Search found 205 matches

by dianna
Tue Dec 29, 2015 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6433

Re: [What will you do differently in] 2016

not so much "differently" but "better": We already maximize tax-advantaged accounts (401k, self-employed 401k, backdoor Roth IRAs, 529s, HSAs, etc) but hope to improve upon topics like: • take greater advantage of the Mega Back-Door Roth (After-Tax contributions); we have done no...
by dianna
Sat Dec 12, 2015 12:14 am
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 6513

Re: BMW current and past owners -- how was the reliability and would you buy another?

Oh my, what to reply.... I own (first/only owner) a 2001 E46 325i, 95,000 miles, in very good condition. Although other posters are correct in that this car has high maintenance costs, it has been AWESOME to drive and own. Handling is bar-none. fit and finish has been great except for a few issues t...
by dianna
Wed Dec 09, 2015 2:34 pm
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 42
Views: 6070

Re: Supporting the Operating Costs of the Forum

Bumping this thread for 2015 support.... For those of you making charitable contributions before the end of the year, please consider supporting this amazing and helpful Bogleheads Forum! https://www.bogleheads.org/support.php Wishing everyone a fabulous end of the year. May your dividends be foreve...
by dianna
Mon Nov 30, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 322
Views: 84773

Re: The Mega Backdoor Roth IRA

Providing of course that you have enough after tax money to do so - does everyone who does the megabackdoor Roth front load it when the new year starts? Seems like it would be less hassle to just divert all income (outside of the match) into after-tax right away. Less transfers, won't lose out if j...
by dianna
Fri Nov 06, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question about HSA reimbursements
Replies: 13
Views: 819

Re: Question about HSA reimbursements

Hi Morik, We have an H S A through HealthEquity and essentially have the same plan with scanned receipts; I also keep an Xcel file log of all eligible medical expenses so that I have a running calculation of how much I could withdraw (without penalty) in the event of a need. I did submit some of our...
by dianna
Wed Sep 16, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 169
Views: 15499

Re: Life lessons: Making loans to friends. Insights? Revelations?

We very very very rarely loan out money, and in all but one case if we do it's because we've made the decision that we probably will never see it again, and those are very small values, once in a blue moon, for what appears to be a decent reason, and then not again. However, we did do a loan one tim...
by dianna
Wed Sep 16, 2015 12:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 347
Views: 45736

Re: Roll Call for the Retirement Class of 2014!

Congratulations, indeed! I look forward to joining the ranks some year. I read the posts with a great smile on my face, looking forward to my own observations and adventures hopefully within the decade. Perhaps no sturgeon fishing for me, but alas, life is beautiful when you are doing what you want....
by dianna
Wed Jul 08, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1765

Re: Thanks to Forum Administrators

simply the best and the greatest. thank you to all of the administrators and contributors. you have made millions for the rest of us (and hopefully yourself as well).

with immense gratitude,
dianna
by dianna
Sun May 03, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 1074

Re: Retirement Calculators: Data input choices

First, a question for you (and others who respond): How old are you (at least approximately)? This affects the reasonability of assumptions about Social Security, and how seriously you should take projections from e.g. Firecalc. It's one thing to try to project 30 years into the future if you're ne...
by dianna
Fri May 01, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 1074

Retirement Calculators: Data input choices

Hi - For those who have used retirement calculators, I'd appreciate some opinions on your data input selections. I've reviewed our portfolio on a number of calculators (for BH list, see http://www.bogleheads.org/wiki/Retirement_calculators_and_spending ). The one I've used most frequently is FireCal...
by dianna
Tue Apr 14, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 5130

Re: Input wanted from BMW owners

Its a solid car and if it checked out before you bought it, it should be good for you. I would highly recommend seeking out an INDEPENDENT mechanic who specializes in BMWs. I went to the the BMW Club site for Hawaii, and they list several shops: http://bmwccahawaii.net/sponsors/ . Also, ask around ...
by dianna
Tue Apr 14, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1219

Re: Tax bill > anticipated; best strategies to fund?

Update: Paying slightly more than amount that we anticipate owing to Fed+State 2014 final and 2015 estimates tomorrow, by check, by mail to buy a little bit of time. Filing an extension due to late incoming information needed to know exact values; thus i-401k can be fully funded over next 6 months. ...
by dianna
Mon Apr 13, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1219

Re: Tax bill > anticipated; best strategies to fund?

Is the checking account the emergency fund or did you not list the emergency fund? If not listed and could be used, I would use that first assuming you can replete it expeditiously. If not, I think I lean toward the HELOC assuming you can pay it off quickly. Also, I assume you absolutely must fund ...
by dianna
Mon Apr 13, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1219

Re: Tax bill > anticipated; best strategies to fund?

