Search found 38 matches

by Labrat
Fri Jul 14, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 36
Views: 2560

Re: Finance Q for those that have gone through Divorce

OP Here: Thanks to everyone for their perspective and opinions. There were a few financial questions that I will address below. In the offer, I committed to covering all of the kid's insurance (health, dental, vision, etc) 100% myself until adulthood. I also committed to taking out additional insura...
by Labrat
Fri Jul 14, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 36
Views: 2560

Re: Finance Q for those that have gone through Divorce

OP here: I will have college covered via 529's which are already sizeable. CO is very different than CA in terms of rules, but I was just hoping to get as clear as I possibly can and as soon as I can. I am confident it will be 50/50 custody, and while she does see this coming, you can never tell whe...
by Labrat
Fri Jul 14, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 36
Views: 2560

Finance Q for those that have gone through Divorce

I'll try to be brief: I'm planning to file for divorce within the next month or so, and am debating whether to offer a direct buyout upfront, or to go through a more 'typical' lawyer assisted division of assets and on-going child support and maintenance payments. I'm interested in thoughts from folk...
by Labrat
Fri Jul 14, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7188

Re: how to destroy hard disk with personal info

It's remarkably easy to accomplish this, so I'm not sure why there's so much traffic on this thread. I guess we bogleheads are a paranoid group. A few whacks with a hammer in the driveway for my previous HDD, and the last one (with ALL of my PII) went into the campfire for a night before finding it'...
by Labrat
Fri Oct 28, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 40376

Re: The Bogleheads' "100 Things Worth Every Penny" List

Quality avalanche beacon, shovel, probe, etc.
It helped me find my friend before it was too late.

After that, everything else just became 'stuff'.
by Labrat
Fri Oct 14, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Snowblower
Replies: 39
Views: 4392

Re: Snowblower

It is too dependent on where you live/the snow you get, to give a generic answer. I had to go with biggest track-driven Honda snowblower available which is completely overkill in 95% of the rest of the country.....but I live on the north slope of a mountain (shade all winter) at over 8300' and my dr...
by Labrat
Sat Oct 08, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1562

Re: Looking for good mountain scenery near Denver

Most of the places mentioned will likely be closed by then. Trail Ridge road is one of the best vistas in the state, but that will certainly be closed by then. They're already plowing snow there. Best chance would be Loveland Pass, which is right next to I70 has great views at the top as you drop do...
by Labrat
Wed Sep 21, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 10959

Re: Disappointing News Wells Fargo

I've been a WF customer for over 20 years. I have never paid a 'fee' that many here claim that big banks always charge. They have always taken care of any and all needs I've had quickly and efficiently, and I didn't lose a penny in this ordeal, nor did my credit score suffer......I will remain a cus...
by Labrat
Tue Sep 13, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: iTunes mishap with child. Options?
Replies: 14
Views: 2310

Re: iTunes mishap with child. Options?

I thought I'd close this thread with the resolution. Contacted Apple, and as noted above, any unauthorized purchases by a minor can be contested. A few emails and a few weeks later, we were refunded fully.
Needless to say, the process has changed in our household for configuring accounts.
by Labrat
Fri Aug 19, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 48014

Re: Self-made Millionaires: how did hitting 7 figures change you?

Nothing much changed, as it happened well before I noticed.
I guess at this point, my mindset has shifted a little from making it, to protecting it. Upping 'safer' investments, umbrella insurance, etc.
by Labrat
Tue Aug 09, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: why the limit of six withdrawals on a savings account
Replies: 22
Views: 3823

Re: why the limit of six withdrawals on a savings account

If they are large transactions (10k+), then it also creates anti-money laundering reporting requirements on the institution. The noted section D above was enacted with the consent of the large banks.
by Labrat
Tue Aug 09, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 4214

Re: Vanguard - why don't I 'feel' good about them?

I don't even have a Vanguard account. Glad I'm not the only one :happy
by Labrat
Thu Aug 04, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: iTunes mishap with child. Options?
Replies: 14
Views: 2310

Re: iTunes mishap with child. Options?

Wife is non-tech savvy, and was guided through the setup and cc process by the Verizon clerk. She did exactly what they told her to do, even after telling them that this was for a child. Again, I claim responsibility for not being directly involved. I was just looking for options to potentially redu...
by Labrat
Thu Aug 04, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: iTunes mishap with child. Options?
Replies: 14
Views: 2310

Re: iTunes mishap with child. Options?

