Search found 997 matches

by an_asker
Fri Feb 12, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 21
Views: 2078

Re: Is Canada on sale? [Currency exchange rate vs. USD]

I've often seen trans-Canada trains advertised. But they are definitely out of our budget (time and money!). But I am sure one can purchase shorter trips out of that entire east-west trip. Which segment would be the best bang for the buck (natural scenery standpoint) for the summer months? I am assu...
by an_asker
Fri Feb 12, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Selling ETF Using A Limit Order
Replies: 12
Views: 605

Re: Selling ETF Using A Limit Order

^Thought about that option too, but picked up the lot with a gain within the last 30 days which I believe would qualify as a wash. Let me know if I'm mistaken. Yes, this is correct. If you sell the ETF, and don't sell the lot you bought within the last 30 days, you will have a wash sale. (And as a ...
by an_asker
Thu Feb 11, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 46
Views: 5214

Re: Bought a bunch of stocks today

I added about 50k to my 100% equities to my portfolio OP, could you please explain the statement? In other words, if you are at 100% equities in your portfolio, where did you get the 50k from? And now I read that you've added 40k more! Where is this cash cow? ;-) PS: Never mind. It looks like you d...
by an_asker
Thu Feb 11, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 21
Views: 2078

Re: Is Canada on sale?

As an Audubon member who enjoys bird watching trips wonder which states qualify? :happy According to this wikipedia page on Enchanced Drivers License, Michigan, Minnesota, New York, Vermont and Washington. https://en.wikipedia.org/wiki/Enhanced_Drivers_License If your state does not offer an enhanc...
by an_asker
Thu Feb 11, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 21
Views: 2078

Re: Is Canada on sale?

As an Audubon member who enjoys bird watching trips wonder which states qualify? :happy According to this wikipedia page on Enchanced Drivers License, Michigan, Minnesota, New York, Vermont and Washington. https://en.wikipedia.org/wiki/Enhanced_Drivers_License If your state does not offer an enhanc...
by an_asker
Thu Feb 11, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Selling ETF Using A Limit Order
Replies: 12
Views: 605

Re: Selling ETF Using A Limit Order

Its limit is currently being met, so depending on the site, it should sell immediately.
by an_asker
Wed Feb 10, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 68
Views: 3851

Re: Best Car for Family of 5?

Is that believe based on theory or experience?:) That was my theory until I realized that things like double strollers were a lot more portable in an SUV (might have been able to fit it in a v60 but those are just as expensive. Not lot of other medium size hatches out there) or minivan. And zoo tri...
by an_asker
Wed Feb 10, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 68
Views: 3851

Re: Best Car for Family of 5?

My wife has sworn that she won't drive a mini van so we shall see. Why? I mean, I won't drive a minivan either but we don't have kids. If we did, we would be driving a minivan as it makes the most sense and is the most practical solution. Impressing others or worrying over "image" gets ol...
by an_asker
Wed Feb 10, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 21
Views: 2078

Re: Is Canada on sale?

Wonder why I didn't think of this before! I have been observing the Canadian dollar dropping from near (or above) parity when we visited a couple of years ago, to now where it is at about 70 (US) cents. My question is whether the price of most tourist expenses has stayed the same or gone up (in Can...
by an_asker
Mon Feb 08, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 21
Views: 2078

Is Canada on sale? [Currency exchange rate vs. USD]

Wonder why I didn't think of this before! I have been observing the Canadian dollar dropping from near (or above) parity when we visited a couple of years ago, to now where it is at about 70 (US) cents. My question is whether the price of most tourist expenses has stayed the same or gone up (in Cana...
by an_asker
Tue Feb 02, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401k - Highly Compensated Employee?
Replies: 27
Views: 2226

Re: 401k - Highly Compensated Employee?

[...]The real problem is that your company is too cheap to provide the minimal company contributions necessary to meet the safe harbor requirements. As has been stated a safe harbor plan has no limits on employee salary deferrals beyond the maximum contribution limit. Note: Even with a safe harbor ...
by an_asker
Tue Feb 02, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Switched employers, have a funded FSA and HSA. How to use?
Replies: 14
Views: 1029

Re: Switched employers, have a funded FSA and HSA. How to use?

