Bogleheads.org

alshayed

prettybogle wrote:Our realtor says for a 30 year loan, that 100k is not huge deal.

This throws up a huge red flag for me, I would seriously wonder if your realtor has your best interests in mind. You're the one who has to come up with the extra ~20% more in mortgage payments every month.

alshayed

In my experience it takes 3-6 weeks for the Dr's office to get and process back the stuff from the insurance company. You're well within that period, don't worry about it and just give them another couple of weeks.

alshayed

Coming from a similar situation I also think you two need to figure out the relationship in more detailed terms, ie marriage or not. The first few years of supporting an artist and trying to help her get a business off the ground is one thing - after 9 years it easily becomes less appealing and more...

alshayed

Also keep in mind the cord or plug from the compressor might be damaged too. You can buy replacement cords too if so, probably have to pull it off the compressor to test it though. Just remember to write down how it was wired so you can put it back on properly!

alshayed

I think you're going to be paying capital gains if you sell at a profit. See m If the rule is "You must have used the home you are selling as your principal residence for at least two of the five years prior to the date of sale." and you moved 5 years ago, it doesn't look like you qualify ...

alshayed

Looks to be for show. You could probably endlessly debate the effectiveness of different additive blends and concentrations, and from your comment I surmise you are a skeptic. Keep in mind that there is a minimum amount of additive mandated by law. However at the end of the day from the trucking co...

alshayed

The above quoted text doesn't explain why I see the same fuel truck at shell, mini mart, and discounts r us on the same day. Most gas stations contract a third party trucking company to deliver fuel to them. So for example "Bob's Fuel Trucking" might deliver to some Shell stores, some Min...

alshayed

They may offer a deal for the new union members to purchase seniority in the pension with their 401k funds. I'm not really sure how this works exactly but have seen other posts here about people purchasing years of service in their pension plan so it does happen. Probably would be a good idea for he...

alshayed

It's possible you just need to give your son some time. When I was in high school one of my friends really struggled with math but just waiting a couple of years things finally clicked for him in college.

alshayed

until I have saved up 30K to buy into the low ER Vanguards Even the "investor class" & ETF Vanguard funds have a lower ER than the Betterment management fee. Also with Betterment you're paying that management fee on top of the fund ER, and mostly they use Vanguard so all you're doing ...

alshayed

What happens if I don't pay the remainder myself? I think you need to wait and see what their response is after signing over the insurance check to them. They might just write off the rest, or ask you to pay another $100 or something. From your post it doesn't sound like you've had any communicatio...

alshayed

Not sure if he's breaking any laws but may be breaking the loan contract. IIRC mine have always said must be owner occupied for the first year at minimum, but after that I think renting was allowable.

alshayed

The main problem with the engine misfiring is that if that happens enough and if (depending on car) it keeps sending fuel down that cylinder it can basically kill the catalytic converter(s). When that happens they may get clogged and the engine stops running. In my experience replacing cats can be 5...

alshayed

I've heard enough bad things about Navient that I would be very wary. Make them apply the payment exactly as you instructed and intended, and scrutinize all paperwork before and after to double check.

alshayed

Generally speaking companies aren't required to issue 1099's for payments to people under $600, and I doubt they report anything to the IRS that doesn't have a 1099 issued for. So basically you're on the honor system here. From a practical POV I believe everything on your taxes is rounded to the nea...

alshayed

Also if you determine you need/want it, check with your normal auto insurance and see what their rate is for it. I bought a car recently and their price was a lot less than even my credit union. Plus they charge per the same term as the regular insurance instead of a flat upfront fee and you can dro...

alshayed

If this is actually being actively managed the first step I would take is sending the "advisor" an email saying to halt all trading on the accounts. Also ask if there are any redemption or other fees to liquidate any of the securities. In general transferring the IRA accounts will be relat...

alshayed

I live in Oregon, which is a "no contact" state for them. To me this sounds like either a company policy or they got in some legal trouble with Oregon and have been legally barred from contacting people in the state. Possibly company policy because they got in trouble with Oregon and have...

alshayed

Part of what's happening here is the recruiter is trying to keep you on the hook. As you said, he only gets paid if you are hired - that's dependent on both them making you an offer and you accepting. I would keep taking any interviews that come up, don't put everything else on hold for this one opp...

alshayed

what happens to the other $100 I believe you just convert it along with the other money and pay tax on the extra this year (during 2017). Double check with your CPA. The main reason you want to convert it ASAP is because the more it grows then you have to pay tax on any gains. So you want it to be ...

alshayed

What is there to comment on? No real info, just clickbait without the click.

alshayed

des999 wrote:about 7 years ago

You're probably stuck with your past mistakes, I think the maximum time to file an amended tax return is 3 years or so. Your CPA will be able to tell you specifically for your situation though.

alshayed

I heard something about 2-3 months ago about gas prices driving up large vehicle purchases and smaller car sales stagnating more. Are you seeing mostly smaller cars in these lots and not so much trucks/SUVs?

alshayed

My employer pays every Thursday, but 401k contributions usually invest on the Tuesday before payday. However all the options are mutual funds, so they don't likely cause actual stock trades to occur immediately - I believe MF's use new money to pay out exiting money first, and then the net change ev...

alshayed

I like to use Tech Report as a starting guide - see their system guide at https://techreport.com/review/31389/sys ... de-current.

