Search found 43 matches

by MutualEdge
Mon Sep 11, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Deduction from Remote to Desk Job at Two Different Companies
Replies: 7
Views: 681

Re: Moving Deduction from Remote to Desk Job at Two Different Companies

I would not include a note with your tax return. I would however write such a note that I included in my own files. The information could then be provided in the very unlikely circumstance that the IRS questions your moving expenses. Thanks @katietsu! I'll write a memo to the file. The amount isn't...
by MutualEdge
Mon Sep 11, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Deduction from Remote to Desk Job at Two Different Companies
Replies: 7
Views: 681

Re: Moving Deduction from Remote to Desk Job at Two Different Companies

Hi all, I previously moved from a remote position where I worked 230 miles from HQ to a new job at a new company 10 miles from old company HQ. My commuting distance was zero as a remote employee. My new job is 240 miles from my former home where I worked remotely. I moved as a result of the offer a...
by MutualEdge
Fri Sep 08, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Deduction from Remote to Desk Job at Two Different Companies
Replies: 7
Views: 681

Moving Deduction from Remote to Desk Job at Two Different Companies

Hi all, I previously moved from a remote position where I worked 230 miles from HQ to a new job at a new company 10 miles from old company HQ. My commuting distance was zero as a remote employee. My new job is 240 miles from my former home where I worked remotely. I moved as a result of the offer an...
by MutualEdge
Fri Aug 04, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401K + small income Solo 401K = ? (How much can I contribute to Solo)
Replies: 7
Views: 604

Re: Employer 401K + small income Solo 401K = ? (How much can I contribute to Solo)

Thank you for the responses! So for $1000 in earned income, I could make a 20% contribution for the employer contribution. I noted this above from another thread: "However, it is further limited, because it can not be > (net self-employment ($22,304) - employee deferral ($15K)) / 2 = $3652." For my ...
by MutualEdge
Wed Aug 02, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401K + small income Solo 401K = ? (How much can I contribute to Solo)
Replies: 7
Views: 604

Employer 401K + small income Solo 401K = ? (How much can I contribute to Solo)

Let's say I'm making 100k and am working at my current employer for 1/2 the year in 2018. I then leave the employer. The max employee contributions are 18k for the year. I'd like to open up a Solo 401k for the rollover option and backdoor ROTH later. If I knew I was going to have 1k in side income i...
by MutualEdge
Mon Jul 31, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1204

Re: Questions about prescribed sunglasses

Warby Parker as mentioned above and SmartBuyGlasses. If you go with the latter, it takes about three weeks just FYI but the glasses are great and it saved me about $300 bucks versus a storefront (Costco likely excluded).
by MutualEdge
Fri Jul 28, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9161

Re: Should I Quit my 6-figure job?

It's definitely not a "guy" thing (I'm a woman...more likely related to personality types) and you're not being a brat. You're being smart and evaluating your position and options. I am in a very similar situation and have been tracking this post. A lot of the feedback has been similar to my husband...
by MutualEdge
Sat Jul 15, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9219

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats! Your story is full of hope for us younger folks who will without a doubt undergo more bumps along the way. As someone relatively new to the board, I've learned a lot from your contributions so thank you for sharing your wisdom. Cheers! :beer
by MutualEdge
Thu Jul 13, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4184

Re: Hotel tipping: how much to leave?

$3-$5/night
by MutualEdge
Wed Jul 12, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating housing and longer commutes
Replies: 20
Views: 1382

Re: Evaluating housing and longer commutes

Dm200, If metro is not an option and VRE, MARC, and even AMTRACK aren't options and you're looking at a 60 mile round trip commute, that's tough (I'm assuming this is in the DMV). From a pure cost standpoint and assuming they both have cars, I would look at the monthly cost of owning the car + gas +...
by MutualEdge
Tue Jul 11, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating housing and longer commutes
Replies: 20
Views: 1382

Re: Evaluating housing and longer commutes

Depends. Do they have the option to take public transportation that distance, i.e. train?
by MutualEdge
Mon Jul 10, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 2097

Re: Job opportunity - increase in compensation but also much longer commute

This is a very personal decision, but as someone who commutes a hour and forty minutes each way three times a week (negotiated WFH 2x week over time) and hates every minute of it, I wouldn't recommend it. I'm counting down until I can move on. While you still have longevity with your employer, I wou...
by MutualEdge
Sun Jul 09, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Starting college savings
Replies: 29
Views: 2381

Re: Starting college savings

It's very generous of you to consider funding your children's education to the best you're able. I am extremely thankful that my parents did this and am well aware of the sacrifices they had to make to do so. I've started to thank them every couple of months; it's without a doubt, the best gift they...
by MutualEdge
Sat Jul 08, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1064

