Search found 200 matches

by enderland
Mon Apr 27, 2015 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: how's my retirement looking?
Replies: 2
Views: 595

Re: how's my retirement looking?

$18,000 his 401k (employer contributes $3000 of this)


Note that you can contribute $18k in addition to the $3k employer match.
by enderland
Sun Apr 26, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: SAHP, Social Security, and Life Insurance and taxes
Replies: 6
Views: 805

Re: SAHP, Social Security, and Life Insurance and taxes

We're going to go with $750k on me and $500k on her. Thanks everyone! Also be aware that any benefit Mom receives as "caregiver to kids" is subject to earning limits (her benefit would be reduced if she earns more than $15720 for 2015; if she were to work full time, she would probably get ...
by enderland
Sun Apr 26, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: SAHP, Social Security, and Life Insurance and taxes
Replies: 6
Views: 805

Re: SAHP, Social Security, and Life Insurance and taxes

You have no dependents right now so your life insurance needs are minimal. I'd much rather get the term insurance now so that there are no complicating factors when we have kids in the future (ie our health changes, etc). I'd agree that SS significantly reduces the need for life insurance on you. Y...
by enderland
Sat Apr 25, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: SAHP, Social Security, and Life Insurance and taxes
Replies: 6
Views: 805

SAHP, Social Security, and Life Insurance and taxes

DW and I are recently married in our late 20s with no debt, around $150k in retirement accounts, both healthy and hoping to have a family (2-6 kids? not 100% sure right now) at some point. I will be the primary earner in future (currently make $80k-ish a year) - DW will almost assuredly become SAHM ...
by enderland
Mon Feb 02, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1442

Re: Married with HDHP, spouse not eligible, use HSA for both

Sweet, that's what I thought - it'll be nice since I've got quite a bit in there already and will just continue to be packing more in!
by enderland
Sun Feb 01, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1442

Married with HDHP, spouse not eligible, use HSA for both?

Situation: I am married with a HDHP (individual). My spouse has insurance through work which is not HSA eligible. I know very clearly I cannot add my spouse and change my HDHP to a family plan. I want to know: ⋅ Can I use my HSA to pay her medical expenses? I have been reading the IRS rule...
by enderland
Mon Jun 09, 2014 6:10 am
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

Well it's getting closer to summer and I'm going to basically rebalance into the same ratios of: ⋅ 90% stock (70% us, 30% international) ⋅ 10% bonds The US stock will break down: ⋅ 50% S&P ⋅ 15% small cap ⋅ 35% total stock market index and intern...
by enderland
Sun Apr 20, 2014 1:04 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 2302

Re: Stopping unwanted "junk" newspaper

I have a similar situation, except that it is sent to our mailbox, which considering we are in an apartment is quite small. I hate the thing since we throw it away nearly 100% of the time and it takes up significant space. Especially if we aren't able to check our mail daily, the paper gets folded u...
by enderland
Sat Apr 19, 2014 7:15 pm
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 8263

Re: Amazon.com prices change quickly

Camelcamelcamel is great!
by enderland
Sat Apr 19, 2014 10:43 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 133
Views: 22241

Re: Frugality regret: What thing do you regret not spending

As a person currently living their 20s this was a really good thread for me to read.

I appreciate all the wisdom and thoughts!
by enderland
Fri Apr 18, 2014 10:28 am
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 13659

Re: *poor* Bogleheads

There will always be someone making more, with a higher net worth for your age, with lower costs of living, a better marriage, a better house, more awesome family, better job, etc. Always. For everything which is meaningful to you. Someone else always has a better situation somehow, somewhere. The i...
by enderland
Tue Mar 11, 2014 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 59
Views: 6682

Re: Do you have a side job?

Every once in a while I'm eligible for paid OT at my work (at 1.5x my hourly rate).