I do not think the previous answer is the whole story. I believe you have the right to elect COBRA coverage for your health fsa. Please look into this. I wasn't aware of this, but it does appear that Katiesu is correct and an FSA Is available for COBRA. I'm not sure how this work. Is the FSA by its...
by an_asker
Mon Feb 01, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 1688

Re: Dual-military couple relocating to Vilseck, Germany :)

Good stuff & excellent advice. I was specifically thinking of the soaring CHF against the Euro (it's over 1.40 now, without checking). Are you sure? The last I checked (a couple of hours ago!), 1 CHF = 0.98 US$ and 1 Euro = 1.08 US$. So, that means that 1 Euro = 1.1 CHF or so. Where/how are you...
by an_asker
Mon Feb 01, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 1688

Re: Dual-military couple relocating to Vilseck, Germany :)

Rome and Florence and Venice in summer are just suffocating. How bad are they? Are they as bad as Florida in the summer? Italy is shaped like Florida, but isn't it further north? The Mountains in Switzerland are totally unique but it's an expensive place to visit.[...] I have been to Switzerland on...
by an_asker
Fri Jan 29, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Traveling to Vegas soon. Advice or Suggestions?
Replies: 24
Views: 1839

Re: Traveling to Vegas soon. Advice or Suggestions?

Hi All.. my wife and I will be traveling to Vegas for the first time in June. Just wanted to know if you all could suggest some things to do or places to go, besides Gambling of course. We are both mid 30s. Traveling out there to meet up with 2 other couples as well. Advice on things to do, not do,...
by an_asker
Fri Jan 29, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA without qualifying contributions
Replies: 12
Views: 966

Re: HSA without qualifying contributions

If OP's wife was not even on the HDHP until 2016, how can expenses incurred in 2014 and 2015 be reimbursable? Maybe you know something that I don't, or maybe I am misunderstanding what you are saying. Would you mind elaborating with an example of, say, five years? The minimum data required for an e...
by an_asker
Thu Jan 28, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA without qualifying contributions
Replies: 12
Views: 966

Re: HSA without qualifying contributions

[...] Regarding strategy, if you're using an HSA as a retirement account and want to maximize tax benefit, you do three things: 1) Max it out. 2) Don't take distributions until retirement. 3) When you do take distributions, try to do it with stockpiled receipts. If you do the first two for enough y...
by an_asker
Thu Jan 28, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA without qualifying contributions
Replies: 12
Views: 966

Re: HSA without qualifying contributions

In 2013, only myself and my son were covered by the HDHP. In 2014-2015, my daughter was added. In 2016 the whole family is on it, with my wife doing CoB. [...] Accordingly, qualified expenses incurred before 1/15/2014 are not likely to be viewed as qualified medical expenses for HSA purposes for ei...
by an_asker
Thu Jan 28, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution - upto the match or more?
Replies: 21
Views: 1413

Re: 401k Contribution - upto the match or more?

My 401k might be unusual in that they offer a "True-up" in the following year for any employees that hit the $18,000 max before year-end. That "True-up" usually occurs around bonus time! My employer is not that generous. Infact, if you max out 18k before year end, you wouldn't e...
by an_asker
Thu Jan 28, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Software to combine multiple video or audio files
Replies: 16
Views: 870

Re: Software to combine multiple video or audio files

jimb I type the following command: copy mvi_0068.avi/b + mvi_0083.avi/b test.avi/b I believe your syntax is wrong, should just have one /b, such as: copy /b mvi_0068.avi + mvi_0083.avi test.avi I use it a lot in a series of batch files to semi-automatically merge all the tracks from .mp3 files from...
by an_asker
Thu Jan 28, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Software to combine multiple video or audio files
Replies: 16
Views: 870

Re: Software to combine multiple video or audio files

jimb I type the following command: copy mvi_0068.avi/b + mvi_0083.avi/b test.avi/b I believe your syntax is wrong, should just have one /b, such as: copy /b mvi_0068.avi + mvi_0083.avi test.avi I tried with that syntax as well - no difference. I wonder if there is any issue with Windows Media Playe...
by an_asker
Thu Jan 28, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Software to combine multiple video or audio files
Replies: 16
Views: 870

Re: Software to combine multiple video or audio files

If you use Microsoft Windows and know how to use the command line prompt you can use the COPY command with /B parameter to combine a series of mp3 or other binary files into a single file. If you happen to be using Linux, you can do it from the command line prompt with the CAT command. I'm pretty s...
by an_asker
Wed Jan 27, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Software to combine multiple video or audio files
Replies: 16
Views: 870

Software to combine multiple video or audio files

My question is similar to, yet different from, the one in this thread . Specifically, what I am looking for is free software that can: - string together multiple mp4 videos, and/or - string together multiple mp3 music files For each of these scenarios, if I get the ability to snip out some portions ...
by an_asker
Tue Jan 26, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 3398

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

Paul78 asked: “The stock market has not dropped enough yet for me to go 100/ 0 but it will get tempting soon. At what point, if any, would you considering making the jump if you have 30+ years left to invest?” It’s possible that we may be on the cusp of a “bear market”. Downturns in stock prices, w...
by an_asker
Tue Jan 26, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Dental and vision insurance payments withheld from paycheck, taxed?
Replies: 17
Views: 1507

Re: Dental and vision insurance payments withheld from paycheck, taxed?

