Search found 32531 matches

Return to advanced search

Re: How does car trade-in work?

If it is CPO, then I wouldn't worry about it. Folks still do change their own oil.
by livesoft
Fri Aug 01, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 66
Views: 3656

Re: Changing Funds in Taxable Account

That is also called an "exchange" and is done the same way on the Vanguard web site.
by livesoft
Fri Aug 01, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing Funds in Taxable Account
Replies: 5
Views: 224

Re: Power vent water heater noise

I suppose you have already dismissed getting a short-squat water heater? I know when I replaced the water heaters in our attic that I did not use the same height as the originals.
by livesoft
Fri Aug 01, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 7
Views: 253

Re: HSA Strategy for high income earners

Makes sense to me. I am doing the same, but I expect that I will have enough medical expenses in the future, so I am not too worried about keeping small receipts for now.
by livesoft
Fri Aug 01, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 6
Views: 462

Re: Confused about HSA

You NEED the HSA in order to get the $1,000 to $2,500* that your employer puts into your HSA for free. Your employer probably already signed you up for an HSA. You probably already have an HSA. That's why you need to go talk to them. You can ask them: 1. Did you sign me up for an HSA? 2. If not, why...
by livesoft
Fri Aug 01, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 432

Re: Confused about HSA

Wow. You are confused. I suggest you make an appointment with someone in HR and sit down with them for at least 30 minutes asking questions.
by livesoft
Fri Aug 01, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 432

Re: Confused about HSA

So you already have an HSA and the decision was already made for you. Have you logged in to your HSA? You should figure out how much you can contribute to max it out. What happens when you have to pay a healthcare expense? Do you pay from your HSA? If not, why not? Did your company explain the HSA t...
by livesoft
Fri Aug 01, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 432

Re: Confused about HSA

If you have an HDHP, then you need an HSA.
If you do not have an HDHP, then you cannot have an HSA.

So tell us about that employer health insurance plan. Is it an HDHP?

Hope that helps.
by livesoft
Fri Aug 01, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 432

Re: Tax-Efficient Account for Retirement

VTSAX, VTIAX, and tax-exempt bond fund.
by livesoft
Fri Aug 01, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Account for Retirement
Replies: 7
Views: 743

Re: Clean investing in a single stock

The dividends can go automatically into the money market fund or other cash sweep account associated with the Roth brokerage account. If you took the dividends out of the Roth account, then that would be considered a withdrawal. A big problem with the Roth idea is that if the stock goes down in valu...
by livesoft
Fri Aug 01, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 16
Views: 1019

Re: ESA vs. 529 College Savings Plan

Maybe the OP is thinking of a UTMA or UGMA where A is account? I think all things are to be avoided except for a 529 plan for college education in this case. It is probably best to just put her in your will in case you die, but to otherwise just give her the money in 17 to 20 years that you have sav...
by livesoft
Fri Aug 01, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: ESA vs. 529 College Savings Plan
Replies: 2
Views: 265

Re: The hare gets rich while you don't

The piece was edited to have Buffett's name spelled correctly, so now I can read it. Whoops! Not in every instance. The editor still has some work to do.
by livesoft
Fri Aug 01, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: The hare gets rich while you don't
Replies: 3
Views: 888

Re: The hare gets rich while you don't

In this day and age, there is no reason to get Warren Buffett's name spelled wrong. I stopped reading as soon as I saw that mistake because it means everything else the writer has to say probably has lots of mistakes, too. The piece was edited to have Buffett's name spelled correctly, so now I ...
by livesoft
Fri Aug 01, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: The hare gets rich while you don't
Replies: 3
Views: 888

Re: How to stop collection for an invalid debt

I think phone calls don't do it as far as the Fair Credit Reporting Act goes. You have to send written requests probably return-receipt requested or whatever it is.
by livesoft
Fri Aug 01, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 14
Views: 895

Re: Dividend Strategy Ain't For Everyone

I read other blogs that state that the dividend income strategy is flawed and that a lot of people are fooled into thinking it is good. I do not use it and I don't think anyone else should use it either --- even if they get to step 3.
by livesoft
Fri Aug 01, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 31
Views: 1691

Re: Roth 401k rollover details

I have two more questions now. a) My wife just got a relatively huge unexpected windfall. (25% of her annual income due to back pay she didn't know she was owed for a raise she got but they never got it right in their system). Is there any problem with me rolling over my Roth 401(k) to a Roth IRA i...
by livesoft
Fri Aug 01, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 35
Views: 3049

Re: First rebalance, new asset allocation and circumstances

Yesterday might have been a BD, but it wasn't an RBD, so please don't call it that. Otherwise people will start thinking and calling any ol' BD an RBD which diminishes what an RBD really is. Thanks. :)
by livesoft
Fri Aug 01, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: First rebalance, new asset allocation and circumstances
Replies: 9
Views: 686

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

off-topic, but livesoft, how do you program the f4 key to do that...very cool! The stock quote app is a Dashboard widget. On older Macs, the dashboard was launched with the F4 key. On newer Macs, the Dashboard is launched in other ways, although the F4 key can be programmed to launch the Dashboard ...
by livesoft
Fri Aug 01, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: How does car trade-in work?

