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Re: Pick-Pockets

After a quick call, I put my cell phone in my backpack and started walking up a street. About five minutes later I took off my backpack and noticed that someone had unzipped it and removed my cell phone! I was shocked! I was in a downtown area in China but it wasn't terribly crowded and I hadn't bee...
by renter
Sat Feb 21, 2015 12:12 am
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5038

Re: Are banks required to deposit third party endorsed check

If it were me I'd just deposit it in the ATM.
by renter
Fri Feb 20, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2526

Re: Suze Orman: $100 into $860k, and cfiresim

You're average dude investor that's invested 100% in stocks will likely sell during a market/decline panic, and could even lose principal.
by renter
Sun Jan 18, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5185

Re: Jack Bogle and I-Bonds

I have a good chunk in I bonds, but also have a good chunk in my traditional 401k. I wonder if I'm setting myself up for a tax time bomb 30 years down the road with RMD's + 30 years of interest to pay on each maturing bond. OTOH, a tax time bomb might also mean a "good problem to have".
by renter
Tue Jan 13, 2015 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1389

Re: Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything. I've known Jack since 2000 and I've never heard him mention or discuss I Bonds. If he's been silent, can we safely infer that he's not a fan of them, or does not like them?
by renter
Tue Jan 13, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1389

Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything.
by renter
Tue Jan 13, 2015 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1389

Re: Accepting counter-offer to stay at job

All things considered, based on my intuition and the facts you've presented, I suspect taking the new job is likely the best long term move.
by renter
Mon Jan 05, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6696

Re: Aiming for $5k tax refund in I-bonds, but $800 short

Thanks for the feedback, much appreciated.
by renter
Sat Jan 03, 2015 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1077

Re: Aiming for $5k tax refund in I-bonds, but $800 short

Since I already used up all 4 vouchers for 2014, I wasn't sure if I could submit another voucher without causing confusion. I double checked TurboTax and it will let me add more than 4 estimated tax payments so all good there. I poked around online and it sounds like no problem to send a duplicate v...
by renter
Sat Jan 03, 2015 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1077

Aiming for $5k tax refund in I-bonds, but $800 short

I made estimated tax payments in 2014. With an aim to get $5k federal refund in paper I-bonds, I over-withheld $5k when I made my estimated tax payments. I now realize that I miscalculated one area of my return, and this means that I only over-withheld $4200. I still want to get the full $5k refund ...
by renter
Sat Jan 03, 2015 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1077

Re: Bogleheads 2015 Hedge Fund Contest

Fund name: Pocket Liner (Cayman) Ltd. Short AVNR Avanir Pharmaceuticals, CLASS A ESPR Esperion Therapeutic FB Facebook Long WMB WILLIAMS COMPANIES AVP Avon Products MAT Mattell A sincere thank you for your investment. Due to confidentiality rules, our fund expenses (and anything else about what we d...
by renter
Thu Jan 01, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11323

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2149.56
by renter
Thu Jan 01, 2015 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19910

Re: Contributing to regular 401k and a solo 401k in same yea

Thanks for the replies. I'll look into it more but I suspect the answer is No.
by renter
Mon Dec 15, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributing to regular 401k and a solo 401k in same year
Replies: 4
Views: 272

Contributing to regular 401k and a solo 401k in same year

I’m a partner at professional firm (a limited partnership) where I receive 2 forms of compensation – a salary of 2x minimum wage and a monthly draw that is my allocation of the partnership profits from the prior month. So each year I get a W2 for my salary income as an employee of firm, and a K1 for...
by renter
Mon Dec 15, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributing to regular 401k and a solo 401k in same year
Replies: 4
Views: 272

Re: Ex-landlord won't return deposit

I wonder, can you sell your claim to a collections agency? You won't get much for it, then let the collection agency have at it.
by renter
Mon Dec 08, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3201

Re: Apple Stores - do they try to be awful?

I have used Apple products for over 20 years. Owned every product and give them high marks. Have a substantial amount of Apple stock (only individual stock). Every time I enter the store (different cities/stores) the experience is the same. The folks that work there are arrogant, aloof, and inflexi...
by renter
Tue Nov 18, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 6301

Re: Kitchen Cabinets

We went with cliq studios, buying our cabinets on line. The quality was excellent and the price was reasonable. They'll send free samples. No sales tax. Free delivery. We had a local contractor do the installation. Just watch the upselling, and don't buy more fillers then you really need. With the $...
by renter
Mon Nov 03, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 11
Views: 1534

Re: Am I being scammed? Wolf range hood, defective delivery

Here's an update. It took the store 3 deliveries to get the order right. Right before the third delivery, the salesman from the store called, with an angry tone, and asserted there was nothing wrong with the first shipment that we had sent back. The scratch didn't exist! he said. He was acting like ...
by renter
Tue Sep 30, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1956

