Search found 265 matches

by jane1
Wed Jul 29, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking guidance on how to sell my Car quickly ( in different a state)
Replies: 8
Views: 494

Re: Seeking guidance on how to sell my Car quickly ( in different a state)

I would call one of the Car Max stores in California and ask them if having an out of state car title will be a problem with a car that old. The 2016 cars will be for sale soon so I suspect that between an out of state title and the car being 14 years old that they would have little interest in it....
by jane1
Wed Jul 29, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking guidance on how to sell my Car quickly ( in different a state)
Replies: 8
Views: 494

Re: Seeking guidance on how to sell my Car quickly ( in different a state)

Post on Craigslist a few days before to see what kind of response you get. A day before you arrive in CA, if you have multiple appointments to show the car, things may move fast. Keep CarMax as a backup. Hopefully you don't have much rust since that may reduce the value. Car life and resale values a...
by jane1
Wed Jul 29, 2015 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 985

Re: How do you keep your portfolio/allocation in auto mode and in sync?

If you go with Life Strategy or Target Retirement funds, you don't have to do anything. I believe it would be tax inefficient for the portfolio based on our marginal tax rate compared to putting BND in tax-favorable, VXUS in taxable, munis in taxable, etc. And ER is also higher (0.16-0.18%) vs (0.0...
by jane1
Tue Jul 28, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 985

Re: How do you keep your portfolio/allocation in auto mode and in sync?

On the REIT thing, I would say that REITs are not so important that you need to do what you did with REITs. "Optimization" means different things to different people. I think you only need to "good enough", but maybe that's what you are trying to achieve. If you publish all your...
by jane1
Tue Jul 28, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 985

Re: How do you keep your portfolio/allocation in auto mode and in sync?

Can't reduce the number of accounts much further either.So how do you manage your portfolio on an ongoing basis to keep things simple? As livesoft and Lafder recommend, simplify the number of funds you hold. Many accounts can contain just one fund. John Bogle says there's no need for "slavish&...
by jane1
Tue Jul 28, 2015 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 985

Re: How do you keep your portfolio/allocation in auto mode and in sync?

livesoft, thanks. I must have missed that' thread. Will try it out on our accounts. Will try to see if I can get to the 1 fund per account for the smaller ones. Our largest is taxable and most tax-advantaged ones are smaller, this might be make rebalancing a little tricky? Lafder, you are right. Con...
by jane1
Tue Jul 28, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 985

How do you keep your portfolio/allocation in auto mode and in sync?

What processes do you automate or steps do you take on a weekly, monthly, quarterly, annually basis to make sure your portfolio is where you want it to be? Specifically in the accumulation phase. I can expect things can be more automated in the withdrawal phase. I have gone through a couple of portf...
by jane1
Tue Jul 28, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Slammed Closed--WHAT?!
Replies: 28
Views: 3709

Re: Backdoor Roth Slammed Closed--WHAT?!

I am reading the instructions of TSP-60 Pg 2, Section II "SECTION II. The instructions for Section II are intended for the IRA or plan representative. If you are unwilling to complete this section, submit an IRS Letter of Determination or a letter on the organization’s letterhead confirming tha...
by jane1
Mon Jul 27, 2015 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3498

Re: Geico Auto Insurance

I currently have auto, boat, life, and homeowners insurance with American Family. I have been with them for about 12 years. I currently pay about $1,635 annually for two vehicles. Got a quote for same coverage from Geico for about $730 annually. I told American Family agent about quote and he said ...
by jane1
Fri Jul 24, 2015 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy and renters insurance pre-requisite
Replies: 6
Views: 423

Re: Umbrella policy and renters insurance pre-requisite

The price is so cheap on the renters insurance I don't think you will be able to find a stand alone liability policy cheaper. Apparantly not many companies offer it, and those that do jack up the rate. A quick google search turned up an old (2011) article about it. http://www.irmi.com/expert/articl...
by jane1
Fri Jul 24, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy and renters insurance pre-requisite
Replies: 6
Views: 423

Re: Umbrella policy and renters insurance pre-requisite

cadreamer2015 wrote:Can you just choose a bigger deductible - say $5,000? Wouldn't that cut the cost of personal property insurance significantly?


