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Re: Negotiating Price of New Construction Home with Builder?

During 2008-2009 the local builders will offering incentives on their own.
Now, the prices have been skyrocketing, because the demand is there.

I live in NJ, so take that into consideration.
by ieee488
Fri Jan 23, 2015 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating Price of New Construction Home with Builder?
Replies: 9
Views: 961

Re: negotiating vacation days

Tell them what you want. Your negotiating power is strongest right before you accept the job. At my company they will generally match whatever vacation time a person was receiving at their previous job for a senior hire or someone they are trying to get from a competitor. Junior hires without much ...
by ieee488
Fri Jan 23, 2015 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1579

Re: negotiating vacation days

If you ask and are granted the vacation, see if that is the base that will increment. I've seen a new employee negotiate extra time, only to have the amount frozen for years. Did this new employee ask for a lot more vacation days? Wouldn't they automatically get the more days once the 5 year mark r...
by ieee488
Fri Jan 23, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1579

negotiating vacation days

I just received a job offer for a "permanent" position. The salary is OK. I am back to what I was making in 2003. At this point in my career, I prefer more vacation days. This isn't a megacorp but isn't a small company either - $450M in revenues last year. Starting employees get 15 days a ...
by ieee488
Fri Jan 23, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1579

Re: Having a lot of kids really paid off.

[Response to OT comment removed by admin LadyGeek]
by ieee488
Thu Jan 08, 2015 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2572

Re: Best online checking account

You didn't ask, but, my preference is for the use of a brick and mortar bank for checking. Interest on low dollar checking accounts is low or nonexistent so that is not a consideration. Most banks now support online transactions and I like to support in my little way local businesses. Given this, I...
by ieee488
Thu Jan 08, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4848

Re: ubunto vs xubuntu vs lubuntu laptop

Since you have more than the system requirements, I'd stick with Ubuntu

It is Ubuntu.
by ieee488
Thu Jan 08, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2408

Re: New SEP-IRA, not simple at all!

A sole proprietor is just that. There cannot be any employees.
Are you sure that the SEP-IRA was set up right?

Anyway, http://www.irs.gov/Retirement-Plans/Ret ... tributions is what you should be reading.
by ieee488
Wed Jan 07, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New SEP-IRA, not simple at all!
Replies: 6
Views: 508

Re: Finance My Son's Law School

Sorry about all the abuse. bogleheads hate it when you pay for your kids' education. I paid for my kids' graduate school, including one law school degree -- the lawyer is now making twice what I am, which is what Americans used to want before we got selfish. It is hardly selfish to make a decision ...
by ieee488
Sun Jan 04, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4452

Re: Question about NJ taxes re: self-employed 401K contribut

To me, it looks like it is no-brainer to start a solo 401(k).
I also have a SEP-IRA.

The tax deduction is a bonus. I did it initially to be able to save more tax-deferred.

I sent in the forms to Fidelity at the end of December 2014, and the account is set up and ready to be funded.
by ieee488
Sun Jan 04, 2015 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about NJ taxes re: self-employed 401K contributions
Replies: 5
Views: 595

Re: Unemployment Insurance Questions

Businesses are supposed to pay unemployment taxes. This is not something that comes out of the employee's pay. If they don't pay then there is no money to pay unemployment on to laid off workers. Here in NJ, the unemployment taxes do come out of the employee's pay. If they weren't taken out and eas...
by ieee488
Sun Jan 04, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 674

Re: Unemployment Insurance Questions

dm200 wrote:Perhaps the question/issue is whether the employer paid Unemployment taxes. Almost all employers are required to do so, but some do not. This is separate from state and federal income tax withholding, and FICA/Medicare.


Or perhaps he was on 1099.
by ieee488
Sun Jan 04, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 674

Re: Question about NJ taxes re: self-employed 401K contribut

I found this by Googling http://www.njnatp.com/pdf/2010njspringnews.pdf On page 3, Along the same lines, contributions to qualified retirement plans made for the benefit of a self-employed taxpayer are deducted as an “adjustment to income”. NJ allows qualified contributions to a self-employed 401(k...
by ieee488
Sun Jan 04, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about NJ taxes re: self-employed 401K contributions
Replies: 5
Views: 595

Re: Have a BJs membership. Should I get their CC?

