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Re: IPhone 6 and AT&T Contract Extension

I am in a similar situation. I did the math and found that it is a better deal to do the "AT&T NEXT" or just buy the phone outright. With the 2 year commitment they get you by increasing the monthly fee on the family plan from $15 to $40. Plus the $40 activation fee (which is waved for...
by vital15
Wed Sep 17, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1186

Re: Where can I get a job like this?

I'd be surprised if anyone would be willing to pay you $1,000 per month for that. And I'm also surprised that you'd be willing to give up 18 hours every weekend for only $1,000 per month.
by vital15
Fri Aug 29, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3706

Re: Zegna Suits

Check out Alton Lane. Custom made suits at a great price and a great shopping experience. But it only really works if there is a show room near you and the suits take a while (since they are custom made)
by vital15
Tue Aug 26, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9851

Re: auto financing

I'd go with the used one and pay cash, but that's just me. $6,000 or $7,000 is real money. I have a 2012 Odyssey (recently bought used for $23K) and it is great! The first two years of a warranty aren't worth much in my opinion - not much is likely to go wrong.
by vital15
Fri Aug 01, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: auto financing
Replies: 3
Views: 383

Re: VA 529 Plan Vs Non State Tax advantaged 529

The virginia tax deduction is worth 5.75% of the $4000 ($230). But if you itemize on your federal return this will also reduce your state income tax deduction. So if you are in the 25% tax bracket (for example) you'd give back $57.50 of the $230. You can do the math but my personal preference would ...
by vital15
Tue May 06, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VA 529 Plan Vs Non State Tax advantaged 529
Replies: 10
Views: 541

Re: Implementing Two-Factor Authentication for Fidelity Acco

Thanks! Are both of your yubikeys the "Yubikey VIP?"
by vital15
Mon May 05, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12240

Re: Implementing Two-Factor Authentication for Fidelity Acco

Alskar, in one of your previous posts on this thread, you mentioned the below. I wanted to take you up on your offer since I am finding myself needing to do exactly this.. Thanks in advance for helping explain how this is done, and for all the other useful information you posted on this thread. &qu...
by vital15
Wed Apr 23, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12240

Re: [Eating] Fish

Try "Wild Planet" sardines which you can find at whole foods or on amazon. Best I've had. Thank you, Vital. I found it on Amazon.com but the pictures show only the outer box. Do the cans have a ring for easy opening? Also, do you have any recommendations for choosing between sardines pack...
by vital15
Wed Apr 23, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9909

Re: [Eating] Fish

Try "Wild Planet" sardines which you can find at whole foods or on amazon. Best I've had. Very nutritious and tasty. I usually just eat them on crackers but you can find lots of recipes.

For fresh fish I recommend (in addition to salmon) trout and arctic char.
by vital15
Tue Apr 22, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9909

Re: Implementing Two-Factor Authentication for Fidelity Acco

Thank you all for posting this! It had bothered me for years that Fidelity did not offer this and I just found this thread!

To add to the thread: I did confirm that this now works on the mobile app as well (I tested it myself on the iPad app)
by vital15
Wed Apr 16, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12240

Re: Do I take the separation package offer?

As others have pointed out (but to put a different spin on it) if you don't take it you would be working all year for just 6 weeks of pay. (52 minus 46)
by vital15
Tue Apr 08, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5619

Re: 24 year old in over his head: house/MBA/RSUs/tax questio

Look carefully at the IRS rules for tuition. I know many part time MBA students make the case that tuition is tax deductible, and the flip side is that tuition reimbursement is not taxable. I haven't looked in a while but there is something about if the degree qualifies you for a new trade or busine...
by vital15
Tue Mar 11, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: 24 year old in over his head: house/MBA/RSUs/tax questions
Replies: 17
Views: 1830

Re: Download your "paperless statements" frequently

Out of curiosity - why do you need to keep copies of monthly statements for all of your accounts? I don't download paperless statments and I shred any that come in the mail. Most firms keep several years available online (assuming you don't close the account), and while that gives me some comfort wh...
by vital15
Thu Jan 30, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6786

Re: Check Rejected Due to Low Number

I don't know why they rejected it but I do know that it is expensive and time consuming to process checks. Why did you want to write a check for such a small amount?
by vital15
Thu Jan 23, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3941

Re: Expected Return of Gold

I don't get what you are asking. I didn't check your calculation but assuming it is right then the actual return over that specific time period was 4%. But what, if anything, does that tell you about what to expect in the future? I think people say the expected return is zero because gold does not p...
by vital15
Tue Dec 31, 2013 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Expected Return of Gold
Replies: 44
Views: 3327

Re: How to take advantage of low tax bracket in 2013

Thanks for the reply. Hopefully up to the 33% marginal bracket next year. Probably not a big enough difference to do anything major.
by vital15
Thu Dec 05, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of low tax bracket in 2013
Replies: 5
Views: 742

Re: How to take advantage of low tax bracket in 2013

Didn't get any replies so I thought I'd try again. Any wise ideas from the bogleheads?

By the way, I don't have any TIRAs that I could convert. And my 401(k) doesn't allow in-service rollovers.
by vital15
Thu Dec 05, 2013 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of low tax bracket in 2013
Replies: 5
Views: 742

Re: Should I sell my car, or wait?

