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Re: Do I take the separation package offer?

Vinny: Hey, Vincent LaGuardia Gambini-- Lisa: His name's J.T. Vinny: J.T., I believe you and Lisa played a game of pool for two hundred dollars, which she won; I'm here to collect. J.T.: How 'bout if I just kick your ass? Vinny: Oh, a counteroffer. That's what we lawyers, I'm a lawyer, call that a ...
by porcupine
Tue Apr 08, 2014 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4465

Re: Tax question about exceeding 401K contribution

A possibility : 1099-R is issued for year of receipt which makes sense and is what Fidelity did ; and so file an amended return for '12 & a '13 return reflecting the K correction - that's how I would handle it - wouldn't assume Fidelity is wrong - this is the stuff they do well and they do it o...
by porcupine
Fri Mar 21, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question about exceeding 401K contribution
Replies: 5
Views: 285

Re: What premium items are least worth it?

Gnirk wrote:
Ged wrote:Jewelry.


Hmmm…are you related to my husband? :shock:

Relatively or literally? ;-)

- Porcupine
by porcupine
Sun Mar 16, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5636

Re: Another one of those 'should I sell my condo?' threads

Felllow bogleheads, here's the scoop. I saw a 1 bedroom condo in my complex listed at more than I paid for my 2 bedroom property. The price it is listed at, which says pending sale, seemed like a crazy stupid high number to me - and If that is a valid number, my 2bedroom is worth a lot more than I ...
by porcupine
Fri Mar 14, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another one of those 'should I sell my condo?' threads
Replies: 8
Views: 574

Re: Did you retire in your 30s?

Stonebr wrote:
Videogames wrote:Favorite seen in office space when they said if you had a million dollars what would you do? Nothing. Lol
Nothing = whatever I feel like that day.


[OT comment removed by admin LadyGeek]

[Reply to OT comment removed by admin LadyGeek]

- Porcupine
by porcupine
Thu Mar 13, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5300

Re: Did you retire in your 30s?

32 my in laws can't stand it. They think work is some how good for you and getting up everyday at 6 am sitting in traffic is the way to go. People also ask me what I do. I'll say from now on I'm not working. That'll kill that conversation and lead to something more stimulating. Favorite seen in off...
by porcupine
Thu Mar 13, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5300

Re: Having problem with Vanguard ... reverting 401(k) contri

tfb: Thanks for the response! My wife changed jobs in 2013. Later in the year, her new company split. As a result, she ended up with three W2s for the year. The 401(k) custodian from her first job was not Vanguard; however, Vanguard does administer her plan in her new company (both before and after ...
by porcupine
Sat Mar 08, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having problem with Vanguard ... reverting 401(k) contribs
Replies: 3
Views: 403

Re: Questions about a Lingering Divorce

Are both parents open to the idea of selling the house? I agree with Michael Scott's suggestion to tread carefully. Even though you would be helping, you'd be the messenger of an unfortunate reality in your parents' situation: they may not be able to keep their current home. +1. OP: Is there any wa...
by porcupine
Sat Mar 08, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about a Lingering Divorce
Replies: 28
Views: 1595

Re: Went back to TaxACT, OK but a few problems

David:

The last few years - and I plan to this year as well - I ran all the numbers through TaxAct, but then hand-filled the appropriate forms then mailed them. A bit more work, but that might work for you ...

- Porcupine
by porcupine
Tue Mar 04, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Went back to TaxACT, OK but a few problems
Replies: 5
Views: 638

Re: [POLL] What do Bogleheads DRINK?

What is "regularly"? I checked off the box for wine because I think I drink it regularly - maybe every couple of weeks. But it's actually a bit irregular, and not frequent. Maybe you meant daily, so maybe I shouldn't have checked that box. My daily drinks are coffee, water, and tea. Anywa...
by porcupine
Tue Mar 04, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3750

Re: Experiences with Eli Lilly Credit Union for HSA?

I was turned down! :annoyed They were nice during the sign up process but once I was rejected they treated me like I had leprosy. I jumped through every hoop they requested which seemed to revolve around identification. My drivers licence doesn't match my current address but it's been like that for...
by porcupine
Sun Mar 02, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 53
Views: 3503

Re: Best practice for laptop battery life

[...] To never allow it to fully discharge, and try not to let it go below 10%. To only recharge when it <35%. No complaints here. And to not keep it plugged in, unless I was engaged in an energy-draining task. Again, using the battery is what kills the battery. When you are not plugged in, you are...
by porcupine
Sat Mar 01, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Best practice for laptop battery life
Replies: 12
Views: 1173

Re: Billing for annual physicals

It seems, from posts here, as well as my experience, that there are widely different situations experienced and practiced. That goes without saying, though it does appear that enough folks are dinged - more than I had originally assumed when I made my OP. Last year (Kaiser Medicare) at my annual &q...
by porcupine
Wed Feb 26, 2014 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Help with Mortgage-speak!

