Search found 61 matches

by bogleraw
Sun Apr 03, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 446

Re: Seeking advice on erroneous Roth IRA contributions for 2015

Thanks DSInvestor for your timely and useful advice! Everything makes sense regarding the steps I should take to fix the excess contributions. Yes, my wife and I have been maxing out our traditional 401(k) contributions at our respective employers all along. I setup traditional IRAs for both of us ...
by bogleraw
Mon Mar 28, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 446

Re: Seeking advice on erroneous Roth IRA contributions for 2015

Thanks DSInvestor for your timely and useful advice! Everything makes sense regarding the steps I should take to fix the excess contributions. Yes, my wife and I have been maxing out our traditional 401(k) contributions at our respective employers all along. I setup traditional IRAs for both of us a...
by bogleraw
Sun Mar 27, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 446

Seeking advice on erroneous Roth IRA contributions for 2015

Hello, I was using TaxAct to file taxes for my wife and I and realized that 2015 was the first year where our combined income was greater than the MFJ limit for Roth IRA contributions ($>193000). In prior years when our MAGI was much lower, we had set up automatic monthly investments to contribute t...
by bogleraw
Fri Jan 22, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1337

Re: Rent vs buy analysis in the Bay Area (South bay)

Thank you all for the great responses. It has given me a lot of food for thought! I was unaware of the AMT thing - that is something I need to learn more about to see if it will really affect us, as I am the only person earning and my wife stays home.
by bogleraw
Thu Jan 21, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1337

Re: Rent vs buy analysis in the Bay Area (South bay)

Yes, I did try the NYT calculator as well as the Zillow calculator, but they don't seem to provide the information I am looking for. Could anybody else who has recently bought in the bay are provide any insight?

Thanks!
by bogleraw
Thu Jan 21, 2016 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1337

Rent vs buy analysis in the Bay Area (South bay)

Hi all, I currently pay $3200 in rent for a 1100 sq. ft townhouse in the bay area. My landlord is pretty chill, has allowed me to keep the rent fixed and is willing to sign a multi year lease if I am interested. Our baby won't be attending kindergarten till he is 5 years old (2019). We are very happ...
by bogleraw
Tue Oct 27, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking life insurance advice
Replies: 10
Views: 754

Seeking life insurance advice

Hello, It is open enrollment season at my megacorp and I'm looking for some advice regarding life insurance. I have an 18 month old baby and my wife stays at home with him. We are all healthy and my wife and I are both 31. My employer offers basic life insurance as well as Accidental Death and Disme...
by bogleraw
Tue Jun 16, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4854

Re: Comfortable shoes for work

Thank you all for your suggestions! Very helpful! :)
by bogleraw
Mon Jun 15, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4854

Comfortable shoes for work

Hello all, I have flat feet and have recently had some problems with aching feet at the end of each work day. For running, I have found Asics to be very comfortable with the gel in the arches, but I don't think they make comfortable shoes for a professional environment. Does anybody have any suggest...
by bogleraw
Tue May 26, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions for spouse no longer working
Replies: 2
Views: 351

Roth IRA contributions for spouse no longer working

Hi all, My spouse was a W-2 employee until April this year. Besides small side income from random gigs, she is not expecting any other W-2 income for the rest of 2015 or in 2016. We usually make monthly contributions to each of our Roth IRAs to max it out each year. Are we allowed to continue fundin...
by bogleraw
Wed Apr 15, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: HSA contribution for 2015
Replies: 3
Views: 668

Re: HSA contribution for 2015

Thank you both for your replies! It makes sense.

Have a great day!
by bogleraw
Tue Apr 14, 2015 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution for 2015
Replies: 3
Views: 668

HSA contribution for 2015

Hello, My wife and I have been employed with Employer A since 1/1/2015. We have each been contributing to HSA's. Since the IRS family contribution limit to HSA for 2015 is $6650, I set my HSA contribution during annual enrollment last year to $3350 and my wife set hers to $3300. Starting next week, ...
by bogleraw
Thu Jan 15, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3612

Re: Taxact ultimate version $6

Thanks OP!

