Search found 601 matches

by Tamarind
Thu Oct 19, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 13
Views: 2684

Re: It's that time of year, and I'm pregnant!

Congratulations!

I agree the HDHP is better so long as you max your OOP (not hard with pregnancy & delivery in the same plan year!).

But look really closely at the network and covered services of the two plans to make sure they are comparable and match your expected needs.
by Tamarind
Sat Oct 14, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Help Moving From Debt to Wealth
Replies: 6
Views: 1281

Re: Help Moving From Debt to Wealth

Pay off your student loan. Just be done with it. The forgiveness is not worth the hassle. Use the Roth IRA. If you keep hustling this hard the tax-free growth of the Roth at retirement should be worth more to you than the deduction now. Plus if you want to do backdoor Roth in the future you'd have t...
by Tamarind
Fri Oct 13, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or maintain liquidity for future home improvements
Replies: 10
Views: 1234

Re: Pay down mortgage or maintain liquidity for future home improvements

I think you should maintain liquidity. Besides the new baby factor, your future HELOC rate will be higher than your mortgage rate.
by Tamarind
Thu Oct 12, 2017 6:43 am
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3505

Re: 100% invested, all in, no cash- how do you do it?

Some people are fastidious enough that they don't allow any money at brokers to not be invested in stocks or bonds. This would be my definition. None of my retirement accounts contain cash or MM. Contributions are all automated to buy shares immediately. Dividends are automatically reinvested. Of c...
by Tamarind
Wed Oct 11, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4204

Re: Buying nightguards (teeth grinding)

I use one that I got from walmart for sports it's just a mouth piece that you put in hot water then fit it to your mouth. They cost $2.00 and last 5 years. You'll grind though it eventually but it will take a while. Right, that is the kind of device I would never be able to wear through a night. Th...
by Tamarind
Tue Oct 10, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3633

Re: Wifi Thermostat

A Nest is ridiculously easy to install. They intend for it to be done by homeowners rather than contractors. I've been very pleased with the Nest up until the last software update, which rendered it unable to see my wifi. It still works great as a smart thermostat but it's annoying not to be able to...
by Tamarind
Tue Oct 10, 2017 6:09 am
Forum: Investing - Help with Personal Investments
Topic: creating low cost AA from 401k choices
Replies: 10
Views: 897

Re: creating low cost AA from 401k choices

Yes, the correct allocation for this account depends somewhat on how much space she has elsewhere. She actually has fantastic US stock fund choices. 81% VG institutional index 4% VG mid cap index 15% VG small cap index ...will replicate the Total Stock Market index fund at a very low cost. But it wo...
by Tamarind
Tue Oct 10, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Should I convert my Rollover IRA to a Roth.
Replies: 5
Views: 494

Re: Should I convert my Rollover IRA to a Roth.

I would suggest rolling the Rollover IRA into your 401k unless it has truly terrible options. Then also make sure to convert your Trad IRA to Roth. If you want to avoid the pro-rata rule you need no existing pre-tax IRAs at all.
by Tamarind
Mon Oct 09, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3709

Re: HSA’s: What level of risk do you prefer?

I have to keep $2k in cash, so I do. That would cover my deductible if I had a major medical issue. The rest is invested in REITs. Not because of risk but because it happens to be the perfect size and contribution rate to hold my entire REIT allocation and because it's where I have access to the che...
by Tamarind
Mon Oct 09, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1254

Re: How to deal with estate with no liquid assets and a house?

Why not just sell it like it is, pay the debts from the proceeds and distribute the balance? Gill +1 This is the most practical solution. Even some minor repairs/upgrades to a home that has to be sold as part of an estate settlement seem to take a significant amount of time and effort and often cau...
by Tamarind
Mon Oct 09, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7442

Re: Do you want your receipt?

No, I don't ask for receipts unless I need reimbursement or it might be important for taxes or warranty coverage. I do review transactions regularly on Mint so I would notice if a charge were accidentally doubled, drastically wrong, or just plain unauthorized. But I've never caught anything major th...
by Tamarind
Mon Oct 09, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 1175

Re: Mint - Issues with showing my account details

I've been using Mint for about 2 years now and in the beginning it was a little goofy, but the last year it's been good. That is up until about 3 days ago when all my stuff from Vanguard went haywire. For some reason it is duplicating all my Vanguard accounts. I'm hoping they get this straightened ...
by Tamarind
Sun Oct 08, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3988

Re: Too much house? (nervous 1st time buyer)

I bought as a single person and don't regret it but I would advise you to keep renting, OP. While you can afford to buy, a home comes with additional time and money costs that you don't seem to need. You can spend a good deal to rent a nice dog-friendly place for quality of life. Look beyond apartme...
by Tamarind
Sat Oct 07, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10026

Re: Third time in my 32 year career I have been laid off

I think you have enough to retire or semi-retire if you want, provided that $60k annually will actually cover all your expenses. Take careful stock of that, including taxes, health insurance, and lumpy costs. Your SS will take a hit, but it looks like that's just icing with the savings you have amas...
by Tamarind
Sat Oct 07, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3615

Re: Should I keep my Stocks?

