Search found 99 matches

by abonder
Sun Jan 22, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 529 For my child: who should be the "owner" - me, my wife, or both of us
Replies: 3
Views: 247

Re: 529 For my child: who should be the "owner" - me, my wife, or both of us

I had no ideas about the utility of 529s for shielding assets from lawsuits so I did a little looking. Here's a link with some information (it's old but seems useful). http://www.forbes.com/forbes/2003/0512/142.html It looks like it depends on the state and the person who is the account owner. In ge...
by abonder
Sat Jan 21, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Plenty of income, need portfolio help and advice badly :)
Replies: 11
Views: 1562

Re: Plenty of income, need portfolio help and advice badly :)

Sounds like you're making some progress. I would definitely learn more about trying to diversify spouses 401k from employer stock. Most bogleheads try to limit employer stock since you are reliant on employer for income (wages) and also equity performance. Don't get me wrong - concentrating money in...
by abonder
Sat Jan 21, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 13
Views: 1859

Re: Instant Pot - your favorite uses?

Following this with great interest. If people have specific recipes that they like and feel comfortable sharing, I'd love to hear them. We have one but I'm still learning the ins and outs.
by abonder
Fri Jan 20, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Plenty of income, need portfolio help and advice badly :)
Replies: 11
Views: 1562

Re: Plenty of income, need portfolio help and advice badly :)

Welcome. Just scanning your info shows that you're not in bad shape at all, given that you have no non-mortgage debt, significant equity in your properties, and good income. I won't make any specific advice but rather suggest you read the wiki and some of the recommended books. There's nothing that ...
by abonder
Wed Jan 11, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 113
Views: 13759

Re: New SUV, $50G, Pilot/Highlander/Other

I realize that this is an old thread so I'm unsure if OP is following. Is another minivan being considered? The OP indicated that they currently have two Odysseys. I know there is widespread anti-minivan sentiment, but they really trump all other options in terms of utility and day-to-day ease of us...
by abonder
Wed Jan 11, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Another try at getting Portfolio Advice
Replies: 17
Views: 1123

Re: Another try at getting Portfolio Advice

I think you've gotten really good advice from some experienced members of the community. It seems like you've created a mental model that is incorrect. You don't have to necessarily sell all your positions to leave your advisor. Those are two separate steps. If you decided that the advice from your ...
by abonder
Wed Jan 11, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6543

Re: Laundry lifestyle creep

OP here. I fully recognize that any laundry expenditures are unlikely to significantly impact ones overall personal finances/retirement planning. I think I was more questioning if the extra cost/effort of adding oxiclean is worthwhile. It's a cost I'm willing to pay presuming that it doesn't have an...
by abonder
Wed Jan 11, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Another try at getting Portfolio Advice
Replies: 17
Views: 1123

Re: Another try at getting Portfolio Advice

In regards to the 100% equities asset allocation - only you can decide if that works for you. There are plenty of people who incorporate other factors (pension, rentals, annuities, etc) to rationalize an aggressive asset allocation. Based on historical returns, you should come out ahead with a highe...
by abonder
Sun Jan 08, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Does a spousal Backdoor Roth make sense in this situation?
Replies: 11
Views: 977

Re: Does a spousal Backdoor Roth make sense in this situation?

I'm not sure that I understand. Are you sayin that you'd like to make non-deductible Spousal IRA contribution for your wife but not convert to Roth until much later? I believe that is an option although you are likely to end up with significant tax liability at that time due to earnings on the non d...
by abonder
Sat Jan 07, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6543

Re: Laundry lifestyle creep

I can't recall if there is a difference in clothing cleanliness after changing the laundry routine. It's also hard by our needs have changed with babies and they tend to make a lot of nasty stains! So part of me thinks it's worth it just because our laundry needs are more significant than previously...
by abonder
Sat Jan 07, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6543

Laundry lifestyle creep

In the old days, I'd just use the cheapest detergent I could buy and then call it a day. I then started using a more expensive detergent (even if not on sale) because it was highly-rated by consumer reports. More recently, we bought a large box of oxiclean. Initially, I was only adding it to the hig...
by abonder
Sun Dec 25, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 4777

Re: Am I being smart with this car purchase?