I switched from Turbo Tax to TaxAct last year and had no issues at all. Importing the data for 2014 taxes also worked perfectly.
by bogleraw
Mon Jun 30, 2014 3:55 pm
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1722

Re: Breastfeeding and baby formula

On 4), has your wife been to a lactation consultant? They would have better advice on supply increasing. (Is this medical advice? Is so, mods feel free to remove). shorvath, what you've offered is not medical advice; it's merely a suggestion about where OP and DW might get good advice re her situat...
by bogleraw
Mon Jun 30, 2014 12:28 pm
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1722

Re: Breastfeeding and baby formula

DW and I greatly appreciate all the replies so far and look forward to reading more responses from other parents. DW was relieved to learn that the powder isn't as much as a pain as she thought it would be :) I will explore all options and post back once we settle down with the option that works bes...
by bogleraw
Mon Jun 30, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1722

Breastfeeding and baby formula

Hi all, My wife is having trouble pumping sufficient breast milk each day to satisfy our newborn's needs. As a result, we're going to have to supplement with formula. A few questions for the crowd, particularly new parents: 1) What is the cheapest way to get Enfamil / Similac liquid formula? I'm won...
by bogleraw
Thu May 15, 2014 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: switching from FSA to HSA mid year
Replies: 2
Views: 487

Re: switching from FSA to HSA mid year

*bump* as I am in a similar situation. Hopefully, someone has suggestions!
by bogleraw
Wed May 14, 2014 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1331

Re: Wife's new 401k plan contribution limit

You could put money into an HSA if available. She could use a Roth 401k to effectively get more money into the 401k, if available and your tax situation. We have already been maxing out our HSA's too. Interesting thought about the Roth401k. She DOES have that option available to her, but her 401k r...
by bogleraw
Tue May 13, 2014 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1331

Re: Wife's new 401k plan contribution limit

You could put money into an HSA if available. She could use a Roth 401k to effectively get more money into the 401k, if available and your tax situation. We have already been maxing out our HSA's too. Interesting thought about the Roth401k. She DOES have that option available to her, but her 401k r...
by bogleraw
Tue May 13, 2014 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1331

Wife's new 401k plan contribution limit

Hi all, Thanks to the advice we have received on this site, my wife and I have been contributing the IRS limit ($17500 pre-tax) for each of us + $5500 for each of our Roth IRA's since 2012. This year, my wife had been contributing diligently to the 401k in the job she just left and was on track to m...
by bogleraw
Wed Mar 12, 2014 2:40 pm
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 10745

Re: Verizon to Page Plus - documenting my experience

Glad to hear this helped! We switched 4 months ago and so far so good with Pageplus. I use Pincheap.com to get $80 refills for $74 on each phone. If anybody has cheaper sources, please share :) Thanks to Bogleheads for helping me save money and make the change from Verizon to Page Plus. I've made th...
by bogleraw
Wed Mar 12, 2014 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question in TaxAct
Replies: 10
Views: 630

Re: Tax question in TaxAct

With Taxact, even if you plan to efile you can use the "Print return" option to get pdf versions of the completed federal/state returns to look at line numbers etc.
by bogleraw
Mon Mar 03, 2014 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 297

Re: Taxact schedule A question

montesquieu wrote:Take a look at the Schedule A instructions, page A-3.

My guess is the $32 is the mandatory contribution to the NY worker's compensation fund.


You are right :) Just got an email from Taxact CSR who confirmed the same thing.

Thanks a lot!
by bogleraw
Mon Mar 03, 2014 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 297

Re: Taxact schedule A question

HueyLD wrote:Did you pay $32 in 2013 for year 2012 state tax balance due?


Don't think so - I got a refund from NY state in 2012.
by bogleraw
Mon Mar 03, 2014 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 297

Taxact schedule A question

I'm using Taxact Ultimate for the first time this year (switched from Turbotax). I answered all the questions online and printed my returns so I could look at the PDFs it generated before I eFile. One thing I am not able to figure out is why the "State and local income taxes" under Schedul...
by bogleraw
Thu Jan 30, 2014 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 2274

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

Not sure if this might be of any help, but might be worth looking into??
https://www.ftccomplaintassistant.gov/#&panel1-1
by bogleraw
Fri Jan 24, 2014 9:26 am
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 4536

