Search found 1281 matches

by an_asker
Fri Dec 09, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Unload Healthcare Fund?
Replies: 36
Views: 2234

Re: Unload Healthcare Fund?

hulburt1 wrote:They give out a lot of dividends at the end of the year. Would hold on until 2017

And why would that be relevant again?
by an_asker
Wed Dec 07, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 45
Views: 2577

Re: Help placing limit order for BND

To the OP, did you ever place your order, and did it get filled? +1! And in case OP is yet to do so, let me share my wisdom, all $0,02 of it. Unlike you, OP, I dabble only in a few handful of shares of an ETF - outside of my automatic investments. How I do it? I look at data for the past week and s...
by an_asker
Tue Dec 06, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Why is actual raw sugar hard to find?
Replies: 25
Views: 2663

Re: Why is actual raw sugar hard to find?

Various sources suggest that "jaggery" or "jagri" is about the same thing and that it can be found in Indian ethnic markets, but I haven't had a chance to visit the nearest one yet. There is nothing called 'jagri'! But yes, I've had jaggery (and have some at home) - much prefer ...
by an_asker
Sun Dec 04, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Need Advice on France for my son
Replies: 12
Views: 794

Re: Need Advice on France for my son

jebmke wrote:
btenny wrote:Make sure he knows it is really cold and wet in France in the winter.

And dark. But you get paid back in the late spring and summer.

I can see where this advice might be worth it to a Floridian, but to a SpartanFan (who is probably living it right now, give or take an hour or so)??!! ;-)
by an_asker
Wed Nov 30, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3181

Re: Disputing fat hospital bill?

I had surgery and a 3 day hospital stay to recover. My amount due after insurance payments is $3500 for the hospital portion and $900 for the physician fee. I think the hospital charge overall was $28k. The itemized bill doesn't include anything that I didn't receive although a lot of those charges...
by an_asker
Tue Nov 29, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5900

Re: Black Friday - is this overdone?

[...]There was just an article in last week's Economist about how Black Friday is spreading to Britain/England/UK/whatever the politically correct term is these days.[...] This made my day. I'm pretty sure that this will set Valuethinker off ;-) Maverick3320, Great Britain/England/UK are three diff...
by an_asker
Tue Nov 29, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5900

Re: Black Friday - is this overdone?

[...]There was just an article in last week's Economist about how Black Friday is spreading to Britain/England/UK/whatever the politically correct term is these days.[...] This made my day. I'm pretty sure that this will set Valuethinker off ;-) Maverick3320, Great Britain/England/UK are three diff...
by an_asker
Tue Nov 29, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5900

Re: Black Friday - is this overdone?

Black Friday has become a "thing" here-- more examples of the internet allowing rapid transmission of social phenomena, in the manner of a cold virus. Great Britain, when it goes big for American culture, tends to grab the worst aspects of same (this may or may not be an example of that p...
by an_asker
Mon Nov 28, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is the advantage of a Revocable Trust (FL)?
Replies: 1
Views: 308

What is the advantage of a Revocable Trust (FL)?

I know a small scale businessman who moved his primary home to a Revocable Trust (in his own name). From what I can tell, however, he has lost his homestead exemption on the house, though he lives there. Is the loss of the homestead exemption being offset by whatever (what?) advantage he gains, such...
by an_asker
Thu Nov 24, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4469

Re: Which Credit card for a large one-time expense?

I would also recommend the Chase Sapphire Reserve and combining it with...drumroll...the Chase Sapphire Preferred. Both have a $4,000 spending requirement for the bonus within the first three months. See if your vendor will accept that. If they do, say hello to 150,000 Ultimate Rewards points. If y...
by an_asker
Thu Nov 24, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4469

Re: Which Credit card for a large one-time expense?

They have a 5 yr 0% payment plan, or an upfront payment cash offer for 10% discount. Why are you fiddling around with all the hassle of finding an extra percent here or there on new credit card when you can get 10% off? What am I missing> I am getting the 10% off for paying upfront. But, want to se...
by an_asker
Wed Nov 23, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 3957

Re: How Much Housing Payment Can a Boglehead Afford?

[...]Thanks for your input. That chart was A) a maximum bound I thought anyone would choose to spend, and B) created carelessly to show formatting. Rather than a mere critique of one number (which I agree personally I would never choose to spend), would you be willing to share what you personally f...
by an_asker
Wed Nov 23, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 3957

Re: How Much Housing Payment Can a Boglehead Afford?