I don't get why you view the effect of the trade in as being negative $3,000. The down payment is sunk (you paid it in either scenario), so I don't think you should consider it.
by vital15
Thu Dec 05, 2013 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1110

How to take advantage of low tax bracket in 2013

All- Due to my company's poor performance and corresponding lack of variable compensation in 2013, I expect to find myself in a lower marginal tax bracket (25%) than I have been in recent years and than I expect to be in for the forseeable future. In case it matters I am in my 30's with a family. On...
by vital15
Tue Oct 01, 2013 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of low tax bracket in 2013
Replies: 5
Views: 742

Re: Nanny Taxes

I had a nanny one year and did all the paperwork myself. It is incredibly complicated and took many hours to figure it all out. And I am a CPA (but not a tax accountant). Really makes me mad that it is so difficult to employ someone - isn't that something our tax code should encourage? That said, it...
by vital15
Tue Sep 24, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nanny Taxes
Replies: 11
Views: 951

Re: Where to put retirement savings for 3 mo?

Unless you plan on maxing out your 401(k) in 2014, I'd just put it in a savings account, then increase your contribution to 401(k) once you become eligible. (for example contribute 15% instead of 10%). You can then use the money from the savings account for expenses given you'll have a lower paychec...
by vital15
Tue Sep 10, 2013 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put retirement savings for 3 mo?
Replies: 3
Views: 378

Re: Thoughts on Company Stock as % of Portfolio

I wouldn't consider your wife's unvested restricted shares part of your portfolio.
by vital15
Wed Jul 24, 2013 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Company Stock as % of Portfolio
Replies: 12
Views: 547

Re: How much home? Home Value - net worth ratio

I agree with previous posters that the home value/net worth ratio doesn't make sense. Depends too much on your age and stage in retirement saving. It is all well and good that people suggest buying a house that is 1x your income, but in some areas that is simply impossible. In my planning I typicall...
by vital15
Fri May 24, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much home? Home Value - net worth ratio
Replies: 19
Views: 2630

Re: Price on Amazon.com yesterday?

Try camelcamelcamel.com
by vital15
Wed May 22, 2013 9:07 am
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1913

Re: What do I do with my gold profits?

Vital, it would be nice to take this approach if gold were a fairly stable commodity, but it's not. $1500/oz. is not the true value of gold. Gold will at some point in time self-correct to about $600/oz. But your church will likely sell it immediately. So you would have the value of the full deduct...
by vital15
Fri Apr 26, 2013 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1620

Re: What do I do with my gold profits?

If you give to your Church regularly anyway, maybe just start donating gold coins instead of cash (maybe one donation per year?). If it works like appreciated securities then you take the current market value as a deduction.
by vital15
Fri Apr 26, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1620

Re: making our money work for us

If you can refinance for 0.0001% less than your current rate with the bank paying all costs (or more) -- you walk away from the closing table better off on day 1 Actually, even that is not true - when you refinance, you reset the term, so if you just pay the minimum payment, you can end up paying m...
by vital15
Thu Feb 28, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 6387

Re: making our money work for us

You should still consider refinancing. You have not said what your rate is but rates fell quite a bit since 2011 (they have ticked up a bit in recent months). You should be able to find a broker that offers a no-cost refinance (you take a slightly higher rate to get a credit at closing that covers a...
by vital15
Tue Feb 26, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 6387

Re: Good, cheap phone to send & receive MMS

One problem is without a dataplan, you can't get any MMS. Right now I have a dumb phone but it does send and receive MMS. Does that mean that my plan (through work, I don't see the bills) is really a data plan and I just don't have a phone with the browser and other features?? Your company is proba...
by vital15
Thu Feb 14, 2013 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Good, cheap phone to send & receive SMS
Replies: 14
Views: 1149

Re: Can I retire comfortably?

Can you find a buyer that would want to keep you on as an employee for a couple of years and continue leading the business?
by vital15
Thu Feb 07, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6653

Re: Nickeling and diming out of the HSA

Are you saying you can withdraw say $1000 in 2015 for medical costs you paid out of pocket in 2012, as long as you keep your receipt from 2012? I was not aware of this. I also am contributing to but not touching my HSA. I figured I'd have plenty of healthcare costs in retirement to spend it on. Neve...
by vital15
Wed Jan 30, 2013 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nickeling and diming out of the HSA
Replies: 29
Views: 1631

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1428.10
by vital15
Tue Jan 01, 2013 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15494

Re: Tempur-Pedic mattresses

Wow good feedback and thanks OP for starting the thread. We are in the market for a new mattress too and I'm seriously considering a tempurpedic. My biggest hesitation is that some reviewers claim it gets very hot and I am definitely a hot sleeper. Anyone know if any competitor's product is better i...
by vital15
Wed Dec 19, 2012 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Tempur-Pedic mattresses
Replies: 64
Views: 6194

Re: What's Your Favorite Hot Sauce?

I think Tabasco original is the most versatile but sriracha is great on Asian food. I also recommend the El Yucateco "Kutbil-Ik". Spicy but very tasty.
by vital15
Tue Oct 23, 2012 8:17 pm
 
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 3669

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