Agree with the posters who advise against this car if it's not something you're passionate about. So many options exist for reliable cars, new and used, ICE and electric, that the i3 strikes me as an odd choice. Look at used Leafs. It's almost scary how cheap they are. I almost want to buy one as a ...
by abonder
Mon Dec 12, 2016 2:01 am
Forum: Investing - Help with Personal Investments
Topic: My tax saving strategy
Replies: 7
Views: 1502

Re: My tax saving strategy

I would look a little more into 457b accounts, specifically regarding the differences between governmental and non-governmental variants. Using the governmental 457b is a no-brainer, presuming you have the ability to contribute and the investing options are good. You need to look at the plan documen...
by abonder
Sun Dec 04, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 87
Views: 11897

Re: Back to Med School - Financially Worth It?

Just to clarify - the original poster already completed medical school and is onto residency. He posted an update 4 years after original post. So any advice to him to go/not go to medical school is moot. He seems to have completed medical school while working and has maintained an optimistic outlook...
by abonder
Sun Dec 04, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 198
Views: 41779

Re: My New Car Buying Tips

I know you weren't directing question to me but I found that about 2/3 of the dealers were open to doing business via email. I couple asked for more information and then moved forward via email. A few continued to ask for a phone call, which I politely refused. If they didn't eventually move to emai...
by abonder
Sun Dec 04, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 87
Views: 11897

Re: Back to Med School - Financially Worth It?

Thank you for your update. It sounds like you managed what could have been a challenging transition with poise and an inspiring open-mindedness. Given your positive outlook, I am sure you will end up thriving regardless of the career direction you choose. I have some very negative colleagues and oth...
by abonder
Sun Dec 04, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 198
Views: 41779

Re: My New Car Buying Tips

I love this thread because I hate the car buying experience and I think that the method outlined really does result in a fair price with minimal stress. I recently employed this method for my in-laws. I went through all the steps and worked out a final deal for them at a dealer all from the convenie...
by abonder
Fri Nov 25, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3975

Re: Negotiating New Car Purchase

You should search for the numerous car negotiation threads here on Bogleheads. Generally, you solicit prices for the exact make/model from a range of dealers that are close enough to hole that you would consider doing business with. Once you get prices (not all will cooperate in my experience), then...
by abonder
Sat Nov 19, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9010

Re: Honda Cars

I've owned 6 Hondas/Acuras since 1988 and have generally enjoyed them. Like you I am looking at a 2017 Accord. However I recently discovered that the 2018 Accord is scheduled for big changes so decided to wait. Some of the spy photos look interesting. A much sleeker look and a possible turbo 4 cyli...
by abonder
Sat Oct 29, 2016 1:16 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with au pairs?
Replies: 13
Views: 2633

Re: Anyone have experience with au pairs?

We have had an au pair for just over a year. Our au pair is staying with us for a second year, which is great as she has been a wonderful part of our family. Since our n=1, it's hard for me to make a definitive statement. It's definitely a more intimate experience than having a nanny - more like a f...
by abonder
Tue Oct 18, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1140

Re: Portfolio overhaul - please critique

Much appreciated input, thank you. Just want to ask some clarification for a few things 1. It seems like my current fund selection is adequate, so I shouldn't focus on simplifying? Trying to get three or so funds across all of my wife and my accounts should take a back seat? 2. Should I continue to...
by abonder
Sat Oct 08, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1140

Re: Portfolio overhaul - please critique

I checked some old posts and it appears that you are a physician not far out of residency, so the relatively high debt/low-savings is understandable and often relatively unavoidable. I'm sure you're familiar with Whitecoatinvestor.com, but if you somehow aren't familiar, spend some time there. You c...
by abonder
Sat Oct 08, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1140

Re: Portfolio overhaul - please critique

I'll try to add a few thoughts. First, I wouldn't worry too much about your exact portfolio composition. I think that your overall plan is good in terms of 3 fund portfolio, 80/20 stock/bond with 30 percent international, emphasis on choosing lowest cost options available in each account. I think yo...
by abonder
Fri Oct 07, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1486

Re: Honda Accord Purchase Advice/Information

Thanks to everyone who has shared personal experiences and links. It's very helpful. I feel like I'm at the end of the 2016 season. I'll have to see what kind of prices/availability I find when getting quotes. If there isn't enough availability, I guess I could look at 2017 models, although I'm not ...
by abonder
Thu Oct 06, 2016 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1486

Re: Honda Accord Purchase Advice/Information

Jackholloway - thanks for weighing in on the Honda sensing and appleplay interface. jhh9327 - thanks for the link to the forums with pricing. That will be very useful. I was only vaguely aware of the existence of these kinds of pricing forums, and it's very useful. Still looking for a link to the be...
by abonder
Thu Oct 06, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1486

Honda Accord Purchase Advice/Information

I'd like to help an older relative purchase a new Honda Accord. It seems like the EX sedan with Honda Sensing is exact desired car. It will be new - not considering used based on buyer's preferences. I had a few questions I would like to present to the forum. 1. Can somebody point me to the "be...
by abonder
Fri Sep 16, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2864

Re: Baby deals

Lots of good advice here so far. I'd echo that there are very few things you actually need for very small babies, so don't go overboard in accumulating "necessary" things. If you're going to have people getting you shower/baby gifts, consider getting a registry so that you get things you w...
by abonder
Thu Jul 14, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 26207

Re: Where were you financially when you were at 30?

