Search found 822 matches

by dbltrbl
Wed Aug 23, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 7
Views: 530

Re: Employer reimbursement for plugin hybrid charge cost?

are you getting paid per mile than it does not matter. You just submit your miles log and collect the money. If they pay you only for mileage/gas and not wear and tear on your car, you will get paid lot less than about 54 cents per mile IRS reimbursement. Using personal car with only gas payments by...
by dbltrbl
Sun Aug 13, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 557

Re: Sales Tax Calculation when Buying Online

If it is a reputable overseas seller, they may not know the sales tax rate for every jurisdiction the country. In that case they will charge you the highest rate and will reimburse that amount to corresponding state. Think about a small business or even us, do we know tax rate for every county and c...
by dbltrbl
Sun Aug 13, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) overcontribution?
Replies: 6
Views: 364

Re: 403(b) overcontribution?

I believe your employer's system will not allow anything over 18000. It may kick whole amount for last month out but should not go over.
by dbltrbl
Sat Aug 12, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: When to pay estimated taxes on mutual fund distributions in December 2018?
Replies: 32
Views: 1845

Re: When to pay estimated taxes on mutual fund distributions in December 2018?

Alternatively, just ask Fidelity or the provider to withhold some % for taxes so you do not have to make an estimated payment. Depending on your tax bracket, 15% or 20% may be ok.
by dbltrbl
Wed Aug 09, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: tax questions - how to gift my sons' annual IRA
Replies: 18
Views: 1306

Re: tax questions - how to gift my sons' annual IRA

If younger one is not earning you can not put money in an IRA of any type.
by dbltrbl
Wed Aug 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3990

Re: Toyota Camry Repair Priorities

Did you do regular maintenance as recommended in owner's manual? If you did, you shouldn't be in this situation? Or you are the unluckiest person to own a Toyota Camry. Problems show up in first few months if any? Roads are bad everywhere in northern half. As others have said sell it, donate it and ...
by dbltrbl
Sun Aug 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2137

Re: Credit Card company email "Do you recognize this purchase?"

Call them and ask same thing you are asking here.
by dbltrbl
Sun Aug 06, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for house down payment?
Replies: 11
Views: 1040

Re: 401k loan for house down payment?

Only you know your unique situation, possibility of job security etc. I did take out a loan from my 403 b 7 when I purchased my primary residence. I did not even have taxable accounts to worry. If you think its the most reasonable way in your situation go for it and pay back the loan first asap.
by dbltrbl
Sat Aug 05, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Why no federal income tax obligation?
Replies: 31
Views: 2746

Re: Why no federal income tax obligation?

That is the wonderful way our tax code is written. Make about 35000 per year in capital gains no TAX. same working as school teacher/Aide you pay taxes. :sharebeer
by dbltrbl
Sat Aug 05, 2017 6:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 5872

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

While it is good, Vanguard charging $5.00 per month for 403b participants is a big step in wrong direction. Most 403b participants do not get a match either. While I have no idea about Schwab's charges , FIDO charges $ 4.00 per year . I think MR. Buckley should reverse that decision. P.S. It does no...
by dbltrbl
Thu Aug 03, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 5892

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

Simplicity has its its virtues. Solid fund . Good sleep at night go for it. We have about 400k in it even at earlier higher ER.
by dbltrbl
Tue Aug 01, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2637

Re: FAFSA: if known result, why complete?

Our son received a full merit scholarship but it was still required by school that we fill out FAFSA. If you do not plan on getting any type of scholarship, or loans than no need to fill out FAFSA. Yes it is a waste of time but it allows schools to sat we admitted so many % of students from lower ec...
by dbltrbl
Mon Jul 31, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2246

Re: Cheapest transportation to airport?

Some Friend. I have never charged any one for dropping them off or picking up at an Airport. I would not use friend. Use Park and fly no need to worry about flight getting delayed or car seat. Unless you are arriving after a long flight ( in that case Uber and Pay up) most convenient and economical ...
by dbltrbl
Sat Jul 29, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1567

Re: Colorado Vehicle Registration fees

Registration has 2 parts. One is annual fee other is a tax based on the value of your car for that year. Newer the car higher the tax. That will go down. Many states have this.
by dbltrbl
Fri Jul 28, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs index, etc.
Replies: 34
Views: 2228

Re: Active vs index, etc.

