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Re: If you are sure

If you are sure you are going to move, then start the house selling process now. Tricky, isn't it? I might *not* lose my job, in which case I wouldn't move. But once I know if my job is actually in jeopardy, it'll might be an imminent thing, in which case I will most likely have to move... but agai...
by doug91
Thu Jul 17, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2674

Re: Likely about to lose job, planning for transition

Um, yes you can. You can always withdraw Roth IRA contributions for any reason without any taxes or penalties. You simply can't touch the earnings . That's the beauty of a Roth and one of the reasons it can "double" as an emergency fund. I would absolutely run my MMA dry before touching R...
by doug91
Thu Jul 17, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2674

Re: Likely about to lose job, planning for transition

Thanks for all the replies. Ironically, work has been crazy and I haven't had a chance to check in until now. Do you think you would get a severance package that might include things like continued healthcare, 6+ months of salary, etc? Or would you sign up for unemployment? I think I'll get a standa...
by doug91
Thu Jul 17, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2674

Re: Likely about to lose job, planning for transition

dickenjb wrote:Are you certain that ACA exchange is better than COBRA coverage?


My employer's HDHP plan would be around the same price as an ACA platinum plan in Florida, assuming both were unsubsidized. I can't speak from experience to better or worse, but ACA does appear to be more cost-effective.
by doug91
Wed Jul 16, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2674

Likely about to lose job, planning for transition

The department that I run is about to be outsourced, and although no one is saying anything explicitly, I'm getting friendly suggestions that I should prepare to be let go (or find another job within the company, which is shrinking on all fronts, so not a high-probability outcome). I don't think it'...
by doug91
Wed Jul 16, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2674

Re: Was frugality a mistake? The downsides of saving too mu

It's funny that so much of the frugality regrets are centered around women, because at least when I lived in San Francisco and Chapel Hill, the most beautiful women were almost invariably having their flings with physically fit, poorly groomed, musically talented, and nigh-impoverished young men. Wh...
by doug91
Sat Mar 15, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 9913

Re: Please Help Me Find A Doctor

Most of the "doctor finder" applications on your health insurer's website - and they all have one - will let you select on varying criteria. I wanted a relatively recent grad, a generalist (since this was going to be my GP), and a male doctor - basically someone my age & gender so that...
by doug91
Wed Feb 19, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1900

Re: What's Your up to the minute AA?

Asset: Target % (Actual %)
Total Stock Market: 26.00% (26.10%)
Total Bond Market: 17.50% (17.00%)
Inflation-Protected: 17.50% (17.20%)
Total International: 26.00% (25.70%)
Small Cap Value : 6.50% (6.90%)
REIT: 6.50% (5.20%)
CASH: 0.00% (2.00%)
by doug91
Tue Jan 07, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 104
Views: 8241

Re: How much a baby costs?

And in case any of these costs make it sound scary, my three-month old just laughed for the first time. Totally, totally worth every penny. Well, dollar. Well, hundred-dollar. Still, though. Worth it.
by doug91
Mon Jan 06, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4840

Re: How much a baby costs?

Your washing machine will instantly get double the work when you bring the little one home, or more. You will have to wash all of the burp rags, clothes, bedding, etc, etc. You will also be washing more of your own clothes too. If the machine is old, prepare to buy a new one. All the laundry also m...
by doug91
Mon Jan 06, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4840

Re: How much a baby costs?

In re: the initial post, if you're buying everything vs getting hand-me-downs (and by the way, used baby clothes are easy to find, and many cities have a large consignment event for clothing & toys), breastfeeding, and cloth diapering, you're probably looking at a first-year outlay of about $2,5...
by doug91
Mon Jan 06, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4840

Re: How much a baby costs?

I get frustrated when I see people recommending cloth. There isn't an expense I would hesitate to due without, outside of the mortgage, in order to ensure my kids wore throwaway diapers. It's not even close. Mortgage, diapers, everything else. I think it was one of our wedding vows. Why would it fr...
by doug91
Mon Jan 06, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4840

Re: Do you invest in a taxable account?

1. 401k up to the company match
2. Set aside funds for backdoor (or front door) Roth depending on 2014 income
3. Max out HSA
3. Max out 401k to pre-tax+after-tax limits
4. 529 to budgetary plan
5. I-bonds
6. Taxable Investing

I don't always make it to #6. :)

DM
by doug91
Mon Jan 06, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7516

Re: POLL: Do you use your HSA funds to pay for medical expen

Wow, so far 10 people (45%) have voted " No, I have HSA funds, but I use taxable funds instead. ". Could you please elaborate on your record keeping and strategy? My HSA allows recording of each expense and attachment of a scanned receipt image. If it didn't, I'd probably have giant folde...
by doug91
Thu Dec 19, 2013 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4572