At 30 I was recovering from a divorce the prior year (had been a stay at home mom for 10 years), had 3 children ages 6 to 11, and was in school, supporting our girl tribe via a combination of student loans, grants, scholarships and two part-time jobs. Net worth was decidedly negative. ~8 years late...
by abonder
Tue Jun 14, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Moving cross country. Tips? Insurance needed?
Replies: 12
Views: 805

Re: Moving cross country. Tips? Insurance needed?

I can't emphasize the importance of using the move as an opportunity to declutter and organize your possession. I say this from the perspective of somebody who recently moved cross country but who also worked for 2 years at a moving company. If you consider the cost of moving items (relatively high)...
by abonder
Sat Jun 11, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive, reasonably comfortable/durable sunglasses
Replies: 14
Views: 1064

Re: Inexpensive, reasonably comfortable/durable sunglasses

Thanks for all the feedback so far. Sorry I wasn't more precise in my price range specifications. I was thinking in the less than 30 range. It sounds like it may be worth taking a look at Costco. Some other good suggestions as well. I agree the Maui Jims are great but I seem to have a bad habit of l...
by abonder
Sat Jun 11, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive, reasonably comfortable/durable sunglasses
Replies: 14
Views: 1064

Inexpensive, reasonably comfortable/durable sunglasses

I have been trying to find some decent sunglasses that are inexpensive but comfortable and reasonably durable. I have zero need/desire to own a particularly "nice" brand, but I have found that various attempts to find inexpensive glasses that aren't poorly-made or rigid and uncomfortable h...
by abonder
Mon May 02, 2016 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: New Physician Portfolio Review
Replies: 4
Views: 857

Re: New Physician Portfolio Review

In regards to the Roth question - I think it's hard to address. Clearly you're doing the right thing by doing by doing his/her back door Roths so you're creating 11k of Roth space each year. Do you have the ability to make after-tax contributions to your 403b and then roll it over to your Roth IRA (...
by abonder
Sun Mar 13, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard import cost basis?
Replies: 10
Views: 1073

Re: Can Vanguard import cost basis?

Artsdoctor, I think you nailed it. When I looked more closely I saw that the cost basis was absent from only the uncovered shares. So I guess there were a few things going on. First, the transfer of the cost basis was much delayed vs the actual share transfer. Second, some of my securities were unco...
by abonder
Sun Mar 13, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard import cost basis?
Replies: 10
Views: 1073

Re: Can Vanguard import cost basis?

It has been several months but I just rechecked and half of the securities now have correct cost basis imported. The oldest shares have no information. Thanks for bringing this to my attention. I guess I will communicate with vanguard about the remaining stocks without imported basis. Cheers.
by abonder
Sat Mar 12, 2016 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard import cost basis?
Replies: 10
Views: 1073

Re: Can Vanguard import cost basis?

I was hoping that the correct basis information would be imported when the transfer-in-kind occurred, but seemingly that did not occur. I may have to get on the phone with vanguard. Thanks again.
by abonder
Sat Mar 12, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard import cost basis?
Replies: 10
Views: 1073

Re: Can Vanguard import cost basis?

Thanks garco. It's good to hear this is feasible at fidelity, although they seem to be ahead of vanguard in terms of their web interface usability. I will see if anyone weighs in specifically on vanguard.
Thanks.
by abonder
Sat Mar 12, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard import cost basis?
Replies: 10
Views: 1073

Can Vanguard import cost basis?