Re: New Amica discounts available

Does anybody have any experience comparing quotes from Amica with one from Geico? I've got Geico for auto + associated home policy (Travelers). Wondering if it is worth checking out Amica.
by bogleraw
Tue Dec 31, 2013 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 5078

Re: Credit Card Bonuses

I did the $400 Chase Sapphire last January and just did the $400 Barclay card offer last month. Agreed, needs to be $400+ for me in cash or statement credits. If I waited for a $400 card, I'd be waiting forever. You and THY4373 are indeed very special individual. I just started playing the game and...
by bogleraw
Mon Dec 09, 2013 12:50 pm
Forum: Personal Consumer Issues
Topic: Help with creating a website to track costs
Replies: 2
Views: 341

Re: Help with creating a website to track costs

Hi Sunnyday, sending you a PM!
by bogleraw
Mon Dec 09, 2013 11:10 am
Forum: Personal Consumer Issues
Topic: Help with creating a website to track costs
Replies: 2
Views: 341

Help with creating a website to track costs

Hello, As a soon-to-be first time Dad, I recently went through the time consuming task of figuring out expected costs of pregnancy and making the right health insurance choice for us during open enrollment. I have learned much from this forum of bright people and this time I would like to get advice...
by bogleraw
Fri Nov 15, 2013 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1961

Re: Pregnant wife's healthcare option selection

I kept digging a little more on the "husband having HDHP+HSA while wife has PPO+FSA" issue that was brought up earlier in this thread and found: http://www.watsonwyatt.com/us/pubs/insider/showarticle.asp?ArticleID=14756 It looks like IRS Revenue Ruling 2005-25 ( http://www.irs.gov/pub/irs-...
by bogleraw
Thu Nov 14, 2013 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1961

Re: Pregnant wife's healthcare option selection

It is not clear to me why I cannot contribute to an HSA through my health plan if she opens an FSA through her plan. We will both have separate plans (me the HDHP through my employer and her the FSA with her employer if she goes with the GOLD option). So why the restriction? Because her FSA covers ...
by bogleraw
Thu Nov 14, 2013 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1961

Re: Pregnant wife's healthcare option selection

Note that if your wife funds an FSA, it automatically covers you, making you ineligible for an HSA contribution. That means you need to weigh the tax benefits of the HSA, which I don't see factored in here. Weigh a couple of options: ⋅ Wife on your plan ⋅ Child on your plan, wif...
by bogleraw
Thu Nov 14, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1961

Re: Pregnant wife's healthcare option selection

Approaching a 100 views and not a single reply :( Could someone please, pretty please, help?

Thanks!
Bogleraw
by bogleraw
Thu Nov 14, 2013 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 30366

Re: Signing up for health care

Hello OP,

You may find this website useful: http://www.thehealthsherpa.com/

It was built in a few nights by 3 twenty-year-olds in silicon valley. Amazing! You can read more about them here:
http://www.cnn.com/2013/11/11/tech/web/ ... care-site/

Best wishes,
Bogleraw
by bogleraw
Thu Nov 14, 2013 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1961

Pregnant wife's healthcare option selection

Hello all, We're expecting our first little one at the end of May'14 and we're both thrilled! :sharebeer Both of us are going through annual enrollment. By the end of 2013, we will have maxed out each of our HSA for 2012 and 2013. As I continue to be in good health, I plan to stick with my HDHP opti...
by bogleraw
Mon Nov 04, 2013 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: getting that in-person interview
Replies: 18
Views: 1703

Re: getting that in-person interview

My suggestion would be to ignore company A for now and put all your effort towards nailing the interview with company B, so you could have more options to consider in another couple of weeks :)

Best of luck! You'll do great!
by bogleraw
Tue Oct 29, 2013 2:41 pm
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 10745

Re: Verizon to Page Plus - documenting my experience

Have you felt any any significant changes in response time on the 3G vs 4G network? I presume you don't watch movies or play online games, as I don't. I'm planning to switch too and would like to hear some real world experience. I certainly felt the reduction in speed from 4G to 3G, but it's not un...
by bogleraw
Tue Oct 29, 2013 7:40 am
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 10745

Verizon to Page Plus - documenting my experience

Like myself, I'm sure there are many people who are coming off contracts with Verizon and want a cheaper alternative. I am documenting my experience with making the switch from Verizon (VZ) to Page Plus Cellular (PPC) so it can help others. It was a 4 step process that basically took about 24 hours,...
by bogleraw
Thu Oct 17, 2013 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help us with getting started with I-bonds
Replies: 11
Views: 867