Re: POLL: Do you use your HSA funds to pay for medical expen

Wow, so far 10 people (45%) have voted " No, I have HSA funds, but I use taxable funds instead. ". Could you please elaborate on your record keeping and strategy? My HSA allows recording of each expense and attachment of a scanned receipt image. If it didn't, I'd probably have giant folde...
by doug91
Thu Dec 19, 2013 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4572

Re: POLL: Do you use your HSA funds to pay for medical expen

Wow, so far 10 people (45%) have voted " No, I have HSA funds, but I use taxable funds instead. ". Could you please elaborate on your record keeping and strategy? My HSA allows recording of each expense and attachment of a scanned receipt image. If it didn't, I'd probably have giant folde...
by doug91
Thu Dec 19, 2013 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4572

Re: Help with Chase HSA Investment selection

BTW, I know you didn't ask for advice on your 401(k) holdings, but I'll echo the earlier comment that you've got a lot going on in there. I suspect you'd benefit from consolidating it down to Total Stock Market Index, International Stock Market Index, and a low-cost bond index. Or, while that 401k i...
by doug91
Wed Dec 18, 2013 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Chase HSA Investment selection
Replies: 7
Views: 508

Re: Help with Chase HSA Investment selection

I have that one too. OGEAX (S&P 500 Index) is the cheapest one (expense-wise) although the idea of paying 0.45% for an S&P 500 index makes me a little sad, on top of the $2.50 / month administrative fee for the privilege of investing in it. The Core Bond fund is 0.76% ER, Blackrock Internati...
by doug91
Wed Dec 18, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Chase HSA Investment selection
Replies: 7
Views: 508

Re: Car seat for toddler

Diono RadianR100 or Radian RXT . We have two of their predecessors, the Radian 65, and love them. We also have two Britax seats and they collect dust in the garage. They just aren't as comfortable for the kids and they seem really light-weight (ie, not made well) compared to the Dionos. eta: I thin...
by doug91
Thu Dec 05, 2013 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Car seat for toddler
Replies: 26
Views: 1447

Re: Any new IRS guidance on after-tax 401K and Roth?

You're right! Sorry, it's only 0% taxable because the funds have losses. :) The change that threw me off is that my in-service withdrawals used to be all-or-nothing (vested employer match + after-tax contributions), now they allow withdrawals just from the after-tax account (with the gains, if any, ...
by doug91
Wed Nov 27, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any new IRS guidance on after-tax 401K and Roth?
Replies: 4
Views: 425

Re: Execute my IPS rule re: I Bonds and TIPS?

Well, given that I don't have any reason to assume that LTCG will decrease on my one taxable account (which has a total of one fund in it), I figure I'm going to have to answer this question at some point even if it's not this year. So I didn't really think about it explicitly when putting my IPS to...
by doug91
Wed Nov 27, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Execute my IPS rule re: I Bonds and TIPS?
Replies: 4
Views: 483

Any new IRS guidance on after-tax 401K and Roth?

I know for a few years running, there has been a question about what the IRS's formal rules are / will be about the tax implications of an in-service move of after-tax contributions to a 401K into a Roth account (pro-rated vs isolated accounts). Since last year, my employer's plan has made their sub...
by doug91
Wed Nov 27, 2013 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Any new IRS guidance on after-tax 401K and Roth?
Replies: 4
Views: 425

Execute my IPS rule re: I Bonds and TIPS?

One of the rules in my IPS seemed straightforward enough, but I'm now pausing based on what'd be required to execute it. The rule is simple enough: - Move funds from TIPS (TIPS Index fund) into Series I Savings Bonds whenever possible My asset allocation calls for a 50/50 split between TBM and "...
by doug91
Wed Nov 27, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Execute my IPS rule re: I Bonds and TIPS?
Replies: 4
Views: 483

Re: A "What's Your Number" Follow-Up Question

I've read with interest many of the posts responding the the question: "What's your number?" One subject I haven't seen discussed on this topic is how that number moves (if at all) depending on the type of accounts that form the number. Let me provide an example. If a 60 year old is still...
by doug91
Mon Nov 18, 2013 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "What's Your Number" Follow-Up Question
Replies: 16
Views: 2387

Re: Storing pennies

When I collected coins as a kid, we used the Whitman books for coins that weren't necessarily special / high value, but which completed a set (years, mint marks, etc). We used the hard plastic tubes for coins that might have some value, but only time would tell. (The "hoarding" coins, in o...
by doug91
Mon Nov 18, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Storing pennies
Replies: 8
Views: 1598

Re: Advice on what to do summer before senior year high scho

Duke's also got a four-week program for high schoolers that simulates campus life (live in dorm, take classes for credit). I suspect many others schools do as well. If he's not particularly independent, things like the Yale / Oxbridge / Duke program would actually give him some experience that might...
by doug91
Fri Nov 15, 2013 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Advice on what to do summer before senior year high school
Replies: 63
Views: 2744

