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Re: Contribution limit 401k

Spirit Rider, Ahem. You're right about the backdoor Roth. There is an existing Roth from the past due to the lower pay scale working for the government, but the good news is that there is NO T-IRA yet. Are you suggesting to put additional money into a new T-IRA and then backdoor to a Roth? What is t...
by htdrag11
Sat Apr 25, 2015 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribution limit 401k
Replies: 28
Views: 2413

Re: Contribution limit 401k

See: Publication 590-A (2014), Contributions to Individual Retirement Arrangements (IRAs) As Spirit Rider implies, I believe that your child starting a new job can contribute the maximum of $18K to the employer's plan, the max to the Roth ($5,500 ($6,500 if you are age 50 or older)), and zero to a ...
by htdrag11
Sat Apr 25, 2015 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribution limit 401k
Replies: 28
Views: 2413

Re: Contribution limit 401k

I'm still confused. Just try to advise my single child starting a new job. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-401k-and-Profit-Sharing-Plan-Contribution-Limits Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits Two annual limits apply ...
by htdrag11
Sat Apr 25, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribution limit 401k
Replies: 28
Views: 2413

Re: Who follows Age in Bonds

I just use Firecalc to determine my asset allocation to get a near 100% chance of never running out of money. In my early 60's, still invest in 70-30 mix. Debt free and could afford another 2008 debacle w/o losing sleep at night. Would consider going to 60-40 at 70, unless my health deteriorate. Ye...
by htdrag11
Sat Apr 25, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 52
Views: 3306

Re: Selling on eBay with local pickup using PayPal - Dangero

^^^^what he said. You can also call PayPal customer service to ask. Just like selling a used car, I pre-printed a standard receipt with both of our signatures as artifact, including the serial number (expensive electronic). In my case, I took cash rather than PayPal. I do use a pen to verify the bi...
by htdrag11
Sat Apr 25, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 19
Views: 968

Re: Terminating ADT Alarm Service

Call your credit card company and dispute the bill. It's worked twice for me when a company wouldn't stop monthly billing to a credit card. In general, when I have some dead-simple you-obviously-goofed-please-fix-it situation, I give the company one chance to fix it. If they show any signs of foot-...
by htdrag11
Fri Apr 24, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 10
Views: 1161

Re: Terminating ADT Alarm Service

Reason I cancelled was that I changed to Google Voice Why would that change anything? We've been much happier without ADT and have been with FrontPoint for a number of years now. You're absolutely right. They just want to jack up the rate. I used to have IP phone from my cable company. When I switc...
by htdrag11
Fri Apr 24, 2015 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 10
Views: 1161

Re: Terminating ADT Alarm Service

ADT is the HOTEL CALIFORNIA of alarm systems - you can checkout but never leave. We cancelled at the end of our contract and knowing this, tried in vain to get SOME TYPE of confirmation #, operator name, or other proof of cancellation to no avail. They said they would send us a letter in month (the...
by htdrag11
Thu Apr 23, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 10
Views: 1161

Re: Terminating ADT Alarm Service

You mentioned they charge your credit card? If that charge is not legit, you have recourse by simply calling your credit card company and initiating a dispute. Ultimately this would result in a chargeback to ADT. Credit cards are consumer friendly. You will prevail via this route. I'm not concerned...
by htdrag11
Thu Apr 23, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 10
Views: 1161

Re: UPRR - Unclaimed Property and Medallion Signature questi

Well, lessons learned. My BIL had either managed his paperwork/accounts poorly or still blasted from his divorce that he had no idea what happened to the settlement (other than getting dry-cleaned). Maybe it's karma. Even if he gets any part of the money, his fiancee would spend it for him anyway. H...
by htdrag11
Thu Apr 23, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPRR - Unclaimed Property and Medallion Signature questions
Replies: 5
Views: 533

Terminating ADT Alarm Service

Well, since I called ADT on February 27th to terminate, it took a month to be effective on March 27th. They charged my credit card again. Called them back last week, and has a credit of $20 plus due to one month and several days. Called again today, still got no refund though the last person promise...
by htdrag11
Thu Apr 23, 2015 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 10
Views: 1161

Re: UPRR - Unclaimed Property and Medallion Signature questi

He will need to call the 800 number that comes with the UPRR. It will be his problem (#3) whether he wanted to drag all this old baggage up again.