OK, I read the links and I do not see why dental/vision insurance is different from health insurance when it comes to exclusion from wages, nor what Section 125 has go to do with any of this tax situation. My inclination is to ask why this Section 125 thing was brought up and ask if it is just side...
by an_asker
Tue Jan 26, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with truecar.com or similar ?
Replies: 26
Views: 1793

Re: Anyone have experience with truecar.com or similar ?

[...]That makes sense. He told me that he could take 75% of purchase price in cash and then to pay off the loan as soon as I got the booklet. I confirmed with the finance guy that there was no early payment penalty and did just that. I never paid a cent of interest. Are you sure about not paying a ...
by an_asker
Mon Jan 25, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with truecar.com or similar ?
Replies: 26
Views: 1793

Re: Anyone have experience with truecar.com or similar ?

Ninnie wrote:[...]TrueCar is not the value it once was,[...]

This.
by an_asker
Mon Jan 25, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6523

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

Warning for the wise: ETF trades are not set-and-forget like mutual funds. I have had a very busy couple of days but was able to put in orders to TLH IEMG to VWO on wednesday using limit orders. Things got busy and it was only today that I could go back and look at my order status. Apparently, the ...
by an_asker
Mon Jan 25, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax boo-boo (Have not previously depreciated rental property)
Replies: 18
Views: 1353

Re: Tax boo-boo (Have not previously depreciated rental property)

Sigh... similar conversation going on in another thread. You should really buy and read this book: Every Landlord's Tax Deduction Guide by Stephen Fishman, published by Nolo. It's all explained in there. I would not be relying on TurboTax guidelines to figure this out. You should amend your returns...
by an_asker
Mon Jan 25, 2016 9:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6333

Re: Where is YDNAL?

bertilak wrote:
LadyGeek wrote:YDNAL last logged in on Jan 12, 2016. His location is listed.

(You must be logged in to follow the link.)

As site admin. maybe you get to see more info than the rest of us.

FWIW, I am not site admin, but I can see a location as well.
by an_asker
Mon Jan 25, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Down A Mortgage or Invest Right Now
Replies: 8
Views: 757

Re: Should I Pay Down A Mortgage or Invest Right Now

I am currently investing around $35k per year into my Solo K along with maxing out my wife and my own IRA's. This past year we purchased a home and I want to pay it off quickly (5-7 years). With the market where it is right now does it make sense to use the money that I've planned to invest into ou...
by an_asker
Sat Jan 23, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2427

Re: Best Credit Card For Monster Hotel Bill

Going to be paying for my daughter's wedding in 2016 at a local major chain hotel. What's the best credit card to pay with? Something with extra back for travel and entertainment? You should've shared this a year or two ago, if possible, for proper card management. I suggest applying for the follow...
by an_asker
Fri Jan 22, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing a 2.75% Mortgage Rate?
Replies: 10
Views: 1710

Re: Refinancing a 2.75% Mortgage Rate?

I'm in year 3 of a Penfed 5/5 at 2.75. Almost same boat as you, similar balance. I'm standing pat, because I don't think rates are going anywhere in this economy and certainly not to 4.75 and even if they do, then I'll just focus on paying it off early. I'll take the benefit of 2.75 for the next 2+...
by an_asker
Fri Jan 22, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7946

Re: Retiring and people seem to aviod me

[...]Take away the label of "retirement" and people won't have anything to react to.[...] ... or learn something from. Take the case of someone who says he retired at 45. Well, when I ask him how so I can learn from his experience, turns out he "retired" from his last "FTE&...
by an_asker
Fri Jan 22, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What would a Boglehead do? (CC Debt Dilemma)
Replies: 62
Views: 3841

Re: What would a Boglehead do? (CC Debt Dilemma)

I will be setting aside one months expenses in my EF. The only other debt I have is student loans which have very low rates (1.68% & 3.2%) and a mortgage @ 4%. I am confused - on an older thread, I see your student loan as 6.8% (or some such). Also, on a (separate) older thread, you have broach...
by an_asker
Fri Jan 22, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 33
Views: 3451

Re: Sold home, TurboTax thinks we made money

Step one: Buy and read this book so you have a better understanding and can speak intelligently with your accountant: Every Landlord's Tax Deduction Guide, by Stephen Fishman. Published by Nolo. Step two: Get an accountant/tax preparer who specializes in investment properties. +1! When we converted...
by an_asker
Fri Jan 22, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 33
Views: 3451