Hi, I am trying to explain something to my loan servicer, but I am having a hard time getting my question across or really understanding whether he is answering me. Hopefully someone here can give me the correct terms to use to communicate with him properly. Background: We have already closed on ou...
by porcupine
Wed Feb 26, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Mortgage-speak!
Replies: 27
Views: 1469

Re: Billing for annual physicals

Doctors shouldn't accept insurance or do physicals if they don't think they make enough money. If I schedule an annual physical and the doctor believes we are covering something beyond the scope of the initial visit then the Doctor has the responsibility to inform the patient (and tell me how much ...
by porcupine
Tue Feb 25, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Does anyone not take depreication on rental?

Taking depreciation is a form of tax deferral. If a 401k makes sense, so does depreciation. That's not really true. You are forced to take yearly depreciation. If your cash flow is near even, you wouldn't really benefit as there is no deferral. The depreciation recapture rate is 25 percent. However...
by porcupine
Tue Feb 25, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone not take depreication on rental?
Replies: 11
Views: 663

Re: Data security (removing old TaxAct files)

Thanks to everyone for your responses - they were very helpful, though in the end, I just went ahead and performed a wipe using ccleaner. I'm in IT, so let me suggest an alternative view of the issue: You're focusing on the wrong problem. If you're taking your computer to someone you do not trust, y...
by porcupine
Tue Feb 25, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 578

Re: Billing for annual physicals

There are two reasons why I have not responded to the responses on this thread: - I have a lot to write - I don't have the time to sit and write it all at one sitting :-( In the meantime, let me share an article that my wife forwarded me. One thing is for sure - doctors have probably always been (fo...
by porcupine
Tue Feb 25, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: HSA vs. Regular Plan--two very good choices

The minute you leave, the HSA starts hitting you with monthly fees, if they don't already. My new employer has an HSA plan, and I talked to the former employer HSA people about moving my money to the new HSA. They got a good laugh out of that. Laugh as they wish. You can move your money to your new...
by porcupine
Mon Feb 24, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1135

Re: HSA vs. Regular Plan--two very good choices

The generous employer subsidy justifies the HSA. Usually, the worst case for a high-deductible plan is if you use the entire deductible, as the high-deductible plan is likely to cost less than the conventional plan once the deductibles have been met. In your situation, if you use the whole $3000 de...
by porcupine
Mon Feb 24, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1135

Re: Data security (removing old TaxAct files)

I have been using TaxAct for the last few years (a satisfied customer). My laptop has now become a bit ancient and I need to get it cleaned and overhauled (I am not too good with that sort of a thing, especially with a laptop). WIth that in mind, I need to clean out my TaxAct data that is lying in i...
by porcupine
Thu Feb 20, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 578

Re: People Search - paying for data?

Based on the responses you've received, I suggest a small change to your signature. Current version: An elephant for a dime is only a good deal if you need an elephant and have a dime. Revised version: An elephant for a dime is only a good deal if you need an elephant and have a dime, and no one els...
by porcupine
Fri Feb 14, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1617

Re: People Search - paying for data?

I have a close friend who used an online service (not sure which one) to find a long lost sibling. He paid ~$20 for the contact info and was given an address and phone number. Both were correct and he was able to get in contact. If you Google the name of the site you are considering using you may f...
by porcupine
Fri Feb 14, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1617

Re: Vanguard snowed in.

[weather report] How the weather in Scottsdale, AZ? gkaplan now lives in Portland. He used to live in CA. Maybe he also once lived in Scottsdale, but I don't know. Then again, he has an internet connection and can look it up for you. I think nisi's got a significant portion of his assets with Schwa...
by porcupine
Thu Feb 13, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3455

Re: Billing for annual physicals

I am never asked to fill out paperwork. That sounds like a new patient. At my annual physical the doctor always asks if I have any issues. I don't remember if I have ever said I did. Sounds like you either need a new doctor or tell them of your dissatisfaction and that if they do this again you WIL...
by porcupine
Wed Feb 12, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Billing for annual physicals