Considering I generally enjoy my work, this is pretty easy for me to get some additional money.
by enderland
Thu Mar 06, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

I bought a $40 shirt for $24 last week, but the $16 discount is not income and I am not putting it on my tax return next year. More seriously, back in the dark ages, I had a teaching assistantship. There were two parts to it: I graded papers and got paid $200 a month, and I paid in-state tuition in...
by enderland
Wed Mar 05, 2014 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

After talking with someone (very knowledgeable! I was impressed) from Turbotax, looks like this was coming from my 1098-T form. As a grad student I received some money for tuition purposes (to bring tuition to 50% rather than 100%) and had mistakenly put this as "payment for services." If ...
by enderland
Wed Mar 05, 2014 7:34 am
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

Same problem. I guess I'll see what Turbotax folks say, I'm not overly excited to dig into this...
by enderland
Tue Mar 04, 2014 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

I'm going to just start over.

Looks like that W2 has $0 for social security wages which is probably why it had no FICA withheld..
by enderland
Tue Mar 04, 2014 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

It's still the same, interestingly even deleting that off didn't affect it at all. Maybe I should just delete each form individually and re-add everything?
by enderland
Tue Mar 04, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

Re: "Business Taxes" on turbotax - where is this coming from

I don't have TT on this computer, so I cannot simply run it with a W-2 with no FICA witheld. However, I do recall that when one enters a W-2, TT asks lots of questions about it. Did you answer the questions? Boxes 3 and 5 of the W-2 should have no entry if SS and Medicare are not supposed to be tak...
by enderland
Tue Mar 04, 2014 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 614

"Business Taxes" on turbotax - where is this coming from?

I have been filling out my taxes online with turbotax. I have a mysterious category under my income for "Business taxes" - amounting to $441. Turbotax tells me That's all we need for our calculation of self-employment tax. Your self-employment tax is $441. I can't figure out what this is r...
by enderland
Sun Jan 12, 2014 8:36 pm
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 5031

Re: Poll: Understanding the average forum member age

Holy wow I feel young at 25.
by enderland
Sun Jan 05, 2014 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

Alrighty, makes sense and thanks so much! I went through and made most of those changes - I didn't look at how to allocate my HSA funds since that seems like a pain in the ass and I want to go to bed early tonight :) I'll just rebalance on my birthday, too, during summer. So I'll have about 6 months...
by enderland
Sat Jan 04, 2014 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

If you post information on your current portfolio and the 401k options we can easily give you suggestions on how to set this up with taxable investing. I suggest adding $11k to taxable so you can buy one fund with admiral shares then add the other $4k to your emergency fund. Perhaps of your monthly...
by enderland
Sat Jan 04, 2014 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

Man I keep going back and forth on this. Thinking about priorities is hard. Maybe I will just put $15k there and start putting $1k a month and building up a taxable account so if I do ever get married or have kids I already have a good start to taxable investments. I do have a longer term goal of be...
by enderland
Thu Jan 02, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 826

Re: Should I start a 529 plan for 2013?

Even if you use it for non-qualified expenses, you only pay income taxes and a 10% penalty on the earnings. That's still a pretty good return for an extremely low-risk investment. Oh. That penalty is only on the earnings? For some reason I thought it was like the 401k penalty applying to all your c...
by enderland
Thu Jan 02, 2014 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

Before opening your first taxable account you want to do a little thinking through your entire portfolio. You will probably need to adjust your roth and 401k and may even need to break them into individual funds in order to be able to maintain your target asset allocation. If you don't, you will be...
by enderland
Thu Jan 02, 2014 1:09 am
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

Re: How best to start taxable investment accounts?

I would suggest a mutual fund account instead of a brokerage account at Vanguard. And instead of the S&P500 index fund, I would suggest the Vanguard Total Stock Market index fund VTSAX. And yes, it is just like opening the Roth account. Hm. Is this just through the process to create an individu...
by enderland
Thu Jan 02, 2014 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 826

Re: Should I start a 529 plan for 2013?

I would first max out any retirements accounts, pay off debt, build up an emergency fund, max out I-bonds, then perhaps start saving for a good down payment on a future house. Some 529s do give a tax break at the state level, however they come with strings attached, you will pay a penalty if you wi...
by enderland
Thu Jan 02, 2014 12:15 am
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 3538

How best to start taxable investment accounts?

