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Re: Radiant Heating and Hardwood Floors

We also have engineered wood floors over top of radiant floors in our home, similar to what greenfire posted. Our radiant floors were retrofitted to a midcentury modern home, so some are within poured concrete slab, while others were installed in ply, then covered with hardboard before the finished ...
by dianna
Tue Oct 07, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Radiant Heating and Hardwood Floors
Replies: 6
Views: 758

Re: Portfolio Advice Needed $1M age 40

I'll edit my original post, but the people recommending Coverdell IRAs, the AGI limits are $220K which with my salary of $365K makes us not eligible, unless I'm misreading. You are but my guess is that your kids are not. Open up a UGMA/UTMA in each child's name. Put $2,000 in each account. Then hav...
by dianna
Sun Sep 07, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2072

Re: Using Emergency Fund to Pay off Auto Loan

Dadoftwo, I'm very sorry to hear about this difficult pregnancy. I agree with other posters who have wisely said not to pay off the auto loan but to keep the funds in the emergency fund and accessible. I wish your wife and the newest little one great health in these last weeks, and may the entire fa...
by dianna
Tue Jul 15, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1644

Re: Control4 system user experiences?

Hi. About to undertake a renovation. There is an outdated and only marginally functional sound system in the house. Apparently, the speakers used are top-notch, as is the wiring, but the "brains" and keypads need to be replaced. The Control4 system uses iPads & iPhones to control hous...
by dianna
Fri May 23, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Control4 system user experiences?
Replies: 6
Views: 482

Re: Recommended Parenting Books

As many others have wisely intimated, I agree that fewer books are better than being inundated with books during the infancy stages. While it may be difficult to trust intuition, every baby is different and each parent is different, so trusting intuition is highly valuable, in my opinion. Perhaps a ...
by dianna
Mon May 19, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2321

Re: First Ironman Triathlon Next Year -Any Good Books

First, congratulations on taking on this venture and good luck with it! As swimming was, by far, my weakest link in a tri event, I found that doing Total Immersion swimming lessons were really key. TI swimming is like freestyle but allows you to be more efficient in your stroke. Thus, you get out of...
by dianna
Mon May 19, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1121

Re: Switching to Consulting; Retirement Account Options?

+1 for Solo 401k (also referred to as Individual 401k, or I-K). Consider setting it up through Vanguard; very easy to administrate and manage. Only downside is not being eligible for Admiral shares with lower ER compared to Investor Shares ER, but that's a very minor complaint given the much higher ...
by dianna
Tue Apr 29, 2014 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to Consulting; Retirement Account Options?
Replies: 7
Views: 578

Re: [Poll] What was your 2013 return?

This was a great learning exercise for me. Thank you for the link to MoneyBlog.com's easy rate of return calculator, repeated here http://www.mymoneyblog.com/estimate-your-portfolios-rate-of-return-calculator.html . XIRR = 16.7% across retirement accounts (401ks, IRAs), accounting for contributions;...
by dianna
Fri Jan 10, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9495

Re: Private School Funding

The topic has been discussed previously, and a link to a discussion on how having a child with little/no income make the contribution can bypass the income limits for parents is in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=108183 What we have been coached to do is the fol...
by dianna
Mon Jan 06, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4619

Re: Private School Funding

If a married couple falls below the income limits for a Coverdell, can the parents then contribute $2,000 per year, plus an additional $2,000 gifted to the child, in the child's name? No, the limit is $2000 per year per kid from any source. To the OP, you personally may be above Tax thresholds to c...
by dianna
Sun Jan 05, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4619

Re: What Book Are You Currently Reading? Part V

I just finished reading Malcolm Gladwell's David and Goliath on vacation and then turned to the Big Disconnect by Steiner-Adair about technology and social connection. Overall, I thought that David and Goliath was a nice thought-provoking read and I generally enjoy Gladwell's writing. The Big Discon...
by dianna
Sun Jan 05, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1193269

Rollover T-IRA to 401k to make space for backdoor Roth?

