Search found 771 matches

by TIAX
Thu Aug 17, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 23
Views: 2395

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

FYI, you can vote by calling Computershare at 1-866-963-5746. They can look you up by name and address.
by TIAX
Thu Aug 17, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 23
Views: 2395

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Will we receive proxy cards in the mail? Would be much better if it was via email or online.
by TIAX
Tue Aug 15, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 2939

Re: What kind of hotel do you get on business travel?

miamivice wrote:
Tue Aug 15, 2017 2:01 am
Of course, my preferences don't factor in to where my company puts me up, and I stay where they want me to stay.
You don't pick your hotel?
by TIAX
Tue Aug 15, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1323

Re: IRS Audit 2015 1099 MISC

I am being audited for 2015 taxes because I didn't include my 1099 misc form. The 1099 is from coaching volleyball. The $1500 that I made pushed me to the next tax bracket so I am not able to claim my student loan interest resulting in me owing $1400. What type of write offs can I include with the ...
by TIAX
Tue Aug 15, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 23
Views: 2395

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Paul Romano wrote:
Tue Aug 15, 2017 8:45 am
If you own Vanguard ETFs are you eligible to vote in this proxy campaign. Everything on the Vanguard site seems to mention Vanguard Funds and not ETFs.
An ETF is a share class of a fund so I'm sure ETF shareholders can vote.
by TIAX
Sun Aug 13, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3141

Re: T-Mobile promotion for 55+

I'm thinking of having one of my kids on an account with me and H on a different account with the other kid. This way, it will be $120 for the entire family, which is less than we are currently paying for the 4 of us. Both H and I are over 55 but of course our kids are both well under 55. ;) Excell...
by TIAX
Sun Aug 13, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Choices - Help Please
Replies: 6
Views: 365

Re: 401(k) Choices - Help Please

These are the best choices. iShares S&P 500 Index Institutional, BSPIX, ER 0.11% iShares MSCI EAFE Intl Idx Inv A, MDIIX, ER 0.38% BlackRock Total Return Inv A1, MEHQX, ER 0.75% (or possibly the stable value fund if it pays enough) This is the best she can do unless you are willing to change from t...
by TIAX
Sun Aug 13, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2465

Re: One more year

I have set many dates for retiring.... In addition to full retirement there are also lots of permutations of things like taking a less stressful but lower paying job, working part time, contracting, or taking a risk and just saying "no" at work when you are asked to do things like work overtime or ...
by TIAX
Sun Aug 13, 2017 10:17 am
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2589

Re: Please consider setting a time limit of 15 minutes to edit a post

Terrible idea. Leave it as is. People often make corrections (and not just typos) days later to, for example, take out something that's inaccurate. If you think it's so important to preserve people's posts, quote them when you reply.
by TIAX
Sat Aug 12, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Loan?
Replies: 19
Views: 1229

Re: Personal Loan?

Yes we are contributing 6% to retirement to get my 3% match. I didn't want to forgo the retirement contribution given I am in my mid thirties and we only have $80K saved so far since I started working about 3 years ago. I am currently contributing about $498 per paycheck on my retirement per month ...
by TIAX
Sat Aug 12, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: W2 or 1099 for IRA & 401K reasons, need math help
Replies: 6
Views: 324

Re: Advice: W2 or 1099 for IRA & 401K reasons, need math help

What benefits does your employer offer for W2 employees that it doesn't for 1099 employees?
by TIAX
Tue Aug 01, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Eligibility: Should I have to wait 17.5 months?
Replies: 8
Views: 900

Re: 401k Eligibility: Should I have to wait 17.5 months?

My questions: i) Is it permissible to have the eligibility waiting period policy I describe above (17.5 months from start of employment)? Yes, the maximum entry point is six months after the minimum age and service requirements are met. The easiest way to implement this is two entry points one on 1...
by TIAX
Mon Jul 31, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Tax deduction of professional expenses?
Replies: 6
Views: 435

Re: Tax deduction of professional expenses?

Since you won't be using the software with this employer, I don't think this would be considered an unreimbursed employee expense (Schedule A, Line 21). If you could do some work on the side with this software, you should be able to deduct this on Schedule C.
by TIAX
Sun Jul 30, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 70
Views: 6821

Re: Best place to get eyeglasses / no vision insurance

nalor511 wrote:
TIAX wrote:If you have frames and just need to replace lenses, check out ReplaceALens.


