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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 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3607

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 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 456

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 2:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 456

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 1:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 456

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1848. Based on my proprietary multi-factor model.
by renter
Wed Jan 01, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 12226

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 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1262

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
Thu Apr 11, 2013 12:21 am
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1262

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 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1262

Re: Solo 401k contribution question

Ok, thanks very much.
by renter
Thu Apr 04, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 466

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 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 466

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 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 466

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
Fri Mar 22, 2013 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: [Scammer impersonating] Vanguard
Replies: 22
Views: 1976

[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 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Scammer impersonating] Vanguard
Replies: 22
Views: 1976

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
Tue Jan 29, 2013 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4564

Re: Happy Birthday Taylor

Happy Birthday, Taylor. Jack is still building my house thanks in part to you.
by renter
Fri Jan 25, 2013 11:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 3864

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 2:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 969

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 1:55 am
 
Forum: Personal Consumer Issues
Topic: Preserve Delta Skymiles
Replies: 21
Views: 2192

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 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 969

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 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 969

Re: Your most intense movie scene

That one scene in Body Heat. What a great movie.
by renter
Wed Jan 16, 2013 12:33 am
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9110

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
Wed Jan 16, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 9
Views: 969

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 1:09 am
 
Forum: Personal Consumer Issues
Topic: US Dept Homeland Security urges Disable Java
Replies: 124
Views: 12737

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
Sat Jan 12, 2013 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer from Scottrade - Anyone ever had issues?
Replies: 6
Views: 894

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
Fri Jan 11, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA based on large I bond holdings
Replies: 3
Views: 506

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 1:43 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15410

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 3:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I-bonds for your kid thru tax refund?
Replies: 6
Views: 586

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 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I-bonds for your kid thru tax refund?
Replies: 6
Views: 586

Re: Solo 401k SOS

Thanks! I think I get it now.
by renter
Sat Dec 15, 2012 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k SOS
Replies: 3
Views: 422

Solo 401k SOS

The mrs. just set up a solo 401k Vanguard. If her self-employment income for 2012 comes out to $3000, is the maximum she can contribute for 2012 = $2789.83 ($3000 less ½ of self employment income, i.e. $210.17)? This is the figure I reached from my own research, but it's the first time and I'm not s...
by renter
Sat Dec 15, 2012 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k SOS
Replies: 3
Views: 422

Vanguard Solo 401k

I'm applying for a Vanguard Solo 401k for some consulting work I do as a sole proprietor. The application form and Vanguard say that where it asks for the Employer ID# I cannot enter my social security number, and instead must enter an Employer ID# from the IRS. This would make sense if the employer...
by renter
Fri Nov 30, 2012 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Solo 401k
Replies: 2
Views: 312

Re: *this* close to quitting

I was in a similar situation once. Hated my job. Pressure cooker environment, dealing with time zones around the world, long work hours, crappy boss. It gave me so much immediate gratification when I said "I quit" but the feeling wore off after a couple of weeks. I had assumed when I quit ...
by renter
Wed Aug 29, 2012 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: *this* close to quitting
Replies: 84
Views: 10478

Re: Help a friend get out of massive debt

To the OP: I suggest that you suggest to your friend that he borrow a copy of "Your Money or Your Life" by Joe Dominguez from the library. This is probably one of the best self-help books for someone in his situation. t will teach him what he needs to do beginning now.
by renter
Wed Aug 29, 2012 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Help a friend get out of massive debt
Replies: 57
Views: 5635

Re: no more SmartMoney magazine

I would up getting a free subscription to Barrons for a year. I always look forward to getting mine every Saturday...when I'm gathering kindling for my afternoon grill. I don't even bother trying to read any of it. It my opinion, a virtually useless publication (except it's great for geating the woo...
by renter
Sun Aug 19, 2012 1:11 am
 
Forum: Investing - Theory, News & General
Topic: no more SmartMoney magazine
Replies: 33
Views: 12021

Brooks Brothers / Armpit staining

Due in part to the recommendations of folks on this forum, I wear Brooks Brothers non-iron dress shirts to work. They still look great despite 2 years of regular wear, except that they now have noticeable yellow rings in the armpits. I have always let them dry hanging, never in the dryer. First ques...
by renter
Sat Aug 18, 2012 1:55 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers / Armpit staining
Replies: 8
Views: 4052

Re: Form 8888 Savings Bond Purchase Failure

Sorry it didn't work out. I was assuming the worst (that my full refund would be refunded in cash) but was pleasantly surprised when only the delta was deposited in my account, and a few days later the bonds came in the mail. I snail mailed my return, not sure if that made some kind of difference. T...
by renter
Wed May 23, 2012 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Form 8888 Savings Bond Purchase Failure
Replies: 18
Views: 2414

Re: Harry Dent: Cassandra or Fortune Teller?

Harry Dent has written not only 1 but 2 books on an upcoming economic depression which according to him should be occurring right now. I read 1 of these books. Is he full of it or a fortune teller whose dates are off the mark? He appears to be a standard doom and gloomer but uses age demographics t...
by renter
Sun Apr 22, 2012 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Dent: Cassandra or Fortune Teller?
Replies: 25
Views: 1638

Re: Harry Dent: Cassandra or Fortune Teller?