Hi everyone, Thank you for all of the great advice and wisdom on this forum. We are contemplating a transaction to gain more Roth space that I want to run by the forum. Both of us are employed and still in the accumulation phase; only eligible for Roth IRA contributions via backdoor. Wife has no TIR...
by dianna
Fri Oct 11, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover T-IRA to 401k to make space for backdoor Roth?
Replies: 2
Views: 264

Re: solo 401(K) questions

2) I understand that there are no Admiral shares, so I will have to pay higher expense ratios. Do I also have to contribute to a certain fund, especially at the beginning, to make it legally correct? For example, can I just continue with Total Bond Market and Total Stock Market or do I have to choo...
by dianna
Thu Aug 22, 2013 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: solo 401(K) questions
Replies: 20
Views: 1352

Re: Coverdell Education Savings Accounts

We also have ours at Schwab. Easy to set up and fund, good choice of funds. No adverse experiences thus far, however we are only in accumulation and haven't needed to use those funds (yet, thankfully).
by dianna
Fri Aug 09, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Accounts
Replies: 7
Views: 658

Re: All Wheel Drive vs. Front Wheel Drive

I've lived in Minnesota my entire life. About 6 years ago we bought our first AWD, a Subaru Forester. Our other vehicle has always been a front wheel drive commuter car. The only time I noticed a difference in traction and handling was in heavy snow. The Forester was no better on ice than the FWD F...
by dianna
Fri Jul 12, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 6373

Re: All Wheel Drive vs. Front Wheel Drive

Snow tires make much more of a difference than fwd vs awd. +1 I drive a RWD car in a snowy/icy/hail state and it's the tires that make the difference. My personal belief is that AWD makes some people *feel* confident beyond their true driving abilities. Having lived/driven in PA, MA, CT, NY, NJ and...
by dianna
Fri Jul 12, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 6373

Re: When dying

Dear NCBound,
I am so very sorry to hear of your wife's passing. May memories of happier, more peaceful times find a way to heal your soul.
~dianna
by dianna
Wed Jun 26, 2013 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: When dying
Replies: 48
Views: 7618

Re: Help with Health Insurance

We found that ehealthinsurance.com provided comparisons of rates across plans after entering in a little bit of information. This could at least help you understand if the $1200/month is ridiculous or competitive for comparable coverage. But please, read the fine print before you act. FWIW, I just r...
by dianna
Wed Jun 19, 2013 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2699

Re: Should My Parents Keep their Lousy Longterm Care Insuran

Start thinking outside the box and consider some other options besides nursing home or assisted living. Would it be possible for you to build a Granny House in your backyard? It would be separate living area from you. You would be around to help. You could hire help and be there to watch over how t...
by dianna
Wed Jun 19, 2013 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should My Parents Keep their Lousy Longterm Care Insurance?
Replies: 15
Views: 1476

Re: Help create a Financial Presentation: Calling all Bogleh

I'd like to help as I can as well, from the self-employed angle, which I don't see as uniquely represented yet. I will go online to add. Also, when we developed our IPS, we did so only for the accumulation phase, but recently I've created a second one for the withdrawal phase, in the event that I cr...
by dianna
Tue Jun 18, 2013 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 9861

Re: How to find a great nanny?

Recommendations from friends! Some things that made us comfortable about ours: good interaction with little one, religious community ties (lots of church activities), interest and education with early learning, friends who were nannies, & glowing recommendations - including one from someone we ...
by dianna
Fri Jun 14, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: How to find a great nanny?
Replies: 11
Views: 916

Re: why it pays to make purchases with a credit card

+1 for ease of disputed costs. One time, we were about to leave on a trip for London when noticed a $3000+ USD purchase delivered to a PO box in Brussels... apparently, someone ordered him/herself a nice bicycle for "back in the day" 2001 prices! No worries - - VISA looked into the fraudul...
by dianna
Fri Jun 07, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 15
Views: 4003

Re: VOIP What do you think?

What I'm really looking for is a really cheap residential phone solution that I can use in a condo that I live in for about 6 months a year. I have a cellphone but I'm looking to have a residential phone there also for a few reasons. I'm too cheap to install regular phone service and get stuck payi...
by dianna
Thu Jun 06, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: VOIP What do you think?
Replies: 20
Views: 1390

Re: Demo a Bathroom (Save Costs)

Hi All, Has anyone done a bathroom demo? Is this something someone with low 'handyman' skills can do? We have a soaking tub, standing stall shower, double sink vanity, and tile throughout (floors and walls). Am I going to wish I paid someone to do this? Yes - we have done many a bathroom demo; in f...
by dianna
Thu Jun 06, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 2025

Re: Poll: Umbrella Insurance

We purchased our umbrella policy when we were in our mid-30's, working on a major renovation to our home. Grateful that we haven't needed to use it.
by dianna
Mon May 27, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 84
Views: 5042

Re: When to consider buying long-term care insurance?