There was a physician on the forum, biasion who wrote about how to increase billing simply by some of the things mentioned by the OP. http://www.bogleheads.org/forum/viewtopic.php?p=512077 (Am I weird for remembering that thread?) Wow. That is an eye-opening thread. Thanks livesoft! This is me righ...
by porcupine
Wed Feb 12, 2014 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Billing for annual physicals

We get blood drawn and lab results back BEFORE we go to physical, so that we can talk about blood chemistry at the physical exam. Don't know about my wife, but I asked - and was told that I would get the blood work paperwork at the physical. Next time, I will insist on getting the paperwork for the...
by porcupine
Wed Feb 12, 2014 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Billing for annual physicals

We get blood drawn and lab results back BEFORE we go to physical, so that we can talk about blood chemistry at the physical exam. Don't know about my wife, but I asked - and was told that I would get the blood work paperwork at the physical. Next time, I will insist on getting the paperwork for the...
by porcupine
Tue Feb 11, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Billing for annual physicals

My understanding is that an annual physical is a free visit to the doctor. However, my wife and I have both had issues with how we are being (over?) billed by our primary doctor who we've been visiting for nearly a decade now. Here is a brief summary: For the last (nearly) two years, we have been on...
by porcupine
Tue Feb 11, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Help with Wife's New 401K

Hey Everyone, My wife's company is switching 401K investment options to Blackrock and Columbia. The expense ratios are much higher than I am used to with Vanguard and Fidelity. I would love if you guys would look at the options in the attached picture and make so recommendations for asset allocatio...
by porcupine
Fri Dec 20, 2013 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wife's New 401K
Replies: 5
Views: 545

Re: Really dumb question about Expense Ratio calcs

I'm embarrassed to ask this, but I'd just like to check and see if I'm understanding my expense ratio correctly. If I have 3 funds with the following allocations and expense ratios: Vanguard Total Bond Market - 15% - (.05% ER) Vanguard Total Stock Market - 60% - (.02% ER) Vanguard Total World Stock...
by porcupine
Tue Dec 17, 2013 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Really dumb question about Expense Ratio calcs
Replies: 4
Views: 668

Re: Best free portfolio x-ray

[...] Currently though, TRP displays this message The Morningstar® Portfolio Manager tool is currently unavailable due to technical difficulties. Morningstar is committed to resolving the issues and is targeting the tool to be available before the end of December 2013. We apologize for any inconven...
by porcupine
Sun Dec 15, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Best free portfolio x-ray
Replies: 11
Views: 1256

Re: Considering a "Year Off" from retirement contributions..

Hey all, I have a lot of big decisions to make and would like to hear your points of view. I know the strict bogleheads answer would be this is not a good idea. But we don't always live our lives on paper. Let me just explain a little about my situation. This is more than I would typically share in...
by porcupine
Fri Dec 13, 2013 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 5321

Re: The Sound of Music: you won't believe this

Wasn't sure whether to start a new thread and risk it getting removed ... or use this old pre-existing thread. I chose this option. Moderators, please feel free to move to a thread of its own if it is OK. How many of you watched Sound of Music last night? Impressions? How would it compare to a Broad...
by porcupine
Fri Dec 06, 2013 9:05 am
 
Forum: Personal Consumer Issues
Topic: The Sound of Music: you won't believe this
Replies: 16
Views: 4264

Re: Google Chromecast

I have had one for a few months and it works well for netflix. I kinda wished that it would be possible to stream regular videos from your computer on your TV. I have all these home videos that I'd love to be able to broadcast via Chromecast, but cant figure out how. It would be great if they could...
by porcupine
Wed Dec 04, 2013 12:17 am
 
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 19
Views: 1876

Re: Google Chromecast

Thanks to everyone who replied. In summary, looks like I did not miss much, though I did confuse between the chromecast vs. the chromesimulcast feature. sanfran: I know I dabbled with both yesterday because at one point I know I could watch and listen both on the laptop and the TV and then later was...
by porcupine
Wed Dec 04, 2013 12:02 am
 
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 19
Views: 1876

Re: Google Chomecast

You can use it to stream Netflix and Youtube to your TV as well as the Chrome browser. I've been told that they'll be adding Hulu Plus and other content providers in the near future. Just by beaming the Chrome browser to the TV, don't I already have the ability to stream Youtube and/or Netflix (if ...
by porcupine
Tue Dec 03, 2013 1:07 am
 
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 19
Views: 1876

Google Chromecast

We are proud owners of this dongle. Other than beaming the internet to the TV via a Google Chrome browser, are there any obvious advantages to this novelty that I am missing? Granted that that alone is worth the price for me, I am just trying to learn any obvious tricks I could be missing. - Porcupine
by porcupine
Tue Dec 03, 2013 12:13 am
 
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 19
Views: 1876

Re: Pay property taxes in Dec or Jan?

