Forum: Personal Consumer Issues
Topic: Which company would you go with? (HVAC contractor)
Replies: 11
Views: 813

Re: Which company would you go with? (HVAC contractor)

I will go with the person that did the load calculations. I will insist on a manual J. Ask B, if he will do a load calculation.
by ciscovp
Tue Jan 28, 2014 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Family Inheritance / (Family Feud)
Replies: 16
Views: 3566

Re: Family Inheritance / (Family Feud)

Don't focus on the trust. Focus on building your own wealth.
by ciscovp
Sat Jan 11, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 7131

Re: King sized mattress recommendation?

Was in the market for a mattress and the replies here will definitely help.
by ciscovp
Wed Nov 27, 2013 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 2720

Re: Help Pick ObamaCare Plan?

Calm Man wrote:I am assuming that being young and starting a family you have sufficient income that you would not get subsidies. I would therefore stay as far as possible away from the government exchanges and buy on the private market.


Don't understand your logic. The health policies are from private companies.
by ciscovp
Sun Nov 24, 2013 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Never too early?
Replies: 7
Views: 1227

Re: Never too early?

First things First.

Pick a useful major and focus on getting very good grades in college.
by ciscovp
Sun Nov 24, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 3842

Re: Advantages to Dual Citizenship?

I believe getting dual citizenship limits your US job opportunities. I don't believe you can get a position that requires government security clearance.
by ciscovp
Wed Nov 20, 2013 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2257

Re: Security concerns with HealthCare.gov

Purchase needed health insurance or be so afraid of security issues trotted out at a congressional dog and pony show (that probably apply to many commercial websites as well) that one would go without. One a risk analysis basis..... gosh that's a tough one! :mrgreen: One can avoid healthcare.gov by...
by ciscovp
Wed Nov 20, 2013 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you measure up to the super-rich?
Replies: 26
Views: 3051

Re: How do you measure up to the super-rich?

I don't. I will rather the super-rich measure up to me.
by ciscovp
Wed Nov 20, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2257

Re: Security concerns with HealthCare.gov

I will not be worried. It is no less secure than the Medicare website run by the same agency.
by ciscovp
Fri Nov 15, 2013 7:19 am
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 2727

Re: smooth top electric range

This is the reason why gas stoves are preferable.
by ciscovp
Thu Nov 14, 2013 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10622

Re: My relatives insulted my family for 40 years and think t

greg24 wrote:How obscenely rich are you that second cousins think they are in the will?

True. No one will bother if you were a middle class struggling individual. You must be very, very wealthy for parents to tell their kids to expect something from you.
by ciscovp
Thu Nov 14, 2013 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10622

Re: My relatives insulted my family for 40 years and think t

clacy wrote:It's weird to me that anyone outside of children and a spouse would feel entitled to a relative's money, but I'm sure it happens all the time.


I guess they expect something since the OP has no children. Not sure if he is married. If he is, then the will can give the wife all the money.
by ciscovp
Mon Nov 11, 2013 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Making an offer on a house
Replies: 16
Views: 1190

Re: Making an offer on a house

Hi Folks, My wife and I made an offer on a house a few weeks back. We didn't get it, but that was mostly because we got outbid for a house we didn't believe was correctly priced. When we made an offer, we filled out a "Contract to Purchase Real Estate #501 (with Contingencies)" form from ...
by ciscovp
Mon Nov 11, 2013 2:49 pm
Forum: Investing - Theory, News & General
Topic: 2013 preliminary capital gains estimates for Vanguard
Replies: 12
Views: 1580

Re: 2013 preliminary capital gains estimates for Vanguard

The list does not show capital gains for stock index funds.
by ciscovp
Sun Nov 03, 2013 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1962

Re: assuming no financial aid; how much per child in 529?

livesoft wrote:If parents put $140,000 into a 529 plan in a single year, would they miss out on any state income tax breaks for years 2,3,4, and 5?


