Search found 204 matches

by Thrifty Femme
Tue Jun 27, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 8
Views: 1081

Re: 401k Admin Requiring IRS Opinion Letter to Roll In Money

I have an update. I found out the new 401k admin is someone I know. He took the IRS RR information Alan S. provided and the instructions for verifying rollovers I found on the IRS website to my company's outside legal council. Opinion or determination letters are no longer required. Thanks again to ...
by Thrifty Femme
Sun Jun 18, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2489

Re: What Is The Right Amount For An Emergency Fund?

For myself, I keep the often recommended 6 months worth of cash on hand given my circumstance. I do know that each person's situation is different and how much you keep depends on your circumstance. Yet nobody seems to agree what the sweet spot is. What do you think a good amount is? Be brutally ho...
by Thrifty Femme
Sun Jun 18, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 8
Views: 1081

Re: 401k Admin Requiring IRS Opinion Letter to Roll In Money

I Googled for "certifying an IRA contains direct rollover contributions" and found this IRS page last updated this year that explains how to verify rollover contributions to employer plans. That site also references the link Alan S. provided. Hopefully this will be enough to get my employe...
by Thrifty Femme
Sun Jun 18, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1308

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

See if your local library lends ebooks.
by Thrifty Femme
Sat Jun 17, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 8
Views: 1081

Re: 401k Admin Requiring IRS Opinion Letter to Roll In Money

You might want to request a complete copy of the 401k plan document from your employer. There may be details in there about the ability/conditions of the plan to receive rollover money. Requesting a copy of the actual plan document will likely get you a lot more credibility with your employer (or t...
by Thrifty Femme
Fri Jun 16, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 8
Views: 1081

Re: 401k Admin Requiring IRS Opinion Letter to Roll In Money

I don't have the background to answer your question, but your post is a bit unclear. Are you rolling a traditional IRA into your employer's 401(k) plan, and your employer is asking for an Opinion letter? Is your second paragraph asking if you need opinion letters for rolling a 401k plan into your t...
by Thrifty Femme
Thu Jun 15, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3120

Re: How many tech devices do you have?

28 in use.
by Thrifty Femme
Thu Jun 15, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 8
Views: 1081

401k Admin Requiring IRS Opinion Letter to Roll In Money

The summary plan description for my 401k says rollover are allowed and the brokerage said to fill out the application and mail it in with the FBO check. My benefits people say I need an IRS Opinion letter from the plan that the money is coming from. The problem is the money is coming from a rollover...
by Thrifty Femme
Thu Jun 15, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 16232

Re: Poll: 401K Match

52% of contributions. I think you may have the most bizarre match in existence :) I agree. Maybe the employer wanted to be the only one that offers a 52% match of contributions? :wink: While a match of 52% of contributions may sound like a nice deal, the major downside is it forces you to practical...
by Thrifty Femme
Wed Jun 14, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 16232

Re: Poll: 401K Match

52% of contributions.
by Thrifty Femme
Sun Jun 11, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2595

Re: Vue/Sling tv users--what do you miss?

Vuer here. I miss Viacom channels (History Channel and Nick Jr.) occasionally but not enough to switch to Sling.
by Thrifty Femme
Thu Jun 08, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 20
Views: 3130

Re: GS Bank raised rate to 1.20%

Nice news. I like GS Bank's one day ACH.
by Thrifty Femme
Sun Jun 04, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764111

Re: What Movie Have You Recently Watched?

Star Trek Beyond. Meh. I'll probably skip the next one with this cast.
by Thrifty Femme
Mon May 22, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764111

Re: What Movie Have You Recently Watched?

Logan and Doctor Strange. Logan ain't your typical superhero movie. I wouldn't be surprised if it earns Oscar nominations for Jackman and Stewart. Doctor Strange was ok. Don't watch it under the influence of anything; you'll puke.
by Thrifty Femme
Thu May 18, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: 401k excess contribution/highly compensated employee
Replies: 17
Views: 1086

Re: 401k excess contribution/highly compensated employee

The match would have to be 100% on the first 4% instead of 50% on the first 8%. The results are effectively the same, since the 10% cap on HCE contributions means that the average non-HCE contribution is 8%. Therefore the "average" employee is already getting a 4% match. So our plan effec...
by Thrifty Femme
Thu May 18, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: Understanding a Post Tax 401k
Replies: 19
Views: 1842

Re: Understanding a Post Tax 401k

Do a search on mega backdoor roth. You are fortunate you have access to an after-tax 401k!
by Thrifty Femme
Thu May 18, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12976

Re: For those with $500k-$1m in investments...

