Search found 56 matches

by darkhorse
Fri Dec 02, 2016 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Adjacent property is for sale. I have questions, please
Replies: 3
Views: 619

Re: Adjacent property is for sale. I have questions, please

I am fairly inexperienced but i will take a bite based on what i have read 1. No added advantage to have your agent if you know property well. On the flip side, if you don't have an agent and sellers agent it's going to get all commission she may push sellers to lean towards your reasonable offer. Y...
by darkhorse
Mon Oct 10, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting Baby #2, Please Evaluate my HealthPlan Choice
Replies: 2
Views: 404

Re: Expecting Baby #2, Please Evaluate my HealthPlan Choice

I might have missed it but did you take into account; 1) If you wife changed plans after the birth then she would have to start the deductible and out of pocket for 2017 all over with the new company. Once she paid those then all over again I am not sure what any savings would be. 2) Many plans hav...
by darkhorse
Fri Oct 07, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting Baby #2, Please Evaluate my HealthPlan Choice
Replies: 2
Views: 404

Expecting Baby #2, Please Evaluate my HealthPlan Choice

Hello fellow bogleheads, I am in open enrollment and trying to figure out best options to choose. Background situation : Family: Me, Wife, Kid#1 2 year old no chronic conditions for any Kid #2 expected last week of January Job: Me: stable, will continue Wife: Stable, will likely stop working after s...
by darkhorse
Wed Aug 03, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6266

Re: Points/Miles Schemes - Waste of time or worth it?

I play the miles and points game. It has been extremely rewarding for me. I've actually spent more on travel as a result because I travel a lot more because miles and points collecting makes it cheaper to travel. I was under employed for 3 years with my gf/now wife. We visited 32 countries on 4 con...
by darkhorse
Mon Jun 13, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Issue, Help Please
Replies: 17
Views: 2099

Re: Medical Billing Issue, Help Please

Thank you for all the reply, have been in contact with billing agency and keeping log of it. The billing is outsourced but able to use online chat to get their input. I plan to contact insurance company next to understand what was submitted and whether it is covered or not. Thank you all, this forum...
by darkhorse
Sun Jun 12, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Issue, Help Please
Replies: 17
Views: 2099

Medical Billing Issue, Help Please

Dear All, I am in a mess that I have not been able to find my way out of it, and will highly appreciate the help. Wife had to undergo procedure at hospital based outpatient radiology. The procedure was requested by her clinic doctor with specific diagnostic code. We were billed separately by hospita...
by darkhorse
Wed Apr 20, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 6077

Re: avoiding inactivity fee

A couple questions regarding avoiding the inactivity fee: - activity needs to occur at least every 90 days, correct? - is there a minimum amount for the transaction to "count"? - does it matter if the transaction is a debit or credit? Thanks! I have a $2 bi-monthly recurring transfer to e...
by darkhorse
Sat Mar 05, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Online Saving Bank with Soft Pull Emergency saving
Replies: 2
Views: 536

Online Saving Bank with Soft Pull Emergency saving

Hello fellow bogleheads, hope things are well. I am looking for an online savings account for emergency cash. Would like to still be able to earn ~1 % interest. However, I would like to avoid hard pull to open the account (which I think happens with Ally - please correct me if I am wrong) Thank you ...
by darkhorse
Sat Mar 05, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1366

Re: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?

livesoft wrote:
darkhorse wrote:
htdrag11 wrote:You should at least edit the title of the thread. :mrgreen:


Done, :happy

... to fix the typo. :( Right now the title suggests you have $499.94 left in your non-deductible traditional IRA.


Fixed too, sorry overlooked it
by darkhorse
Sat Feb 13, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1366

Re: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?

htdrag11 wrote:You should at least edit the title of the thread. :mrgreen:


Done, :happy
by darkhorse
Fri Feb 12, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,
Replies: 10
Views: 1366

Solved: Backdoor Roth Conversion of 5500.06 instead of 5500,

Dear fellow bogleheads, I did roth conversion in kind transfer from prime money market acount from non deductible tIRA to Roth IRA for 2016 over the phone yesterday. I specified that I would like to roll over 5500 however, the posted transaction in my roth account shows 5500.06 Having searched the f...
by darkhorse
Fri Dec 11, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need LOTS of help......
Replies: 10
Views: 1382

Re: Need LOTS of help......