Re: Am I being scammed? Wolf range hood, defective delivery

They came back today but delivered the wrong model #. We'll try one more time tomorrow.
by renter
Mon Sep 22, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1956

Re: Am I being scammed? Wolf range hood, defective delivery

The store says tomorrow they'll drop off a new unit and collect the old unit. So we'll see how it goes.
by renter
Sun Sep 21, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1956

Re: Am I being scammed? Wolf range hood, defective delivery

It arrived yesterday and we opened it today.
by renter
Sat Sep 20, 2014 12:37 am
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1956

Am I being scammed? Wolf range hood, defective delivery

In a rare splerge as part of a kitchen remodel, we bought a high end stainless steal Wolf range hood from a local authorized dealer at around $4k. It arrived today. The box was enormous and in immaculate condition, and was delivered on top of a wood crate to which it was strapped. It looked very coo...
by renter
Fri Sep 19, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1956

Re: UCLA vs USC Decision [Which college to attend]

I would go with UCLA in a heartbeat. USC is in a horrible part of town and way more expensive and doubt there is any material differential in quality or reputation. If anything my sense is UCLA has the better name overall.
by renter
Fri May 16, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 4337

Re: Flexible Spending Account (FSA) - problems with FSA vend

As an update, I was informed that all my claims have suddenly been approved. The checks are 'in the mail.' :sharebeer Persistence paid off. I will never contribute to an FSA account after this experience.
by renter
Mon Mar 10, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 535

Re: Flexible Spending Account (FSA) - problems with FSA vend

"United Health Group"? Is that United HealthCare (UHC)? Before I retired, I wasted a year trying to get UHC to approve a medication which I needed, and my doctor's staff wasted a lot of time as well. UHC put me in a loop between themselves and my employer, HP, causing months of delay at e...
by renter
Wed Mar 05, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 535

Flexible Spending Account (FSA) - problems with FSA vendor

My workplace uses Insperity for employee benefits and through its vendor, United Health Care, Insperity offers a Flexible Spending Account in which I particpiate. Of 4 totally legit medical reimbursement claims I submitted, 3 got rejected on spurious grounds. I've spent over 8 hours on phone calls w...
by renter
Wed Mar 05, 2014 12:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 535

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1848. Based on my proprietary multi-factor model.
by renter
Wed Jan 01, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15887

Re: Tankless water heater - turns on even when cold water

Spoke to the plumber today. He says that our water pressure is extremely high, and fluctuates a lot. His proposed solution was to install a pressure regulator on our main line. We'll see how it goes!
by renter
Thu Apr 11, 2013 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1318

Re: Tankless water heater - turns on even when cold water

It occurs no matter water what cold line is turned on (bathroom, laundry room, kitchen, front yard, backyard). Sounds like an installation problem or a problem with the "cold water valve" that you're turning on. The unit should only turn on when a hot water valve is turned on and it senses...
by renter
Wed Apr 10, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1318

Tankless water heater - turns on even when cold water

To save space and hopefully save some $ over the long term, i installed a Takagi water heater in my house (to replace a tank unit). Works great for heating water. Curiously, the unit turns on (the fan and/or ignition, can't tell) even when I turn on just COLD water, although it doesn't heat the wate...
by renter
Wed Apr 10, 2013 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1318

Re: Solo 401k contribution question

Ok, thanks very much.
by renter
Thu Apr 04, 2013 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 657

Re: Solo 401k contribution question

All your assumptions are correct. So does this mean that it doesn't matter if they're classified as employer vs. employee contributions? I assume you aren't close to maxing the 401k limit from other employment. If you are, these contributions have to be employer contributions. I also assume these ar...
by renter
Wed Apr 03, 2013 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 657

Solo 401k contribution question

I'm making a solo 401k contribution for year 2012 involving small amount (approx. $5000). Vanguard asked me if the contribution was the employee share or the employer share. Does it make a difference how I designate it if under either scenario the total amount contributed is below the $17500 thresho...
by renter
Wed Apr 03, 2013 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 657

Re: Vanguard-impersonating scammer

It may pure luck on the scammer's part, but if you have an account at Vanguard, I would try to determine how someone could match you with the firm that holds your account. Beats me. He said it had to do with some documents I sent. I actually did send some documents last week, however it concerned m...
by renter
Thu Mar 21, 2013 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Scammer impersonating] Vanguard
Replies: 22
Views: 2121

[Scammer impersonating] Vanguard

This morning I got a telephone call from someone claiming to be a Vanguard rep, not willing to say why he was calling exactly (he said vaguely it had to do with some documents I had sent them) but said he couldn't be more specific until I gave him my security information to verify my indentity. So I...
by renter
Thu Mar 21, 2013 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Scammer impersonating] Vanguard
Replies: 22
Views: 2121

Re: I-Bond Purchase Over the Limit was Allowed ?