If all the individual stocks are in an IRA (Trad or Roth), you can sell immediately with no tax effects. This is what I did.

If your individual stocks are in a Taxable brokerage account, see the replies above.
by Tamarind
Sat Oct 07, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5460

Re: Pension Freeze - What did you do?

My company did the same thing 2 years ago. We had a DBPP and they got rid of it and turned it into a Defined Cash Balance Plan. % is based on age. Something like this happened to my mother in the aughts. She had many years left to work but it still bothered her, of course. The company is still in b...
by Tamarind
Fri Oct 06, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1079

Re: Selling burial plots in Alabama

JupiterJones wrote:
Fri Oct 06, 2017 3:30 pm
I'm surprised there's so little demand for burial plots. You'd think people would be dying to get in there.
:beer
by Tamarind
Fri Oct 06, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1079

Re: Selling burial plots in Alabama

Unless the cemetery is a desirable one in a high population area with limited burial spaces available, the plots probably aren't worth very much. What are similar plots purchased directly from the cemetery selling for? That's probably much more than you could get for them. List price is $3000 per s...
by Tamarind
Fri Oct 06, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1079

Selling burial plots in Alabama

As part of helping my mom simplify my grandmother's assets, I'm researching selling burial sites. Any tips from folks who have done this? We have a deed for 8 sites in a perpetual care cemetery, in the name of my great-grandparents. Grandmother is the only surviving heir of her generation. The sites...
by Tamarind
Thu Oct 05, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2049

Re: Denied for Citi Double Cash, but no record of application?

Just wanted to circle back to this in case it happens to anyone else and close out. My first application was denied because I had forgotten to unfreeze my credit. There was no record because their backend systems or slow. Then the customer service rep gave me really bad advice and told me to apply a...
by Tamarind
Thu Oct 05, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of bond investment
Replies: 28
Views: 2148

Re: Pay off mortgage instead of bond investment

You have so much that it's almost a moot point. You could also accelerate mortgage payments while also putting some of your cash horde into the market. At this point whatever gives you peace of mind is probably best. You'll be wanting to trim expenses over the next couple of years anyway to get a fe...
by Tamarind
Tue Oct 03, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270805

Re: What are you up YTD? [Year To Date]

Hi Tamarind, Just note that dividends paid out of most funds, vanguard TBM (ticker: BND) and VIB (BIV and others?) excepted, pay dividends out of market share price...so those dividends are really a return of capital and not additive to the share price on the prior to x-dividend market price. IOW a...
by Tamarind
Tue Oct 03, 2017 5:42 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270805

Re: What are you up YTD? [Year To Date]

11%+ YTD. 80/20 with 30% intl and a small REIT tilt which keeps me humble. Gains still vastly outweighed by contributions. More striking to me as a mental benchmark is that I'm now generating more than $1k annually in dividends to reinvest, which I imagine as giving me an extra paycheck's worth of c...
by Tamarind
Fri Sep 29, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax saving strategies for DINKs
Replies: 47
Views: 3788

Re: Tax saving strategies for DINKs

I'd agree don't let the tax tail wag your dog. After your 50% taxes, you are still bringing home at least 5x the take home of the average household. High taxes means you're doing it right and being successful. Trust me, the house and child deductions won't make much of a dent at your income anyway. ...
by Tamarind
Thu Sep 28, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: We need help! Individual stock portfolio getting out of hand.
Replies: 23
Views: 1889

Re: We need help! Individual stock portfolio getting out of hand.

Given your fixed income stream which you feel means you need no bonds, and your desire for market weighting of international, and your need for tax efficiency: 100% VT (Vanguard Total World Index) Or use livesoft's if you are convinced of the multi-decade validity of the small and value tilts. It's ...
by Tamarind
Thu Sep 28, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12832

Re: Why do you LBYM? Why do you save and invest?