Here is my basic situation.... I am 45, single with no children, and have steady income with absolutely no debt. I have no investments, no ira's, nothing. I do own 3 properties outright with no mortgage and now have 75K that I need to put in some things. Can you please give me some suggestions on w...
by darkhorse
Tue Nov 24, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

I too would just go ahead and convert Her $3k 403b to Roth IRA. That account is just going to be a nuisance. The exception would be if she is likely to have future 401k/403b or IRA money that she might want to roll into that good 403b (if that good 403b will accept rollovers). Truth is, that custod...
by darkhorse
Tue Nov 24, 2015 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Her 403b small ~3k portfolio in target dated fund from old employer We are leaving it there rather than rolling over to IRA to utilize back door IRA, no administrative fees with previous employer Accounts worth less than $5K can be removed from employer plans. Are you sure it'll be fine where it is...
by darkhorse
Sun Nov 22, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Questions about the accounts: Is the 457b governmental? Is there employer matching for your 401k? 1. Yes 457b is governmental with TN 2. For 401k with employer 1: match of 4% for 5% contribution from my side, employer 2: match of 5 0 dollar per month. I get most of my salary from employer 1 and I p...
by darkhorse
Sun Nov 22, 2015 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

I skipped to the questions. I don't think the other stuff is relevant. If you are worried about your Roth being all international or all US stocks, you can stop worrying. Although it would be slightly better if the Roth were all small-value, being all international or all US stocks is a very close ...
by darkhorse
Sun Nov 22, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account Suggestions
Replies: 10
Views: 1233

Re: Joint Checking Account Suggestions

Hi Bogleheads, The girlfriend and I will be moving in as of December 1st. Our plan was to have a joint checking account for rent, utilities, groceries, and when we are out doing things together. We will keep separate finances, just share this account for joint expenses. Any recommendations on the b...
by darkhorse
Sun Nov 22, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Help needed with portfolio - overwhelmed by choices

Any thoughts on portfolio fellow bogleheads? Thank you :sharebeer These should help: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts Keep it as simple as possible. Skip the REITs for now. Thank you for the wiki lin...
by darkhorse
Sat Nov 21, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: My employer doesn't match 401(k) - Thoughts?
Replies: 13
Views: 817

Re: My employer doesn't match 401(k) - Thoughts?

I think open 2: using two funds in 401k is a resonable option. I think you can go for 80/20 split unless you are trying for small cap tilt
by darkhorse
Sat Nov 21, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $ from 403(b)??
Replies: 20
Views: 1484

Re: Transferring $ from 403(b)??

Having them switch providers is a major change for the CFO and a real pain. You are unlikely to get him to agree to that. Having the existing provider add an index fund is a minor change. That is much more likely to succeed. Especially if the new plan is non-default (so only expense aware people wh...
by darkhorse
Sat Nov 21, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds IRA, Help!
Replies: 10
Views: 915

Re: American Funds IRA, Help!

Switch to Vanguard, use regular or admiral mutual funds depending on your balance
by darkhorse
Fri Nov 20, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Re: Help needed with portfolio - overwhelmed by choices

These should help: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts Keep it as simple as possible. Skip the REITs for now. Thank you for the wiki link, I reviewed it and found it very useful. Any comments on DFA vs...
by darkhorse
Fri Nov 20, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)
Replies: 12
Views: 1843

Please Help needed Choosing Portfolio across plans: Two 401ks, 457b, Roth and 401a (updated)

Emergency funds: Three months of expenses ( building it up with goal of 6-12 months) Debt: ~12 k Autoloan @ 2% ~ 35k loan from relative @ 0% Currently renting no mortgage Tax Filing Status: Married Filing Jointly Tax Rate: 33% Federal, 0% State State of Residence: TN Age: 31 his 32 her Desired Asset...
by darkhorse
Fri Nov 20, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1408

Re: Interesting Dilemma with returning loan to relative: how to invest

Thank you for the input. I have given them the resources and started paying the money. I figured they will be likely to stick with the plan if it is the one that they came up with. Thank you for all the input. Please think about how this sounds to your relative: Me: "Thanks for loaning me $45k...
by darkhorse
Thu Nov 19, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1408