As for #4, he does not have Fidelity. B of A did provide the service but that was about 2 years ago.

Thanks.
by htdrag11
Wed Apr 22, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPRR - Unclaimed Property and Medallion Signature questions
Replies: 5
Views: 533

Re: I am torn about AT&T stock

I know how you feel. Retired from T and sold all the stocks about 5 years ago, despite the high dividends. Through years of mismanagement and unfocused marketing strategy, it has lagged behind VZ after the 2008-2009 debacle. Not knowing the rest of your portfolio, it's difficult to recommend a repla...
by htdrag11
Wed Apr 22, 2015 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am torn about AT&T stock
Replies: 19
Views: 1898

UPRR - Unclaimed Property and Medallion Signature questions

My brother-in-law just received an UPRR for some Canadian stocks that were purchased by another Canadian company. That is the good news. The bad news is that the stocks were held with his ex from 20 years ago after a bitter divorce. He is only interested in his 50%. Even with a 15% finder's fee and ...
by htdrag11
Wed Apr 22, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPRR - Unclaimed Property and Medallion Signature questions
Replies: 5
Views: 533

Re: ROTH Setup and conversion

My wife will be 59.5 by July this year. Her Roth has only $40k from 2013.

Alan, there is no "free" lunch. Thanks for pointing out. I might consider cashing out some of my I-bonds instead instead of incurring LTCG.
by htdrag11
Tue Apr 21, 2015 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Setup and conversion
Replies: 4
Views: 284

Re: Broken Oxygen Sensor on Car

livesoft wrote:My friends replace the O2 sensors themselves. So do-it-yourself. A web search says the part is less than $50. Labor would be $0.

Check out repairpal.com for estimates.


I checked out repairpal.com for both Toyota and Lexus SUV on a 30k miles service; the former is cheaper by a whopping 50%!!!
by htdrag11
Tue Apr 21, 2015 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 42
Views: 2393

Re: ROTH Setup and conversion

The picture will be clearer toward the end of the year, depending on the gains and losses. Most likely would still be in the 25% bracket, not 15 as in 2014.

Yes, there will be more paperwork in 2 accounts. Thanks.
by htdrag11
Tue Apr 21, 2015 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Setup and conversion
Replies: 4
Views: 284

Re: MB vs Volvo vs. Other?

Did not own either one but their reliability is not impressive; just Google them or check out Consumer Reports from your local library. We did had a MB back in the '80s, great car while it is not in the shop; ditto for BMWs and Saabs. Our friend's leased Audi and Evoque are fun but problematic. Curr...
by htdrag11
Tue Apr 21, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 43
Views: 2844

ROTH Setup and conversion

Over 59.5 in age, we both are retired and have no wage income. We could live of our interest/dividends and LTCG w/o touching the "principle" so far. I've a TD managed T-IRA for over 10 years and a self managed Vanguard account with both T-IRA and Roth, as well as a taxable account where we...
by htdrag11
Tue Apr 21, 2015 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Setup and conversion
Replies: 4
Views: 284

Re: Single best piece of personal finance advice ever receiv

Got introduced to this forum from my neighbor. :D
by htdrag11
Mon Apr 20, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6835

Re: Cast Iron Skillet Cooking

We've got an assortment of sizes from the flea markets and cleaned them, round as well as square/rectangle shape. With warmer weather coming up, we use them outdoor to fry fish, especially if they not as fresh as we like them to be. Obviously steaks are great, but so are lamb chops, tuna, blue fin, ...
by htdrag11
Mon Apr 20, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 127
Views: 16929

Re: ROTH 5 year rule

Learn something new every day; it's great to be alive! :D
by htdrag11
Mon Apr 20, 2015 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 5 year rule
Replies: 21
Views: 2520

Re: Home stereo system conversion to digital

The other cheap steaming option that hasn't been mentioned is Chromecast. $29 ChromeCast http://www.amazon.com/Google-Chromecast-Streaming-Media-Player/dp/B00DR0PDNE $30 HDMI to RCA Converter http://www.amazon.com/ViewHD-Premium-Extractor-Converter-VHD-H2HSAs/dp/B00KBHX072/ref=sr_1_1?s=electronics&...
by htdrag11
Fri Apr 17, 2015 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1878