I've always wondered at how most people here have large tax-advantaged accounts and relatively small (<10%) taxable accounts. I've only ever been eligible for a 401k(TSP) and an IRA though, so perhaps that explains it (no HSA, SEP, 403-b, Formula 409, et cetera). Little money left after paying bill...
by Thrifty Femme
Thu May 18, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12976

Re: For those with $500k-$1m in investments...

Average Age: 41.5 39.62% Tax free (Roth IRAs, Roth 401k, HSAs) 60.38% Taxed - Taxable investments (brokerage accounts) 5.01% - Tax deferred (401ks and traditional IRAs) 55.37% Cash and 529s are not included. We will continue maxing 401ks, HSAs, and Roth IRAs and throwing extra money at the brokerage...
by Thrifty Femme
Sat May 13, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Plan Review & Recommendations
Replies: 7
Views: 653

Re: 401(k) Plan Review & Recommendations

Please list all of your options with expense ratios. I suspect you can do better on your own.
by Thrifty Femme
Fri May 12, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4319

Re: Best cities for older tech workers?

Look at Columbus, Ohio. I read it's becoming the Silicon Valley of the midwest. Lots of technology work in the banking, insurance, and healthcare industries.
by Thrifty Femme
Fri May 12, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764111

Re: What Movie Have You Recently Watched?

Inferno. The book was better.
by Thrifty Femme
Sat May 06, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: 401K subaccount to tIRA, and then back again to 401K
Replies: 5
Views: 282

Re: 401K subaccount to tIRA, and then back again to 401K

Q: Is there any tax pitfall of immediately doing a rollover of the non-basis from my tIRA into my 401K, especially given last month I rollovered funds from my 401K to my tIRA and Roth IRA? I seem to recall there is something about a calendar year that applies, but I don't know the particulars relat...
by Thrifty Femme
Tue May 02, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRAs With Pre-Tax and Post-Tax Funds
Replies: 5
Views: 474

Re: Traditional IRAs With Pre-Tax and Post-Tax Funds

If you have access to a 401k that accepts rollovers into the plan, another option would be to convert your non-deductible contributions to a Roth IRA and then roll the remaining balance into your 401lk.
by Thrifty Femme
Sat Apr 22, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 3233

Re: Best vacuum cleaner for pet hair?

Mr.BB wrote:We have had the heavy duty Dyson for animals (purple color) for years. Works great..just have to remember to clean out the rolling bristles...makes a big difference when you do that.


+1 though it's really heavy.
by Thrifty Femme
Tue Apr 18, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7277

Re: Did anything surprise you in your 2016 taxes?

We got a $15 refund from the Feds. It's the first time in about 8 years that we've haven't owed the Feds. I'm sure we'll owe again next year.
by Thrifty Femme
Thu Apr 06, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1871

Re: HDHP's - Does your employer offer them?

How can you tell if your employer offers a high deductible health plan? For example, my employer offers a plan with a high deductible (over 3K for me I believe), but doesn't offer HSA for some reason. Does it mean that I can invest in a 3rd party HSA myself? Probably not. A high deductible isn't th...
by Thrifty Femme
Thu Apr 06, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1871

Re: HDHP's - Does your employer offer them?

How can you tell if your employer offers a high deductible health plan? For example, my employer offers a plan with a high deductible (over 3K for me I believe), but doesn't offer HSA for some reason. Does it mean that I can invest in a 3rd party HSA myself? Probably, my household did that for a co...
by Thrifty Femme
Thu Apr 06, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1871

Re: HDHP's - Does your employer offer them?

Yes, and they cover the premiums if you select that plan.
by Thrifty Femme
Tue Apr 04, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3644

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

BW1985 wrote:
Thrifty Femme wrote:I get 28 days of PTO. My company will pay out a max of 20 days minus however many days I have taken prior to the two weeks notice, and you can't take off any time during the two week notice period.


