Search found 1563 matches

by archbish99
Wed Feb 03, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage modification vs refinance - $750 fee seems like a lot?
Replies: 10
Views: 747

Re: Mortgage modification vs refinance - $750 fee seems like a lot?

If you think you might move soon, take a look at PenFed's 5/5 ARM as well. Currently at 2.625% for the first 5 years, then adjusts a maximum of 2% every five years thereafter. I don't think they have their "zero closing costs" deal any more, but there's no origination fee, anyway.
by archbish99
Mon Jan 25, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 91
Views: 10557

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

Is YNAB all online or are the 2 separate versions? There are two versions. YNAB4 was desktop software which optionally used Dropbox for sync with the mobile clients. All the docs about it are still available at http://classic.youneedabudget.com/, though I don't see an obvious "purchase" l...
by archbish99
Wed Jan 20, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 91
Views: 10557

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

No, there's no conversion (even from old versions of YNAB at the moment, though they're working on that). The storage is in AWS, and there's been no stated limit. They have declined the idea of attaching receipt images to transactions for now, because of the space it would consume, so I would conclu...
by archbish99
Mon Jan 18, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 91
Views: 10557

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

The new (online) YNAB has history for as long as you've entered it. While they won't download your history from forever ago, once you've started using it, it doesn't look like anything gets thrown away.
by archbish99
Thu Jan 14, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Value in different 401k investments between subaccounts?
Replies: 2
Views: 222

Re: Value in different 401k investments between subaccounts?

I haven't needed to worry about it because I've been all fixed income contributions over the past few years but in your case I would have the after tax all in fixed as the time out of market when you roll it over won't matter much since you didn't sell any stocks. There's actually no time out of th...
by archbish99
Wed Jan 13, 2016 6:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 325
Views: 160269

Re: Suggestions for the Wiki

https://www.bogleheads.org/wiki/Purchase_fee lists four funds as charging a purchase fee, but Vanguard lists five. The wiki is missing Tax-Exempt Bond Index Admiral Shares (VTEAX).
by archbish99
Tue Jan 12, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Value in different 401k investments between subaccounts?
Replies: 2
Views: 222

Value in different 401k investments between subaccounts?

My 401k recently introduced the ability to limit transactions to a particular sub-account, or to assign different investment allocations to various sub-accounts. I've re-read the Tax-Efficient Fund Placement wiki page, and I'm still not sure whether this is worth the effort. At this point, I have fi...
by archbish99
Wed Dec 23, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Private (Intrafamily) Mortgage
Replies: 11
Views: 951

Re: Private (Intrafamily) Mortgage

How would capital gains be structured in intrafamily mortgage situation? He wouldn't be receiving $200,000 for the property up front, so would he pay capital gains on the principal part of our payments? Think of the money flow in stages, not in net amounts. The mortgage and the home purchase are tw...
by archbish99
Tue Dec 15, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 5439

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

Nobody has suggested simply not reporting the money at all. I'm assuming it's because I made it clear in the OP that I wanted a legal course of action. I certainly don't want anyone to help me break the law, but what's the consequences of not reporting it? A possible penalty and the owing of the ta...
by archbish99
Sun Dec 13, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 5439

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

if you are "friendly" with your boss, ask him to ask his "CPA" for a written, signed opinion to support his recommendation. That way, if the IRS ever comes calling, your friendly boss will have an written (cya) excuse and be able to request that the IRS waive penalties for under...
by archbish99
Fri Dec 11, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 14248

Re: Boglehead cell phone strategy

I'm a fan of the MVNOs, in particular I these days I use Ting. It's on Sprint, you can bring in virtually any Sprint phone (or buy one) including iPhones. Pricing is very reasonable, no contracts, and billing is automatically based on amount of usage of each category (minutes, data, texts) for each...
by archbish99
Fri Dec 11, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid FICA taxes 2013 and 2014
Replies: 4
Views: 399

Re: Overpaid FICA taxes 2013 and 2014

No -- Medicare has no limit, only SS. Yes, you would need to amend your return and take the credit for SS overpayment.
by archbish99
Thu Dec 10, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 5439

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

I would report it on Schedule C. Otherwise you are complicit in fraud. Isn't reporting it on Schedule C, knowing that it isn't self-employment income, also a type of fraud (i.e., helping cover up the illegal activity of the employer)? I'm not sure the IRS cares, as long as they get their money, but...
by archbish99
Tue Dec 08, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can a couple retire at age 53
Replies: 40
Views: 3916