Re: Input wanted from BMW owners

If I recall, the X5's battery is underneath the seat, pretty hard to get to. Also it needed to be vented. It was the most expensive $300 I ever spent on any car battery. As for the $130 oil change, it was done at the dealer vs. $100 by my local mechanic. The bill said 8 quarts of synthetic oil, plus...
by htdrag11
Mon Apr 13, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4386

Re: Household Gross Income Poll

Ahem! Fit in and inferiority complex - imagine that you're an Asian immigrant who did not even speak English. Being a geek did not help either, except maybe these days. I just count my blessings that somehow we managed to struggle through junior, high school, college and work our behinds of to save ...
by htdrag11
Mon Apr 13, 2015 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12533

Re: Input wanted from BMW OWNERS

Congrats and enjoy! BTW, there is no such thing as a mature adult behind a BMW or maybe just me. :twisted: Our was a 1st year car, so there were quite a few issues but some were fixed under warranty. - rear lift gate (probably several thousands if you have to pay for it) - battery was $300 including...
by htdrag11
Sun Apr 12, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4386

Re: "NYC pension fees are a $2.5B lesson for investors"

"There's a sucker born every minute."

Thanks for sharing.
by htdrag11
Sun Apr 12, 2015 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Fees Wipe Out $2.5 Billion in NYC Pensions
Replies: 17
Views: 2580

Re: Adjusted Livesoft Income (ALI)

More perks:

Free cellphone data plan and internet services (working from home); conference meals while on the road. None is reported.
by htdrag11
Sun Apr 12, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 40
Views: 6189

Re: LiveWatch Alarm System -anyone?

I've gone with SimpliSafe but w/o the smart apps for a lower cost of $19.95/month monitoring. The basic equipment package cost me $235 that includes Simon XT base station, 5 window/door sensors, 2 motion detectors and 1 keyfob. The only issue with the DIY installation was that each box was identifie...
by htdrag11
Wed Apr 08, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 17
Views: 1600

Re: H&R Block Tax Software - Low Prices at Amazon

My bad.

I can go to the state web site and pay directly. The H&R instructions stated to send a check... :(
by htdrag11
Mon Apr 06, 2015 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 42
Views: 3785

Re: H&R Block Tax Software - Low Prices at Amazon

Well, for a long time TurboTax (TT) user, I'm disappointed with these 2 issues with H&R Block:

1. Cannot do electronic payment for my local state tax while TT could
2. Form 8889 for HSA is not as clear as TT

Will go back to TT next year and bite the bullet. :oops:
by htdrag11
Mon Apr 06, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 42
Views: 3785

Re: smartphones

Resistance is futile, at least in my case. Just picked up a Moto E from AT&T which I got 30% off as a retiree (50% if my area has AT&T U-verse but not). They have been very generous to me in the past while I was working. It could get addictive, depending on your lifestyle. I do appreciate ap...
by htdrag11
Sun Apr 05, 2015 3:31 pm
 
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 1785

Re: Gearing up for big replacement windows project

Just for laughs, we replaced one set of French sliding door with built-in shades about 15 years ago for $3,500. Last year the proposal for our 2nd set was about $7k. I did not bite. Used Costco's services for $2,500 (no where as nice as Pella). $15k for the entire house was for parts or parts and la...
by htdrag11
Sun Apr 05, 2015 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2590

Re: LOL how long do you keep old tax returns

Kept 1040 from 1980's and tax filings with supporting records from 2005. Need to shred some more.

8606's are indeed PITA.
by htdrag11
Sun Apr 05, 2015 8:31 am
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3167

Re: Your Best Tips for Selling on eBay/Amazon/Similar?

Most of dalexa1010's points are excellent. To recap some of my own experience with eBay: - Free shipping always help, even if you have to eat or split some of the cost - Put as much details and/or pictures as possible - an excellent track record would help (not in your case); mine is 100% with over ...
by htdrag11
Sun Apr 05, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Your Best Tips for Selling on eBay/Amazon/Similar?
Replies: 18
Views: 2021

Re: Definition of financial independence?