Re: Help me with potential new job situation

Pretty simple if you only need a week or so - tell them you have a small family getaway for a few days and will respond to them when you return. I think you are worrying yourself over nothing that will happen. Any reasonable company can wait a week. If they can't wait a week, they better be present...
by MutualEdge
Sat Jul 08, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1064

Re: Help me with potential new job situation

Thanks @MutualEdge, CaliJim. How to respond when the recruiter will say" You seem very much interested when we spoke earlier. Why do you need time? What do you want to think about?" You could say something along the lines of "I'm extremely interested in [insert what you will be doing for them] and ...
by MutualEdge
Fri Jul 07, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1064

Re: Help me with potential new job situation

First, congrats on wanting better for yourself! Sometimes, we try hard to make that happen at our current place of employment and for one reason or another it just doesn't work out. It's working in your favor to have several interviews so close together. It's a good sign and I hope you get at least ...
by MutualEdge
Fri Jul 07, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Question - Roth IRA
Replies: 16
Views: 959

Re: Practical Question - Roth IRA

But my wife works. So, two separate logins? I can only speak to my experience with Vanguard, but hopefully it's helpful. I recently opened up a ROTH IRA for DH. I called Vanguard for some advise. I was advised to have DH create a separate account and then have DH (if he agreed, of course) complete ...
by MutualEdge
Fri Jul 07, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Question - Roth IRA
Replies: 16
Views: 959

Re: Practical Question - Roth IRA

I believe you can contribute to a Roth IRA for your spouse if you file jointly and your MAGI is less than $196,000. Limit is $5,500 for each of you unless 50 or older and then it's $6,500 for each of you. Phase-out starts at 186,000. At that point, then you can start looking into backdoor Roth contr...
by MutualEdge
Fri Jul 07, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3307

Re: Luggage recommendation

Another vote for Samsonite bought from wherever you can get the best deal. The handle of my carry-on broke after several years and I took it to a company store to ask for it to be warrantied. The manager was happy to help and I had a brand new suitcase delivered to my door within 2-3 weeks. Of cours...
by MutualEdge
Thu Jul 06, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion signature guarantee for smaller investments?
Replies: 12
Views: 999

Re: Medallion signature guarantee for smaller investments?

I just had to do this for my Vanguard account and had my local bank do it. It was painless and I was in and out very quickly. Calling ahead is a good idea, just in case. Needed my ID too, but that was all. Bank didn't charge.
by MutualEdge
Tue Jul 04, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: What is the advantage of deferring taxes vs paying them up front?
Replies: 57
Views: 5378

Re: What is the advantage of deferring taxes vs paying them up front?

Another way to think about rebalancing in taxable that doesn't require selling and incurring capital gains is to add money to the funds in your AA that are underperforming/underweight and stop contributions to the fund(s) that are overweight until you're back in balance. That way you don't have to w...
by MutualEdge
Thu Jun 29, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Opinions on Job Change
Replies: 9
Views: 861

Re: Opinions on Job Change

If I understand correctly, you would be getting a $33k salary increase with better advancement opportunities + $11-22k bonus + better working environment and flex time, and the only thing you're losing is the difference between the current company's 12% match and the new company's 6% match? Based o...
by MutualEdge
Mon Jun 26, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 4899

Re: Newbie question about my stock in Amazon...

Op, I don't know how much money you have to invest, but it's very difficult to pick single stock winners that beat the market consistently. You'll likely sleep better at night, second guess yourself less, and won't need to worry as much about "buying high" if you instead invest that money into a tot...
by MutualEdge
Mon Jun 26, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Leave a good boss for career advancement?
Replies: 12
Views: 1442

Re: Leave a good boss for career advancement?

Take the new position; keep the boss as a mentor. Meet with him/her every so often to catch up and keep the relationship going.

Congrats to you!
by MutualEdge
Mon Jun 26, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9557

Re: Where to find a financially like-minded significant other?

Hi OP, I wouldn't worry terribly about trying to find a "Boglehead partner." My husband and I are around the same age as you are and while I consider myself to be more Bogleheadish, he is a spender. When we were dating, at some point he mentioned he had a few thousand dollars in credit card debt fro...
by MutualEdge
Tue Jun 20, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4613

Re: Good camera - new baby coming

I thought going DSLR and a fast prime was the way to go for good low light performance. I then discovered that a prime shooting at a low f-stop didn't work for twins because one was always slightly outside the (narrow) focal plane. If I was buying today, I'd go mirrorless. The vast majority of our ...
by MutualEdge
Mon Jun 19, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4613

Re: Good camera - new baby coming

> A 35 mm lens with f number 1.8, in any brand, SLR or mirrorless, will work fine. This. If you want a zoom capable of producing background bokeh, get a zoom lens with a 2.8 aperature. Get a cheaper or older model camera and invest more in the lenses. If you're willing to learn a bit and want some ...
by MutualEdge
Mon Jun 19, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5994

Re: Best Financial Advice from Dad (in honor of father's day)

"Ask your mother."

