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Re: Simple Camera for Travel?

I'm really into making sure you get the best picture but at the same time, I hate DSLRs. I don't want to carry around a 2 bricks while I'm on vacation. Even the compact mirrorless cameras are still 1 brick. Take a look at the Sony RX100 3, version 3 comes out in June this month. I have version 2, ch...
by moolman
Fri May 30, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Simple Camera for Travel?
Replies: 34
Views: 1536

Re: Backdoor Roth people, what does your Form 8606 look like

Thanks for the replies, yes, because I'm not converting the same year as the contribution, it's becoming a headache and not so simple. I'll reload the images for people to see for future reference but I'm going to lean toward having a basis on line 2 from line 14 of the previous year. Meaning that t...
by moolman
Mon Mar 24, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth people, what does your Form 8606 look like.
Replies: 4
Views: 541

Backdoor Roth people, what does your Form 8606 look like.

Hi, I'm reading old posts and I'm getting conflicting information. Some are saying that line 2 is a carry over from line 14 the previous year but others are saying since the amount was rolled over into a Roth, it goes to zero. I've been contributing to a tIRA for 2 years now and converting it to a R...
by moolman
Mon Mar 24, 2014 2:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth people, what does your Form 8606 look like.
Replies: 4
Views: 541

Re: How Should I Invest

Vegas---- All in on Black.
by moolman
Fri Feb 21, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Invest
Replies: 7
Views: 461

Re: Fixing excessive deferrals / overcontribution to 401k 40

I actually asked about putting a cap on for me, so that I don't go over and was told by HR and the 401k admin that they never heard of that.
by moolman
Sun Feb 09, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixing excessive deferrals / overcontribution to 401k 403b
Replies: 6
Views: 588

Re: Fixing excessive deferrals / overcontribution to 401k 40

Instruction found in TaxAct to do this, these instructions were not there last year. Glad they updated it. Corrective distributions apply to pensions, and may be distributions of excess deferrals, excess contributions or excess aggregate contributions. For information on distributions of excess cont...
by moolman
Sun Feb 09, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing excessive deferrals / overcontribution to 401k 403b
Replies: 6
Views: 588

Re: Any less expensive sources for Lipitor?

If you look on the website for Lipitor (Lipitor.com) you will see they have a program that they instituted a couple of years to compete with the generics. They will send you a prescription card that reduces your co-pay to $4 per month. I'm not sure how they work this with the insurance companies, o...
by moolman
Sun Feb 09, 2014 6:39 am
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3448

Re: Any less expensive sources for Lipitor?

...2. Pick double the dose and cut the pill in half. This will allow the same cost to allow it to last double the time period. After checking with the doctor first. Some drugs caution against pill splitting due to their internal composition. It's better to ask a pharmacist, if the pill can be split...
by moolman
Sun Feb 09, 2014 6:29 am
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3448

Re: Fixing excessive deferrals / overcontribution to 401k 40

Yes, the corrections and return of excessive money was done before 4/15. I hope this helps others in the same situation. I saw these instructions in a old post, along with other kinds of instructions, like the changing the w2 amount or just adding the extra into line 7. But after research, the "...
by moolman
Sun Feb 09, 2014 3:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing excessive deferrals / overcontribution to 401k 403b
Replies: 6
Views: 588

Re: Any less expensive sources for Lipitor?

The conversion of Lipitor(atorvastatin) is as follows: Atorvastatin 40mg = Pravastatin and Lovastatin 80mg A 20mg = P&L 40mg so on and so forth, just double the mg. Just because a drug is less mg at an equipotent dose does not mean it is stronger. If you're on atorvastatin 40mg or below, it's an...
by moolman
Sat Feb 08, 2014 5:37 am
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3448

Fixing excessive deferrals / overcontribution to 401k 403b

Hi folks, Thought I would post here how last year I fixed the excessive deferral to my 401k. And this year being the genius again, I did it again and over contributed. I did switch jobs twice and the new job made me use a percentage instead of an amount and there was a bonus at the end of the year I...
by moolman
Sat Feb 08, 2014 5:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing excessive deferrals / overcontribution to 401k 403b
Replies: 6
Views: 588