Minimum is still about $150 per year. I had tried changing to $5000 property (minimum) with $5000 deductible, so essentially zero coverage but the premium doesn't go down.
by jane1
Fri Jul 24, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy and renters insurance pre-requisite
Replies: 6
Views: 423

Umbrella policy and renters insurance pre-requisite

As far as I know all umbrella policies have a pre-requisite of a renters/homeowners insurance policy with a certain minimum liability coverage. Anyone know of a renter's insurance policy that allows liability only coverage? I am happy to self-insure personal property, but it appears a majority of re...
by jane1
Wed Jul 22, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Moving to Los Angeles
Replies: 21
Views: 1982

Re: Moving to Los Angeles

You might also want to post your question and read threads on City Data website within the LA forum. Lots of good information.
by jane1
Wed Jul 22, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?
Replies: 19
Views: 2242

Re: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?

Will you be able to max your 401k as well as contribute fully to HSA? It sounds like you are in fairly good health and don't expect to see a doctor regularly. So HSA option seems would be better. Search for an Excel calculator I wrote and posted a link on this forum to compare your health insurance ...
by jane1
Tue Jul 21, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Wedding north of San Francisco
Replies: 13
Views: 1011

Re: Wedding north of San Francisco

You can take public transportation. There is a direct bus (Bus 27) from San Rafael to Fisherman's Wharf. Use Google Maps (public transportation option) to find routes and timings between your hotel and destination. You can also check future bus schedules on Google Maps. For instance for a Saturday 9...
by jane1
Mon Jul 20, 2015 10:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4871

Re: livesoft surpasses 40,000 posts!

jhawktx wrote:If my math is correct, that is like an average of 8 posts per day for 3.5 years. Interesting.


Check your math. Or was this some internal thing I missed?
by jane1
Mon Jul 20, 2015 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4871

Re: livesoft surpasses 40,000 posts!

Wow. That is about 13 posts per day average (since joining in March 2007).
I have learnt a lot from livesoft. Thank you.
by jane1
Mon Jul 20, 2015 1:34 am
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1475

Re: Car Questions

Option 5 seems the most reasonable until cash flow improves. Is leasing a new car for 24-36 months an option you have considered? There are lot of decent leases out there with very low first payment and about $200 per month if you have good credit. Might not get you the perfect car but it is tempora...
by jane1
Mon Jul 20, 2015 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Getting Taxed twice by states - please help
Replies: 12
Views: 1540

Re: Getting Taxed twice by states - please help

Have you tried sending VA a copy of your state tax returns filed with NY and AZ with a letter explaining that you lived and worked in these states and didn't have a residence in VA but were using VA as forwarding address since you were moving a lot? Most likely VA received copies of your 1099s and o...
by jane1
Sat Jul 18, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3292

Re: Tipping at pay-first restaurants: what would you do?

So far it appears most leave the tip line blank (or write $0 or cash) when signing the credit card receipt and then may be leave a small amount of cash.
Does the same apply when there is a electronic signature where you select on a device - No Tip, 15%, 20%, Other?
by jane1
Sat Jul 18, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3292

Tipping at pay-first restaurants: what would you do?

Yet, another tipping thread. We are finding increasing number of restaurants where you stand in line, place your order at the counter, pre-pay and take your number, pick-up your silverware, fill your water/drink and then choose your table and sit down. The waiter brings your dishes to your table and...
by jane1
Thu Jul 09, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Amex Premium Car Rental Protection--Worth it?
Replies: 20
Views: 1158

Re: Amex Premium Car Rental Protection--Worth it?

We just stick to the free coverage offered by other credit cards (MasterCard) although we have the option of AmEx coverage. In our case, if we charge rental to AmEx, it charges the $17.95 by default for the insurance. See example of the secondary coverage below. If your auto insurance does not pay t...
by jane1
Wed Jul 08, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion advice
Replies: 9
Views: 676

Re: Roth IRA conversion advice

Yes, partial conversions are okay. If you expect your tax rate to be higher in retirement than currently, then a Roth conversion makes sense. With 25-28% marginal fed rate, it may not make sense. Also be aware of state taxes. Some states tax these and others don't. So if you are in high-tax state th...
by jane1
Wed Jul 08, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand HSA-eligible criteria
Replies: 3
Views: 239

Re: Help me understand HSA-eligible criteria

Yes, you are correct.
There are benefits (other than preventative) that the HMO plan offers before the deductible is met. This makes it a non-HDHP and hence ineligible for HSA.
by jane1
Wed Jul 08, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA question
Replies: 5
Views: 377

Re: HSA and FSA question

Thanks for the information. I wasn't aware of the 500 maximum rollover in the FSA. As for the HSA I actually would like to move it to vanguard if I can. I have my IRA's there and maybe I can use that money to invest in a total stock index fund. Only thing is i don't have a HDHP anymore so I know I ...
by jane1
Wed Jul 08, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2285

Re: Is it a good idea to travel to Western Europe with kids?