Re: Can a couple retire at age 53

3. Total Social Security of $30K per year at age 62 will start (Each getting an average of $15k each) Yes, you certainly can afford to retire. However, I note that you've planned to start Social Security at age 62. Typically, married couples benefit from deferring at least the higher-earning partne...
by archbish99
Tue Dec 01, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fitness + Medical Reimbursement
Replies: 0
Views: 573

Fitness + Medical Reimbursement

My employer provides an HDHP and HSA, which of course can be used to reimburse out-of-pocket expenses for medical services. It can't be used to reimburse expenses which have been reimbursed by insurance, such as the HDHP. My employer also provides a program to reimburse fitness expenses (treadmills,...
by archbish99
Tue Dec 01, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44022

Re: Free Windows 10 Upgrade, Yes or No?

Been running 10 for something like 6 months. Just the other day 2 updates asked to download and install, told it to go ahead. After the first, which was for the touchpad, I saw the 2nd one was huge, on checking further it was win 10pro. Took a quick look and MS is charging something like $150. No r...
by archbish99
Tue Dec 01, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44022

Re: Free Windows 10 Upgrade, Yes or No?

Yeah -- Virtual PC was free, and Hyper-V is free in Win10 Pro or better (assuming capable hardware -- Virtual PC could be a little more forgiving on processor capabilities). The main advantage of "XP mode" was that you got an XP license bundled with your Win7 license. I don't know the lega...
by archbish99
Mon Nov 30, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44022

Re: Free Windows 10 Upgrade, Yes or No?

BigFoot48 wrote:Build 10586 is the original release version. There was a major update in November but getting it may take time.

Quick correction -- 10240 is the original version, 10586 is the November Update.
by archbish99
Mon Nov 30, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: 29 and 28 year old portfolio help
Replies: 9
Views: 1355

Re: 29 and 28 year old portfolio help

Generally is is advised to keep the money for a down pyamnet of the house outside of the tax-advantaged retirements accounts and in non-risky investments. (I.e. avoid equity etc). I believe the OP means equity as in the excess value of their current residence beyond the amount of their mortgage, no...
by archbish99
Thu Nov 26, 2015 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 29 and 28 year old portfolio help
Replies: 9
Views: 1355

Re: 29 and 28 year old portfolio help

Figure out your priority between Traditional, Roth, debts, and taxable savings. Then use your accounts up to their limits in that order. Traditional probably over Roth in your tax bracket. I'd do debts in interest-rate order after Roth, though there's a case for smallest-balance first to maximize ca...
by archbish99
Mon Nov 23, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Preference between Roth 401k and Traditional 401k
Replies: 15
Views: 1098

Re: Preference between Roth 401k and Traditional 401k

Personal exemptions. Standard or itemized deductions. There is an amount which isn't taxable, then more at the lower brackets. The decision leans toward Traditional a lot of the time, because unless you have other retirement income, you're comparing the total tax rate in retirement against the margi...
by archbish99
Mon Nov 16, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Employee stock purchase plan
Replies: 13
Views: 1048

Re: Employee stock purchase plan

This is a tough one. Can you imagine a Microsoft employee given advice in the 1980's to limit company stock to 5% of his or her net worth? In retrospect, it would have been dumb advice. If you are with an emerging company and particularly if you are in an emerging industry, you might think hard abo...
by archbish99
Mon Nov 16, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP Deductible Met, how to benefit
Replies: 12
Views: 886

Re: HDHP Deductible Met, how to benefit

Rejoice that it's only the deductible you're hitting. I've typically had this conversation with folks who've hit the out-of-pocket max. And I've been that person, telling the surgeon that we really needed to get me in before New Year's if at all possible. Personally, I take it as given that we will ...
by archbish99
Mon Nov 16, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and ACA
Replies: 15
Views: 1350

Re: HSA and ACA

elwing wrote:Short answer: we're happy with it - except never knowing how much we're going to pay for something....

Well, that's true with nearly any insurance, I think. Unless you've got a flat co-pay model, but that seems more common with HMOs.
by archbish99
Mon Nov 16, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and ACA
Replies: 15
Views: 1350

Re: HSA and ACA

My employer mandated the switch -- I held on to the old plan for as long as allowed, since it was slightly net better for anyone who would exceed the deductible. That said, I have no complaints. Here's how I handle it: ⋅ I save up over the year to make the maximum contribution to the HSA a...
by archbish99
Thu Nov 12, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Starting Salary
Replies: 31
Views: 3088

Re: Negotiating Starting Salary

And there's a big difference between demanding more and asking them to help you justify working there. I may have pre-loaded the salary negotiation -- I wasn't expecting the "anticipated salary" question when I applied (dumb college student!), and polled a few friends in similar industries...
by archbish99
Thu Nov 12, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Want to retire in less than 2 yrs, think I can?
Replies: 16
Views: 3413

Re: Want to retire in less than 2 yrs, think I can?

