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Re: TaxAct - amending 2012 return

I ended up paying the $14 fee and the process was relatively painless and the 1040X generated looks good. I couldn't seem to get it to generate the Form 8606 I needed so I had to go do that part myself.
by simplesimon
Thu May 29, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct - amending 2012 return
Replies: 2
Views: 297

TaxAct - amending 2012 return

I got a notice from the IRS saying I owed them some money. After doing some research and looking at what I filed via TaxAct last year, I realized a) I needed to file a form 8606 for a partial Roth IRA recharacterization and b) I actually over-stated the taxable amount of the Roth conversion and shou...
by simplesimon
Wed May 28, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct - amending 2012 return
Replies: 2
Views: 297

Re: Books for someone who is not that interested

I second (or fourth now I guess) Ramit Sethi's I Will Teach You To Be Rich.

A young coworker who just graduated college and started at my company asked me about personal finance and this is what I recommended to him.
by simplesimon
Thu May 15, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3239

Re: Any benefit to a prenup for us?

Not to hijack the thread, but to the lawyers and statisticians: are couples more likely to get divorced when a pre-nup has been signed?
by simplesimon
Wed May 07, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3866

Re: I saw a "Boglehead" on my flight yesterday!

I took an investments course with the illustrious Zvi Bodie who has posted on this forum.

My macroeconomics professor David Griswold, who runs his own financial planning shop, had the Bogleheads book on the shelf in his office. Legitimized the whole operation in my eyes!
by simplesimon
Thu Apr 10, 2014 8:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 12562

Re: When to invest $5,500 in Roth IRA in 2014?

With the way the market's performed, 70% of my $5,500 contribution is going into total bond fund because of rebalancing. Stick with your plan.
by simplesimon
Thu Jan 02, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 4976

Re: Mega Millions jackpot to $636 million

Probably not. But I did hear in one news report, that the more people buy tickets, that the odds get worse. Doesn't the odds remain the same no matter how many people buy a lottery ticket? They probably meant that the likeliness of splitting the jackpot with another party w/ a winning ticket goes u...
by simplesimon
Tue Dec 17, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 4202

Re: New company health plan, seeking advice

I am in my sixth year with an HSA and haven't withdrawn a dollar from it. The HSA is now large enough that I have a brokerage account with a stock ETF, and I'll probably make another purchase in that brokerage account once I make a big contribution next January. Do you keep your bills/receipts in a...
by simplesimon
Fri Dec 13, 2013 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 578

Re: New company health plan, seeking advice

Thanks all. I think I'll charge it to my CC and then get reimbursement to get the rewards.
by simplesimon
Thu Dec 12, 2013 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 578

Re: New company health plan, seeking advice

My concern with saving the receipts is that I might lose them via fire, theft, or my own stupidity.
by simplesimon
Wed Dec 11, 2013 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 578

New company health plan, seeking advice

My company is switching to a new health plan that is an HDHP and had us open an HSA. My plan has a $1500 deductible. The company fully funds the $3300/yr in the HSA. I'm 28, healthy, and don't expect many medical expenses except for the usual health, dental, vision check-ups. I contribute the max in...
by simplesimon
Wed Dec 11, 2013 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 578

Re: "The 'Wal-Mart of the ETF World is Raking in the Assets"

Did not know the structure of ETF's being a separate share class of the mutual funds to create economies of scale was actually patented. That sounds like a huge first-mover advantage.
by simplesimon
Fri Dec 06, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: "The 'Wal-Mart of the ETF World is Raking in the Assets"
Replies: 20
Views: 3127

Re: New 401k - Advice

Or just contribute what you can afford early and if you hit max before the end of the year, then save the leftover for a rainy day. I assume you maxed your IRA/Backdoor-ROTH as well, right? About 50% of my salary is commission based and variable, so I set my rate roughly to reach 17.5k by about sep...
by simplesimon
Wed Dec 04, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 374

Re: New 401k - Advice

Done and done. Spreadsheet created. Greatly appreciate the help!
by simplesimon
Tue Dec 03, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 374

Re: New 401k - Advice

Hi Victoria, Bonus comes in around February of the next year. It's not predictable for me, but I think I'll know what it is in December. I will call Fidelity and see if they can do a fixed amount, although if the match is included in the bonus, I might miss out on that part of it. I'll check with th...
by simplesimon
Tue Dec 03, 2013 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 374

New 401k - Advice

I’ve become eligible for the 401k plan at work and wanted to seek the collective wisdom of the board to see if there is anything that I haven’t thought of on how to set up contributions. Objective: To contribute the full $17,500 for the year and get the full company match. 401k administrator: Fideli...
by simplesimon
Tue Dec 03, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 374

Re: Brooks Brothers outlet vs retail

As someone who has several pairs of AE's and are very happy with them (although I worry about the future of the company and may look to Alden if AE takes a quality turn for the worst), I agree with all of the above.
by simplesimon
Wed Nov 27, 2013 11:59 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 4610

Re: Brooks Brothers outlet vs retail

No, the corporate discount doesn't stack from my experience.