Altephor wrote:Also, if anyone knows if that 5% applies to the gas station purchases as well (I'm guessing not).


I suspect that they do what Wawa here does which is to code their registers differently.
Purchases at the gas pump is not classified as BJ purchases.
by ieee488
Sun Jan 04, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Have a BJs membership. Should I get their CC?
Replies: 8
Views: 1377

Re: Don't forget the 4Q Es Tax Payment

Mailed Jan 2.
by ieee488
Sun Jan 04, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't forget the 4Q Es Tax Payment
Replies: 1
Views: 448

Re: Unemployment Insurance Questions

Hi everyone, I was laid off at the end of Nov. when I called to file my unemployment claim I was told they have no record of my employment with my previous employer. I was told they did not report my income to the Dept of Labor. My question is: isn't this illegal? Also, is there some penalty they w...
by ieee488
Sun Jan 04, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 674

Re: Chromebook dedicated to finances?

MossySF wrote:ChromeOS is the safest OS to use.

Where are you getting this info?

If Wikipedia is to be believed ChromeOS is based on Gentoo Linux kernel.
by ieee488
Sat Jan 03, 2015 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3750

Re: Question about NJ taxes re: self-employed 401K contribut

I found this by Googling http://www.njnatp.com/pdf/2010njspringnews.pdf On page 3, Along the same lines, contributions to qualified retirement plans made for the benefit of a self-employed taxpayer are deducted as an “adjustment to income”. NJ allows qualified contributions to a self-employed 401(k)...
by ieee488
Sat Jan 03, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about NJ taxes re: self-employed 401K contributions
Replies: 5
Views: 595

Re: Chromebook dedicated to finances?

No need to spend $200 on a Chromebook.
Take your XP PC, and install Linux on it.
Mint is the most popular these days. I use Ubuntu.
by ieee488
Sat Jan 03, 2015 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3750

Re: Family advice - 401k rollover

Brother's age: 29 Recently unemployeed, receiving unemployment payments, actively seeking new opportunities. State of residence: WI My brother asked for advice about his 401k so I went in and started looking at the funds ER + turnover rate. The average ER is greater than 1% w/ high turnover rates. ...
by ieee488
Fri Jan 02, 2015 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family advice - 401k rollover
Replies: 6
Views: 610

Re: Help my friend's dad retire in 18 years

(he earns about $150,000 per year pre-tax) Taxable Investing: Vanguard TSM $1,200 per month Vanguard TISM $1,200 per month (total of almost $29,000 per year) Non-Deductible Traditional IRA investing: $6,500 per year/$540 per month in Vanguard High-Yield Corporate fund That's a grand total of about ...
by ieee488
Fri Jan 02, 2015 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help my friend's dad retire in 18 years
Replies: 15
Views: 1202

Re: Input needed on my retirement investment plans

My plan. Stop my 10% contribution to my 401k and set up my own Roth IRA instead (an S&P index mutual fund). Costs are lower and I have more flexibility this way. Doing this doesn't change much for me, yes, I have more taxable income; but I am still in the 25% tax bracket and like I said, I don'...
by ieee488
Fri Jan 02, 2015 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investment plan input needed (including annuity)
Replies: 19
Views: 1070

Re: Input needed on my retirement investment plans

My plan. Stop my 10% contribution to my 401k and set up my own Roth IRA instead (an S&P index mutual fund). Costs are lower and I have more flexibility this way. Doing this doesn't change much for me, yes, I have more taxable income; but I am still in the 25% tax bracket and like I said, I don'...
by ieee488
Fri Jan 02, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investment plan input needed (including annuity)
Replies: 19
Views: 1070

Re: Deutsche Bank or Online Broker

hummv33 wrote: I have an account with Deutsche Bank that was created for me when I was a child.