Re: 401K limitations with 2 employers in same year

The 25% can be because some plans won't let you contribute more than 25% of your paycheck toward your 401k. Some plans let you contribute all of it, my current employer has a cap of 80% for each pay period. Obviously, depending on your salary, you'll make out really fast if you put 80%.
by moolman
Wed Sep 25, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K limitations with 2 employers in same year
Replies: 8
Views: 616

Re: 401K limitations with 2 employers in same year

Wikipedia says $8150.... equally good advice as your friend's 25%. :sharebeer
by moolman
Wed Sep 25, 2013 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K limitations with 2 employers in same year
Replies: 8
Views: 616

Voluntary Short Term Disability, where's the downside?

My wife started a new job and we're in the process of picking new benefits. We plan on having a child in about a year when FMLA kicks in. We live in California and therefore contribute to the State Disability Insurance. The SDI gives her 60% of her pay if she goes on maternity leave for whatever tim...
by moolman
Fri Jul 19, 2013 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntary Short Term Disability, where's the downside?
Replies: 0
Views: 156

Re: car rental problems [in Europe]

On the topic of Amex or Visa CC insurance. There is some concensus on flyertalk that the Visa Signature converage is better and pays out easier than the Premium Amex coverage. Obviously, unless you have some super insurance, your regular auto insurance doesn't cover you in Europe. In Germany, Liabil...
by moolman
Wed Apr 10, 2013 1:53 am
 
Forum: Personal Consumer Issues
Topic: car rental problems [in Europe]
Replies: 47
Views: 2538

Re: car rental problems [in Europe]

Here's my link on flyertalk about my rental experience from Munich for a road trip we took a couple of weeks ago. http://www.flyertalk.com/forum/avis/1442836-german-rental-going-into-eastern-europe-8-euro-fee.html I'll cut and paste the bulk of it below. Unfortunately, the Dollar rental scam of not ...
by moolman
Wed Apr 10, 2013 1:26 am
 
Forum: Personal Consumer Issues
Topic: car rental problems [in Europe]
Replies: 47
Views: 2538

Re: AMEX Premium car rental insurance. Worth getting?

It does say in the fine print that AMEX Premium is always primary. AMEX regular and Visa car rental insurance is secondary if you have a primary. If you don't have a primary, then AMEX regular and Visa become primary. I guess I'll just answer my own question, it seems overseas, AMEX Premium is a was...
by moolman
Mon Feb 25, 2013 8:36 pm
 
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 8544

Re: AMEX Premium car rental insurance. Worth getting?

I suggest you call your insurance company, AMEX, and also whatever card you are contemplating using to be sure what your options are. You might also check with the car rental company ahead of time. In my experience, if you refuse coverage from the rental company for an overseas rental, they will de...
by moolman
Mon Feb 25, 2013 7:56 pm
 
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 8544

Re: AMEX Premium car rental insurance. Worth getting?

I'll be renting a car in Europe and see no reason to use the AMEX premium insurance. Am I understanding this right? In the states, I always get it no matter what since it's PRIMARY insurance. I have an insured car in the US with full coverage, so if I damage the car, AMEX pays for the car, my insura...
by moolman
Mon Feb 25, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 8544

Leaving in 401k excessive contributions.

Been doing google searches and I just wanted to confirm what to do. I over contributed by $415 to my 401k because of 2 employers. The 2nd employerer was not suppose to add anything but there was a misunderstanding when I setup benefits for 2013, they started the 401k changes in the last month of 201...
by moolman
Fri Feb 08, 2013 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving in 401k excessive contributions.
Replies: 5
Views: 978

Re: Medicare Part D Question

Just because Humana/Walmart says it's not covered doesn't really mean it's not covered and you'd have to go with the more expensive plan choice. There are things such as grandfathering, coverage exceptions, tier exceptions, for you to get the drug. It depends on the drug too. I can give you the best...
by moolman
Fri Sep 07, 2012 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Question
Replies: 24
Views: 1774

Re: Medicare Part D Question

I have a lot of experience about this because of my profession. The main reason for not delaying coverage is because of the lifetime penalty that you would occur, you're monthly premium would be higher for the rest of your life for not signing up. Besides that you can find pretty cheap plans if you'...
by moolman
Fri Sep 07, 2012 3:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Question
Replies: 24
Views: 1774

Re: 5K or 3K oil change?