Good for you for taking advantage of Spring Break! I guess I am not following that if you went to Europe you would want to do the museums/architecture etc. but if stateside it would be a hiking vacation? As jane1 points out, we actually have a lot of museums & architecture here in the USA. And ...
by jane1
Wed Jul 08, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2285

Re: Is it a good idea to travel to Western Europe with kids?

Have they been to NYC, DC recently? Did they enjoy it? Alternative to NPs could be cities here in the US. Never been to NYC. Spent a week in DC <2 years ago. They did not really like any of the Art museums, but had a good time in Air & Space (~8 hrs.), History, Newseum (also spent ~8hrs. there)...
by jane1
Wed Jul 08, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Long Term Capital Gains Question-- 15% Tax Bracket
Replies: 11
Views: 614

Re: Long Term Capital Gains Question-- 15% Tax Bracket

As others have pointed out, your capital gains get counted to determine your tax bracket. So in your example, $2500 will be taxed at 0% and $7500 at 15%. Use any tax software or the free online TaxCaster to learn and play how changing different incomes, impacts taxes. https://turbotax.intuit.com/tax...
by jane1
Wed Jul 08, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2285

Re: Is it a good idea to travel to Western Europe with kids?

Should be good for the 13 year old. Might be early for 8.5 yr one. You don't want the older kid to miss out. I believe in exposing kids to different cultures, lifestyles, history early on. If, financially, it will not be a huge burden, go for it. If this is a once in a lifetime trip, then better to ...
by jane1
Wed Jul 08, 2015 12:34 am
Forum: Personal Consumer Issues
Topic: Information re Unsafe Areas While Traveling
Replies: 11
Views: 1214

Re: Information re Unsafe Areas While Traveling

Lonely Planet guidebooks typically have a section on Dangers and Annoyances and does a fairly good job of what to expect in the region covered by the guidebook. It also has safety information sprinkled within specific chapters, towns, lodging, sights. It may go into details like 'hotels maybe cheape...
by jane1
Tue Jul 07, 2015 11:59 pm
Forum: Personal Consumer Issues
Topic: Car totaled now what?
Replies: 14
Views: 1440

Re: Car totaled now what?

Maybe sell the 4Runner and buy a fuel efficient car. With 70 miles per day driving, assuming 5 days per week and 50 weeks a year, you could save $1000-2000 per year in gas. If you are considering the used Accord for 14K, you may also consider a brand new Civic for $17-17.5K + sales taxes/fees, maybe...
by jane1
Thu Jul 02, 2015 7:40 pm
Forum: Personal Consumer Issues
Topic: Banff Canada Vacation Tips
Replies: 18
Views: 1520

Re: Banff Canada Vacation Tips

If possible, choose September-early Oct over April-May. In some places, snow is not cleared or does not melt until early June. You must have checked out the official site and such brochures http://www.pc.gc.ca/eng/pn-np/ab/banff/visit/~/media/pn-np/ab/banff/visit/brochures/2015-brochures-pdf/Publica...
by jane1
Thu Jul 02, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 34
Views: 2517

Re: Intentional 401k overcontribution to get new employer match

Thanks for the clarification. I guess I should have been able to figure that out. Her salary must be at least $170k in order for a 3% match to be worth more than $5k. Nice problem to have. Unfortunately, I have no advice regarding undoing the previous 401(k) contributions. Best of luck. CFM300, 170...
by jane1
Thu Jul 02, 2015 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 34
Views: 2517

Re: Intentional 401k overcontribution to get new employer match

Check if the new employer allows after-tax 401k contributions and you can get a match against those. These contributions do not get counted against the annual 18K limit. That has worked for us.
by jane1
Wed Jul 01, 2015 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance "birthday rule"
Replies: 35
Views: 4195

Re: Health insurance "birthday rule"

I had not heard of the Birthday Rule until now. It makes sense when insurance companies have to do coordination of benefits I.e. You are covered under multiple plans you are enrolled in. Doesn't say you have to enrol in multiple coverages that are offered. Spouse and I have had situations where we b...
by jane1
Tue Jun 30, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4403

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

Where I live, insurance companies still set their allowable/usual and customary rates for services below amounts Here is the site to look up fees for codes. http://fairhealthconsumer.org/ I was just playing around on the site and they have updated it to show more info than they used to if you selec...
by jane1
Tue Jun 30, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: My email being used on a foreign Facebook account
Replies: 23
Views: 3383

Re: My email being used on a foreign Facebook account

I also found a link at the bottom of the Facebook notification email in fine print that said "If you didn't create a Facebook account using this email address, please let us know." Clicking that link gave me the confirmation "The email you entered has been disabled by an administrator...
by jane1
Mon Jun 29, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: My email being used on a foreign Facebook account
Replies: 23
Views: 3383

Re: My email being used on a foreign Facebook account

Same thing happened to me. Still haven't resolved it. Found this link
https://www.facebook.com/help/contact/255904741169641
But it looks like they require full name, DOB, etc.