Re: Help us with getting started with I-bonds

I just opened up TreasuryDirect accounts for my wife. Is that two accounts, three accounts, or more? Most people have one, unless they have a trust with an account, so that could be considered two (although the Treasury Department considers them two separate accounts for two separate "people&q...
by bogleraw
Thu Oct 17, 2013 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help us with getting started with I-bonds
Replies: 11
Views: 867

Help us with getting started with I-bonds

Hi all, I have about $14k sitting in a savings account that is part of my emergency fund. I've read about using I-bonds as an emergency fund, so I just opened up TreasuryDirect accounts for my wife and I. However, I'm not sure about the best way to transition to doing this. Questions: 1) Should I si...
by bogleraw
Fri Sep 06, 2013 1:17 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Journal recommends Boglehead Forum.
Replies: 6
Views: 1031

Re: Wall Street Journal recommends Boglehead Forum.

To Taylor, Rick and other contributors on this forum, thank you all for your time and effort! :sharebeer
by bogleraw
Thu Jul 25, 2013 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Selling home, can I postpone a mortgage payment?
Replies: 6
Views: 755

Re: Selling home, can I postpone a mortgage payment?

Our mortgage servicing company is Wells Fargo. Although our mortgage is due on the 1st of each month, we have until the 16th of each month to pay without penalty. I use the grace period quite frequently and it has had no impact on our credit scores - at least nothing observed on creditkarma.com.
by bogleraw
Tue Jul 09, 2013 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 20516

Re: How to get over finance envy

I suggest that you guys take a small vacation to a place like Mumbai. Make sure you have a good time but take the opportunity to visit the Dharavi district. Although it is one of the largest slums in Asia, you see hundreds of happy kids playing cricket on the streets and people with smiles on their ...
by bogleraw
Thu May 23, 2013 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Across Companies (Fidelity, Vanguard, etc.)
Replies: 7
Views: 721

Re: Asset Allocation Across Companies (Fidelity, Vanguard, e

We have our stocks spread across mutliple companies. Bonds are only in my 401k, so I rebalance by only changing the % of bonds in that account.
by bogleraw
Fri Mar 01, 2013 7:36 am
Forum: Personal Consumer Issues
Topic: When is the best time to buy an airplane ticket?
Replies: 17
Views: 1505

Re: When is the best time to buy an airplane ticket?

Bing has a fare forecaster called Farecast that crunches past fares in an attempt to predict prices on selected flights in the future. Bing Travel analyzes millions of round-trip flight itineraries daily and intelligently filters airfare data to reveal the best prices and deals. The Bing Travel Pri...
by bogleraw
Tue Jan 01, 2013 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 5552

Re: Should I move from upstate NY to Los Angeles, CA?

Hello all, My wife and I are both very grateful to everyone who replied and we have been reviewing the responses over and over again. This opportunity has consumed our thoughts over the past couple of days. One thing I forgot to mention in my original post is that my wife (then girlfriend) worked in...
by bogleraw
Sun Dec 30, 2012 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 5552

Should I move from upstate NY to Los Angeles, CA?

Hello, I've found plenty of sage advice here on getting our personal finances in order and as of November, we've been well on our way as we started maxing out both 401k's, Roth IRAs and HSA's. Today, I'm asking for more advice on whether I should consider moving out of upstate NY to the Los Angeles ...
by bogleraw
Fri Nov 09, 2012 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 5403

Re: Pregnancy and HSA

Hello all, I just spoke with Optumhealthbank and confirmed that we can do the following: 1) We can fully fund his HSA for 2012 with post-tax dollars (claim when filing taxes) and contribute to his HSA through payroll deductions in 2013. 2) We can fully fund her HSA for 2012 with post-tax dollars (cl...
by bogleraw
Thu Nov 08, 2012 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 5403

Re: Pregnancy and HSA

Thank you bungalow10 and porcupine for bringing the 12-month testing period to my attention. Goes to show how ignorant I have been about this. I will investigate further and repost once things are clearer regarding contributions to wife's HSA and switching from HDHP to PPO.

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