Anybody who really thinks that changing your oil every 3k will make your engine last longer is not being realistic. Like the previous poster suggested, go to http://www.blackstone-labs.com/gas-engine.php And request a free kit, the get your oil analyzed if you're really that worried. For reference, ...
by moolman
Fri Sep 07, 2012 1:37 am
 
Forum: Personal Consumer Issues
Topic: 5K or 3K oil change?
Replies: 91
Views: 9198

Re: Air Purifier Recommendation?

I agree about the IQair being noisy on the high setting. Air purification is a compromise, the more noise, the better it performs. If you can invent one that does both at a reasonable price, I'd buy it. I use my IQair at 2 or 3 speed which is audible but not loud enough where I can't sleep. It's lik...
by moolman
Sat Aug 25, 2012 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier Recommendation?
Replies: 21
Views: 1322

Re: Air Purifier Recommendation?

I am a air purifier fanatic. But before you plunk down big bucks for one, realize that consumer reports and others state that an air purifier is not needed, just open your windows. I like them because we don't open our windows much. I tried the whirlpool recommend by CR and thought it was average. M...
by moolman
Sat Aug 25, 2012 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier Recommendation?
Replies: 21
Views: 1322

Re: Memory Foam Mattresses?

I disagree that a less expensive memory foam compare to a Tempurpedic. I'm a cheap, frugal person. I'll research things to death before buying something. I would of loved to buy anything but a Tempurpedic to save money, it doesn't exist. There are comparable memory foam denisities to Tempurpedic you...
by moolman
Wed Aug 08, 2012 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Memory Foam Mattresses?
Replies: 17
Views: 2197

Re: Rolex ($5000 watch) [servicing] question

I bought my Omega POC 9300 because I wanted a nice mechanical watch. For a guy, it's kinda the last piece of jewelry we can wear. Women have engagment rings that they can wear, necklaces, rings, ear rings, etc. Guys, it's pretty much wedding band and watch. Just like buying a nicer car makes no sens...
by moolman
Wed Aug 08, 2012 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Rolex ($5000 watch) [servicing] question
Replies: 55
Views: 7140

Re: Another student loan vs 401k/Roth question.

Put the money in whenever you want, yes, if you invest it early, you're getting more time in there but maybe the stock market tanks early and you just got wiped out. Who knows, nobody knows, you just do it when you want to do it. It doesn't matter. Why not then just put in a couple of hundred over t...
by moolman
Wed Aug 08, 2012 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another student loan vs 401k/Roth question.
Replies: 16
Views: 1265

Re: Another student loan vs 401k/Roth question.

I looked into the Public Service loan forgivness, my wife works for a non-profit but she would have to work 30 hours a week and on top of that, it's only if your loans are held by Direct Loan. We're getting the 1.125% because she consolidated back in the day with another federally approved lender, b...
by moolman
Wed Aug 08, 2012 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another student loan vs 401k/Roth question.
Replies: 16
Views: 1265

Re: Memory Foam Mattresses?

My wife and I sprang for the split king, I got the Tempurpedic Allura and she got the Rhapsody. We love the beds, unfortunately, there's no cheap alternatives to those beds. The competitors can't copy the feel yet, there's a reason why Tempurpedic isn't patented, they would need to reveal the formul...
by moolman
Tue Aug 07, 2012 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Memory Foam Mattresses?
Replies: 17
Views: 2197

Re: Another student loan vs 401k/Roth question.

We're on IBR because our income jumped this year, it hasn't been this high ever. So we've been paying the minimum IBR and putting the money away, I expect out IBR payment with jump and we'd have to switch out of it next year. Miscellaneous savings is there because I didn't know what else to do with ...
by moolman
Tue Aug 07, 2012 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another student loan vs 401k/Roth question.
Replies: 16
Views: 1265

Re: Another student loan vs 401k/Roth question.