Long term care coverage is like car insurance; you have to pay continously to keep the policy in force. The longer you pay without making a claim, the more money the insurance company gets to cover claims. That's why the cost rises as you get older; you're likely to pay for less time before you mak...
by dianna
Mon May 27, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4268

Re: When to consider buying long-term care insurance?

If you are a Do It Yourself type individual: (Unbiased Federal Government guide on LTC) http://www.medicare.gov/LongTermCare/Static/Home.asp You should consider your wealth and health factors when buying LTC. Health includes your ancestral family members. Another tidbit, if your employer offers LTC...
by dianna
Mon May 27, 2013 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4268

When to consider buying long-term care insurance?

Background: As part of fine-tuning our IPS, we ran life expectancy calculations so that we have a better picture of how long we need our retirement funds to last. We used the short form life calculator ( http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html ) from Wharton as a first pass beca...
by dianna
Sun May 26, 2013 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4268

Re: What Book Are You Currently Reading? Part V

I have been away from reading for awhile due to crazy-busy work commitments; now finding myself this holiday weekend immersed in 3 books I started awhile ago: "This Will Make You Smarter" by John Brockman - a compilation of short essays by thought leaders of various disciplines. Good for p...
by dianna
Sat May 25, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1193269

Re: Bond duration and tax efficiency question

Given a choice, I would prefer to have bond funds mostly in a tax-deferred 401(k) or traditional IRA and not in a Roth IRA (except for a little bit). The reason is that I can use the Roth IRA for higher expected tax-free growth in equities. Very true, livesoft, and given new yearly Roth space with ...
by dianna
Sat May 04, 2013 12:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 525

Re: Bond duration and tax efficiency question

Thank you, Epsilon Delta! I was hoping that the strategy was sound.
by dianna
Fri May 03, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 525

Re: include LLC shares in net worth?

Followup question for other LLC members - do you include LLC shares when analyzing your portfolio AA? I think whether and how you include LLC assets is contingent on the situation. • I'm self-employed and the business is an LLC; so, for that LLC I draw a salary and also have an i-401k. Those go int...
by dianna
Fri May 03, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: include LLC shares in net worth?
Replies: 12
Views: 590

Bond duration and tax efficiency question

I haven't found the answer to this question on the Wiki, forum or in the Boglebooks. I'm hoping this is a basic question for all of you who understand bonds significantly more than myself. Thanks to backdoor Rothing, I finally have some decent space in our Roth accounts such that I could hold our bo...
by dianna
Fri May 03, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 525

Re: Transfer Options

bkchris,
Please accept my apologies. I called my VG Small Biz rep and you are right they do not allow rollovers from anything but other i-K's or pension products into their I-K, not at start-up, not ever.

Good luck at Fidelity!
~dianna
by dianna
Wed May 01, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 592

Re: Transfer Options

Wanted to do this, but Vanguard does not allow rollovers into their i-401k and I need to consolidate to backdoor Roth. I am in the process of transferring over my Vanguard SEP to my Fidelity Solo 401k.. Why not just convert VG SEP to VG Individual-k? Is this for lower ER's at Fidelity? Seems like a...
by dianna
Wed May 01, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 592

Re: 529 plans overfunding

It is difficult to estimate how much my kids will need for education when they are ready. They are 9 and 4 right now.... Note we live in california so no tax breaks for us The question of how much to fund a 529 plan for kids so young is truly a difficult one, IMO. The educational landscape is the U...
by dianna
Wed May 01, 2013 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 plans overfunding
Replies: 28
Views: 1975

Re: Transfer Options

bkkchris wrote:I am in the process of transferring over my Vanguard SEP to my Fidelity Solo 401k..


Why not just convert VG SEP to VG Individual-k? Is this for lower ER's at Fidelity? Seems like a lot of hassle for a small amount.
by dianna
Wed May 01, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 592

Re: Solo vs individual 401k

Are these the same thing? What is the lowest cost provider that allows you to purchase ETFs? Generally speaking, yes these are the same thing. My i-K is at Vanguard, although I have recently read threads speaking very highly of fidelity, those mostly in reference to being able to do rollovers from ...
by dianna
Tue Apr 30, 2013 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo vs individual 401k
Replies: 7
Views: 758

Re: College Time has arrived... and we need some advice.