Please go check out lensabl if you want replacement lenses. The other site has awful reviews

You must mean good reviews.
by TIAX
Sun Jul 30, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

Just because the income is better than some other majors at some point doesn't make it non-terrible. Seriously? You were the one who said majoring in Philosophy is a "terrible idea," and you tried to defend the claim by citing muddled salary information. So if not employment or salary, wh...
by TIAX
Sun Jul 30, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

m Notice that mid-career Philosophy majors had a higher median salary than Biology, Chemistry, Accounting, and Architecture, to name a few. Your link shows Philosophy degrees starting salary of 39.9K and a mid-career median salary of 81.2K and this is your recommendation? And why are you focused on...
by TIAX
Sun Jul 30, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

m Notice that mid-career Philosophy majors had a higher median salary than Biology, Chemistry, Accounting, and Architecture, to name a few. Your link shows Philosophy degrees starting salary of 39.9K and a mid-career median salary of 81.2K. And why are you focused on "mid-career" (other t...
by TIAX
Sun Jul 30, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

That's how the federal government categorizes philosophy (which should tell you something as well). If you think philosophy as practiced and taught in U.S. universities has anything to do with religious studies as practiced and taught in U.S. universities, then you know nothing about one, the other...
by TIAX
Sun Jul 30, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

Here's a 2015 Georgetown University study entitled The Economic Value of College Majors finding that a Philosophy major is ranked #103 by median annual wages. Nope. That's the ranking of "Philosophy and religious studies." I see; so you think the federal government categorized two unrelat...
by TIAX
Sun Jul 30, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

What will he do with his philosophy major? Get a degree in something that actually gives you an advantage in the workforce. I'm hardly the defender of the world's philosophy majors but all the posts before yours give a pretty nice overview of what can be accomplished "despite" a philosoph...
by TIAX
Sun Jul 30, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

What will he do with his philosophy major? Get a degree in something that actually gives you an advantage in the workforce. I'm hardly the defender of the world's philosophy majors but all the posts before yours give a pretty nice overview of what can be accomplished "despite" a philosoph...
by TIAX
Sun Jul 30, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4896

Re: Philosophy major and future law student

Doing a philosophy major is a terrible idea. True, if you go to law school, your undergraduate major doesn't matter much (except for specific areas of law like Tax and Patent). But what if your child changes his mind and decides not to go to law school? Or becomes an attorney but then wants to do so...
by TIAX
Sat Jul 29, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 70
Views: 6821

Re: Best place to get eyeglasses / no vision insurance

If you have frames and just need to replace lenses, check out ReplaceALens.
by TIAX
Tue Jul 25, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2179

Re: Pausing 401k to Pay Debts?

Woah. Hold on a minute. I think you should start over with a more clearer picture of your financial picture. Doing after tax retirement contributions at a 28% bracket is hurting you most likely. I would switch to traditional where you might actually end up with more money due to tax credits etc. Th...
by TIAX
Tue Jul 25, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2179

Re: Pausing 401k to Pay Debts?

Would it be a good idea to pause the 401k contributions until some/all of this debt is gone? As others have noted, this is a simple math problem. You're getting a 50% return (not including the value of the tax deduction, growth of the funds, etc.) on your 5% 401(k) contribution. That 50% return is ...
by TIAX
Sun Jul 23, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Ameriprise Recommendations
Replies: 2
Views: 458

Ameriprise Recommendations

I thought others may be interested in the types of investments Ameriprise advisers recommend. From a FINRA arbitration decision : The remaining issues have to do with the suitability of the investments in UITs. UIT investments have high up-front costs (approaching 4%) and penalties for early selling...
by TIAX
Mon Jul 17, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 1925

Re: Do you guys accept first Job offer or negotiate?

What is the supply vs demand for your position? I took my first (and only) job. Ideal geography, terms, people, slightly low pay first 2 years. 10 years in and having hired 10 colleagues, I know that we think ill of ones trying to negotiate terms. We rescind and move onto the next, since we have in...
by TIAX
Mon Jul 17, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2378

Re: gaming the mortgage interest deduction

The mortgage interest deduction is not all its made out to be. For every dollar you send me I will give you back 25 cents to pay your taxes. Sound like a good deal? What if "For every dollar you send me I will give you back 0 cents to pay your taxes. " Something is better than nothing. Si...
by TIAX
Sat Jul 15, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 4786

Re: My first poor Ally Bank experience

cherijoh wrote:No wonder they shut you down. That is classic sign of money laundering. Then there is the fact that it was over $10K - which means they are required to report it to the Feds.

A common misconception. This only applies to cash deposits, not electronic transfers between a customer's accounts.
by TIAX
Thu Jul 13, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 157
Views: 22527

Re: Best HSA (2017)

Instead of getting individual opinions, take a look at a comprehensive study that Morningstar published in June. You should find most of what you need there: m This is a very helpful report; thanks for posting. It looks like the best account is The HSA Authority. It has great investment options lik...
by TIAX
Thu Jul 13, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6645

Re: How much of an increase of salary would you expect before switching jobs?