[...] Gross Income Maximum Monthly Housing Payment [...] $150,000 $3,500 [...] Please feel free to specify whatever reasoning you desire for how you arrived at your numbers, but please state numbers in terms of gross income to maximum monthly housing payment if possible. Thanks in advance! This is ...
by an_asker
Tue Nov 22, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA -- what is indirect rollover?
Replies: 6
Views: 509

Re: HSA -- what is indirect rollover?

[...]I share your question, but here is how it would be different. Let's say I ask my HSA to "bill pay" to Fido via ACH, Or ask Fido to transfer via ACH every month. Same things as your last option which you say should be OK... I never see the money. Goes directly from HSA-A to HSA-B. But...
by an_asker
Tue Nov 22, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA -- what is indirect rollover?
Replies: 6
Views: 509

Re: HSA -- what is indirect rollover?

I've got an HSA with Fidelity. I like them. Lots of investment options. No fees (for me). My old company used to contribute directly there. Life was good. My new company uses a different bank. No investment options. Relatively higher fees. I want to get the money from there into Fido, if for no oth...
by an_asker
Tue Nov 22, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Would this be appropriate usage of FSA (dependent care) money?
Replies: 2
Views: 278

Would this be appropriate usage of FSA (dependent care) money?

OK. I screwed up. We have some money leftover in the FSA (dependent care) account that we cannot ordinarily be using as kid's days off from school are pretty limited now through the December holidays, when we are going on vacation. With that in mind, we've a small, but not negligible, amount to burn...
by an_asker
Tue Nov 22, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 15061

Re: Retreat to cash

Markets do not like uncertainty, and it would appear that with the new president, 2017 will bring a period of uncertainty on some major issues. I DO NOT intend this post to elicit a political debate or name-calling contest. I have no leanings one way or the other with respect to political parties o...
by an_asker
Tue Nov 22, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: I just fired my son - trying to teach about hard work and money
Replies: 37
Views: 3871

Re: I just fired my son - trying to teach about hard work and money

snowshoes wrote:[...]Your a worker your selected[...]

Huh?!!
by an_asker
Mon Nov 21, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Cab driver turned down a tip??
Replies: 19
Views: 3511

Re: Cab driver turned down a tip??

Very odd (and puzzling) cab trip from a hotel in the Dallas, TX area to Love Field. This seemed to be a regular metered cab we picked up at our hotel to go to Love Field. The fare seemed very reasonable ($27.55) and I wanted to pay with my VISA debit card (business). The driver had me swipe a smart...
by an_asker
Mon Nov 21, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 1939

Re: Yet another!! HDHP vs PPO qustion.

I get the math... but right now its more of a cash flow problem. Im not the typical poster on these boards with dual incomes and a 7 figure IRA, we are a single income family in a VHCOL state with a lot of expenses right now for the kids school, trying to pay down some debt and a house that needs a...
by an_asker
Fri Nov 18, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 93
Views: 20010

Re: Turn off water heater on vacation?

I would be more interested in finding out how many kWh you consumed - a chunk of the $40 could be the result of low electricity costs and taxes. The last electricity bill shows for 27 days 17.4074 kWh per day at a cost of 12.6 cents per kWh. We were still running the A/C in October. Next month with...
by an_asker
Fri Nov 18, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 93
Views: 20010

Re: Turn off water heater on vacation?

What's your secret? Sunlight and having the energy-efficient house located in temperate climate for November. We have no solar panels (in case you are wondering). Natural gas water heaters help, too, but gas bill averages about $21 a month for the two water heaters and clothes dryer. I would be mor...
by an_asker
Fri Nov 18, 2016 2:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3196

Re: Valuethinker has surpassed 30,000 posts

With the posts already in the Large Cap territory, time to change moniker to GrowthThinker? ;-)
by an_asker
Thu Nov 17, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 1939

Re: Yet another!! HDHP vs PPO qustion.

[...]I think I am leaning towards just keeping the traditional plan since we are in that grey area where its a crap shoot.[...]Doing some simulations with the last 3 years actauls it averages out to about a wash when tax impacts are taken into account, and assuming I don't max the HSA. Whether to g...
by an_asker
Wed Nov 16, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 1939

Re: Yet another!! HDHP vs PPO qustion.