Re: Sold home, IRS thinks we made money

Cuzz is correct. This is a commonly misunderstood aspect to these types of transactions. While the government doesn't want you to claim a deduction for a diminution in value that occurred while the property was used for personal use, they also don't want to tax you if the overall transaction was a ...
by an_asker
Thu Jan 21, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10241

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

-Kroger screwed up. No one else has reported problems (per Kroger) Just because you're the first to report a problem doesn't mean there isn't a problem. I have to wonder how many people are filling up with premium at Kroger. If the premium tank got accidentally contaminated with diesel, you might b...
by an_asker
Thu Jan 21, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10241

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Twins Fan wrote:[...]Is this thread over yet? :happy
[...]

Only when LadyGeek says so ;-)

That aside, I liked the discussion and learned something new (so hopefully LadyGeek does not lock the thread up!) :-)
by an_asker
Thu Jan 21, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10241

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Different people have different habits. Waiting for the light to come on is how many people do it. Why blame OP for doing this? It serves no purpose. Indeed, seems like an odd thing to comment on. I almost never fill up my tank without the gas light on, which comes on typically when there are an en...
by an_asker
Thu Jan 21, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10241

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

OP: Interesting thread. However, I cannot offer any advice.

That said, the Sherlock Holmes in me wants to know if South Carolina is a good "deduction" (for your state)!
by an_asker
Wed Jan 20, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7946

Re: Retiring and people seem to aviod me

Maybe it is just me but for the people that have retired did you notice this just before you retired. I'm not sure if I'm reading people wrong or not but they seem like they feel sorry for me or are jealous. I'm not sure jealous but it is something. I had a guy I have know for a long time and said ...
by an_asker
Wed Jan 20, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: [ I have] overspent this month.
Replies: 30
Views: 4017

Re: [ I have] overspent this month.

I over spent my budget in certain categories for the month.[...] Issue was I pay my savings first and this month I got greedy and transferred more into my savings than I probably should have.[...] From your own confession, you moved more into savings than you should have. By definition, this implie...
by an_asker
Fri Jan 15, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12453

Re: I'm Calling an Emerging Markets Bottom

OK, I will ask my spouse to invest her 2016 Roth IRA contribution 100% into emerging markets. Which ETF should she choose: VWO, DGS, or EWX? She intends to invest today. :-) DGS, it's a nice RBD today too! OK, transaction completed. Thanks! Is this part of your "Instructional Transactions (wit...
by an_asker
Fri Jan 15, 2016 10:21 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7584

Re: I'm sitting here watching FOX Business...14200??

They're saying we're ultimately going to dive to 14200, that's a hard pill to swallow. Would we be in a bear market at that point or a full blown recession? Aren't we in a bear right now? :P We just about entered the mouth. By the time we are digested and get past the bear's guts, it will be 14200 ...
by an_asker
Fri Jan 15, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4691

Re: What's your company 401k contribution

Wow, some (most) of these are insanely generous. We only get 3% right now - 50% match up to 6% of salary. It actually went away completely in 2012 (1 month after I got hired), but came back in 2013. We do have a pretty good pension plan, but we have to put in a 2% contribution to that. I guess that...
by an_asker
Fri Jan 15, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Funny headlines
Replies: 1
Views: 335

Funny headlines

January 13

January 14

January 15 (I predict this will match the one from January 13th) :oops:
by an_asker
Thu Jan 14, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 8953

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

[...]This chart from Business Insider is telling about how people (a) buy high when stocks are popular and rising and (b) sell low in a panic when stocks are unpopular an falling (although I don't like the "you suck" on the chart)... http://static4.businessinsider.com/image/53ea7b5ceab8ea...
by an_asker
Wed Jan 13, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer deposit payroll money into 2015 HSA?
Replies: 3
Views: 386

Re: Can employer deposit payroll money into 2015 HSA?

The maximum contribution includes both employee and employer contributions. Possibly, there might have been two incentives. Maybe she only qualified and received payment for one, but they removed enough for both. Whatever the reason, it sounds like your total employee/employer contribution is below...
by an_asker
Tue Jan 12, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Can employer deposit payroll money into 2015 HSA?
Replies: 3
Views: 386

Can employer deposit payroll money into 2015 HSA?

Here is the situation: My wife's employer has an HDHP/HSA plan. For 2015, we fell under the family HSA category with a contribution limit of $6450 (IIRC) for the year. To maximize our contribution, during open enrollment back in 12/2014, we properly divided the HSA 2015 limit into the number of payc...

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