I was able to get in contact with their HR person this morning. I told him that while I appreciate the consideration, it's not enough of an increase to consider switching. He asked what I am looking for and I gave him my desired salary range. *brief silence* What range did you give him above what y...
by TIAX
Thu Jul 13, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

Re: ETF - open secret - cap gains tax loophole

When I worked with a investment management company, they asked us to keep records so we could justify that there was not a substantial overlap. They did not care about economic exposure. If you overlaid 2 different charts and got similar results that did not matter. They asked us to generate and re...
by TIAX
Mon Jul 10, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 157
Views: 22527

Re: Best HSA (2017)

NewbieBogle007 wrote:Do we usually have a choice of HSA? My employer offers HealthEquity, but I don't know of an option to switch HSA.

You can transfer funds out of your employer's HSA to any other HSA and/or contribute directly to another HSA (but then you won't avoid the payroll taxes). See this excellent article.
by TIAX
Mon Jul 10, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

Re: ETF - open secret - cap gains tax loophole

(2) The article discusses the uses of ETFs for executing tax fraud/evasion (using S&P500 index funds from different providers while relying on the IRS being asleep and never noticing and arguing that these are substantially identical securities), while ignoring the very legitimate tax avoidance...
by TIAX
Sat Jul 08, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2379

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Note that TD Ameritrade doesn't include all Vanguard ETFs in its commission-free list including VXUS (Total International).
by TIAX
Sat Jul 08, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4101

Re: What to wear for job interview - skip the tie?

Definitely wear a tie. There's a high enough chance you'll get someone who cares. The norm for professional job interviews is still tie.
by TIAX
Sat Jul 08, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6645

Re: How much of an increase of salary would you expect before switching jobs?

What range raise would bring you up to market? I'd say probably 20% I'd say it's not worth it at 20%, possibly worth it at 30% with 3 weeks vacation (but I'd probably use the job as a stepping stone and start looking at my exit options quickly). You'd be surprised how willing some employers are to ...
by TIAX
Sat Jul 08, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6645

Re: How much of an increase of salary would you expect before switching jobs?

I'm sure they would but you don't really want this job. If you go the counteroffer route, I would recommend doing so in person and going through the market rates with them. Also, don't be afraid to negotiate the number of vacation days and start time (unless there's some very good business reason y...
by TIAX
Sat Jul 08, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6645

Re: How much of an increase of salary would you expect before switching jobs?

Those are some pretty big cons and, unless you really need the money, I wouldn't sacrifice my happiness for a 12% raise (some of which, like the 401(k) match, could go down without much notice). I can't say I really need the money. You'll need to wake up at 5 a.m.; that will wear you out, especiall...
by TIAX
Sat Jul 08, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6645

Re: How much of an increase of salary would you expect before switching jobs?

... I would be looking at approximately a 12% increase in salary. There is also one LESS week vacation. I currently have three weeks per year and they offer two. I would be losing my summer vacation that I planned later this summer. ... Cons It's a very early start time (6:30am) - I will admit I'm ...
by TIAX
Wed Jul 05, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard infrastructure quality issues
Replies: 10
Views: 1103

Re: Vanguard infrastructure quality issues

Vanguard has also been issuing incorrect "corrected" 1099s, changing the cost basis from SpecID to FIFO.
by TIAX
Tue Jul 04, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 6250

Re: Should I move abroad to minimize health care costs?

Is it wise to explore options to move abroad? My profession is specialized and in demand. I am confident that I can get a job in a developed country with a health care system that provides comparable care at a significantly less personal cost than the U.S. system. What countries are you considering...
by TIAX
Sat Jul 01, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 4049

Re: Anyone else got all their eggs in only the Vanguard basket?

Make sure you don't use U.S. domiciled Vanguard funds. I see that you can now buy mutual funds directly from Vanguard as a UK investor.
by TIAX
Sun Jun 25, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4484

Re: Google Fi? pros/cons? anyone using it?

Many MVNOs, including Google Fi, have issues with short SMS (such as for two factor authentication). I've never had an issue with SMS two-factor from Vanguard. Always shows up seconds after I log in. YMMV Same here. I frequently use 2FA and never had a problem...not even once. Not sure where that c...
by TIAX
Sat Jun 24, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4484

Re: Google Fi? pros/cons? anyone using it?

Many MVNOs, including Google Fi, have issues with short SMS (such as for two factor authentication).
by TIAX
Fri Jun 23, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]
Replies: 12
Views: 1120

Re: Vanguard - Int. Muni or Total Muni

ZenInvestor wrote:
indexfundfan wrote:The mutual fund VTEAX currently has a 0.25% purchase fee.


Yup. Break even is between 2-3 years at current ER's. My holding period is infinite. Or at least 30 - 50 years.

Not quite right. The purchase fee is paid into the fund so you have the benefit of others investors' purchase fees.
by TIAX
Wed Jun 21, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 4027

Re: Need to find Loaded Index Funds

How would your employer find out if you opened a Vanguard account? Right, they wouldn't. Don't be a sheep.