This appears to be a close call, depending on the number of doctor visits. Usually, when I have compared our options, I have noticed that HDHP/HSA combo works best for folks who are either very well, or very sick. If you are in between, then it is a toss up. For instance, I had to be seen by a speci...
by an_asker
Wed Nov 16, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 18
Views: 1167

Re: ringplus mobile premium plans

Ringplus is excellent. I've been with them over a year with no issues. They are always bringing out new plans. I'd consider one of their "mad" plans as they route directly over sprint with no ads. I pay $0 a month - crazy! Some people complain of the latency (slight delay) with the regula...
by an_asker
Tue Nov 15, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 18
Views: 1167

Re: ringplus mobile premium plans - what is your experience?

What kind of allocation are you looking for and what are you looking to pay? I suggest you hang tight for a week to see what happens as there is a lot of uncertainty right now with their shock announcement. I imagine some new plans will be launched shortly to make up for the loss of your plan. What...
by an_asker
Tue Nov 15, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 18
Views: 1167

Re: ringplus mobile premium plans

Ringplus is excellent. I've been with them over a year with no issues. They are always bringing out new plans. I'd consider one of their "mad" plans as they route directly over sprint with no ads. I pay $0 a month - crazy! Some people complain of the latency (slight delay) with the regula...
by an_asker
Tue Nov 15, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2493

Re: After Tax 401k Contributions

This is deep, complex stuff. Not really. There are numerous guides. It's also the case that the withdrawal rules only matter if you take money out of the Roth IRA early. Glad that my plan does not offer after-tax contributions. This is probably one reason why - the amount if time spent training HR ...
by an_asker
Tue Nov 15, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2493

Re: After Tax 401k Contributions

[...]This is true. But do not conflate direct contributions with 401(k) or IRA conversions . We are talking about conversions here, after you have already removed all direct contributions. And for all already-taxed money, you are correct. Only it comes out AFTER you withdraw the money that you paid...
by an_asker
Mon Nov 14, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2493

Re: After Tax 401k Contributions

Not quite. You pay no IRS penalties when you convert after tax $$ into roth. Ever. You only pay penalties when you take a distribution from 401k/roth/ira into a non-tax-advantaged account before age 59.5. You pay tax when you convert not-already-taxed $$ into a roth, in this case it would be any gr...
by an_asker
Mon Nov 14, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2493

Re: After Tax 401k Contributions

tfb wrote:
blackbird123 wrote:Is this true? If so, why would anyone use a taxable account below 53,000 in yearly savings?

It is true. Because they don't know, just like you didn't before you heard about this.

Also, not all 401(k) plans permit after-tax contributions.
by an_asker
Thu Nov 10, 2016 9:13 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 8726

Re: Just don't panic

S&P500 futures suggest that the market is about to give back the gains of the past couple days at the open. An RBD, certainly -- livesoft, you out there? -- but hardly a cataclysm. We shall see. Maybe not even an RBD. I tried to market time a $100 ETF purchase (limit order) and I'm afraid it's ...
by an_asker
Wed Nov 09, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 8726

Re: Just don't panic

Agree it'll all settle down over time. At the risk of market timing, who's buying on the open? I am looking at more than a 5% drop before buying which may not happen. I definitely will be monitoring the market more closely than usual until things stabilize but do not plan on selling anything. A lim...
by an_asker
Wed Nov 09, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 8726

Re: Just don't panic

S&P500 futures suggest that the market is about to give back the gains of the past couple days at the open. An RBD, certainly -- livesoft, you out there? -- but hardly a cataclysm. We shall see. Maybe not even an RBD. I tried to market time a $100 ETF purchase (limit order) and I'm afraid it's ...
by an_asker
Sat Nov 05, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution max per pay period
Replies: 23
Views: 1558

Re: HSA contribution max per pay period

One reason for front loading contributions is because the earnings are tax deferred and quite possibly ultimately tax-free. From the original post, it appeared that the OP wanted to withdraw the money from the HSA asap. I could see some high expenses early in the year, and would rather have money i...
by an_asker
Sat Nov 05, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution max per pay period
Replies: 23
Views: 1558

Re: HSA contribution max per pay period

I fail to see what you stand to gain by contributing up front rather than contributing uniformly throughout the year (assuming you have the finances to pay for your expenses up front). If you have transaction fees to invest, you'd prefer to do it once yearly rather than monthly. If you are transfer...
by an_asker
Fri Nov 04, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution max per pay period
Replies: 23
Views: 1558

Re: HSA contribution max per pay period

One reason for front loading contributions is because the earnings are tax deferred and quite possibly ultimately tax-free. From the original post, it appeared that the OP wanted to withdraw the money from the HSA asap. I could see some high expenses early in the year, and would rather have money i...
by an_asker
Fri Nov 04, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Question - Quarterly Statements
Replies: 10
Views: 929

Re: Question - Quarterly Statements

NDfan27 wrote:[...]Are these companies required to provide quarterly statements or not?[...]