My dad is so skilled at so many things, but on this particular topic, he knew when to pass the torch. :beer
by MutualEdge
Mon Jun 19, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4838

Re: Divorce and My IRA

Stop. Stop. Do not do anything. If it is decided that the account will be split, the divorce document signed by the judge will indicate so. Then it will simply be split into 2 by the custodian. But community property does not mean everything is split exactly. That is, you don't each get half the fo...
by MutualEdge
Mon Jun 12, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Good school in Mexico for Spanish?
Replies: 23
Views: 1953

Re: Good school in Mexico for Spanish?

About 16 years ago my wife and I spent 2 weeks in an immersion program at Spanish Institute of Puebla. We boarded with a local family (arranged through the School) and attended classes every day. A part of each day's instruction was an couple of hours visiting local points of interest under the dir...
by MutualEdge
Wed Jun 07, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2618

Re: Buy car in cash ... or invest / lease

If bear, it could become a tall (read: long) grizzly one. I wouldn't try to time the market. If you can comfortably pay cash and have an EF fully funded, I would do that and wouldn't look back. Fixed interest rate account could be an option depending on lease terms. Good luck; Don't overthink it and...
by MutualEdge
Wed Jun 07, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 8031

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

I think this is a sweet gesture and a wonderful idea, and I'm a bit surprised at the backlash and implied eye rolls. Gifts are not mandatory for any occasion, including birthdays and anniversaries, but they are generally appreciated as any wife can tell you. You middle aged men may cringe at the te...
by MutualEdge
Tue May 30, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 5842

Re: best way to buy tires

Tirerack.com Good quality, good prices, good advice. They deliver to an installer near you. Hot ticket is: - Buy from Tire Rack. - Have installed at local Wal*Mart Auto Center. - Free lifetime tire rotation, balancing and flat repair. Great tip. I'd compare Costco and Tire Rack's prices. We've boug...
by MutualEdge
Tue May 30, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 11106

Re: Play Money for Spouse....

Hi GasDoc, My husband and I have separate spending accounts to which a set amount is wired monthly from our joint account. We've done this since we were first married, and it has worked out well; we have no arguments about money. He doesn't complain about my occasional manicures and I say nothing ab...
by MutualEdge
Tue May 30, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 6041

Re: Do I deserve it? [A new car]

What's wrong with your current car? Kudos on the mileage. I personally would drive it 'till it dies and then decide about the car. Taking into account your age, savings (impressive!), income, and living-status, you could definitely purchase a car as long as you keep putting money away for retirement...
by MutualEdge
Tue May 30, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3318

Re: Recommendations for moisturizing lotions that don't feel greasy

Cerave is my vote, like others have mentioned. I also have dry skin and use the regular version at night, especially in the winter. My local Costco offers a huge tub at a great price. If you belong to Costco, you might check it out. I use their AM lotion with SPF 30 daily as well. Good luck with you...
by MutualEdge
Mon May 29, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Med Student's Wife ISO Portfolio Help
Replies: 4
Views: 628

Re: Med Student's Wife ISO Portfolio Help

I think you guys made a great choice to pay for medical school with your investments. That particular investment is likely to pay great dividends. Everything else kind of pales in comparison. I'd focus more on what to do with your accounts when you leave your employer. During your husband's residen...
by MutualEdge
Mon May 29, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Med Student's Wife ISO Portfolio Help
Replies: 4
Views: 628

Re: Med Student's Wife ISO Portfolio Help

MutualEdge, welcome to the forum! 1. I think you would be better off using the Voya U.S. Stock Index Port Inst (INGIX) rather than DODGX in your 401k. 2. and 3. Because you bracket will be a high one in the future, using a Roth IRA for both of you now probably makes sense. https://www.bogleheads.or...
by MutualEdge
Sun May 28, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Med Student's Wife ISO Portfolio Help
Replies: 4
Views: 628

Med Student's Wife ISO Portfolio Help

Hi Bogleheads, I spent the last week wading through some of the Wikis and forum posts and am incredibility impressed by the community and wealth of resources. I would really like some input on my investments and appreciate any suggestions. I’ve made some mistakes, but hope to keep learning from them...