Search found 1582 matches

by archbish99
Fri Jul 01, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 8626

Re: How to get a real Chip and Pin card?

It seems like there are levels within Chip & Pin, and people disagree about how far down the road you have to go to be considered "real." ⋅ Supports online PIN in addition to signature ⋅ Supports offline and online PIN in addition to signature ⋅ PIN prefer...
by archbish99
Wed Jun 29, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Internal Position - Wasn't Interviewed
Replies: 33
Views: 3235

Re: Applied for Internal Position - Wasn't Interviewed

Depends what you have in writing and how big a stink you want to make, I suppose. Suing a current employer with whom you wish to remain employed, however, is not generally a wise tactic, even if the law might be on your side. I'd start by keeping this a personal issue amongst the people involved, in...
by archbish99
Mon Apr 18, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62675

Re: Free Windows 10 Upgrade, Yes or No?

Fast start basically replaces a traditional shutdown with logoff-and-hibernate unless the system has a reboot pending (e.g. for updates). In my simple mind, "on" means "on" and "off" means "off." I guess with Windows 10, "off" really means "hib...
by archbish99
Fri Apr 15, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62675

Re: Free Windows 10 Upgrade, Yes or No?

I had an annoying problem of the machine shutting down on the first boot-up and then starting flawlessly the second time. That problem was solved by turning off fast start. You sure this wasn't some kind of resume from hibernation or sleep mode bug? Almost certainly an issue with hibernation. Fast ...
by archbish99
Fri Apr 15, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 28
Views: 3556

Re: Win 10 issues [Windows 10]

You'd have to be more specific.... Do you want to disable the touchscreen, or a specific app's behavior when you pinch, or...?
by archbish99
Tue Apr 05, 2016 7:24 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 7669

Re: Are you planning to leave an "estate"?

In some respects, it is security, or at least the likely outcome of security. If you have accumulated enough that in your worst-case scenario you don't run out of money, in the majority of cases you will have money (often a substantial amount) left over.
by archbish99
Tue Apr 05, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 3877

Re: Paying for kid's graduate school?

Middle-ground: Loan him the money. Match the terms of the most generous student loans (deferred payments and interest while in school, for example), but draw up a loan contract and sign it. You always have the option of partially or totally forgiving the loan later, after all. (The caveat here is th...
by archbish99
Thu Mar 31, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 5550

Re: Windows 10

Happy to help! BTW, I think the FAQ is actually referring to the actual Windows 7 software -- the one you point to describes other types of keys which aren't compatible with the Windows 7 ISOs also available for download at that site. Not the clearest possible, when you can now use a Win7 key with W...
by archbish99
Mon Mar 28, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 5550

Re: Windows 10

Thank you for the link which I was unaware. I checked however and in their FAQ section it says that I need a product key which I do not have since it previously had a factory install of Windows 7. The FAQ says creating a USB install disk will not work in that instance. I believe that to be incorrec...
by archbish99
Wed Mar 23, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Tax Implications for 529 Plan Contributions
Replies: 1
Views: 219

Re: Gift Tax Implications for 529 Plan Contributions

No, I don't believe so. You can contribute directly to the 529, in which case it's considered a gift to the beneficiary but your son gets no tax benefit. Or, you can give to your son, in which case it's a gift to him and you're over the $14k annual exclusion for annual gifts to him. However, there's...
by archbish99
Wed Mar 23, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Contractors and Tax Evasion
Replies: 5
Views: 784

Contractors and Tax Evasion

Let's say that you have a handyman, properly licensed, who has done good work for you in the past and you're generally happy with. However, he's recently revamped his pricing and now charges $XX/hour if paid by check -- or $YY/hour if paid in cash. The obvious assumption is that he "can" c...
by archbish99
Mon Mar 21, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 5550

Re: Windows 10

I used to have a laptop before Microsoft killed it. It had Windows 7 and I didn't catch the update for 10 and it proceeded with the install. Next thing I know, the laptop just keeps rebooting over and over never progressing further in the install. The only way forward now (according to several foru...
by archbish99
Thu Mar 10, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Re: Recharacterization with Multiple Accounts at Vanguard

For the purposes of recharacterization, Vanguard treats all Roth IRAs as a single account, and looks at the account totals as of the date of each conversion in calculating the gain/loss for a recharacterization. I think you mean to say: For the purposes of recharacterization, Vanguard considers all...
by archbish99
Wed Mar 09, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 8626

Re: How to get a real Chip and Pin card?

As part of my Delta AmEx switch to an EMV chip, I was told that if I'm prompted for a PIN, I should enter the CVV code from the front of the card. That implies the card is willing to negotiate PIN, though I haven't actually had that happen.
by archbish99
Wed Mar 09, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Re: Recharacterization with Multiple Accounts at Vanguard

I am wondering, when you did the conversion, was it one transaction (confirmation number) or the same date when you took money out of the TIRA and put it into 3 empty (new) Roth accounts? If so, that would account for the recharacterization having to look at all three Roths. Each time I convert, I ...
by archbish99
Tue Mar 08, 2016 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Re: Recharacterization with Multiple Accounts at Vanguard

Is it possible to get an actual separate account, and not just a subaccount? It has its own account name, account number, etc., all of which made me think I had a separate account.
by archbish99
Tue Mar 08, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Re: Recharacterization with Multiple Accounts at Vanguard

No; the Roth accounts are all MF; no brokerage, so no MM funds.

In my case, there are three accounts, each with a different asset class. Two had conversions and recharacterizations, but all three were included in the balance calculations.
by archbish99
Tue Mar 08, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Re: Recharacterization with Multiple Accounts at Vanguard

No; every time I run across the migration page, it says I'm not eligible yet. Wish it would tell me why I'm not eligible.... The website has been updated, but I still have separate mutual fund and brokerage accounts. Good to know it's a problem they've probably solved in the future platform, at least.
by archbish99
Tue Mar 08, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 21
Views: 1597

Recharacterization with Multiple Accounts at Vanguard

I attempted to do the split account technique described here (among other places) this past year. When Vanguard calculated the amounts to transfer back to Traditional, however, they came up with different numbers than I did. I called to inquire about the difference, and learned something interesting...
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: 13
Views: 1380

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: 105
Views: 14291

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: 105
Views: 14291

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: 105
Views: 14291

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: 290

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: 345
Views: 170348

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: 290

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: 1101

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: 6459

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: 6459

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: 17284

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: 503

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: 6459

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: 4314

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: 612

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: 528
Views: 62675

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: 528
Views: 62675

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: 528
Views: 62675

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: 1574

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: 1574

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: 1333

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: 1292

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: 1021

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: 1600

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: 1600

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: 3494

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: 3683

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: 844

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: 941

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: 941

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: 3979

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...

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