My parents raised me to understand "enough". They also encouraged me to take advantage of a Roth IRA when I worked my first summer job, and taught me never to carry a credit card balance. They were not great investors or super-savers, but they saved and invested and so did I. I became much more seri...
by Tamarind
Tue Sep 26, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Another "Should I sell my business" thread
Replies: 26
Views: 2529

Re: Another "Should I sell my business" thread

Congrats. It sounds like your hard work has resulted in a solid company. If you sold it would you have reached FI and not need to work again for pay? Is that an attractive option for you and your wife? I'd jump at the chance but obviously people's wants are different. My thinking is also influenced ...
by Tamarind
Tue Sep 26, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4672

Re: Comfort level re: tracking at physical shopping centers

While it will eventually spread, I can tell you that what's available on the market right now is also very expensive and clunky right and most malls (and 99% of standalone stores) aren't even thinking about it. Most small retailers are still learning about search engine marketing and thinking they'r...
by Tamarind
Mon Sep 25, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Selling Taxable to Top of Bracket: What does it mean?
Replies: 33
Views: 3705

Re: Selling Taxable to Top of Bracket: What does it mean?

Hello Tamarind. Isn't top of 15% bracket $37,950 (Single) therefore Federal Tax, considering all Income (Ordinary, Capital Gains, and QDI) after deductions and exemptions, $5227? Nope, you need to do the math using the marginal amount for each chunk. It's not 15% of $37,950. Instead it's 0% of the ...
by Tamarind
Mon Sep 25, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Selling Taxable to Top of Bracket: What does it mean?
Replies: 33
Views: 3705

Re: Selling Taxable to Top of Bracket: What does it mean?

I find it helps to calculate your real brackets first. Subtract your standard deduction and personal exemptions from each bracket you see in the table. The bottom bracket for a single person with no dependents is 0% for income up to just over $10k. Then 10% for the amount from just over $10k to jus...
by Tamarind
Mon Sep 25, 2017 6:52 am
Forum: Investing - Theory, News & General
Topic: Selling Taxable to Top of Bracket: What does it mean?
Replies: 33
Views: 3705

Re: Selling Taxable to Top of Bracket: What does it mean?

I find it helps to calculate your real brackets first. Subtract Add your standard deduction and personal exemptions from each bracket you see in the table. The bottom bracket for a single person with no dependents is 0% for income up to just over $10k. Then 10% for the amount from just over $10k to ...
by Tamarind
Mon Sep 25, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24051

Re: I won the Lottery. Need sound advice.

Regarding mortgage payoff, I actually would advise you to wait on that. Given a bad credit score, that rate is probably the lowest you're going to get. Don't worry about the rate until it resets. You can always pay it off then. I don't think anyone's brought up your credit score except talking about...
by Tamarind
Mon Sep 25, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2111

Re: AirBnB Hosting - In lieu of traditional rentals

If a self-managed rental is a full time maintenance job, intensive AirBnB hosting is a full time job at a hotel.

On the other hand, it's more flexible as there's no lease and you can stop for a while any time you need to.
by Tamarind
Thu Sep 21, 2017 5:54 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24051

Re: I won the Lottery. Need sound advice.

I recall reading somewhere that most large lottery prize winners are broke within 5 years. Judging by the litany of bad decisions behind the OP, he's well prepared to join them. OP, how much of your non-mortgage debt is student loans? What was the 401k loan used for? I also suggest that you stop and...
by Tamarind
Wed Sep 13, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Getting appraisal on house BEFORE applying for refi?
Replies: 6
Views: 591

Re: Getting appraisal on house BEFORE applying for refi?

Try talking with a Realtor friend and ask for a broker appraisal and maybe a list of local comps to supply to the appraiser when he views the property. Also, there are some on line appraisal calculators to get rough idea. But as said earlier, the bank has to request the appraiser to view the proper...
by Tamarind
Wed Sep 13, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Getting appraisal on house BEFORE applying for refi?
Replies: 6
Views: 591

Getting appraisal on house BEFORE applying for refi?