Something similar happened to me a few years ago, only it involved two $5k purchases with same SSN (when the electronic limit was $5k). I didn't think my first transaction went through so I reentered it, then got the same slap on the wrist. I wonder, how many times can you cross the line before gett...
by renter
Mon Jan 28, 2013 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4775

Re: Happy Birthday Taylor

Happy Birthday, Taylor. Jack is still building my house thanks in part to you.
by renter
Fri Jan 25, 2013 10:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 4643

Re: Rolling over old 401k into a solo 401k. Pitfalls?

Thanks for all the feedback. Very helpful. I've decided not to roll over and keep it separate for the time being.
by renter
Wed Jan 23, 2013 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 1320

Re: Preserve Delta Skymiles

I had a similar problem, but with another airline. Then I learned I could use some miles to subscribe to Barrons and this would buy me time with the rest of my miles. So I subscribed. I grill with it every Saturday. Great kindling. I've got like 40K miles with Delta airlines. I thought I'd ask here ...
by renter
Wed Jan 16, 2013 12:55 am
 
Forum: Personal Consumer Issues
Topic: Preserve Delta Skymiles
Replies: 21
Views: 2321

Re: Rolling over old 401k into a solo 401k. Pitfalls?

I had assumed that a 401k was a 401k for purposes of creditor protection, but I'm no expert in this area and didn't research. Thanks for pointing that out, I guess that's one factor to weigh. Solo 401K plans are not subject to ERISA, and therefore offer less creditor protection than "standard&q...
by renter
Wed Jan 16, 2013 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 1320

Re: Rolling over old 401k into a solo 401k. Pitfalls?

Thanks for the reply. No, they are mostly equivalent. It seems to me that I'm better off having direct control over my 401k rather through a former employer. Am I right that doing this won't have any bearing on tax free backdoor ROTHs?
by renter
Wed Jan 16, 2013 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 1320

Re: Your most intense movie scene

That one scene in Body Heat. What a great movie.
by renter
Tue Jan 15, 2013 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 10222

Rolling over old 401k into a solo 401k. Pitfalls?

Is there any downside to rolling over a 401k account from a prior employer to one’s solo 401k account? I’m ok with being out of the market during the transition period, and fund choices and costs will be very similar. It seems to be a good idea, but not sure if there are any drawbacks. The 401k admi...
by renter
Tue Jan 15, 2013 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 1320

Re: US Dept Homeland Security urges Disable Java

Under "Security" in my Java Control Panel, there is no box or related text about "desellecting the box for Enable Java content in the browser" Does this mean Java is not enabled?
by renter
Sat Jan 12, 2013 12:09 am
 
Forum: Personal Consumer Issues
Topic: US Dept Homeland Security urges Disable Java
Replies: 124
Views: 13796

Re: Transfer from Scottrade - Anyone ever had issues?

I experienced hassles when I attempted the same thing. Vanguard first had an online process which I completed, after which I thought I was "done". But no. A few weeks later, I asked VG WTF and they said I had to log back in and print stuff out and sign even though I completed the online pr...
by renter
Fri Jan 11, 2013 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer from Scottrade - Anyone ever had issues?
Replies: 6
Views: 944

Adjusting AA based on large I bond holdings

If you accept that I-bonds are generally speaking “less risky” than traded bonds (since I-bonds don’t go down in value, but then don't "swell" on RBD's), would that imply that if you hold a large percentage of I bonds in the bond allocation of your AA that you can/should take more equity r...
by renter
Thu Jan 10, 2013 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA based on large I bond holdings
Replies: 3
Views: 521

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1369.14

I've got 12 months of my newsletter already typed up and ready to sell, just need to swap in the dates.
by renter
Thu Jan 03, 2013 12:43 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15677

Re: Paper I-bonds for your kid thru tax refund?

Is this in addition to one you are doing for yourself on your own return? If you just want one for him, use your return, your refund. 5a Amount to be used to buy bonds for yourself, your spouse, or someone else . . . b Enter the owner's name (First then Last) for the bond registration Thanks for th...
by renter
Mon Dec 17, 2012 2:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I-bonds for your kid thru tax refund?
Replies: 6
Views: 594

Paper I-bonds for your kid thru tax refund?

I was wondering if it's possible to get a $5k paper I-bond issued in the name of my 5 year old somehow by making an [estimated] tax payment of $5k in his name before the end of the year, then filing a 2012 tax return on his behalf to claim the refund in the form of an I-Bond?
by renter
Sun Dec 16, 2012 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I-bonds for your kid thru tax refund?
Replies: 6
Views: 594

Re: Solo 401k SOS

Thanks! I think I get it now.
by renter
Sat Dec 15, 2012 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k SOS
Replies: 3
Views: 426
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