It would be interesting to know which fund company you are talking about. I have no clue of the legal requirements, but all the ones I currently have money in provide at least quarterly statements.
by an_asker
Fri Nov 04, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution max per pay period
Replies: 23
Views: 1558

Re: HSA contribution max per pay period

Spirit Rider wrote:[...]The employeR has nothing to unwind for employeE contributions, it is the employeE who has to remove the excess contribution and claim the income.[...]

I wish all employers were like this. Unfortunately for us, that is not the case! :oops:
by an_asker
Fri Nov 04, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution max per pay period
Replies: 23
Views: 1558

Re: HSA contribution max per pay period

[...]I could see some high expenses early in the year, and would rather have money in my HSA asap. From the above, it appears that you have the money or will have it (one or the other) by the time you get hit with those high expenses. If you are wanting to withdraw it from HSA, you can withdraw it ...
by an_asker
Fri Nov 04, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hard to budget when HI keeps going up [Health Insurance]
Replies: 20
Views: 2591

Re: Hard to budget when HI keeps going up

Teague wrote:And here I was wondering why someone was so concerned about the price of hydrogen iodide.

Maybe HI* is soporific, which would answer the question :oops:

* I am assuming it is a gas
by an_asker
Fri Nov 04, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1394

Re: Visiting San Francisco

Here are some threads on San Francisco. You might get some information from them that might not make it to this thread. :-)
by an_asker
Fri Nov 04, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Hard to budget when HI keeps going up [Health Insurance]
Replies: 20
Views: 2591

Re: Hard to budget when HI keeps going up

goodenyou wrote:
mptfan wrote:If Hawaii keeps going up, maybe you should move to Alaska.


If Hawaii keeps going up, it will be in Alaska.

mptfan said up, not North! If Hawaii keeps going up, that's where everyone from FL can move to when FL goes under (#globalwarming).
by an_asker
Fri Nov 04, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Hard to budget when HI keeps going up [Health Insurance]
Replies: 20
Views: 2591

Re: Hard to budget when HI keeps going up

TimeRunner wrote:Hawaii has been relatively inexpensive because air fares have been reasonable, presumably due to lower fuel costs. Homeowner's insurance has been steady. Not sure what you're beefing about, but then again, my life is acronym city at work. :)

Edit: Health Insurance?

+1! :oops:
by an_asker
Thu Nov 03, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 100
Views: 5720

Re: HSA Family $6,750 limit questions

[...]Let's me just say that I believe, as a lawyer, your reading is seriously strained and implausible. You read your views into text that does not support your views. I'm not going to debate you on your reading as I already stated what I think the text says.[...] ChrisC: Now that you've outed your...
by an_asker
Thu Nov 03, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 100
Views: 5720

Re: HSA Family $6,750 limit questions

My wife has access to a HDHP w/ HSA. For just her, the plan costs $0 and they contribute $600 to the account. For her + me, the plan still costs $0 and they contribute $1,200 to the account. No children. With that said, we want to sign up for her + me through her employer, in order to get the extra...
by an_asker
Thu Nov 03, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense for my wife to work?
Replies: 30
Views: 3290

Re: Does it make sense for my wife to work?

The way SS is currently structured a couple were one person earns the max and the other is a SAHS will come out ahead of 2 people earning half the max. In terms of money into system vs money out of system. By her not having to pay you are saving 6.25% (I think current) on your income over 125k--act...
by an_asker
Wed Nov 02, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense for my wife to work?
Replies: 30
Views: 3290

Re: Does it make sense for my wife to work?

... what I don't get is the benefits that she will get to counterbalance the extra SS deductions. The benefit would be her own SS earning record. True, but I thought the way the law reads, she would be entitled to half of what OP would be getting anyway. So, for her own SS to overtake what she woul...
by an_asker
Wed Nov 02, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense for my wife to work?
Replies: 30
Views: 3290

Re: Does it make sense for my wife to work?

I am a bit confused by the question and the answers. OP, you're saying that your wife is not working right now but/and she's your business partner. I am assuming others are saying that by virtue of running your home, she is actually contributing to your business in her own way. Be that as it may, wh...

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