[quote="grabiner"]If you need money for a very short time (for example, waiting for transactions to settle), you can draw on the HELOC; the interest cost will be trivial if you pay back the amount drawn next month. Do you have bonds in your 401(k) or Roth IRA? If you do, then you could sel...
by dianna
Sun Apr 12, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1219

Re: Tax bill > anticipated; best strategies to fund?

If you sell in taxable and then sell company stock to replenish it, you'll be realizing a lot more gains (assuming every position has gains). Why not just sell the company stock directly? To answer your question, I'd do f, c, a, in that order. Good point. All of what is in taxable is in index funds...
by dianna
Sun Apr 12, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1219

Tax bill > anticipated; best strategies to fund?

Hi everyone, We are interested in opinions and the discussion on how best to fund a substantially large financial outflow in the next 3 days while preserving long-term goals. Background: Between fully funding a self-employed Individual-401k for 2014, paying the balance due for 2014 Fed and State Tax...
by dianna
Mon Mar 02, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA vs Solo 401(k)
Replies: 16
Views: 1184

Re: SEP-IRA vs Solo 401(k)

I have my Solo 401(k) at VG and deliberated about where to host it for many of the same reasons that have been mentioned above. Although it still irks me a little that I can't access Admiral shares within the Solo-k, at the end of the day the generally low costs, option for Backdoor Roth, and one ot...
by dianna
Wed Feb 25, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 664

Re: Investment Priority when planning for Early Retirement

One might wish to research how to avoid penalties when withdrawing early from qualified plans. Some hints have already been given. Look up 72(t), SEPP, substantially equal periodic payments. Also look up the rules about withdrawing from a 401(k) after separation from your employer in years you will...
by dianna
Wed Feb 25, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 664

Re: Investment Priority when planning for Early Retirement

This comes up a lot but in general it is very hard to end up with too much in tax deferred. In the worst case paying OI (call it 15%) and penalty (10%) is probably still a win over paying 28%+ in taxes today. Throw in things like ROTH principal withdrawals, ROTH pipelines and 72(t)s to get access t...
by dianna
Wed Feb 25, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 664

Investment Priority when planning for Early Retirement

Q regarding our Investment Priority when planning for early retirement and thus need funds outside of Defined Contribution Plans. Generally, we have been following this investment priority: 1. His T-401k to get match and then up to annual maximum ($18,000 for 2015) 2. Her (self-employed) T-401k up t...
by dianna
Mon Dec 15, 2014 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10356

Re: Most/Least Boglehead 2014 Activity?

Most: Stayed the course; maxed out tax-advantaged accounts for 2014; set up to do the same for 2015; Lived Below Means; DIY home repairs and upkeep; monthly review with spouse on AA and 1pg (double-sided) "snapshot" of overall financial picture. Least: Upcoming trip with 80+ yo parents, li...
by dianna
Thu Nov 06, 2014 10:47 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort in Puerto Vallarta
Replies: 11
Views: 2105

Re: All inclusive resort in Puerto Vallarta

Marival Residences and World Spa +1 It's outstanding. However, with the kids, consider the Dreams in Puerto/Nuevo Vallarta. Several kid and adult-friendly pools, craft and entertainment activities, multiple restaurants, watercraft activities, etc. It's not Marival, but it's a good resort. We rented...
by dianna
Wed Oct 29, 2014 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 2602

Re: maximize investment priority - 401k, ira, hsa, lpfsa

The new prioritization would look like this: 1. Max out Roth 401k fully (per fed limits) + company match 2. Max out Backdoor Roth IRA 3. Max out MEGA Backdoor Roth IRA (assuming plan permits appropriately) 4. Max out HSA (spaced out across the year; you control the allocation) 5. Taxable as monies ...
by dianna
Tue Oct 28, 2014 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 2602

Re: maximize investment priority - 401k, ira, hsa, lpfsa

it sounds like the priority in my case should be: 1. Max out Roth 401k at $17,500 (+employer match) 2. Max out HSA at $4650 (+employer match) 3. Max out the after-tax 401k (and convert this later to a roth IRA) at $25,750 4. Save to taxable investment accounts whatever I can Am I understanding this...
by dianna
Tue Oct 07, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Radiant Heating and Hardwood Floors
Replies: 6
Views: 1106

Re: Radiant Heating and Hardwood Floors

We also have engineered wood floors over top of radiant floors in our home, similar to what greenfire posted. Our radiant floors were retrofitted to a midcentury modern home, so some are within poured concrete slab, while others were installed in ply, then covered with hardboard before the finished ...
by dianna
Sun Sep 07, 2014 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2224

Re: Portfolio Advice Needed $1M age 40

I'll edit my original post, but the people recommending Coverdell IRAs, the AGI limits are $220K which with my salary of $365K makes us not eligible, unless I'm misreading. You are but my guess is that your kids are not. Open up a UGMA/UTMA in each child's name. Put $2,000 in each account. Then hav...
by dianna
Tue Jul 15, 2014 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1822

Re: Using Emergency Fund to Pay off Auto Loan

Dadoftwo, I'm very sorry to hear about this difficult pregnancy. I agree with other posters who have wisely said not to pay off the auto loan but to keep the funds in the emergency fund and accessible. I wish your wife and the newest little one great health in these last weeks, and may the entire fa...
by dianna
Fri May 23, 2014 10:42 pm
Forum: Personal Consumer Issues
Topic: Control4 system user experiences?
Replies: 6
Views: 888

Re: Control4 system user experiences?