Emergency funds: yes Debt: none Tax Filing Status: single Tax Rate: 25% Federal, 8% State Age: mid twenties My 401k and Roth IRA are 100% in BTC 2050 and Vanguard Target 2050 retirement funds, respectively (about $45k total after my 2014 Roth IRA contribution). I like the simplicity with these and a...
by enderland
Tue Dec 31, 2013 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 826

Should I start a 529 plan for 2013?

Last minute planning for the win. Some details: ⋅ I want to have kids someday (though currently am not married) ⋅ I have some cash savings which I'm going to reallocate ⋅ It's somewhat likely I'll spend money continuing education for myself at some point (seminary) I am...
by enderland
Wed Dec 25, 2013 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 3130

Re: Enderland's journal

Well, I'm sure they would not lie, but mis-communication and mis-understanding on these subjects is rampant. :twisted: If you do it, I'd be sure to check the account to be sure you really are getting the right amount of match. If not, you could change your plans early in the year and not miss any m...
by enderland
Wed Dec 25, 2013 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 3130

Re: Enderland's journal

Sometimes a company match is done by pay period. If you front load, you may lose the match for the months you don't contribute. You might want to check this before implementing your plan. Yeah. I should have mentioned this - I definitely do NOT have this problem. I actually emailed our benefit folk...
by enderland
Wed Dec 25, 2013 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 3130

Re: Enderland's journal

Plan for 2014 is to max out my 401k, HSA, and Roth IRA early in the year. I won't need any of my house savings this year unless something crazy happens so I'm going to front-load all those contributions and then when my 401k contribution hits the limit I'll divert all extra income towards house savi...
by enderland
Fri Aug 16, 2013 9:29 pm
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 11512

Re: Dr. Wade Pfau on the 4% Rule

Someone should update FIRECALC to do the following: ⋅ Allow spending to be defined a % of remaining portfolio (ie 3.5%, 4%, whatever) ⋅ Allow a minimum spending to be defined numerically(representing "worst case" scenarios) ⋅ Allow a maximum spending, as well ...
by enderland
Sat Aug 10, 2013 10:50 am
Forum: Personal Finance (Not Investing)
Topic: What house can we afford?
Replies: 66
Views: 7631

Re: What house can we afford?

I'm rather excited to eventually start looking for a house - this thread is exactly why.

I will be purchasing considerably less than I "could afford" which is going to confuse the hell out of some realtors and bankers :)
by enderland
Fri Aug 09, 2013 7:00 pm
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5820

Re: LinkedIn strategy?

I frequently use Linked-In to look up people I am going to have meetings with or interview (if I'm lucky enough to know their name ahead of time).

Knowing someone's background can be quite helpful, even if it's cheesy and they know you looked them up from the notification.
by enderland
Fri Aug 09, 2013 1:22 pm
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 6162

Re: 1987 stlye crash on the way?

Maybe it's because I'm in my mid 20s but if we get to pick and choose, I'll choose:

- Huge market crash this afternoon
- Slow market for the next 10 years
- 2025 - 2040 sees great growth in the market
by enderland
Wed Aug 07, 2013 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: What do I owe my children?
Replies: 119
Views: 10630

Re: What do I owe my children?

It sounds like you are going to feel bad if you don't provide equally for them.

This to me is reason enough to consider not doing it. It also sounds like it isn't a big deal financially to either of them.
by enderland
Tue Aug 06, 2013 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to simplify and overcome Boglehead perfectionism?
Replies: 38
Views: 5618

Re: How to simplify and overcome Boglehead perfectionism?

This is one reason I like target date funds.

Do the research, make sure the target date fund has a decent AA and low ER, and then not worry.
by enderland
Mon Aug 05, 2013 3:24 pm
Forum: Investing - Theory, News & General
Topic: Should an HSA be considered part of retirement portfolio?
Replies: 9
Views: 954

Re: Should an HSA be considered part of retirement portfolio

I've been curious about this, too. An HSA has the ability to be a pretty large percentage of one's income.