I have had few active funds most by accident or luck. Had Contra, New Millennium and Low Priced stock at Fido. First two are now gone in index funds. Last one low priced I am holding on it but can go. At vanguard we have Prime Cap and Health care in addition to Total Index and International Index. h...
by dbltrbl
Fri Jul 28, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Master's or Master's PLUS MBA Dual Degree
Replies: 14
Views: 1171

Re: Master's or Master's PLUS MBA Dual Degree

Depending on where you are, I would not worry too much about the name of the institution. I would get the MBA now from any recognized and accredited school. Outside of top 20 or so schools MBA from one is not much different than other when it comes to hiring. You may have roots where you are and you...
by dbltrbl
Wed Jul 26, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Investments
Replies: 10
Views: 1054

Re: Car Loan vs Investments

Zero %interest rate, no rebate then yes. If 0% or 1000/1500 rebate, buy car cash.
by dbltrbl
Wed Jul 26, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs. Taxable account
Replies: 8
Views: 486

Re: 403b vs. Taxable account

Among your list of 403b providers, Fidelity index funds would have much lower expense ratios and decent website and 24/7 customer service in general. I would stop contributing to AXA tomorrow and open one at Fidelity. Yes, 403b is better than taxable account. Fidelity's yearly fees on 403b account w...
by dbltrbl
Sun Jul 23, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I change my cost basis on my vanguard funds?
Replies: 6
Views: 447

Re: Should I change my cost basis on my vanguard funds?

You are correct.No cost basis needed for any type of IRA or 401k. Everything is income (TIRA, 401k) or tax free, ROTH.
by dbltrbl
Sat Jul 22, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1593

Re: Career Advice

How about opening a branch campus for this university in some underdeveloped country or providing ideas for that. If you are in teaching, even part time you have that opportunity. Take it.
by dbltrbl
Fri Jul 21, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring an IRA to VG Question
Replies: 8
Views: 453

Re: Transferring an IRA to VG Question

Yes you can but you need not. You can use funding (money later) later option and it will create an account number online for you. Depending on the institution, you may actually physically have to mail in forms with your signature. Of course if you call Vanguard, they will walk you through it.
by dbltrbl
Fri Jul 21, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best investments for a Roth IRA
Replies: 3
Views: 377

Re: Best investments for a Roth IRA

Investments are same. I would suggest putting equity funds in ROTH as they are more likely to appreciate at a higher rate in long term.
by dbltrbl
Fri Jul 21, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 17
Views: 1417

Re: Which cost basis is best average cost or FIFO

Simplicity does have advantages. If you are not good at record keeping, you can go with average cost. In the long run ( we will all be Dead), it will be a wash. You you will save but not a big deal if you are a regular investor who invest monthly or quarterly.In general between the two you mentioned...
by dbltrbl
Thu Jul 20, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Opening account
Replies: 5
Views: 461

Re: Opening account

If you do not need money for 5 or more years buy admiral shares all at one time.
by dbltrbl
Thu Jul 20, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Helping foreign nephew get settled
Replies: 11
Views: 1249

Re: Helping foreign nephew get settled

I do not think you can add him as a driver (depending on the company) if it is driven in a different state. Check with your company.Can you lease a car for him until he finds his wings? As for the apartment not an issue as they get first and last months rent and a note from the employer that he is/w...
by dbltrbl
Wed Jul 19, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Bank accounts in another state
Replies: 6
Views: 652

Re: Bank accounts in another state

Typically you need to provide an ID with the address you have in mind or you need to provide a utility bill with address. It might be easier if you just added your name to your mother's account or open a new joint account with your mom.
by dbltrbl
Tue Jul 18, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 342

Re: Allowable Roth contribution?

No. SS and pension does not count as earned income. You can not put your RMD in your ROTH IRA. If your wife has earned income(she does) of more than 30500, she can put 24000 in 401k and 6500 in ROTH IRA and yes money can come from anywhere.
by dbltrbl
Tue Jul 18, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Need investing advice
Replies: 23
Views: 1955

Re: Need investing advice

For my Nickel's worth, keep your money in bank not invest. Once you have secured new position, than think about investing. Do not give up. In the past I have sat at home for 17 months with an advanced degree in STEM field. In 2007, my brother sat for 30 months without a job. Keep looking you will fo...
by dbltrbl
Tue Jul 18, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Roadside assistance: insurance vs. Visa CC
Replies: 8
Views: 786

Re: Roadside assistance: insurance vs. Visa CC

No. $50.00 per occurrence. So if you are charged more its on you. I would use VISA rather than insurance. I learned hard way when one of vehicle needed assistance (not towing) three times in a year my premium went up by 25 dollars. When questioned, was told they do not provide hard numbers but was a...
by dbltrbl
Tue Jul 18, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Claim SIL as Dependent
Replies: 7
Views: 1129

Re: Claim SIL as Dependent

Is she part of your household? If so, answer is yes.
by dbltrbl
Sun Jul 16, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Small Windfall Investment Ideas
Replies: 2
Views: 324

Re: Small Windfall Investment Ideas

Assuming you have that much or more earned income and you are 15+ years from retirement answer is yes. Put in 11000 every year till you used up the windfall. use 401k or 403b at your workplace for additional savings.
by dbltrbl
Sat Jul 15, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8859

Re: Personal Finance Milestone: 20 Times Annual Expense

Congratulations! :happy Your hard work paid off despite setbacks along the way. Enjoy the rest of way :sharebeer
by dbltrbl
Fri Jul 14, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 109
Views: 8181

Re: Vanguard 403b Changes

This 403b only and not taxable accounts. $5.00 per month is 60.00 per year. I can invest with Vanguard or Fido, I am going with their indexes. I am flagship and still will pay this. This is not employer but Vanguard trying to outsource at a high cost to clients. For comparison Fido charges me $1.00 ...
by dbltrbl
Fri Jul 14, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Account [why doesn't Vanguard have a ROTH 403b?]
Replies: 10
Views: 641

Re: Vanguard Retirement Account [why doesn't Vanguard have a ROTH 403b?]