I'm a little confused. What is your total amount that you need to live on? If it's $55k, that's easy -- Social Security and her pension already cover it. Or is it on top of her pension? Or you anticipate needing $35k pension + $23k SS + $55k other sources = $113k/year? Regardless, I'd break the reti...
by archbish99
Thu Nov 12, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Have FSA with money rolling over to 2016, but now want HSA. Possible?
Replies: 11
Views: 667

Re: Have FSA with money rolling over to 2016, but now want HSA. Possible?

I believe you can begin to contribute to the HSA on 4/1/2016, but not before then. If you carryover any amount in the FSA to 2016, then you'll have to wait till 4/1, even if you withdrawal the FSA money before then. No. OP is asking about the new rules which allow unused money in a 2015 FSA to roll...
by archbish99
Thu Nov 12, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Re: Accidental IRA distribution => Rollover?

I think they may also have been tripped up by this language: ...an individual receiving an IRA distribution on or after January 1, 2015, cannot roll over any portion of the distribution into an IRA if the individual has received a distribution from any IRA in the preceding 1-year period that was rol...
by archbish99
Thu Nov 12, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Re: Accidental IRA distribution => Rollover?

Follow-up question here -- Vanguard says that the 60-day period for a rollover starts from the first distribution from any IRA, and since we took the RMD earlier in the year, we can't do a rollover now even though we're less than 60 days since this distribution. I asked them to point me to anything ...
by archbish99
Tue Nov 10, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: Statute of Limitations on Medical Billing?
Replies: 13
Views: 2749

Re: Statute of Limitations on Medical Billing?

An update on an old thread -- I took a few minutes and called a few of my "old moldy" medical bill holders, where they'd processed through insurance but never billed me. ⋅ One had excessive wait times, so I submitted a request on their web site. Haven't heard back yet. ⋅&nbs...
by archbish99
Tue Nov 10, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and ACA
Replies: 15
Views: 1350

Re: HSA and ACA

As far as I can tell, the existence of an HSA has nothing to do with billing. Your insurance company should provide you with an EOB that includes any reductions based on negotiated pricing and such and which clearly shows, "Your Responsibility", amounts. Bolder Boy makes a distinction tha...
by archbish99
Tue Nov 10, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Charge cards- when do you have to pay?
Replies: 33
Views: 2551

Re: Charge cards- when do you have to pay?

Let me suggest that, whether you get the card or not, if you're contemplating timing of the bill being due and money being tight in a given month, you may not have a solid handle on your cash flow. Take a look at You Need A Budget, because you do.
by archbish99
Fri Oct 30, 2015 5:01 am
Forum: Investing - Help with Personal Investments
Topic: Employer now offering their discounted stock purchase plan?
Replies: 31
Views: 2449

Re: Employer now offering their discounted stock purchase plan?

I don't see a minimum holding period, so I'd probably go for it. Don't be scared of the "disqualifying disposition" stuff -- you're making money, it's taxable, big deal. Main thing I don't care for is that with only one-month offering periods, you'll incur a sale commission each month; tha...
by archbish99
Sat Oct 17, 2015 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for cashing in I-bonds early
Replies: 21
Views: 2039

Re: Strategy for cashing in I-bonds early

Sounds accurate. The bonds you cash will have been earning 0% for three months, regardless of what rate they were supposed to earn. If they were already earning 0%, that's not much of a loss.
by archbish99
Mon Oct 12, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance for college kid
Replies: 67
Views: 3300

Re: Allowance for college kid

My parents initially gave me about $200/month, plus car insurance, textbooks, and access to a calling card (remember those?) to call home. My scholarships covered tuition, room, and a basic meal plan when I started -- increasing fees made it cover only tuition by the time I graduated. That $200 cove...
by archbish99
Mon Oct 12, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44022

Re: upgrade to Windows 10?

Compatible with Chrome for most sites. Some neat unique features, but no plugins. Mostly a matter of taste.
by archbish99
Sat Oct 10, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - 2 individual plans vs family plan, non-embedded deductibles
Replies: 1
Views: 265

Re: Health Insurance - 2 individual plans vs family plan, non-embedded deductibles

I don't really see a downside to the split policies (though you'll have to maintain two HSAs). In the worst case (expenses split equally) they're equivalent; in the "best" case you come out better.
by archbish99
Thu Oct 08, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 6593

Re: Tax Loss Harvesting: How do you do it in practice?