Re: iBonds for tax sheltering

ANy worry about the opportunity cost of sinking money into a low-interest yielding ibond right now compared to the other investment options like stocks? I know a balanced portfolio is the goal, but the prospect of a 5+ year (or 30 year if held all the way) 0.2% over inflation seems really low for a...
by doug91
Thu Nov 14, 2013 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1600

Re: iBonds for tax sheltering

Here's my savings budget; #4 and #5 could be interchangeable. 1. 401k up to the company match 2. Put aside enough cash to max out non-deductible tIRAs at year-end for later Roth conversion 3. Max out 401k to pre-tax+after-tax limits (b/c plan allows in-service withdrawal of after-tax contribs, which...
by doug91
Thu Nov 14, 2013 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1600

Re: Question about opening HSA

Quick note: HSA is a great idea, but limited FSAs can be made available alongside HDHP/HSA plans specifically for covering dental and vision expenses. http://www.myshps.com/hsa/limited_fsa.stm If you're planning to save the money long-term, HSA is a great option, but if you've got specific expenses ...
by doug91
Thu Nov 14, 2013 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about opening HSA
Replies: 13
Views: 1304

Re: Morbidity

Big blast of Arctic air is knocking the leaves off the trees in much of the country, we're due for our first freeze of the season tonight (and we're in Florida). Might just be a side effect of the season. :) That said, I'm glad the threads have popped back up, because it reminded me to bookmark that...
by doug91
Wed Nov 13, 2013 9:45 am
 
Forum: Personal Consumer Issues
Topic: Morbidity
Replies: 33
Views: 2573

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

A pleasant surprise, even. Thanks for posting.
by doug91
Fri Nov 01, 2013 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7393

Re: Another HSA newbie thread

Regarding the tax benefit of the HSA, I can contribute $2500 to a flex account under the PPO. Yes it is use it or lose it, but I will likely be able to use it based on recent year's experience. So, I would say the HSA tax benefit over the flex benefit is on 5550-2500=3050. Using your tax rates, the...
by doug91
Fri Nov 01, 2013 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Another HSA newbie thread
Replies: 7
Views: 860

Re: HSA newbie questions

If I weren't getting a company HSA contribution & my wife had a good PPO, I'd probably just join hers. Can you just wait until her open enrollment period & get added to hers?
by doug91
Thu Oct 31, 2013 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA newbie questions
Replies: 5
Views: 493

Re: Tis the Season....How about another HSA Quesion

Do you adjust your 'regular' Emergency fund since you're using the HSA as that in a way? As am example, if I decide I need a 6 months EF, but yet I don't have to worry about medical expenses because I have that covered in the HSA, could my regular EF be adjusted to say 4 months. Realize the easy an...
by doug91
Thu Oct 31, 2013 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tis the Season....How about another HSA Quesion
Replies: 11
Views: 949

Re: Poll For Those Who Don't Have a LTC Policy

There should be a choice of "I don't have one and may consider one "especially if there is change in the industry This is where I am right now. I tend to be over-insured, being a generally nervous person, but I just can't see a clear path to LTCI the way things are set up right now. I'd r...
by doug91
Mon Oct 28, 2013 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll For Those Who Don't Have a LTC Policy
Replies: 34
Views: 2212

Re: TIPS fund in 401k - bad idea?

I hope not, it's exactly what I do. :) Basically, I believe that some percentage - I picked 50%, but cases have been made for more, less, or none - of my bonds should have inflation-protection. My preferred vehicle for that is Series I Savings Bonds, but because of their purchase limits, I can't get...
by doug91
Fri Sep 13, 2013 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund in 401k - bad idea?
Replies: 6
Views: 596

Are you Super-Saving? [CNN Money looking for interviewees]

Thought some folks on this board might make interesting interview candidates for this CNN Money request for interviewees: http://moremoney.blogs.money.cnn.com/2013/08/30/are-you-super-saving-for-early-retirement/?iid=HP_River Apologies if it's a duplicate, I promise that I really did search the foru...
by doug91
Tue Sep 03, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Are you Super-Saving? [CNN Money looking for interviewees]
Replies: 9
Views: 2142

Re: letting money get in the way of everything?

I know that this is sounds off-topic and is a very personal question, but I'm curious about it as it has a very direct parallel to a situation that I'm dealing with in my family, so please don't be offended, but has anyone in your immediate family struggled with either hoarding behaviors or eating d...
by doug91
Thu Aug 29, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: letting money get in the way of everything?
Replies: 34
Views: 3206

Re: Priority of These In Roth?