[...]In January 2014 we will pay property taxes. In January 2014 we will make a large contribution to our donor-advised charitable fund. In December 2014 we will pay property taxes. In December 2014 we will make a large contribution to our donor-advised charitable fund. So in 2014 we will itemize a...
by porcupine
Sat Nov 23, 2013 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay property taxes in Dec or Jan?
Replies: 29
Views: 1384

Re: Average Yearly Raises?

[...]You know what my personal solution is to being less than thrilled with my yearly raises? Thinking about how our financial decisions have decreased my financial sensitivty to silly things like 3% versus 6% raises. Please share how you've fared! The best part is, you don't' have to post $$$ amou...
by porcupine
Sat Nov 23, 2013 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5339

Re: Average Yearly Raises?

During my last 10 years of employment I got two raises, one was a 3% and another was 2.5%. I worked in state government where the only raises given to managers were occassional cost of living raises because the state was in constant financial crisis. Front line workers fared a little better averagi...
by porcupine
Sat Nov 23, 2013 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5339

Re: TIF files vs pdf files

Folks: Nobody will make any money from this but I need to post a remarkable experience that may help some and ask a question of people who understand the innards of different file types. I will spare the reasons. But I had scanned a bunch of documents directly to pdfs and each file was about 50 MEG...
by porcupine
Sat Nov 23, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: TIF files vs pdf files
Replies: 14
Views: 954

Re: How does Football,Baseball work???

obgraham wrote:
Stick with soccer.
Great. What was the score today, Nil-Nil or One-Nil?

A one-nil in soccer-football is the same as 7-nothing in socker-football.

- Porcupine
by porcupine
Sat Nov 16, 2013 4:33 pm
 
Forum: Personal Consumer Issues
Topic: How does Football,Baseball work???
Replies: 120
Views: 5355

Re: How does Football,Baseball work???

Calm Man wrote:[...]That said, the cost of attending these games is now so sick that even though I can afford it I will not step into a stadium.[...]

stubhub - or its competitor - is your friend!

- Porcupine
by porcupine
Sat Nov 16, 2013 4:29 pm
 
Forum: Personal Consumer Issues
Topic: How does Football,Baseball work???
Replies: 120
Views: 5355

Re: Tis the Season....How about another HSA Quesion

My specific question....if you have enough in your HSA to invest outside of the savings account, but still plan to use the HSA for any medical expenses incurred - do you still invest? If so, do you keep a specific amount in the savings account portion? How about what investments? - It doesn't seem ...
by porcupine
Wed Oct 30, 2013 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tis the Season....How about another HSA Quesion
Replies: 11
Views: 946

Re: Can we afford a house?

[...]Our kids help get us from the 28% tax bracket down to the 15% and take our effective Federal tax to 5%. Without kids even maxing both 401Ks we'd still be in the 28% bracket. I am curious how you can accomplish this - would you mind sharing some numbers (doesn't have to be your actuals of cours...
by porcupine
Thu Oct 24, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford a house?
Replies: 19
Views: 2090

Re: Young Guys [and Gals] Making Good Money

[...]I have a PhD, more work experience in my field, and make only slightly more than you. Almost all of my former classmates are in the same boat. There are many reasons to pursue one, expecting a significant salary increase is not at the top of the list. Of course it greatly depends on the area o...
by porcupine
Sun Sep 29, 2013 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22499

Re: New to HSA, is it a good fit?

Generally, the HSAs are good for younger healthy people who don't use their health plan much. The deductibles are higher, and the maximum OOP tend to be higher compared to more traditional plans. You really have to do the math yourself depending on your usage. I dont think thats true. All the times...
by porcupine
Sun Sep 29, 2013 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: New to HSA, is it a good fit?
Replies: 24
Views: 2055

Re: Nothing but a mortgage. Now What?

and getting our decks in a row. I rather get my ducks in a row, but if you want to stack the deck in your favor, you can certainly get your decks in a row also. LOL. http://www.wisegeek.org/where-did-the-term-get-your-ducks-in-a-row-come-from.htm#slideshow Ducks are all fine when you are a human, b...
by porcupine
Sat Sep 14, 2013 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Nothing but a mortgage. Now What?
Replies: 8
Views: 1357
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