Dang, that's a lot!


I negotiated well :happy
by Thrifty Femme
Tue Apr 04, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3644

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

I get 28 days of PTO. My company will pay out a max of 20 days minus however many days I have taken prior to the two weeks notice, and you can't take off any time during the two week notice period.
by Thrifty Femme
Sat Apr 01, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 199
Views: 20164

Re: Capital One 360 $200 bonus

This offer has been extended to June 30.
by Thrifty Femme
Wed Mar 29, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764111

Re: What Movie Have You Recently Watched?

Singing in the Rain. The dance scenes were amazing and quite athletic.
by Thrifty Femme
Fri Mar 24, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which of these funds for new 401k?
Replies: 9
Views: 599

Re: Which of these funds for new 401k?

Please list the expense ration for each fund.

ETA: I recognize some of these. If the expense ratios are low VBTIX and the Vanguard Institutional Index Fund Institutional should be good choices.
by Thrifty Femme
Wed Mar 22, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: How to know if someone has filed your tax returns fradulently?
Replies: 22
Views: 2145

Re: How to know if someone has filed your tax returns fradulently?

My household received a letter stating someone filed has attempted to file a tax return. Now we get to sit on hold to try to resolve the issue :|
by Thrifty Femme
Mon Mar 20, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 5676

Re: Want to buy a used Mini Cooper-> Talk me into it?

My 2006 S stick shift is still rolling fine. Only started putting money into it last year for a new alternator and breaks. I am the original owner.
by Thrifty Femme
Mon Mar 20, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 7075

Re: Recommended emergency fund for middle class households: $13,800

For those of you with multiple years of emergency funds, are you anywhere near or in retirement?
by Thrifty Femme
Sat Mar 11, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764111

Re: What Movie Have You Recently Watched?

Get Out, very deep. I need to see it again.
by Thrifty Femme
Thu Feb 16, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund & health insurance?
Replies: 5
Views: 627

Re: Emergency fund & health insurance?

Look on your W2 in box 12x to see if DD is listed. DD is cost of employer-sponsored health insurance. That number + your premiums * 1.02 will give you the amount required for COBRA annually. Now, I'm not sure if the deductibles and max out of pocket remain the same under COBRA. ETA: To answer your q...
by Thrifty Femme
Sun Feb 12, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Expenditures for household income $100k+
Replies: 35
Views: 3810

Re: Expenditures for household income $100k+

You can keep the consumption the same and dramatically increase the expenditure (i.e. buy 50 dollar wine instead of 2 buck chuck). I would be curious to know why the richer households are spending more on healthcare. More self employed people (i.e. they count insurance premiums), older population (...
by Thrifty Femme
Sun Feb 12, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: New to investing and had some questions
Replies: 5
Views: 408

Re: New to investing and had some questions

I regretfully haven't done much investing in my life but its time and had some questions...Based on what I have read on this forum it seems like having a simple 3-4 fund diversified portfolio is a good starting point...I am considering Vanguard Institutional Target Retirement 2035 Fund (VITFX) as r...
by Thrifty Femme
Sat Feb 11, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2993

Re: How do Bogleheads buy phones?

Outright from B&H Photo.
by Thrifty Femme
Sat Feb 11, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Expenditures for household income $100k+
Replies: 35
Views: 3810

Re: Expenditures for household income $100k+

Please post a link to the image. It's not coming through for me.
by Thrifty Femme
Tue Jan 31, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 133
Views: 17954

Re: Best HSA (2017)

Can anyone comment on the process to withdraw money from a Saturna HSA?
by Thrifty Femme
Sat Jan 28, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134618

Re: Share your net worth progression

2007: $83,254
2008: $107,163
2017: $836,898

As you can see I stopped tracking for a while.
by Thrifty Femme
Wed Jan 25, 2017 10:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 9410

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday :sharebeer
by Thrifty Femme
Wed Jan 18, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 33611

Re: my review of my HSA with Saturna brokerage

Can anyone comment on taking money out of a Saturna brokerage HSA?

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