If you find a better solution let me know.
by jane1
Mon Jun 29, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4837

Re: Amazon getting too smart?

tc101 wrote:I posted a message about it on the amazon forum and now the behavior has stopped.


??
Please elaborate what you mean.
by jane1
Fri Jun 26, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5894

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Maybe they were looking for the oregano for their tomato, basil & oregano bruschettas ??? :happy They have a better chance at the bruschetta than me since I have zero ingredients! They can get Oregano from the neighbor...
by jane1
Fri Jun 26, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5894

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Dig up 2 times a day, so the plants haven't been healthy. Then they included tomato plants in their digging! Just this morning they broke 2 large tomatoes and left them half bitten. I tried spraying home-made pepper spray,...
by jane1
Fri Jun 26, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5894

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Dig up 2 times a day, so the plants haven't been healthy. Then they included tomato plants in their digging! Just this morning they broke 2 large tomatoes and left them half bitten. I tried spraying home-made pepper spray, ...
by jane1
Thu Jun 25, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24494

Re: When saving money becomes an irrational obsession

Money is like food. Most Americans overeat. Most Americans overspend. A small minority have anorexia, eating so little that it damages their health. A small minority have financial anorexia, spending so little that it seriously damages their relationships with other people and leaves them missing o...
by jane1
Tue Jun 23, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Impact on benefits if I leave the US and go to India
Replies: 11
Views: 1795

Re: Impact on benefits if I leave the US and go to India

Check out forums on r2i and scroll down to the US and India related finance forums.
http://www.r2iclubforums.com/
by jane1
Tue Jun 23, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2527

Re: Optimize trip to China

You can fly to Beijing, spent 2-3 days sightseeing (incl Great Wall). Xian (terracota warriors) can be skipped, imo, on a short trip. Based on your interests, you can do a 3-river gorges, Yangtze cruise. Or Southwest China (Guilin, Yangshuo, Lijiang, Dali, Kunming) is beautiful and is on the typical...
by jane1
Sat Jun 20, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3087

Re: San Francisco advice

Exploratorium (a definite must) Pier 39 (touristy but still lot of people-watching, outdoor performances/buskers, sea lions) & fisherman's wharf Cable car Twin Peaks (if you like vistas) Golden gate park (equivalent of Central Park in NYC, some sights, lots of green space, trails and place to es...
by jane1
Fri Jun 19, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy error on Vanguard's part
Replies: 16
Views: 3804

Re: Crazy error on Vanguard's part

AWH_CPA wrote:I'd wait a few days. Chances are it is simply a "bug" reporting a balance that isn't really there. I bet once all the trades settle in a couple days the balance will be gone.


+1
Things will likely clear up once the trade settlement process is done.
by jane1
Fri Jun 19, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 11 Million Dollar Gift
Replies: 80
Views: 12486

Re: Investing 11 Million Dollar Gift

Congratulations! Make Financial Planning your passion. Investing a few weeks/months of your time learning about passive investing, taxes, estate planning will be a huge payoff all your life. Bogleheads wiki and forum is a great place to start. The quality of knowledge and advice here is as good as i...
by jane1
Thu Jun 18, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Should I give up: Non-resident alien living in the US wants to buy MF?
Replies: 6
Views: 909

Re: Should I give up: Non-resident alien living in the US wants to buy MF?

This is my understanding & I could be completely wrong. So don't go by this alone. Use this guideline as you go through any websites or forms - As a F1 you are not a "US resident" even though you live in the US. So any broker rep that advises you that living in the US and having a US a...
by jane1
Tue Jun 16, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1536

Re: 6 Month Away Locations

Within SF Bay Area - Palo Alto, Mountain View, Cupertino for the tech vibe, meetups/events and competitive schools kids. Attend the Synopsys science fair, Tech Challenge, etc to see what middle and high-school kids do! Close to Stanford. I would have said SF too, but there are way too many homeless,...

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