Long story short: I own my primary residence JTWROS with my mother. She did me a huge favor by putting down 20%. Once I'm married in the spring, spouse and I plan to get a joint cash-out refi to pay off mom's stake (plus appreciation) and remove her from both mortgage and deed. Housing has appreciat...
by Tamarind
Tue Sep 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7544

Re: Best Lower Cost USA Cities to Live

Central NC (or the greater Triangle area) is an excellent medium COL area. It's not low cost compared to any rural area but looks very cheap compared to a large coastal city. One of the best ratios of quality/cost of life nationally. Culture, food, and schools all quite good. Summer weather is meh (...
by Tamarind
Tue Sep 12, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Customer Information Leak – Link Problem
Replies: 5
Views: 1100

Re: Equifax Customer Information Leak – Link Problem

I would suggest you not get past it. There has been some discussion on Slashdot about whether the site was legit or whether it was vulnerable to hacking. :shock: Not fun to learn AFTER giving them the last 6 digits of SSN. What is the offer of identity protection going to get you? Is your credit alr...
by Tamarind
Sat Sep 09, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5676

Re: Purchasing Home With Girlfriend; Good or Bad?

You don't know if you are going to get married, so there are three likely outcomes: 1. You get married; or 2. You break up and you hate her; or 3. You break up and she hates you; or 4. You break up and you pine for her; or 5. You break up and she pines for you; or 6. You break up and get along, but...
by Tamarind
Thu Sep 07, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5102

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

I think your math would work out much better if one or both of you kept working part time for a few more years, or you were able to pocket the equity from your current house. What would rent cost you in your area? Your situation is very similar to my parents (though they are a few years older) in th...
by Tamarind
Tue Sep 05, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 19
Views: 1989

Re: personal capital

I find that Personal Capital is a better tool than Mint for investment tracking and use it for that. I use Mint for expenses and budgeting. Their advising product is, like any financial advising product, not really something a Boglehead needs. I do appreciate that they are transparent about what the...
by Tamarind
Mon Sep 04, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2049

Re: Denied for Citi Double Cash, but no record of application?

Since my promotional rewards rate on my Suntrust cash back card has expired, I thought it would be a good time to get a Citi Double Cash card. However, I recieved a rejection message. I called the application support line to learn why and was told there was no record of my application. :annoyed Has...
by Tamarind
Mon Sep 04, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2049

Re: Denied for Citi Double Cash, but no record of application?

Its a huge corporation, Not surprising that things get lost from time to time. Perhaps they have identified you as a points chaser? Or your total available credit is too large for your income? Or perhaps you made an error or omission on your lost application? Here is a list of common causes of cc d...
by Tamarind
Mon Sep 04, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2049

Re: Denied for Citi Double Cash, but no record of application?

Since my promotional rewards rate on my Suntrust cash back card has expired, I thought it would be a good time to get a Citi Double Cash card. However, I recieved a rejection message. I called the application support line to learn why and was told there was no record of my application. :annoyed Are...
by Tamarind
Mon Sep 04, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2049

Denied for Citi Double Cash, but no record of application?

Since my promotional rewards rate on my Suntrust cash back card has expired, I thought it would be a good time to get a Citi Double Cash card. However, I recieved a rejection message. I called the application support line to learn why and was told there was no record of my application. :annoyed Has ...
by Tamarind
Sun Sep 03, 2017 7:03 am
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 31
Views: 5779

Re: The Death of Buy and Hold

Sounds like the title is merely a hook, while the content would be not too dissimilar from the tilted portfolios we love to discuss here. Not my cup of tea but might help grab hold of some folks.
by Tamarind
Thu Aug 31, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2470

Re: Evaluating risk of flooding in the "new normal"

If the corner of your lot is in the 100-year flood zone, then I would expect much of the rest of your lot is in the 500-year flood zone, unless you have very steep elevations. This means a 0.2% annual chance of flooding according to the "old normal" maps. Consider what happened to houses in the 500-...
by Tamarind
Thu Aug 31, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7351

Re: How much sooner could you retire with NO property taxes?

Next time someone in my town complains to me about how high the property taxes are, I'm showing them this thread. We pay about 2% on residential property, plus 5.5% state income. The median home is $250k. Sure, you might pay only 1% if you live out in the county, but the town services are nothing to...
by Tamarind
Thu Aug 31, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2359

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

Uncle reports that he was told grandmother was not a candidate for the LifeCare model, which is in line with what you folks have said. Mom is trying to confirm that and the reason given, but it's tough as they are communicating through text thread and a lot gets left out. Uncle also says he decided ...
by Tamarind
Thu Aug 31, 2017 5:21 am
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4200

Re: High-Deductible Health Plan vs. Peace of Mind

Although the PPO might be overinsuring myself for how much I'll actually use it, does anyone else think it's worth the peace of mind to just know that no medical situation is going to cost me more than $400? It's not the case that no medical situation will cost you more than $400. It will cost you ...