Re: Interesting Dilemma with returning loan to relative: how to invest

I know that they will handle the volatility just fine as they don't check in their funds in 401ks and this is going to be set it and forget it account. Would probably pick target dates find in taxable with 80/20 mix. Just make sure you inform them of the risks and show them the prospectus (primaril...
by darkhorse
Thu Oct 15, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: Am I saving 10% or 20%
Replies: 51
Views: 5988

Re: Am I saving 10% or 20%

I am curious if there is a consensus on Would you count gross income or take home pay for the calculation?
by darkhorse
Sun Oct 11, 2015 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1408

Re: Interesting Dilemma with returning loan to relative: how to invest

I appreciate the inputs. I do generally agree with the notion regarding ownership of decision should lie with then, however, in this specific scenario I know that it will sit in bank for looooong time without a strong suggestion from me. I kind of feel obligated given no interest loan. Loan was exte...
by darkhorse
Sat Oct 10, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - How Much?
Replies: 3
Views: 501

Re: Term Life Insurance - How Much?

10 times is rough estimate.
A lot depends on if your spouse will have their own income stream
by darkhorse
Sat Oct 10, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Podcast App for Android?
Replies: 15
Views: 970

Re: Podcast App for Android?

Podcast addict

Has variable speed and ability to download episodes.

I have not tried pocket cast and not sure what it offers in addition to podcast addict
by darkhorse
Sat Oct 10, 2015 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Dilemma with returning loan to relative: how to invest
Replies: 10
Views: 1408

Interesting Dilemma with returning loan to relative: how to invest

Interesting Dilemma with returning loan to relative: Hello fellow bogleheads, I am finally in a position to pay back interest free loan extended by a family member . It is substantial amount ~45k and I plan to pay it off within a year. The family member is not particularly financially savvy (I am bu...
by darkhorse
Fri Oct 09, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Car Rear View Camera recommendations
Replies: 12
Views: 1105

Re: Car Rear View Camera recommendations

I just went through this and here's what I did. 1. I have a relatively new Ram 1500 which is obviously rear view challenged. Since the truck is only a couple years old I had a new stereo head unit installed with a touch screen and a back up camera added. Pros with this route is that you will likely...
by darkhorse
Thu Oct 08, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Car Rear View Camera recommendations
Replies: 12
Views: 1105

Car Rear View Camera recommendations

Fellow Bogleheads I have one of the older model cars with no rear view camera. I have had couple of close calls lately and have been considering to install rear view camera. Unfortunately, I can not find one with a consistent reliable positive reviews in my online search. I am hoping if someone on t...
by darkhorse
Wed Sep 30, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire in a year?
Replies: 28
Views: 2861

Re: Can I retire in a year?

You are in a great shape, may want to adjust AA as others suggested. kudos to you :sharebeer :sharebeer
by darkhorse
Wed Sep 30, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire in a year?
Replies: 28
Views: 2861

Re: Can I retire in a year?

You may want to post your total assets including amount in 401k/Roth and emergency fund. It will allow better understanding of your situation.

PS: You may want to consider downsizing or moving to an area where you could reduce property tax/school tax, if it is feasible.
by darkhorse
Mon Sep 28, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with ORP (Optional Retirement Plan) and IRS limits
Replies: 6
Views: 634

Re: Help with ORP (Optional Retirement Plan) and IRS limits

With respect to the 415(c) annual additions limit of 53k: 1) The 401k and ORP count. Other employer 401k plans or ORPs do not count because the 415(c) is a per employer limit 2) 457b plans do not count 3) No IRAs count in your situation (a SEP IRA would count if taxpayer had a 403b). An ORP is a DC...
by darkhorse
Tue Sep 22, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ORP (Optional Retirement Plan) and IRS limits
Replies: 6
Views: 634

Re: Help with ORP (Optional Retirement Plan) and IRS limits

Your link was for a 401k plan. If you have two* 401k plans then the $18k and $53k limits apply for the total of both plans**.... but not across different types of plans. ORP sounds like a pension plan which would be under an independent limit which I don't know. The 457 limit is the same as the 401...
by darkhorse
Mon Sep 21, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ORP (Optional Retirement Plan) and IRS limits
Replies: 6
Views: 634