I'm 25 and will be maxing my HSA out indefinitely. I expect to build up a lot of savings in it and eventually buy some funds (unless I get married/have kids, I guess).
by enderland
Mon Aug 05, 2013 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate & budget stress
Replies: 22
Views: 2600

Re: Savings rate & budget stress

Maybe I'm missing something but you are still spending an additional $4k.5 a month you didn't list? Your mortgage is pretty low, so either you've paid it down a lot and still have a high monthly payment, or you have other holes too. One thing you could do is go shopping with your wife sometime. She'...
by enderland
Fri Aug 02, 2013 9:35 pm
Forum: Personal Consumer Issues
Topic: Do I owe a letter of apology to someone? [Coffee maker]
Replies: 5
Views: 1628

Re: Do I owe a letter of apology to someone? [Coffee maker]

No, but you could probably write them a nice story someone might appreciate :)
by enderland
Fri Aug 02, 2013 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10902

Re: Question on "Rich Habits"

He defined “wealthy” as earning at least $160,000 annually and holding at least $3.2 million in assets. I'll be honest, I'd be far more interested in looking at the habits of those who are "wealthy" by having more than $1M in assets yet net incomes below $100k a year their entire lives. I...
by enderland
Fri Jul 26, 2013 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10902

Re: Question on "Rich Habits"

He defined “wealthy” as earning at least $160,000 annually and holding at least $3.2 million in assets.


I'll be honest, I'd be far more interested in looking at the habits of those who are "wealthy" by having more than $1M in assets yet net incomes below $100k a year their entire lives.
by enderland
Wed Jul 24, 2013 5:52 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 10927

Re: Really hard to avoid "Keeping up with the Joneses"!

Maybe I'm a terrible person, but every time I see my peers, family, or friends act (or boast) similarly, I get a sense of pity.

They will never experience the freedom I have even currently and will continue to feel more and more as my net worth increases.
by enderland
Sat Jul 20, 2013 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3571

Re: What's your budget look like?

1) Misc. is a cop out category. For all lists, not just budgets. Break that out into real categories like personal spending, eating out, baseball tickets, books, etc. 2) Add "fudge factor" categories. That's a bad name, but I'm not sure of a better one. Things like one time only purchases...
by enderland
Sat Jul 20, 2013 8:16 am
Forum: Personal Finance (Not Investing)
Topic: To what degree is $ negotiation part of the hiring process
Replies: 13
Views: 1384

Re: To what degree is $ negotiation part of the hiring proce

There are a lot of non-salary components which factor into a job offer. If either the company or the candidate only view the "salary" part of the compensation package, they are very naively engaged in negotiation. For example, I believe I am somewhat underpaid in terms of actual salary at ...
by enderland
Sat Jul 20, 2013 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 6197

Re: Conflicted About Expected Lifestyle Creep

So my question to you all is: How have others on this forum dealt with a significant, acute increase in income, not a steady increase over a long time period? I recently made this transition from grad RA (making about $800 a month after tuition, and my living expenses were pretty close to this) to ...
by enderland
Fri Jul 19, 2013 4:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Des Moines Chapter Meeting #2, Sat. Aug 3 at 10AM
Replies: 3
Views: 486

Re: Des Moines Chapter Meeting #2, Sat. Aug 3 at 10AM

Hoping to make it, some travel plans yet to be worked out, but it was fun the first time around and definitely would be good to do again :)
by enderland
Wed Jul 17, 2013 8:52 am
Forum: Personal Finance (Not Investing)
Topic: How to understand medical bills and charges with HDHP?
Replies: 17
Views: 1480

Re: How to understand medical bills and charges with HDHP?

After talking with them, some stuff was re-coded, the extra charge removed, and after I just got it, the total appears to only be $66.35 now.

This is a small price to pay for seeing how this system works firsthand.

Thanks everyone :)
by enderland
Fri Jul 12, 2013 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 107
Views: 10879

Re: Help create a Financial Presentation: Calling all Bogleh

I have also put together a presentation which is "why care about personal finance?" though, it is much different in style than the majority of these presentations (way fewer words).

I'm giving it today, will update with feedback and then post it :)

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