I'm OK with the OP's found definition. Here is mine: when my wife stops nagging me why I'm buying xyz? This bugs me since I had already run FireCalc and other tools. They convinced me that I need to spend 200% of our current budget to make a small dent. :oops: The other definition is "I only ha...
by htdrag11
Wed Mar 25, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4984

Re: Scottrade

By consolidating, I also avoid the annual "value-added" call from Scottrade.
by htdrag11
Wed Mar 25, 2015 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade
Replies: 5
Views: 490

Re: Scottrade

I just rolled over my "orphaned" Scottrade account over to Vanguard Voyager Select at $2/trade but I rarely use it for stocks, just Vanguard ETFs which are free.

I can count the number of stocks in my portfolio on one hand now, about the same as ETFs. Less is more :D .
by htdrag11
Wed Mar 25, 2015 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade
Replies: 5
Views: 490

Re: Laptop: Windows based vs. Apple

Guess I'm agnostic. I've a used Dell Win7 XPS laptop that I dualboot with Ubuntu, a Win8.1 HP Stream 13 laptop strictly for financial transactions, and a hand-me-down MBP for fun. My phone is Android based (I'm cheap) and a Samsung Pro Tablet 10.1 (16x10); wife has an iPad Air (4x3). She used to mak...
by htdrag11
Tue Mar 24, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6312

Re: Quitting my job to become a consultant -- foolish?

Since you loathe the politics and ladder-climbing, that is another plus going the consulting route. Full disclosure, I took early retirement around 45-46 with full retirement benefits and a 7-figure net worth, practically debt free, so it was an easy decision to go the consulting route. I've also be...
by htdrag11
Sun Mar 22, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting my job to become a consultant -- foolish?
Replies: 11
Views: 2078

Re: How Do You Watch Television?

I shredded my cable services. Yet another category?
by htdrag11
Sun Mar 22, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 5838

Re: External Hard Drive?

I have used WD, Seagate and Toshiba. WD seems to give me a slightly faster copy rate than the others though none failed yet. Through the years, I kept on upping the storage from .5. 1.0 2.0 (USB powered) to now 4TB (ac powered) drives. For most documents/pictures, 1 or 2 TB is all you need. I do not...
by htdrag11
Sun Mar 22, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2426

Re: Convince a Newly Converted Boglehead to sell AAPL shares

5% of my holding is in AAPL; some were bought after the internet bubble. Unlike the "typical" Bogleheads, I'm still at 70-30 stocks vs. bonds since I retired and not about to change in the next 5-10 years. My w/d rate is less than 2%, not even touching my SS yet. I sleep fine at night, my ...
by htdrag11
Sun Mar 22, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 2004

Re: Google voice

No downside for me, with the exception that I dropped my VOIP with cable so my alarm company wants to charge me more for their wireless monitoring service. I dropped them too and chose a cheaper provider.

As someone pointed out, I use it with Google Hangout in tandem.
by htdrag11
Sat Mar 21, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4512

Re: What Movie Have You Recently Watched?

Warriors of the Rainbow: Seediq Bale 2011 from Taiwan covers the Wushe "Incident" (more like ethnic cleansing), with gorgeous cinematography. It's pretty graphic so this is not family entertainment.

http://www.imdb.com/title/tt2007993/?ref_=rvi_tt
by htdrag11
Sat Mar 21, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 771
Views: 103403

Re: Anyone dropping Kaspersky computer security?

Well, I did do something stupid so Norton saved my neck. Before then I only have MSE and EMET. Cost me $35 for 3 licenses. My DoD friends advised me against buying Russian stuff.

I'm now running dualboot on my Win7 laptop with Ubuntu. The other laptop is Win8. It's cheap insurance.
by htdrag11
Fri Mar 20, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3140

Re: What's a good digital antenna?

It depends. We live on a hill with little obstructions. For myself, I'm 35 miles from NYC and 60 miles from Philly, so I needed the amplified version of the Ultimate Mohu Leaf. Wife is OK with it since it blends very nicely into the wall. white-on-white. I need it for my NFL fix. In metro area like ...
by htdrag11
Fri Mar 20, 2015 8:18 am
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2196

Re: RSU Vesting and Exercising

Thanks for all the replies. I'm waiting for more clarification. Rob, I do recalled that it's not cliff vesting. Afty, Agreed. "You would receive the number of shares that corresponds to $X on the date the stock was granted (your hire date)", so it would be 2016, then there is no need to wo...
by htdrag11
Wed Mar 18, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: RSU Vesting and Exercising
Replies: 6
Views: 580
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