I rarely use the corporate discount except on those special sales I saw recently and when in an emergency, e.g. when I forgot to pack a belt on a business trip.
by simplesimon
Wed Nov 27, 2013 11:19 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 4610

Re: Brooks Brothers outlet vs retail

For what it's worth, over the last two months I've seen 2 sales advertised as "30% off with Corporate Membership" which includes, from what I've looked at, shell cordovan shoes, belts, and bags. Great deal for their top of the line stuff. I've never been to an outlet store, but I like the ...
by simplesimon
Wed Nov 27, 2013 10:35 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 4610

Re: Converting to Safety Razors

I made the switch two years ago, although I only shave about once every 3 days (i don't get much facial hair). I got a nice Merkur razor. Similar to an above poster about getting stuff confiscated by TSA, I've had my Proraso soap taken away as well. When I travel I buy really cheap disposable razors...
by simplesimon
Tue Nov 19, 2013 11:56 am
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4017

Re: Why do TIAA CREF index funds have such high fees?

I don't know how people lived with themselves paying a 0.56% ER on Vanguard SP500 Index Fund.
by simplesimon
Mon Nov 18, 2013 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why do TIAA CREF index funds have such high fees?
Replies: 19
Views: 1680

Re: google does math

A couple of days ago Google's home page paid homage to Shakuntala Devi, human calculator.
by simplesimon
Thu Nov 07, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4056

Re: Travel for work expense reporting

Thanks everybody! Great to hear peoples perspectives.
by simplesimon
Tue Oct 01, 2013 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 671

Travel for work expense reporting

If your company said you could spend $25 for breakfast, $50 for lunch, and $75 for dinner, would you spend the max? The policy at my job states that receipts must be provided and meals are to go towards only the individual unless its with business clients. As a Boglehead, my individual meal expenses...
by simplesimon
Tue Oct 01, 2013 12:27 am
 
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 671

Re: Get an MBA or Invest?

How flexible is an MBA for the future should I decide to switch career paths? I would probably get an MBA in a management type concentration since it seems in keeping with my current career path. But should I decide I want to become a financial advisor or investment banker one day, would I probably...
by simplesimon
Fri Aug 30, 2013 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 3433

Re: Get an MBA or Invest?

I think you recognize that if you become a commodity, you become expendable. I don't think an MBA on your resume will necessarily improve your position, but it definitely will give you the business education and "more tools in your toolbox" (MBA's love tools) to help you think about the bi...
by simplesimon
Fri Aug 30, 2013 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 3433

Re: Falling behind the age / salary curve?

You will have to decide what's worth it to you. Certainly the best way to get max pay is to hop around companies, but there was a similar thread that talked about how you lose out on relationships and having the "go to" guy reputation that you might otherwise have established if you stayed...
by simplesimon
Fri Jul 26, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Falling behind the age / salary curve?
Replies: 31
Views: 3609

Re: A Boglehead in the NFL????

I've been a big fan since last season after seeing how he started out (3rd string RB in a Mike Shanahan offense) and stepping up when the opportunity was given to him. I had read that he drove an old 626 and it brought back memories of the old Camry I drove in college. I hope he's able to stick with...
by simplesimon
Fri Jul 26, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: A Boglehead in the NFL????
Replies: 13
Views: 1810

Re: Getting a used car

So what year/make/model did you pick out?


I decided on a 2009 Subaru Outback.
by simplesimon
Sat Apr 27, 2013 7:32 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1331

Re: Getting a used car

I would pay it in all cash if I could but I need the car to get to work, which pays me the $.
by simplesimon
Fri Apr 26, 2013 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1331

Re: Getting a used car

Then after this time period and some decision making on your part will you are ready to really focus on buying. In my experience this usually takes around 2-4 weeks to do all this visiting and deciding on what cars you can afford and what is available in the market. Then you can get serious about r...
by simplesimon
Fri Apr 26, 2013 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1331

Getting a used car

I'm currently in the process of getting a pre-approved loan from my credit union to purchase a used car. I'm getting offers for warranties and other stuff that I'm not too familiar with (first time car buyer). I turn to the collective wisdom of the Bogleheads forum to seek guidance on what you all t...
by simplesimon
Fri Apr 26, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1331

Re: harvard med school vs. penn med+full tuition scholarship

re: comparing philly to cambridge,
UPenn med is in philly (another poster said it was in hershey; that is penn state, not upenn),
but
HMS is in Boston (Mission Hill/Longwood), not Cambridge..