What exactly is in this account? Get a statement. Don't take the broker's word for anything.
by ieee488
Fri Jan 02, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deutsche Bank or Online Broker
Replies: 4
Views: 495

Re: Input needed on my retirement investment plans

My plan. Stop my 10% contribution to my 401k and set up my own Roth IRA instead (an S&P index mutual fund). Costs are lower and I have more flexibility this way. Doing this doesn't change much for me, yes, I have more taxable income; but I am still in the 25% tax bracket and like I said, I don'...
by ieee488
Fri Jan 02, 2015 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investment plan input needed (including annuity)
Replies: 19
Views: 1070

Re: help with my 401k

Please revise your post to follow the format described in Asking Portfolio Questions
by ieee488
Fri Jan 02, 2015 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with my 401k
Replies: 3
Views: 321

Re: 401k vs IRA with Index Fund

I've got a 401k through my employer currently at $14,000. I'm thinking about doing a rollover into my Schwab account and starting an IRA for $10,000.00. Would it be smart to invest it all in Schwab's S&P 500 index fund? My current return on my 401k is a whopping 2% :/. I'm a bit nervous since t...
by ieee488
Fri Jan 02, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k vs IRA with Index Fund
Replies: 2
Views: 500

Re: IRA rollover

kathy24 wrote:I have about 60K in contrafund in my old fidelity 403b Not sure what my options are.

You can simply rollover the 403(b) to one of Fidelity's Spartan index funds.
by ieee488
Thu Jan 01, 2015 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA rollover
Replies: 7
Views: 264

Re: IRA rollover

kathy24 wrote:It won't be a backdoor roth. It involves moving from fidelity spartan index to a vanguard index fund and finding a fund in vanguard that is like contrafund. I don't like having my money out of the market...just don't want to make a mistake

Like Contrafund?
Why?
by ieee488
Thu Jan 01, 2015 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA rollover
Replies: 7
Views: 264

Re: IRA rollover

Are there any pitfalls to rolling over 401k to IRA when it is a large sum of money. I am worried that I won't be dollar cost averaging. Should I just plop 200k into a few funds on the same day. Statistically it makes no difference. However, if it will make you feel better, there is no reason not to...
by ieee488
Thu Jan 01, 2015 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA rollover
Replies: 7
Views: 264

Re: UMB vs HSA?

I am confused. Are you talking about your company's 401(k) custodian?

HSA usually means Health Savings Account.
by ieee488
Wed Dec 31, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: UMB vs HSA?
Replies: 7
Views: 952

Re: question about 1099 salary

dear bogleheads, I started 2 months ago working as a locum tenens physician for a locum company that placed me in a clients hospital. every week I get a paycheck deposited in my bank account without any tax deduction. while it feels nice not to have taxes taken out I understand that I will have to ...
by ieee488
Wed Dec 31, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: question about 1099 salary
Replies: 18
Views: 1305

Re: Anybody use Mediacom email with Windows Live Mail?

Do they have a webmail interface for their email service?

If so, can she try logging in that way just to make sure that her password is still valid and their service is running.
by ieee488
Wed Dec 31, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Anybody use Mediacom email with Windows Live Mail?
Replies: 1
Views: 355

Re: Best use of amex rewards points for gift cards?

Can you do a use points at Amazon?
by ieee488
Tue Dec 30, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Best use of amex rewards points for gift cards?
Replies: 3
Views: 593

Re: Best use of amex rewards points for gift cards?

Can't you just get AE gift cards? I know it isn't great at 2 to 1.
by ieee488
Tue Dec 30, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Best use of amex rewards points for gift cards?
Replies: 3
Views: 593

Re: Protecting your Windows system from malware

Why so old of a Ubunutu version 12.04 LTS that was released in 2012? Ubunutu 14.04 LTS was released 8 months ago. 12.04 LTS will be supported for five years, until 2017. There is no urgent need to upgrade if it's doing the job. I'm "technical support" for a number of non-technical users a...
by ieee488
Tue Dec 30, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5162

Re: Boglehead WIP

EQ/Com Stck Index (.72) Russel 3000 index EQ/Core Bond Index (.72) Approximates total return performance of the Barclays Intermediate U.S. Government/Credit Index I would definitely use those as part of your asset allocation plan. For his 401(k), I am not big on anything other than Fidelity Spartan...
by ieee488
Tue Dec 30, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead WIP
Replies: 8
Views: 1196

Re: Portfolio Advice Please

Good idea to run as fast as you can from Edward Jones.