I agree the fault was ours....so, I don't disagree with the notes above to that affect. I literally manage everything that involves money in our home by default and not choice, and took a chance with the wife managing the child's new phone. The mistake was mine, and will reach out to Apple as sugges...
by Labrat
Thu Aug 04, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: iTunes mishap with child. Options?
Replies: 14
Views: 2310

iTunes mishap with child. Options?

My wife gave our child the password to her iTunes app store, and I'm looking for some help with what happened after. First off, this child has severe ADHD to the point that he/she has zero appreciation for actions or consequences. Within the span of 15 days, my child racked up over $2k in charges fo...
by Labrat
Thu Jun 30, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: I think everyone should look into a home equity line of credit
Replies: 26
Views: 2257

Re: I think everyone should look into a home equity line of credit

I agree with this as well. I've had a $50k heloc for a decade, which hasn't cost me a penny. I've never used it, but almost had to tap into it once. It was good peace of mind knowing it was available if required. For those that consider it a piggy bank to be used anytime and for any reason, I would ...
by Labrat
Wed Jun 29, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Favorite ski resort
Replies: 61
Views: 4429

Re: Favorite ski resort

I live in the mountains of CO, so I am biased to our state. A good time depends on what you're looking for. My two favorites for true skiers are Telluride and Steamboat, as they have the best snow, and tree skiing available....but come in Feb or March. However, they are off the beaten path and a des...
by Labrat
Tue Jun 28, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Tax Implications of Traditional 401k to Roth 401k Conversion
Replies: 6
Views: 386

Re: Tax Implications of Traditional 401k to Roth 401k Conversion

I stand corrected. I wish my mega-corp allowed this.
by Labrat
Tue Jun 28, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Would you want to know if your doctor doesn't take your insurance?
Replies: 59
Views: 3582

Re: Would you want to know if your doctor doesn't take your insurance?

To the OP... Would you go to a dentist or an optometrist if they didn't accept your insurance? Medical emergency is one thing, but for GP types of things, I definitely assure that my insurance (which I consider pre-paid medical service) is going to cover it.
by Labrat
Tue Jun 28, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Implications of Traditional 401k to Roth 401k Conversion
Replies: 6
Views: 386

Re: Tax Implications of Traditional 401k to Roth 401k Conversion

What you're asking is not usually possible. If you're still employed at the company with which you have your 401(k), then it's highly unlikely they'd allow such a conversion. I've never heard of a company plan which allows pre-tax money to be converted to post-tax money. If you're not employed at th...
by Labrat
Mon Apr 11, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Easy way to estimate grade (steepness) of a drive?
Replies: 16
Views: 4158

Re: Easy way to estimate grade (steepness) of a drive?

Easiest and most accurate method is a water level....although water is involved, so perhaps not the cleanest method. (edit: obviously a laser is most accurate, but I wanted to offer a method without renting/purchasing equipment.) 12-15 feet of clear hose, or however long you want it to be. Hold the ...
by Labrat
Wed Jan 20, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax treatment of fully vested RSUs
Replies: 4
Views: 527

Re: Tax treatment of fully vested RSUs

My RSUs and options are handled via two separate paths, and I believe it is relatively standard practice. First, my company records the RSU book value on my W2, and it counts towards compensation....e.g. income. Second, the company (Fidelity in my case) which holds the RSUs and options, and tracks t...
by Labrat
Wed Feb 19, 2014 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of assets at Vanguard also active vs index
Replies: 23
Views: 1538

Re: Percentage of assets at Vanguard also active vs index

I do not have a Vanguard account, so $0 with them directly. However, I do hold several of their ETFs and MFs via other places. I have about 20% in active funds due to the choices offered by my 401(k).
by Labrat
Sun Feb 09, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 5167

Re: Drive to CO Skiing in 2WD Minivan?