I transferred a few old individual securities from a Scottrade account to vanguard (in-kind transfer) in order to consolidate my holdings with Vanguard and simplify overall investments. This represents a small portion of a fairly very modest portfolio but the securities do have some long-term capita...
by abonder
Fri Jan 29, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting question related to 529s
Replies: 4
Views: 370

Re: Gifting question related to 529s

I had contemplated some of what you suggested but I think it's not worth the headache for a relatively small amount of money overall. I happily rolled my wife's rollover IRA back into a new 403b to open backdrop Roth IRA access moving forward as that seemed like a worthwhile work-to-reward move. Thi...
by abonder
Fri Jan 29, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting question related to 529s
Replies: 4
Views: 370

Re: Gifting question related to 529s

That was my suspicion, but I struggled to find it clearly stated when I did some searching. Yes, you are correct that we each contribute 14k to stay within the gifting limits (I realize you can lump-sum 5 years worth at any time but we prefer to DCA to college savings). I think I'd like to avoid goi...
by abonder
Fri Jan 29, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting question related to 529s
Replies: 4
Views: 370

Gifting question related to 529s

My wife and I each have a 529 with our son as the named beneficiary. Each of us contributed 14k in our respective accounts for the 2016 year. My son also has a small UTMA account with money from grandparents. I was considering gifting a small number of individual stocks with capital gains (keeping u...
by abonder
Sun Dec 06, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with end of the year surplus?
Replies: 2
Views: 531

Re: Help with end of the year surplus?

All three options sound reasons le and bogle head-ish. I think 50k emergency fund is adequate, unless your expenses are very high. I'd lean towards the 529 if it's in line with your goals, i.e. If you plan on funding some or all of your child's higher learning. Option 1 (taxable) is also reasonable ...
by abonder
Wed May 27, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 48
Views: 6054

Re: Looking for a DVR device for antenna TV (Simple.TV?)

The TiVO OTA deal is back, albeit less favorable than the special a few weeks ago. Looks to be 399 for the device including lifetime service. https://www.tivo.com/roamioota2176 A number of members have emphasized the ease and convenience of TIVO. I initially balked at the idea of paying for the serv...
by abonder
Tue May 19, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 48
Views: 6054

Re: Looking for a DVR device for antenna TV (Simple.TV?)

I would recommend TIVO OTA device. About two weeks ago I saw they they were offering the Over-the-air DVR plus lifetime service for 300 bucks. I paid nearly double for my Roamio plus lifetime service a year ago and I don't regret it. It has a wonderful interface and has "apps" like Netflix...
by abonder
Tue Apr 21, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Records to Keep
Replies: 8
Views: 1225

Vanguard Records to Keep

I know that there have been extensive discussions in the past about what documents need to be retained and for how long, etc. I have a related (but different, I believe) question. What documents do I need to keep from Vanguard? I have all my statements and communications delivered electronically. Is...
by abonder
Sun Apr 05, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Question
Replies: 33
Views: 3034

Re: Form 8606 Question

Thanks for all of the input. I have been communicating with my tax preparer and he seems to understand the process. He cited his formatting as a result of the tax software he uses. I've been reading all these posts, re-reading all the tutorials, and generally trying to wrap my head around the proces...
by abonder
Sun Apr 05, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Question
Replies: 33
Views: 3034

Re: Form 8606 Question

Bobby, It's a little weird because I have a zero in line 8 but have the correct $5500 in line 16. The instructions for line 16 are as follows: If you completed Part I, enter the amount from line 8. Otherwise, enter the net amount you converted from traditional, SEP, and SIMPLE IRAs to Roth IRAs in 2...
by abonder
Sun Apr 05, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Question
Replies: 33
Views: 3034

Re: Form 8606 Question

Letsgobobby and Livesoft, Thanks for chiming in. Livesoft - I believe that I have read every tutorial but I haven't found a good answer regarding line 24 (section 3) of form 8606. I do not think it is addressed. Letsgobobby - I have had my last 2 tax years done by two different preparers so it relie...
by abonder
Sun Apr 05, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Question
Replies: 33
Views: 3034

Form 8606 Question

I am sorry for yet another backdoor Roth IRA question but I am reviewing my taxes (done by preparer) and trying to ensure that nothing has gone astray. My wife and I both made non-deductible IRA contributions in 2014 and subsequently converted to Roth IRAs in calendar year 2014. We both had no tradi...
by abonder
Tue Feb 10, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1869

Re: Where to put money gifted to infant son?

First of all, thanks so much for all of the advice. I just typed a really long reply and then had my browser crash and erase the message! The input has been helpful in reaffirming my impressions and providing some new insights. Pathologyguy- I also thought that a taxable account in my son's name wou...
by abonder
Tue Feb 10, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1869

Where to put money gifted to infant son?

Hi, I was hoping to get some feedback about how to manage a gift to my infant son from his grandparents. He was given a check (significant amount but well under the annual gift exclusion) by my in-laws "for his education." I mentioned the possibility of having my in-laws open a 529 in thei...

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