Count on your blessing. I just received a letter from Vanguard, towards the end of this year, they will charge you flat $5.00 per month for a 403b account. That is pretty penny on a small 403b. They are also changing their policy and now you can have admiral shares in 403b which were never allowed b...
by dbltrbl
Fri Jul 14, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance 79% Rate Hike
Replies: 5
Views: 654

Re: Car Insurance 79% Rate Hike

go to AAA directly and try other insurance companies. 79% seems excessive based on your version of facts.
by dbltrbl
Fri Jul 14, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question
Replies: 6
Views: 537

Re: Tax Question

Just the amount over 15% bracket. Relax, it is better to have this problem than no money. :sharebeer
by dbltrbl
Fri Jul 14, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Fees, back-end loads, sales charges.....
Replies: 13
Views: 664

Re: Fees, back-end loads, sales charges.....

Get out. Call Fidelity most of these are legal jargon which may apply to 10 or so funds from 200+ fidelity offers. Just call and find out.
by dbltrbl
Thu Jul 13, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1319

Re: Advice for Asian Indian friend on parking 100k

It certainly is not in US dollars paying 6.5%. You pay conversion both ways, $ to Rupees and back and also incur currency risk. If he is here, and does not need cash, just by Total Stock market index and let it ride 15-20 years.
by dbltrbl
Thu Jul 13, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Deducting MBA tuition as an allowable business expense
Replies: 15
Views: 1212

Re: Deducting MBA tuition as an allowable business expense

Ask your boss to pay for MBA and s/he can write it off 100% legally. Is your boss and you have no relationship? If you do, I will be very careful about claiming this large deduction.
by dbltrbl
Wed Jul 12, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: 13 year old with $2000 to invest
Replies: 20
Views: 2172

Re: 13 year old with $2000 to invest

Put it in a Roth IRA for her if she earned it in one year. You spring for 1000 dollars at car time. Or loan her 1000.
by dbltrbl
Wed Jul 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Rental Car - Which Credit Card to be used
Replies: 9
Views: 677

Re: Rental Car - Which Credit Card to be used

If you are a member of Costco, rent through them and no additional driver charge at all. You can use any credit card I believe.
by dbltrbl
Tue Jul 11, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 5747

Re: 100k milestone

Just to put in perspective, I did not hit 100k till I was about 48. It can be done and better late than never.
by dbltrbl
Tue Jul 11, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Federal Money Market Fund" has $3000 minimum?
Replies: 2
Views: 559

Re: Vanguard "Federal Money Market Fund" has $3000 minimum?

Best thing is Call Vanguard. They can walk you through on phone.
by dbltrbl
Tue Jul 11, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13709

Re: Costco vs. other wholesale clubs

Besides all the other comments, we shop at Costco because they pay their employees lot more than other retailers. Around $14 per hour. Sam's pays 8.50-10, and no idea about BJ.
by dbltrbl
Tue Jul 11, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 28
Views: 2033

Re: Donation to Church for wedding?

How much would it cost you to rent a small room at a hotel? Call and find out than donate that amount to Church and give priest what you feel is appropriate considering he is invited to fancy dinner. I would probably give in 50-100 range to priest.
by dbltrbl
Sun Jul 09, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Unique tax situation - foreign student loan payment
Replies: 1
Views: 195

Re: Unique tax situation - foreign student loan payment

First of all you can not deduct your loan payments. You can only deduct interest payments. You should get a statement/document from your lender. You can request that be in IRS form1098-E if possible. If not file your taxes by mail, put in the explanation and copy of statement as to how much you paid...
by dbltrbl
Sun Jul 09, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Missed two payments of quarterly taxes
Replies: 18
Views: 2121

Re: Missed two payments of quarterly taxes

Just pay same tax as last year and if things have been much better, pay extra on estimated taxes this point forward. I would not volunteer on penalty. If you catch up before the end of year and this is the first year for your LLC, I would not worry at all. As OP said tax man tries hard to allow for ...
by dbltrbl
Sun Jul 09, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: How to compromise on moving
Replies: 10
Views: 1061

Re: How to compromise on moving

Now that your house is paid off can you rent a place somewhere your wife may like for 3-4 winter months where she gets what she wants and you can jointly decide after 2 or 3 years of that, whats the move going forward. May be the grass is greener and you may like laid back style or she might feel sh...
by dbltrbl
Sun Jul 09, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3200

Re: Is Vanguard down this AM (7/9/17)?

While I agree that websites need routine maintenance, it should not be difficult to have it announced on a page that service is/will be down for routine maintenance. Routine means known in advance not an emergency so easy to let users know.