The confusing piece will be wash sale rules. Every 30 days you can TLH, but you can only go one direction, or you'll be buying the same thing you're selling.
by archbish99
Wed Oct 07, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108382

Re: Vanguard sued for charging too little

Lost in this 10 page debate, are the questions of whether Vanguard the corporation and Vanguard the mutual funds even qualify as related organizations, subject to transfer pricing rules, to begin with. IIRC, they all have the same board members. That could change, certainly, if they wanted to try b...
by archbish99
Tue Oct 06, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of 2 lower income years in early retirement ?
Replies: 58
Views: 4582

Re: How to take advantage of 2 lower income years in early retirement ?

Yes -- each month you're suspended counts as if it were a month you'd waited to claim. So having received SS for 1-2 months before suspending will end up the same as if you'd claimed 1-2 months before age 70. The other advantage for Roth conversions is that you can precisely hit the 15% bracket, bec...
by archbish99
Mon Oct 05, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA?
Replies: 14
Views: 1167

Re: PPO or HSA?

My employer allows a lump-sum from payroll out of the first paycheck of the year (or, I presume, the first paycheck of a new-hire). So a lump sum doesn't necessarily lose the FICA savings. Also, if you're past the SS cap, that savings is only about $100 -- nothing to sneeze at, but also not world-en...
by archbish99
Sat Oct 03, 2015 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does timing of IRA transfer from Traditional to Roth matter?
Replies: 15
Views: 397

Re: Does timing of IRA transfer from Traditional to Roth matter?

Timing with respect to the ex-dividend date doesn't matter; timing with respect to market movements does. Converting $10k to Roth on the lowest day of the year gets a larger percentage of your Traditional IRA converted at the same price compared to $10k converted on the lowest day of the year. Of co...
by archbish99
Fri Oct 02, 2015 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Re: Accidental IRA distribution => Rollover?

Obviously. The MM is in the IRA; there isn't a concept of "sweep account" outside of brokerage that I can find, unless you have one of the combined MF/brokerage accounts (we don't). For each fund, you pick whether you want proceeds to be reinvested, go to a different fund (MM is an option ...
by archbish99
Fri Oct 02, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Re: Accidental IRA distribution => Rollover?

Not terribly much -- under $300. I wouldn't need to front the money out of pocket -- I have access to the taxable account as well, so I could just transfer it from there.

I keep their money and mine far apart, just to avoid any confusion.
by archbish99
Fri Oct 02, 2015 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Re: Accidental IRA distribution => Rollover?

There is a MM fund which is the sweep account for the brokerage stuff -- they just didn't use it. I haven't called to complain about that, but if i can't flag it as a rollover on the web site, I'll have to call anyway....

And to the timing question, the distribution was last week -- 9/24.
by archbish99
Fri Oct 02, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental IRA distribution => Rollover?
Replies: 13
Views: 781

Accidental IRA distribution => Rollover?

In my father's IRA which I manage, I had fund A set to direct its distributions to fund B. Later, I exchanged everything out of fund B, so there was no fund B for the distribution to go to. When fund A paid out dividends at the end of this past quarter, Vanguard apparently sent a check directly to m...
by archbish99
Fri Oct 02, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Primary Care Premium
Replies: 20
Views: 1580

Re: Annual Primary Care Premium

I for one, appreciate the value of a PCP that knows me and wants "my business." The idea of your own personal physician is fading fast. Patients don't know what they are missing. Instead they will interact with a rushed Primary care doc, if not a NP or PA, who is more interested in genera...
by archbish99
Thu Oct 01, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Primary Care Premium
Replies: 20
Views: 1580

Re: Annual Primary Care Premium

I also had my PCP jump to the concierge model. I also declined to follow. We have excellent insurance, and I don't feel the need to pay a retainer on top of the premium, deductible, and coinsurance. Another office my wife visited offered a model where, for a flat annual fee, they would include a cer...
by archbish99
Thu Oct 01, 2015 1:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108382

Re: Vanguard sued for charging too little

Inverted ownership because RICs are required to be independent corporations, and Bogle wanted the management company beholden exclusively to fund shareholders -- no shareholders of the management company, no private owners, just the funds. I'm sure there are other arrangements that could achieve the...

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