That would mirror exactly what I'm aiming for, so I certainly like it. :) As time allows, I'm liquidating my TIPS Index Fund and exchanging it for Series I Savings Bonds, so I'll eventually be 50% Total Bond Market at Vanguard and 50% Series I Savings Bonds at Treasury Direct (which as you say, is t...
by doug91
Tue Aug 27, 2013 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 447

Re: Priority of These In Roth?

My bond allocation is 50% BND and 50% "inflation-protected," which is the combination of a cheap TIPS Index in my 401(k) and Series I Savings Bonds. Those I Bonds are pretty cool, in that they allow me to get tax-deferred growth within my bond allocation without taking up any space in my t...
by doug91
Tue Aug 27, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 447

Re: Priority of These In Roth?

Makes sense - the wiki is definitely authoritative. The challenge you're experiencing with Wellington is a big reason that I don't own any mutual funds that mix stocks & bonds. It seems like a shame to give up the tax sheltering of the Roth for the 60% of Wellington that is in stocks, because pr...
by doug91
Tue Aug 27, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 447

Re: Priority of These In Roth?

Assuming you don't have any 401k or other rollover IRAs, I'd put the bonds in your Roth first, then if there's room left, the REIT. The rest could go into taxable. Again, that's assuming you don't have any other tax-deferred retirement vehicles - if so, the whole portfolio should be looked at togeth...
by doug91
Tue Aug 27, 2013 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 447

Re: Spending down HSA to invest in Roth?

Plan 2: Pay from HSA, then contribute the $5000 from checking in ways which eventually gets it into a Roth. This leaves $0 in HSA and $5000 in Roth, which can be taken tax free in the future, and no need to keep documentation of the medical spending. On the other hand, after-tax 401k --> Roth conve...
by doug91
Thu Aug 22, 2013 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spending down HSA to invest in Roth?
Replies: 10
Views: 897

Re: Spending down HSA to invest in Roth?

* Wouldn't it be great if HSA plans allowed for some sort of voluntary accounting of expenses within the HSA, so that the tax-free portion was readily identifiable? Imagine an account which allowed you to associate with it a ledger of some sort, together with PDF attachments. Upon any transfer to a...
by doug91
Thu Aug 22, 2013 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spending down HSA to invest in Roth?
Replies: 10
Views: 897

Re: Spending down HSA to invest in Roth?

If currently portfolio is $640,000, and this is a $3,000 decision, it truly is in the noise for you. An HSA and a Roth are similar in nature... Given the choice I would keep the money in the HSA, and sacrifice on the Roth. The beauty of the Roth, too, is that you will have until tax-day next year t...
by doug91
Thu Aug 22, 2013 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spending down HSA to invest in Roth?
Replies: 10
Views: 897

Spending down HSA to invest in Roth?

Question first, profile below: I know the usual wisdom is to just hold the HSA and treat it as a "super IRA" in retirement, which totally makes sense to me. However, due to budgeting issues, I'm currently having to choose between investment vehicles and was curious to get this forum's thou...
by doug91
Thu Aug 22, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spending down HSA to invest in Roth?
Replies: 10
Views: 897

Re: re: going to Bryce/Zion (and a bit of Vegas)

When I visited Zion in October of 2010, I had the place to myself - was literally the first person to go in that morning, rode the tram solo, saw maybe a dozen people on any of the trails. It was overcast and rained a few times, but nothing that prevented me from being agape with how beautiful it wa...
by doug91
Fri Aug 16, 2013 3:31 pm
 
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 2677

Re: Any US-Only/Mostly-US Stock Holders Getting Nervous?

I'm always nervous. It's in my nature. But that said, one of the things that actually diminishes my nervousness about "over-valued" assets is that when they get too high relative to my asset allocation, I sell them and put them into whatever is too low relative to my asset allocation. Whil...
by doug91
Thu Aug 08, 2013 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Any US-Only/Mostly-US Stock Holders Getting Nervous?
Replies: 114
Views: 11081

Re: poll; what % of your bond allocation is in I-bonds?

Just over 25% now, but increasing over time as I roll out of my 401k's TIPS Index and into I-Bonds. They will eventually be 50% of my bond allocation (target: 50% TBM, 50% Series I Savings Bonds), assuming there's no windfall that increases the size of the portfolio faster than my yearly purchasing ...
by doug91
Wed Aug 07, 2013 9:26 am
 
Forum: Investing - Theory, News & General
Topic: poll; what % of your bond allocation is in I-bonds?
Replies: 36
Views: 2654

Re: Savings rate & budget stress

, do you do any cooking for the family or does your wife handle all of that? You might offer to make some simple meals after work or put something in the crock pot in the morning before heading to work. I did all the cooking during the first trimester, or "the sleeping months." Actually u...
by doug91
Tue Aug 06, 2013 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate & budget stress
Replies: 22
Views: 2535
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