All the school loans are fixed loans. Right now, I'm at the crossroads of what to do. I've been as of now, maxing out both our 401ks, backdoor Roths, so putting into retirement accounts $44K a year. The rest of our money is being saved, maybe to buy a house but a house isn't important to us at the m...
by moolman
Tue Aug 07, 2012 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another student loan vs 401k/Roth question.
Replies: 16
Views: 1265

Another student loan vs 401k/Roth question.

Well, after years of school and changes in careers and tons of student loan debt. My wife and I are both fully employed and ready to go. We're in our low 30's. Income is right now about 250k/year combined before taxes, we live in CA, it will drop down to 180k/year when we start to have kids next yea...
by moolman
Tue Aug 07, 2012 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another student loan vs 401k/Roth question.
Replies: 16
Views: 1265

Re: Rolex ($5000 watch) question

We're all taking about mechanical watches right, not quartz. If your watch needs batteries, you never need to service it until it breaks if ever. You may be right about Rolex having a flat fee, in that case I would take it into a watchmaker and he can fix it for much less.
by moolman
Tue Aug 07, 2012 10:56 am
 
Forum: Personal Consumer Issues
Topic: Rolex ($5000 watch) [servicing] question
Replies: 55
Views: 7140

Re: Rolex ($5000 watch) question

Head over to watchuseek.com the watch equivalent of bogleheads.. Haha.. I recently bought an Omega planet ocean chrono 9300, a fine mechanical watch that I plan to keep forever. All mechanical watches need to be serviced at least every 4-5 years. If your watch was consistent and all of a sudden star...
by moolman
Tue Aug 07, 2012 2:18 am
 
Forum: Personal Consumer Issues
Topic: Rolex ($5000 watch) [servicing] question
Replies: 55
Views: 7140

Re: Using VOIP (internet phone)? Which One?

Sorry for the quick tongue in cheek reponse for Obitalk...haha.. So if you're having voice quality issues with say Obitalk or any other service, most likely you're going to have issues with all of them. If not, it's because usually the QoS settings is not setup correctly, especially if you have a ve...
by moolman
Thu Jul 26, 2012 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Using VOIP (internet phone)? Which One?
Replies: 63
Views: 5396

Re: Using VOIP (internet phone)? Which One?

Rookies.... And your ooma crap. Google obitalk, go to amazon and order it, it works just as well as the others and there's no fee. Use google voice for the service, never look back.
by moolman
Thu Jul 26, 2012 12:32 am
 
Forum: Personal Consumer Issues
Topic: Using VOIP (internet phone)? Which One?
Replies: 63
Views: 5396

Re: Dental Office Keeps Doing Uncovered Services

I'll give better advice. I think the dentist here can chime in and say that they or their office staff are fully aware of what is and what is not covered, especially by Delta Dental. They even know how much they will get reimbursed for each procedure. Rules like how many cleanings are covered, how m...
by moolman
Sun Jul 15, 2012 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Dental Office Keeps Doing Uncovered Services
Replies: 11
Views: 1537

Re: Dental Office Keeps Doing Uncovered Services

I believe the next step is to find a new dentist. You see that Ferrari that your dentist just drove up in, that's from padding your bill and every other smuck patient there.
by moolman
Sun Jul 15, 2012 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Dental Office Keeps Doing Uncovered Services
Replies: 11
Views: 1537

Re: Warranty for 3 Yr Old Honda

If you do decide to go with the Honda warrant, get the real HondaCare warranty from an online Honda dealer, please google it. Sites like Curry Honda, Bernardi Honda etc, all see the real Honda extended warranty much cheaper than your dealer. They do it on volume. I chose to buy a Honda warranty or m...
by moolman
Sun Jul 15, 2012 12:04 am
 
Forum: Personal Consumer Issues
Topic: Warranty for 3 Yr Old Honda
Replies: 15
Views: 1450

Re: When buying umbrella insurance, should I max out my auto

For the benefit of those who might have the same question, I'm posting what I found out. It's better to max out the auto especially since it becomes the same price. It allows you to get higher uninsured motorist. It also, in the event that you're umbrella and auto is not the same company, means you ...
by moolman
Tue Jun 26, 2012 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: When buying umbrella insurance, should I max out my auto?
Replies: 4
Views: 906

When buying umbrella insurance, should I max out my auto?