Note you will probably not save money, but certainly it can be satisfying and lets you be really specific about what you want.

alshayed

If a driver has roughly 58 cents expenses per mile are Uber/Lyft drivers stupid then? I mean if they earn $30 per hour they would be making like $5 after all these "expenses" and taxes. Remember the IRS rate is what they allow for tax purposes and is probably based on a wide range of cars...

alshayed

25 Year Old Daughter-In-Law with 2 Great Kids, 3 & 4 I was thinking of telling her that if she contributes $5500 to a Roth, I would give her $200 every 2 weeks to contribute to her work's 401K Do you know what her budget is? I like many others doubt very much that she could afford this. At her ...

alshayed

should I apply this extra money towards the interest, principal, or both? Unless you have something outside of a normal mortgage, extra payments are applied to the principal which reduces future interest. Depending on your interest rate you might consider investing in a taxable account instead... t...

alshayed

Any thoughts would be appreciated. I agree with leaving it alone unless he asks for advice. However if you really feel like you should say something to him I would go something along the lines of "I've been thinking about what you told me about your financial planning and was wondering why you...

alshayed

Any thoughts or recommendations? My family has a ~1100 SF house with a 1000 gallon propane tank (no furnace, Jotul propane stoves for heat). We use about 650 gallons per year for heat, cooking, and hot water. This lets us fill up only during the summer when prices are low and has worked really well...

alshayed

Re groceries - I have found the USDA cost of food reports to be somewhat helpful in gauging how my expenses look. See m. My family generally spends in the area of the low cost plan but includes several things like paper products (towels, TP, etc), cleaning supplies, pet food, etc. We buy most of our...

alshayed

I think it depends a lot on what type of account you have your investments in. For example if it's a taxable account that you can withdraw any time then your 6 month e-fund should give you plenty of time to make that happen if needed. For other types of accounts... depends on exact type and jurisdic...

alshayed

So you think she could be at around 70k safe and sound I don't think so, it sounds more like she "might be able to just barely make it to 70k" per year. If you go with a 4% withdrawal rate on the $260k that gives ~10,400 per year. I'm coming up with $70,200 at that before taxes. But that ...

alshayed

His and her cars, and the family car. I couldn't stand the trash in the cars and finally declared a recent purchase to be mine, period (prior to puchase not ex post facto). The new family car we got a couple months ago will have keys locked up if the trash levels get out of control in it.

alshayed

The real problem is that your plan and the provider (hospital) don't agree on what's reasonable charges. You are getting caught in the middle obviously. It's going to be a tough fight I suspect, when my wife was diagnosed with cancer two years ago even with a network it was challenging. You might se...

alshayed

If you have a CPA that does your taxes, I recommend asking them for some guidance here. This is an issue they regularly deal with.

alshayed

$40k pension (3% guaranteed increasing) Assuming this is $40k per year, using a rule of thumb 4% withdrawal rate on the $240k that gives her just under $50k per year. So if she can get to $70k per year is highly dependent on what the SS benefits are. $200 pre-tax lump sum What is this $200k pre-tax...

alshayed

I vote appeal too. If they intended it to not include age 9 it should be more specific - ie "age 8 and under" or something. Any ambiguous language should be held against the person writing the policy.

alshayed

Also for a Roth IRA, TLH makes no sense, so why would anyone choose to go for Betterment over Vanguard? If you have both a Roth IRA and taxable account, you might want both at Betterment/Wealthfront so they can coordinate your accounts and prevent wash sales on TLH. But you only need to do this if ...

alshayed

Here's my current take on used vs new... with the caveat that my family drives 30-40k miles per year so I'm pretty focused on cost per mile. However I must have a 4WD too so it's a little more complicated. So this may or not help you in your particular situation. Cars with a purchase price < ~25k - ...

alshayed

Starbucks Komodo Dragon. I grind it myself and use in my Keurig with refillable cups. Or sometimes a french press.

alshayed

Another thing I just thought of - he could consider switching to a SIMPLE IRA instead of full 401k. There are a number of drawbacks in terms of max contributions, etc. but it is "simpler" and basically has almost no fees to the employer. Also it puts the funds under full control of the emp...

alshayed

Betterment now offers a 401k as well, might be worth checking that out: m Also it looks like they compare their pricing to Vanguard so there's some information about Vanguard's 401k pricing too, but obviously would be best to get it direct from them. I think I've heard of some other low fee 401k opt...

alshayed

I disagree with some of the people saying it won't cause problems. It might not cause the engine itself to get damaged, but the computer does adjust the fuel/air mix based on oxygen sensor data. If that mix is bad, it could damage the catalytic converters which would be a much more expensive repair ...

alshayed

Where are you moving to? I grew up in Denver and agree that for the most part you should be fine, especially if you are living in a city with decent road cleanup crews.

alshayed

Mine hasn't even shown up on my credit report yet. I'll be watching closely for it though. You could file a dispute with the credit reporting agencies that the account opening date is wrong. I'm not sure how they would handle that though, and probably is better to call Citi first but it will probabl...

alshayed

I've had similar issues with my HR department... not with 401k but with the medical stuff. My advice would be to have her send an email to HR (print a copy afterwards) letting them know and then just not worry about it. In this case I don't see how it would have any tax implications to you or anythi...

alshayed

I'm pretty sure a rollover doesn't count against the "contribution" limits - consult your tax advisor, etc. You've already contributed those funds under a different tax rule, rolling the funds over is just fine AFAIK.

alshayed

I basically agree with @ponyboy, but have seen many cases myself where the non-earning spouse kept the "my money" inheritance separate just like the OP. It seems ironic that the earning spouse gives everything to the marriage but then the other wants to keep their part just to themselves. ...

alshayed

My initial thought would be to send them a registered letter with return receipt re-iterating the request and asking explanation for the delay. It seems like this sometimes has an effect breaking things loose from companies who are delaying. You could include something asking them to respond by a ce...

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