Wife did not care for the parchment/beige interior since we'll be using this to haul plants and mulches. A dark interior is the worst in Texas summer's. I prefer a very light-colored interior myself even when I lived in NY. It is better to be too cold in the winter than burn your thighs on the seat...
by livesoft
Fri Aug 01, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 66
Views: 3656

Re: credit card 0% teasing rate question

Nothing happens because your daughter does not have access to your Barclay's Arrival card. You have to ask her what her credit card policy is towards a cash advance.
by livesoft
Fri Aug 01, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: credit card 0% teasing rate question
Replies: 8
Views: 397

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

The RBD concept = buying on the dips. It has no basis in mathematical reality and is one of many schemes that seeks to out think the market. It typically fails. The RBD concept is not merely buying on the dips. The RBD strategy does have some basis in investor behavior and in change-of-momentum. Al...
by livesoft
Fri Aug 01, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: Assistance Requested! First Time to US + NYC/DC

Previous visit NYC thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=102802&newpost=1491553 Last time I was there I went to "The Daily Show". Time before "The Colbert Report". Maybe that dates me. What TV shows are being taped in NYC nowadays? A problem for the...
by livesoft
Fri Aug 01, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: Assistance Requested! First Time to US + NYC/DC
Replies: 13
Views: 553

Re: Is your portfolio coronal mass ejection proof?

I would just make sure that I was not flying when something like that happened.
by livesoft
Thu Jul 31, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Is your portfolio coronal mass ejection proof?
Replies: 3
Views: 551

Re: First Time to US + NYC/DC

He should do the well-known obvious attractions (i.e. the Lonely Planet basics).

He certainly cannot eat at all the great restaurants in those days.
by livesoft
Thu Jul 31, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Assistance Requested! First Time to US + NYC/DC
Replies: 13
Views: 553

Re: RBD here yet? (DOW -300points drop)

But, but, but … you know this forum doesn't advocate market timing even if it resulted in a 20% gain in VWO since that last RBD on Feb 3rd.
by livesoft
Thu Jul 31, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: Using taxable as emergency fund - impact to allocation

I also wouldn't worry about the 5%-10% perceived difference in asset allocation by labeling part of your emergency fund "portfolio".
by livesoft
Thu Jul 31, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using taxable as emergency fund - impact to allocation
Replies: 5
Views: 564

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

OK, suppose that a non-spouse beneficiary of a 401(k) does nothing for 4 years after inheriting the 401(k). Then they wake up and think, "OMG, if I don't rollover to an inherited IRA, I will have to withdraw the whole kit-and-kaboodle next year and pay a lot of tax." So they rollover to an...
by livesoft
Thu Jul 31, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 20
Views: 1827

Re: RBD here yet? (DOW -300points drop)

DennisTheMenace wrote:I'll bite, what exactly does "RDB" stand for? I searched all over and didn't find an explanation that fit the context.

I don't know what RDB stands for, but it turns out that RBD is found in the Bogleheads wiki glossary in the abbreviations and acronyms link there.
by livesoft
Thu Jul 31, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: New smartphone - questions from a nervous upgrader

Contracts are generally terrible. You can't bring your own device into the plan - you have to buy a phone at usurious, invisible rates on an installment plan from the carrier. What's worse, the installment payments never end, because they're baked (again, invisibly) into your monthly service fee, s...
by livesoft
Thu Jul 31, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 39
Views: 2393

Re: RBD here yet? (DOW -300points drop)

^Those Mondays were both bona fide RBDs.
by livesoft
Thu Jul 31, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: Kroger for Gasoline

cheese_breath wrote:roger has been doing this for over two years.

I do use Kroger reward points when I buy gas. That was not my point.
by livesoft
Thu Jul 31, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 1890

Re: Great Cliff Asness Primer on Quant Investing

Thanks for linking the video. His presentation was a bit diffuse, scatter-brained, and probably not worth anyone's time. The positive is that I know more about him than I did before watching the video.
by livesoft
Thu Jul 31, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Great Cliff Asness Primer on Quant Investing
Replies: 4
Views: 608

Re: Tracking Credit Score

I think the only general Boglehead rule of thumb is to never ever pay for your credit score. A close second might be, never worry about your credit score. I signed up at creditkarma.com years ago. It's free, relatively benign, and relatively useless. Indeed, the only use I get out of it is to respon...
by livesoft
Thu Jul 31, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 956

Re: Upcoming Redundancy - What to do ahead of time?