Oh c'mon...Longwood is a hop, skip, and a jump away (i.e. bus ride or T ride) from Cambridge.
by simplesimon
Wed Apr 17, 2013 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10538

Re: harvard med school vs. penn med+full tuition scholarship

$200K is a lot of money, but I think you'll be fine. 1) You're seeking advice on the Bogleheads forum and 2) you're clearly ahead of your peers. I'm a graduating MBA student in Boston and I'm not too familiar with the Philadelphia area, but I would say you'll be among the best and brightest in busin...
by simplesimon
Wed Apr 17, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10538

For those with conservative portfolios

I took a look at my portfolio's performance the last couple years since I left my job for school and it's had a cumulative return of about 10% since July 2011 "dragged down" by bonds and international stocks, but hey, its the portfolio I chose and am sticking with it. What do you tell your...
by simplesimon
Tue Apr 02, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: For those with conservative portfolios
Replies: 12
Views: 1032

Re: Need a good book on negotiating

Took an entire semester on negotiations in business school and Getting to Yes was the book to read. Also took a private equity class where the professor who spent 20 years in PE after graduating from Harvard Business School said it was the most influential book that's helped him negotiate that he's ...
by simplesimon
Thu Mar 14, 2013 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 1873

Rebalanced today

...was the highlight of my day.
by simplesimon
Thu Mar 14, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalanced today
Replies: 22
Views: 2610

Re: Need a Suit

http://thewizardofaahs.com/ Contact this guy directly, you can get a great suit for about $350. It's absolutely critical you spend take the shipped product to a good tailor and get it altered to make you look great in it. As for style, flat's better for slim to average build, pleats for heavier buil...
by simplesimon
Wed Feb 20, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Need a Suit
Replies: 16
Views: 1684

Re: Taiwan Local Chapter

Can you provide a link to your blog?

Edit: Nevermind, found it!
by simplesimon
Tue Nov 27, 2012 1:09 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 46
Views: 4800

Re: Fidelity Amex question

I just signed up for this card and got it in the mail but was disappointed to see such a low initial credit limit. I called customer service to try to raise it and the rep said I should wait at least a month or two or else I'll get dinged since I was just very recently approved for said limit. Can a...
by simplesimon
Mon Nov 19, 2012 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex question
Replies: 25
Views: 2613

Re: What's Your Favorite Hot Sauce?

This about sums it up:

http://theoatmeal.com/comics/sriracha

Warning: some offensive language.
by simplesimon
Tue Oct 23, 2012 4:22 pm
 
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 3551

Re: Warren Buffett on Jeopardy

No one has asked this but what was the category? "Buffet Talks Business" If you're a passive investor, you're fine with this type of fund that gets its name because it tracks an aggregation, such as the S&P 500 Triple Stumper http://www.j-archive.com/showgame.php?game_id=3989 If it's ...
by simplesimon
Sun Oct 14, 2012 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on Jeopardy
Replies: 19
Views: 2646

Re: Zvi Bodie's Investments class

He acknowledged that the forum is a very knowledgable group of people. I'm confident that the foundation of my investment knowledge from when I first started years ago is a good one! The very first book I read could have easily been "Rich Dad Poor Dad" instead of "Common Sense on Mutu...
by simplesimon
Tue Sep 04, 2012 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 751

Re: Zvi Bodie's Investments class

I asked him if he participated on the forum. He said no!
by simplesimon
Tue Sep 04, 2012 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 751

Zvi Bodie's Investments class

I'm currently sitting in Zvi Bodie's Investments MBA class and got to talk to him during the break and mentioned I belonged to a forum that helped me learn a lot about investing. He asked if it was the Bogleheads by name and I was very surprised he knew about it. Was a very cool moment.
by simplesimon
Tue Sep 04, 2012 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 751

Re: Google Fiber

Any predictions about when this technology will hit most major metro areas?
by simplesimon
Fri Jul 27, 2012 10:21 am
 
Forum: Personal Consumer Issues
Topic: Google Fiber
Replies: 42
Views: 3830

Re: Do Bogleheads buy nice suits?

I agree with most of the comments made above. My order of importance for a work outfit: 1) FIT. You can spend $2000 on a suit and it'll look sloppy if it's not perfectly fitted. 2) SHOES. Ditto previous line. There's a saying/rule of thumb: spend half the budget on shoes. Not only do quality shoes l...
by simplesimon
Thu Jul 12, 2012 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads buy nice suits?
Replies: 87
Views: 7355

MBA grad pays off $100k in debt in 7 months

Some of you may have seen this article floating around the internet the last couple weeks and I thought it was a good lesson in frugality for the readers here. It's not a cost-benefit analysis of pursuing an MBA and there aren't answers to questions like "How do I pay down $100k debt with a $40...
by simplesimon
Thu May 24, 2012 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: MBA grad pays off $100k in debt in 7 months
Replies: 7
Views: 1536

Re: Getting in MBA Program with a terrible undergrad GPA

Do you think doing an MBA program is much different from going into a civilian sector? 90% of your classmates will have come from 4-5 years working experience from the private space. As for your candidacy, I don't think having gone to the school as an undergrad really helps you get into their busine...
by simplesimon
Wed May 09, 2012 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting in MBA Program with a terrible undergrad GPA
Replies: 25
Views: 2925

Re: Economics. What do you think?

I just took a semester-long course on economics (heavily focused on micro) and I would say no. Great class, but didn't make me think about changing my investing philosophy.
by simplesimon
Tue May 08, 2012 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Economics. [Does it help the investor?]
Replies: 83
Views: 4719
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