Chain laws are for commercial vehicles only. I've lived in the mountains for decades and never owned chains, or studded tires for that matter. 2WD is just fine on all but the worst days.
by Labrat
Thu Jan 30, 2014 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund 401k with low paycheck
Replies: 19
Views: 2985

Re: How to fund 401k with low paycheck

Thanks. That would be a good option to push up the contributions into the 401k, but I don't think this person would follow thru with all the extra "work" it entails. Definitely looking for some set -n- forget options for him.
by Labrat
Thu Jan 30, 2014 8:54 am
Forum: Personal Finance (Not Investing)
Topic: How to fund 401k with low paycheck
Replies: 19
Views: 2985

Re: How to fund 401k with low paycheck

Thanks all. Lars, that is the only thought I had as well. Modify the withholding, then contribute the difference. He stated that he does get a modest refund every tax season, so I guess that's all we have to work with. Obviously, he's a good candidate for a Roth as well, so I'll mention that too. La...
by Labrat
Wed Jan 29, 2014 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund 401k with low paycheck
Replies: 19
Views: 2985

How to fund 401k with low paycheck

This question is for a friend that works in a restaurant. The restaurant chain has a 401k, however, since my friend is mostly tips, his actual take home paycheck is very low (under $20) typically, and sometimes it's zero. Is there a way he can somehow contribute to the 401k above the tiny amount tha...
by Labrat
Wed Nov 27, 2013 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 6
Views: 1105

Re: Help me pick a bond fund

Maybe I should reconsider, but the time before I tap this account is approximately 20 years, so I'm okay with some interest rate risk. Does the timing change your recommendation at all?
by Labrat
Wed Nov 27, 2013 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 6
Views: 1105

Re: Help me pick a bond fund

It's variable I believe. Here's the history: YTD (Daily)* -- 1 Yr +1.67% 3 Yr +1.93% 5 Yr +2.21% 10 Yr +3.14% Strategy The fund invests in benefit-responsive investment contracts issued by insurance companies and other financial institutions ("Contracts"), fixed income securities, and mone...
by Labrat
Wed Nov 27, 2013 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 6
Views: 1105

Help me pick a bond fund

I have a 401(k) plan that I'm very happy with, but I'm still struggling with which fund to use for my bond allocation. I have 3 choices to choose from, and am currently in the Pimco fund, but looking for this forum's input for a bit of validation that I've made the right choice, or if I should re-al...
by Labrat
Tue Nov 12, 2013 4:58 pm
Forum: Personal Consumer Issues
Topic: What Are Some Unwritten Rules in Your Office?
Replies: 39
Views: 5355

Re: What Are Some Unwritten Rules in Your Office?

Exec Admins get chocolate at Christmas, or your year will be a struggle.
by Labrat
Tue Nov 12, 2013 4:20 pm
Forum: Personal Consumer Issues
Topic: The Boglehead View on Squirrels
Replies: 112
Views: 9627

Re: The Boglehead View on Squirrels

I live in the woods. I have squirrels, chipmunks, and larger animals like fox, coyote, mule deer, elk and black bear and even an occasional mountain lion. I've never had an issue with any animal other than chipmunks, which have set up nests in two cars and chewed the wires to a tune of over $1500 in...
by Labrat
Wed Oct 30, 2013 9:05 am
Forum: Investing - Help with Personal Investments
Topic: How did you decide to sell your stock options?
Replies: 18
Views: 2012

Re: How did you decide to sell your stock options?

I have a variety of options, from restricted stock grants, SARS (Stock appreciation rights) which are similar to options, and NQ options. I do like having some stock of my company, but prefer to keep it in my 401(k) instead of holding shares in taxable. For this reason, I exercise all of them as soo...
by Labrat
Wed Oct 23, 2013 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Introduction and Tax Question
Replies: 10
Views: 654

Re: Introduction and Tax Question

Thank you for the help.
I'll try to switch my brain from 'lurk' mode to 'participant' mode in the future and hopefully pay back a little to all of you that have been so helpful (albeit indirectly) to me over the past years.
Regards,
Labrat
by Labrat
Wed Oct 23, 2013 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Introduction and Tax Question
Replies: 10
Views: 654

Re: Introduction and Tax Question

Thanks all for the responses. I do have a pretty good grasp on the amount this will end up to add to my liability, and I believe upping my W4 withholding to effectively withhold my entire paycheck for the rest of the year does seem like it will get me close and well within the safeharbor (cashflow i...
by Labrat
Wed Oct 23, 2013 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Introduction and Tax Question
Replies: 10
Views: 654

Introduction and Tax Question

First off, I want to convey my sincere appreciation to all of you for helping so many, including myself. In turn, I've become an avid reader of this forum, and have pointed several of my friends and family here and have even converted a few new believers. I've been a lurker for several years, as I'm...

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