For her 401(k), the following 3 funds are worth considering.
ENS29 wrote:Funds available in her 401(k)
SPTN EXT MKT IDX ADV (FSEVX) (0.07%)
SPTN INTL Index ADV (FSIVX) (0.17%)
SPTN US Bond IDX ADV (FSITX) (0.17%)
by ieee488
Tue Dec 30, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Please
Replies: 6
Views: 877

Re: Boglehead WIP

For the 403(b), I would take a look at
EQ/Com Stck Index (.72)
EQ/Core Bond Index (.72)

Read the prospectus and see which benchmark those fund uses.
by ieee488
Tue Dec 30, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead WIP
Replies: 8
Views: 1196

Re: Dual Boot Mac Mni

Also if you want to install Windows with bootcamp (dual boot) or with virtualization, you will need a license of the windows OS (around $100). If he just wants to try the dual booting or virtualization, he can get 90 (!) days to try Windows whether 8 Enterprise or 7 Enterprise. http://www.microsoft...
by ieee488
Tue Dec 30, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1214

Re: Dual Boot Mac Mni

Rest assured the trash can now morphs into an eject button the instant you start to drag an external disk icon. For me life is good within the Apple ecosystem. If you still have access to a Windows computer why not give your Mac Mini a Windows-free trial period first? My bet is that within 30 days ...
by ieee488
Tue Dec 30, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1214

Re: Protecting your Windows system from malware

No doubt malware can infect Macs but not such a big problem like it is Windows PCs. True, but it isn't necessary to spend the $$$ for Apple products if you are willing to go Linux. I am using Ubuntu Linux 12.04 LTS extensively. The Windows 7 OS is necessary only because of the software I use in my ...
by ieee488
Tue Dec 30, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5162

Re: What did you enjoy spending money on this year?

Crimsontide wrote:a new stainless steel refrigerator (even if it is a pain in the rear to keep clean)...

I can't stand my stainless steel appliances.
It isn't really stainless steel, but crappy plastic front doors. ARGH.
by ieee488
Tue Dec 30, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5930

Re: Protecting your Windows system from malware

No doubt malware can infect Macs but not such a big problem like it is Windows PCs. True, but it isn't necessary to spend the $$$ for Apple products if you are willing to go Linux. I am using Ubuntu Linux 12.04 LTS extensively. The Windows 7 OS is necessary only because of the software I use in my ...
by ieee488
Tue Dec 30, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5162

Re: Roth IRA with Vanguard or Scottrade?

livesoft wrote:
ieee488 wrote:Where can you trade buy [investments one would want to own] for free?

Vanguard, WellsTrade, Fidelity, Schwab, TDAmeritrade for starters.

Free trade even if you don't have any money with them?
by ieee488
Mon Dec 29, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard or Scottrade?
Replies: 8
Views: 375

Re: Roth IRA with Vanguard or Scottrade?

livesoft wrote:Ditch Scottrade. They offer less than other places do. Nowadays, one should not have to pay any commissions anytime in order to do investing in low-expense-ratio, passively-managed index funds and ETF. In order words, there should be no fees to add up.

Where can you trade for free?
by ieee488
Mon Dec 29, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard or Scottrade?
Replies: 8
Views: 375

Re: Roth IRA with Vanguard or Scottrade?

I have recently graduated from college and have my first job. I want to set up a Roth IRA with an Index fund that follows the S&P 500. So I was thinking about VFINX! Is this something I want to go through Scottrade with or Vanguard? I currently have a brokerage account with Scottrade. Also is i...
by ieee488
Mon Dec 29, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard or Scottrade?
Replies: 8
Views: 375

Re: Bond/stock allocation for gun shy 54 year old investor

To me considering the Wellington for its "track record" is chasing after returns.
by ieee488
Mon Dec 29, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond/stock allocation for gun shy 54 year old investor
Replies: 17
Views: 1994

Re: Help with bond allocation

I am 39 years old who recently got a windfall out of which $100000 needs to goto bond as per my asset allocation (60/40, conservative investor). I wanted to check with experts if I should go with VBMFX or rather the intermediate or short term bond index funds given that interest rates are sure to r...
by ieee488
Mon Dec 29, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with bond allocation
Replies: 5
Views: 599

Re: Help For My 60 Year Old Mother

Definitely pull that TiRA from Merrill Lynch to Vanguard.
I would suggest Target Retirement Fund 2015 or 2020.

So, you mother will be depending on Social Security for her retirement?
$80K isn't going to generate much income in retirement.
by ieee488
Mon Dec 29, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help For My 60 Year Old Mother
Replies: 19
Views: 1778
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