Finally finished school and in the real world, getting paid money. Already bought $1 million in professional liability insurance. I just switched to Geico, they had the cheapest rate by far. Been with Wawanessa for the last 2 years but they raised their rates again. This is my second time with Wawan...
by moolman
Tue Jun 26, 2012 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: When buying umbrella insurance, should I max out my auto?
Replies: 4
Views: 906

Re: How does selling stocks work?

I really haven't thought of the Walmart stock as part of our overall portfolio. It was pretty much an unexpected gift from Walmart. From previous advice from this board, my overall savings is a bit over 100K in 401ks and Roths. I'm about to put in 10K into our Roths and planned on rebalancing at tha...
by moolman
Wed Jan 25, 2012 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does selling stocks work?
Replies: 6
Views: 622

Re: How does selling stocks work?

Thank you very much for the tax advice. I wasn't even thinking about it. Some of the stock grants were given on October 2011, so I have to sell after 1 year to get taxed at 15%. Our AGI should be above 100K this year. It's not much money, I just checked and today the stocks are worth a hair under $5...
by moolman
Wed Jan 25, 2012 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does selling stocks work?
Replies: 6
Views: 622

How does selling stocks work?

I've never bought individual stocks before and only invested in a 401k or Roth in mutal funds, so this is a pretty basic question which I would like advice on. Many moons ago, my wife worked for Walmart. They granted her free stock grants. We were getting some small dividends for the past couple of ...
by moolman
Wed Jan 25, 2012 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does selling stocks work?
Replies: 6
Views: 622

Re: HSA- I know revisiting a horse thats already played out

Well, now that the thread has gone into where to put a HSA into. Where's the latest and greatest place to put in a HSA if you want to invest it? I moved my HSA into hsabank.com which lets you use TD Ameritrade to invest in Vanguard funds. But those bastards used to charge $2.25 a month fee which you...
by moolman
Fri Jan 20, 2012 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA- I know revisiting a horse thats already played out
Replies: 26
Views: 1409

Re: Age 35..need help with allocation

Let me see if I understand your question... you want our advice about your asset allocation, but you don't want small caps, mid caps, more total stock market, international, and you want a more aggressive allocation with minimal bond exposure, but you don't want total bonds. :roll: With all of thos...
by moolman
Fri Jan 20, 2012 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Age 35..need help with allocation
Replies: 12
Views: 1007

There has been a change in laws to allow pharmacists to give shots but it's still under protocol with a MD. Which basically means that the MD is authorizing the pharmacist to give the shot, kinda like a contract. Which also means the MD gets a cut of the fees from the shot. This may change in the ne...
by moolman
Mon Sep 19, 2011 1:06 pm
 
Forum: Personal Consumer Issues
Topic: They offer flu shots at grocery stores?!
Replies: 32
Views: 2430

It's done by the pharmacist at the market. When I was in pharmacy school, they had us train to do it and get certified. The certification is a bit overkill since it requires you to memorize all the immunization schedules and other not much used info but let's face it, it's not the most difficult thi...
by moolman
Sun Sep 18, 2011 11:58 pm
 
Forum: Personal Consumer Issues
Topic: They offer flu shots at grocery stores?!
Replies: 32
Views: 2430

I'm a pharmacist and I had high tryglycerides and took Lovaza for a bit. Fish oil has many benefits in general besides the cholesterol stuff so take it for that. Lowers TG ~50%, Increases HDL 9%, can raise LDL so becareful. The OTC version of Lovaza is triple strength fish oil, the Costco/Sam's Club...
by moolman
Fri Sep 09, 2011 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Do you take a fish oil/omega 3 supplement?
Replies: 191
Views: 16290
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