In my state, any yearly contribution over $5000 can applied for a tax break the next year and year after that until all the contributions are applied.
by ciscovp
Thu Oct 31, 2013 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1247

Re: 401k Overcontribution

I believe you can only add after-tax contributions after you reach the $17500 limit. In your case, you have to wait until 2014. As previously mentioned, rolling over the old 401k has limited your options. I'm confused about this. If I'm allowed to contribute after-tax contributions after the $17,50...
by ciscovp
Thu Oct 31, 2013 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1247

Re: 401k Overcontribution

Your spouse's plan may not allow after-tax contribution and if they did, they would not necessarily know that her contributions were meant to be after-tax since they should know nothing about her contributions with her previous employer. At my company you tell them whether contributions are after-t...
by ciscovp
Thu Oct 31, 2013 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1247

Re: 401k Overcontribution

Just to be clear, these after tax contributions are not roth? And they do not count toward the 17,500 limit? Does anyone have any IRS pages where I can read more about these? Does the employer match count toward the 17,500 limit? I believe you can only add after-tax contributions after you reach th...
by ciscovp
Thu Oct 31, 2013 1:34 pm
Forum: Personal Consumer Issues
Topic: The New Consumer Reports Issue on Cars
Replies: 26
Views: 5391

Re: The New Consumer Reports Issue on Cars

Any ranking on the Infiniti? What do you all think of the 2014 Infiniti QX-60? This is similar to the 2013 JX-35. Infiniti changed the name.
by ciscovp
Wed Oct 23, 2013 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 483

Re: Pension Rollover Questions

How stable is the company?
by ciscovp
Tue Oct 15, 2013 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Stay put as mortgage slave or relocate?
Replies: 23
Views: 3506

Re: Stay put as mortgage slave or relocate?

What happens if you walk away from the old house? Normally I would not suggest walking away, but the bank does not seem to be being a good citizen either. I disagree. Bank lent OP money to live in an area she can still choose to live in. Why should the bank eat a loss on the house because she no lo...
by ciscovp
Tue Oct 15, 2013 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 20907

Re: Quicken and Vanguard - Download Problem

How does one get rid of the vanguard message. I get them every time I download stock quotes.
by ciscovp
Fri Oct 04, 2013 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Messed up my TSP rollover - what should I do?
Replies: 6
Views: 703

Re: Messed up my TSP rollover - what should I do?

You want to do all that work for less than 2% change in price? Just stick with your IPS and don't focus on daily changes in price.
by ciscovp
Fri Oct 04, 2013 1:59 pm
Forum: Forum Issues and Administration
Topic: Forums for Off-Boglehead Discussion?
Replies: 18
Views: 1757

Re: Forums for Off-Boglehead Discussion?

I don't go to other forums to read contents that will otherwise be locked here. I don't have the time and most of those discussions are usually based on personal feelings/opinions and not facts.
by ciscovp
Wed Sep 25, 2013 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Not Interested in Working
Replies: 46
Views: 3423

Re: Wife Not Interested in Working

Why not divorce, give her half and move on. Seems you don't care about her.
by ciscovp
Wed Sep 25, 2013 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Early payoff of the mortgage
Replies: 22
Views: 1880

Re: Early payoff of the mortgage

Rental property
by ciscovp
Thu Jul 04, 2013 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: TSM and TSIM in Taxable
Replies: 8
Views: 770

Re: TSM and TSIM in Taxable

What is TSIM?
by ciscovp
Fri May 10, 2013 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Vendor at Work
Replies: 8
Views: 552

Re: New 401k Vendor at Work

In addition to the questions already asked regarding cost? 1. Are in-service withdrawals allowed? 2. Do the funds hit all asset classes such as international, small-cap, etc.? 3. Any specialized sector funds such as REITs, TIPs, commodity, health care, etc.? 4. How is the .5% fee taken? -> Is it fro...
by ciscovp
Fri May 10, 2013 2:41 pm
Forum: Investing - Theory, News & General
Topic: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?
Replies: 3
Views: 581

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

No, it does not matter. Just treat it as average cost.
by ciscovp
Mon Apr 29, 2013 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Form 8606 and Turbo Tax
Replies: 17
Views: 1037

Re: Form 8606 and Turbo Tax

Look at the 1099r that was sent to you. There is a box or two that are checked. You need to make sure those boxes are also checked in turbo tax.

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