A very useful discussion occurred back in April, here's the link:
viewtopic.php?f=2&t=136470

I was made redundant, but made sure I bought a luxury SUV with a loan once I heard the news. At the time, I was still able to say I was employed.
by livesoft
Thu Jul 31, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upcoming Redundancy - What to do ahead of time?
Replies: 3
Views: 542

Re: RBD here yet? (DOW -300points drop)

If the drop continues tomorrow, we could see some buying opportunities, yes... I would say that if we have 5 days in a row like today, none of them would be RBDs. That does not mean that after 5 days of such there would not be some rebalancing opportunities. Here is a list of ETFs that I have progr...
by livesoft
Thu Jul 31, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: RBD here yet? (DOW -300points drop)

Thanks for asking. I noted some headlines with "worst day" in the title, but I don't see any drops in the ETFs I follow of more than 2.5% yet, so not an RBD.
by livesoft
Thu Jul 31, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 43
Views: 4039

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

Since inherited IRAs also have a 5-year rule (if RMDs are not started in time, then no stretching and all assets should be withdrawn in 5-years), it appears that there is really no difference anymore between a 401(k) and an IRA with respect to non-spouse beneficiary … as long as beneficiary rolls ov...
by livesoft
Thu Jul 31, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 20
Views: 1827

Re: New smartphone - questions from a nervous upgrader

I was a Samsung user, however I just switched over to iPhone. The new Samsung is too big for me to keep in my pocket and that before you put a case on it. I'm looking to carry a smartphone with me, not a small tablet. My car has a spot for an iPhone, but the Galaxy won't fit. So I guess I need to b...
by livesoft
Thu Jul 31, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 39
Views: 2393

Re: Misleading information on tax loss harvesting wiki artic

As an additional OMG if you exchange shares between two share classes it is not a taxable event at least at Vanguard, but if you sell one and buy the other is it now a taxable event and therefore subject to wash sale rule even if not broker reportable? :annoyed I would be careful with using the wor...
by livesoft
Thu Jul 31, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1349

Re: New smartphone - questions from a nervous upgrader

Pay off $650 phone over 2 years, no downpayment, so about $28 a month. We have a family plan where we share minutes and data, about $45 a phone a month.
by livesoft
Wed Jul 30, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 39
Views: 2393

Re: New smartphone - questions from a nervous upgrader

You are in luck. I just had my spouse buy herself and me Samsung S5 phones while my son got an iPhone 5s. If you buy from the phone company, there is no way to get a good price, so just pay your money. Some folks do want the latest and greatest and do not want to be locked into a plan which is why t...
by livesoft
Wed Jul 30, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 39
Views: 2393

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

Alright, so the bottom line is that there are probably some 401(k) plans that have not been updated and probably still have a 5-year rule for non-spouse beneficiaries? Is that a likely to be correct statement?
by livesoft
Wed Jul 30, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 20
Views: 1827

Re: Question about HSA and FSA

I agree with archbish- tread carefully here. My employer adopted a "no FSA in the family" rule for those of us on HSAs (except limited purpose FSA) even if your spouse isn't on your plan. IRS rules are very unclear, so to be safe, the rule my employer adopted is a no-go. My employer did a...
by livesoft
Wed Jul 30, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 508

Re: How does car trade-in work?

I sent you a pm. As for "commands a higher list price", that's silly. People may pay that, but it doesn't mean you have to.
by livesoft
Wed Jul 30, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 66
Views: 3656

Re: Wise to split $$ between Vanguard and advisor?

dumb question: by fee only do you mean hourly? Not necessarily. I looked at 3 web sites that resulted from my search. Only one offered a la carte hourly services. The other two clearly were gathering assets and didn't mention fees (other than to say they were low), so I assume they were assets unde...
by livesoft
Wed Jul 30, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2227

Re: How does car trade-in work?

When I was looking for an RX350, I set a very wide search radius --- 250 miles. Our local prices were inflated, so I used the knowledge of lower prices elsewhere when negotiating. I had a trip plan to a city 3 hours away for other reasons, so I looked online for what was available there, too. I used...
by livesoft
Wed Jul 30, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 66
Views: 3656

Re: Wise to split $$ between Vanguard and advisor?

This is a tough situation: How to find a legitimate fee-only financial planner. Unfortunately, it will take some work. You will have to ask your friends, neighbors, business owners, people like you for recommendations for planners to interview. I would bet that very few would have chosen a fee-only ...
by livesoft
Wed Jul 30, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2227

Re: Dumb 3rd grade math question about beach house rental

We just all rent condos at the same site. Then we kick our kids out and they have to go sleep with their friends in another condo. Works great! Highly recommended!
by livesoft
Wed Jul 30, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4763

Re: Surge protectors

If InvestorNewb doesn't come back and post, can we assume that he has electrocuted himself?
by livesoft
Wed Jul 30, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 2914
Next

Return to advanced search