Harry Dent has written not only 1 but 2 books on an upcoming economic depression which according to him should be occurring right now. I read 1 of these books. Is he full of it or a fortune teller whose dates are off the mark? He appears to be a standard doom and gloomer but uses age demographics t...
by renter
Sun Apr 22, 2012 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Dent: Cassandra or Fortune Teller?
Replies: 25
Views: 1638

Re: Redfin's new model and the value of a buyer's agent

We had a fantastic experience with Redfin, which helped us (buyers) close on the our first home. We received a check for just over $12,500 within a week after closing, along with a reassuring letter that explained the money was *not* considered taxable income according to the IRS. We took that money...
by renter
Wed Feb 01, 2012 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Redfin's new model and the value of a buyer's agent
Replies: 20
Views: 2030

Re: Found $100 Bill at Walmart

I'm not sure I'd feel comfortable leaving the store with $100 I found by the cashier that clearly wasn't mine. I'm pretty sure I would have turned it in like you. Long time follower, first time poster. How would you have handled this? I was shopping in Walmart yesterday and as I approached the cash ...
by renter
Thu Jan 12, 2012 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 136
Views: 8431

Re: My Lemon Car

I purchased a new 2006 Volkswagen Passat 2.0T NEW in October 2005. In the roughly 6 years that I have owned this car using proper maintenance, I have had countless troubles with engine lights turning on and stuff. Fortunately, it all occurred during the first five years when I had warranty coverage...
by renter
Fri Dec 09, 2011 2:34 am
 
Forum: Personal Consumer Issues
Topic: My Lemon Car
Replies: 23
Views: 1607

Backdoor ROTH at Penfed

I want to make a contribution to a ROTH IRA for 2011 (and purchase a CD at Penfed) however my income exceeds the ROTH limits. Has anyone ever done a backdoor ROTH IRA using Penfed accounts? I understand the concept of a backdoor ROTH... but was wondering if there were any (administrative) pitfills i...
by renter
Fri Nov 25, 2011 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor ROTH at Penfed
Replies: 1
Views: 334

There's no tax advantage in using the CA 529 plan compared to one from another state since CA does not allow you to deduct your contributions. If they are "improving" the plan to allow for contribution deductions, I would move to the CA 529 plan. Otherwise, I will continue to use the Ohio...
by renter
Thu Sep 08, 2011 1:45 am
 
Forum: Investing - Theory, News & General
Topic: Changes to Scholarshare (California) 529
Replies: 17
Views: 1656

Perhaps one of these free or low-cost forms can help: http://www.bing.com/search?q=Free+Revocable+Trust+Form&FORM=QSRE6 Thanks for the idea! One of these search results looks like it can be easily adapted for this purpose. A 1 pager would have been preferrable (so I could fold it and keep it wi...
by renter
Fri Sep 02, 2011 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds and Revocable Trusts
Replies: 2
Views: 379

I Bonds and Revocable Trusts

I've already purchased the max this year in I-bonds in my and wife's name, paper and electronic. I want to purchase more paper through revocable trusts. This would be the first time. I was planning to create a simple 1 page declaration of trust instrument for each of us with the bare minimum formali...
by renter
Fri Sep 02, 2011 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds and Revocable Trusts
Replies: 2
Views: 379

During the prior recession in 2001/2002, I managed to find my first professional job after swallowing my pride, dressing in my suit, and going, literally, door to door in good office buildings until someone gave me a job. It took several days and was very humiliating. Some places were indifferent, s...
by renter
Fri Sep 02, 2011 12:53 am
 
Forum: Personal Consumer Issues
Topic: College grads waiting out the job market
Replies: 69
Views: 7563

I figure now might be the best time to launch my newsletter. Anyone like to subscribe? Only $99 per year, 4 quarterly issues, non-refundable. Multi-year prepayment and lifetime plans available. First year includes my proprietary email alertTM featuring up to the minute buy and sell signals from my i...
by renter
Thu Sep 01, 2011 3:12 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST LEADERS -- August
Replies: 6
Views: 984

A friend forwarded a consumer piece shot by a TV station in California that exposed the scams that Jiffy Lube was conducting on their customers. The chain has been caught several times charging for work and filters that were never actually completed or changed. Pretty ugly to watch. Sam I Am I thin...
by renter
Thu Sep 01, 2011 2:11 am
 
Forum: Personal Consumer Issues
Topic: car oil filter
Replies: 26
Views: 2311

I use the Fram extended guard filters. I change them with each oil change. This is probably overkill but they're inexpensive and since I change my oil mself anyway not much extra effort. Fram is fine in my opinion unless you're planning to enter your car for a race. The extended guard is probably a ...
by renter
Thu Sep 01, 2011 2:02 am
 
Forum: Personal Consumer Issues
Topic: car oil filter
Replies: 26
Views: 2311

Re: Am I Required to Repay Signing Bonus

I had never seen these terms before, and I most definitely never signed any document that reflected those terms. . I'd ask them to show me what I signed that says I agreed to repay the signing bonus. If they can't produce such a document, I certaintly wouldn't pay it back and I wouldn't lose a bit ...
by renter
Tue Aug 16, 2011 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Required to Repay Signing Bonus
Replies: 51
Views: 9284

Thanks for the replies.
by renter
Tue Jul 05, 2011 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching 401k providers - my options
Replies: 5
Views: 578
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