Re: Help with ORP (Optional Retirement Plan) and IRS limits

All those things.......... 401k/ORP/457/IRA have independent limits. You don't add any of them together. Thank you :) Does ORP falls under 53000 annual limit along with other 401ks/IRAs/457s I looked at this: http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-401k-and-...
by darkhorse
Mon Sep 21, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ORP (Optional Retirement Plan) and IRS limits
Replies: 6
Views: 634

Help with ORP (Optional Retirement Plan) and IRS limits

Dear fellow bogleheads, I am hoping to have your input on ORP and how it is handled from IRS contribution limit perspective. I recently took a position and signed up for ORP (Optional retirement plan) - State sponsored. Employee contribution to this is 5% and University contributes 9% In addition, e...
by darkhorse
Thu Jun 11, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 9
Views: 1593

Re: 403b/teachers pension plan rollover questions

Agree with the thrust of the 1st reply, but (if the option exists to wait) recommend maintaining the inactive membership in the pension plan for now - until it has become clear that she's never going back to vest in the pension - rather than resigning now in order to sweep her account value into th...
by darkhorse
Wed Jun 10, 2015 7:01 am
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 9
Views: 1593

Re: 403b/teachers pension plan rollover questions

Bumping up to seek additional inputs, thank you
by darkhorse
Tue Jun 09, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 9
Views: 1593

Re: 403b/teachers pension plan rollover questions

I would roll the pension money into the 403b and just leave everything there. The exception would be if there are high annual expenses that she has to pay since she is no longer employed. Even then, I'd pay it till you are settled. Once she has a new job, you can determine if it is better to leave ...
by darkhorse
Tue Jun 09, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 9
Views: 1593

403b/teachers pension plan rollover questions

Dear Fellow Bogleheads, thank you for all the active and passive learning this community provides. I have learned a lot from this forum. Our life situation is changing in a good way and I am seeking input to make sure we are making prudent choice. I have read variety of other 401k/403b rollover ques...
by darkhorse
Tue Nov 11, 2014 11:46 am
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 4335

Re: Should I claim this damage

Hi, Update: went to local shop I got estimate on one car ~1000 and another car ~1600. Spoke with my insurance company yesterday and said I would like to report incident but have not yet decided if I want to file a claim, I will decide based on estimate. Representative stated that you have to file a ...
by darkhorse
Sat Nov 08, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 4335

Re: Should I claim this damage

Thank you for all the information Here is where I stand now - I looked at policy document, it does not specify time window but states that 'promptly' notify - on my initial review of exclusion under comprehensive part, I did not see specific mention of 2X deductible but will review it later Upon clo...
by darkhorse
Sat Nov 08, 2014 1:00 pm
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 4335

Should I claim this damage

Dear fellow Bogleheads, I have never had to file claim and I am not sure how it works. Here is my situation and will appreciate any input: I have two cars 2010 Honda accord and 2013 Prius both under comprehensive policy with 500 deductible. I was taking prius out from my garage and bumped into accor...
by darkhorse
Sun Sep 21, 2014 1:13 pm
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 1410

Re: Car registration & driving across the country

I bought car out of state, typically you can have temporary tag valid for 30 days and then you register it in your home state, CA in your case.
State rule may vary but in TX and GA you can have temporary tag for out of state purchase and register it in your home state.
by darkhorse
Wed Sep 03, 2014 7:17 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 17
Views: 1555

Re: Cord Blood Banking

I really appreciate everyone's input! will discuss with wife and decide.
NY times article has been very helpful as well :thumbsup

Thank you!

:sharebeer
by darkhorse
Wed Sep 03, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 17
Views: 1555

Cord Blood Banking

Hi folks, We are expecting a baby girl end of October :D . During one of the discussion, cord blood banking came up. Although there is abundant information on it, it is rather perplexing. After attempting some research on it, I am even more confused than before. Looking at various cord blood bank we...
by darkhorse
Sat Dec 22, 2012 9:23 pm
Forum: Investing - Theory, News & General
Topic: "Late Bloomer Millionaires" -- A Gem
Replies: 48
Views: 13333

Re: "Late Bloomer Millionaires" -- A Gem

Looks like a nice book, just got it through kindle app
Thanks for making it available Dan & Steve

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