Dear Atlanta, I'm quite impressed that you and your wife sat down with your daughter and had a heart-to-heart about her academic future and your finances. This speaks volumes for her in the future, perhaps more than any education that she could get on campus, because she is learning the real-world i...
by dianna
Tue Apr 30, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 3961

Re: Your Dumbest Financial Move

so many choices of dumb moves, so little time..... 1 - not learning the Boglehead investment philosophy earlier (although very happy that we learned when we did) 2 - paying in 2011-2012 to convert an IRA annuity to a Roth annuity. Thousands lost in taxes, but it was too late to cancel the transactio...
by dianna
Tue Apr 30, 2013 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13261

Re: Portfolio Review

Welcome to the forum and congratulations on the upcoming arrival - very exciting! When we started embarking on the Boglehead philosophy, we found it very helpful to formulate an Investment Policy Statement and there is a wiki ( http://www.bogleheads.org/wiki/Investment_Policy_Statement ) that outlin...
by dianna
Tue Apr 30, 2013 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Ditto on the following:
floydtime wrote:A real Vanguard H.S.A. with no fees (other than the usual mutual fund fees).


Code Commit wrote:Admiral shares in Individual 401k, please


Gleevec wrote: Bring back Coverdell ESA
by dianna
Tue Apr 30, 2013 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6631

Re: BigMoney Jobs(high school student wants to be rich some

A lot depends on your definition of rich.....If you just want to be in the top 1% of earners, then doctors and lawyers are the two most common professions in that income bracket.... But not all top earners are top savers , thus could be in the poor house. In the end, do what you like that will affo...
by dianna
Tue Apr 30, 2013 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: BigMoney Jobs(high school student wants to be rich some day)
Replies: 102
Views: 7169

Re: How to find a beach house rental?

Another vote for VRBO. I have used it for rental in Bucerias (north of Puerto Vallarta) Mexico, St Petersburg Russia, Moscow, Porto Portugal and Barcelona Spain (the last 2 for business trips, less expensive than the pricey hotels available). I echo another poster who said to find that the property ...
by dianna
Tue Apr 30, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: How to find a beach house rental?
Replies: 29
Views: 2181

Re: Individual 401 K

VG's small business/individual 401K product does NOT accept rollovers. Hmmmm. FWIW, I was able to rollover a previous i-401k with another vendor into a newly established VG I-401k without any problem about 2-3 years ago. So, I am surmising that the barrier is rolling over 401k plans that are not se...
by dianna
Tue Apr 30, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual 401 K
Replies: 13
Views: 2732

Family Vacations: Your Favorites, ages + tips requested!

I can think of few better places than bogleheads.org to turn to start to collect data on favorite family vacations. Please share some of your favorites (within the US and outside the US). Also, how old should the child(ren) be to optimally enjoy this trip? Do you have any tips to make the trip fun a...
by dianna
Tue Apr 30, 2013 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Family Vacations: Your Favorites, ages + tips requested!
Replies: 31
Views: 2976

After-tax 401k steps: Is this a good plan?

Dear Bogleheads, After extensive research, we have verified that one's employer offers in-service rollovers from after-tax 401k contributions to a Roth IRA. Our accountant has reviewed all of the plan docs and also confirms that this is a go. Note that we max out all other options first (401ks, HSA,...
by dianna
Mon Apr 29, 2013 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax 401k steps: Is this a good plan?
Replies: 2
Views: 395

Re:

quarterstock, or anyone, whats the advantage of contributing after tax monies into a 401K plan? The only thing I can think of is the earnings grow tax free until withdrawn. Seems like very little advantage to tie up your savings when you could instead save and invest it at a discount firm that way ...
by dianna
Thu Apr 25, 2013 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: After Tax 401K Contribution
Replies: 65
Views: 17289

Re: Extra $32,500 in Roth IRA - too good to be true?

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...
by dianna
Wed Apr 24, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 36775

Re: Extra $32,500 in Roth IRA - too good to be true?

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...
by dianna
Wed Apr 24, 2013 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 36775
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