Hi. About to undertake a renovation. There is an outdated and only marginally functional sound system in the house. Apparently, the speakers used are top-notch, as is the wiring, but the "brains" and keypads need to be replaced. The Control4 system uses iPads & iPhones to control hous...
by dianna
Mon May 19, 2014 10:43 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2611

Re: Recommended Parenting Books

As many others have wisely intimated, I agree that fewer books are better than being inundated with books during the infancy stages. While it may be difficult to trust intuition, every baby is different and each parent is different, so trusting intuition is highly valuable, in my opinion. Perhaps a ...
by dianna
Mon May 19, 2014 9:03 pm
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1194

Re: First Ironman Triathlon Next Year -Any Good Books

First, congratulations on taking on this venture and good luck with it! As swimming was, by far, my weakest link in a tri event, I found that doing Total Immersion swimming lessons were really key. TI swimming is like freestyle but allows you to be more efficient in your stroke. Thus, you get out of...
by dianna
Tue Apr 29, 2014 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Consulting; Retirement Account Options?
Replies: 7
Views: 642

Re: Switching to Consulting; Retirement Account Options?

+1 for Solo 401k (also referred to as Individual 401k, or I-K). Consider setting it up through Vanguard; very easy to administrate and manage. Only downside is not being eligible for Admiral shares with lower ER compared to Investor Shares ER, but that's a very minor complaint given the much higher ...
by dianna
Fri Jan 10, 2014 7:07 am
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 10449

Re: [Poll] What was your 2013 return?

This was a great learning exercise for me. Thank you for the link to MoneyBlog.com's easy rate of return calculator, repeated here http://www.mymoneyblog.com/estimate-your-portfolios-rate-of-return-calculator.html . XIRR = 16.7% across retirement accounts (401ks, IRAs), accounting for contributions;...
by dianna
Mon Jan 06, 2014 8:31 am
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 5020

Re: Private School Funding

The topic has been discussed previously, and a link to a discussion on how having a child with little/no income make the contribution can bypass the income limits for parents is in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=108183 What we have been coached to do is the fol...
by dianna
Sun Jan 05, 2014 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 5020

Re: Private School Funding

If a married couple falls below the income limits for a Coverdell, can the parents then contribute $2,000 per year, plus an additional $2,000 gifted to the child, in the child's name? No, the limit is $2000 per year per kid from any source. To the OP, you personally may be above Tax thresholds to c...
by dianna
Sun Jan 05, 2014 7:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1338024

Re: What Book Are You Currently Reading? Part V

I just finished reading Malcolm Gladwell's David and Goliath on vacation and then turned to the Big Disconnect by Steiner-Adair about technology and social connection. Overall, I thought that David and Goliath was a nice thought-provoking read and I generally enjoy Gladwell's writing. The Big Discon...
by dianna
Fri Oct 11, 2013 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Rollover T-IRA to 401k to make space for backdoor Roth?
Replies: 2
Views: 312

Rollover T-IRA to 401k to make space for backdoor Roth?

Hi everyone, Thank you for all of the great advice and wisdom on this forum. We are contemplating a transaction to gain more Roth space that I want to run by the forum. Both of us are employed and still in the accumulation phase; only eligible for Roth IRA contributions via backdoor. Wife has no TIR...
by dianna
Thu Aug 22, 2013 12:18 am
Forum: Personal Finance (Not Investing)
Topic: solo 401(K) questions
Replies: 20
Views: 1482

Re: solo 401(K) questions

2) I understand that there are no Admiral shares, so I will have to pay higher expense ratios. Do I also have to contribute to a certain fund, especially at the beginning, to make it legally correct? For example, can I just continue with Total Bond Market and Total Stock Market or do I have to choo...
by dianna
Thu Aug 08, 2013 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Accounts
Replies: 7
Views: 733

Re: Coverdell Education Savings Accounts

We also have ours at Schwab. Easy to set up and fund, good choice of funds. No adverse experiences thus far, however we are only in accumulation and haven't needed to use those funds (yet, thankfully).
by dianna
Thu Jul 11, 2013 11:26 pm
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 10523

Re: All Wheel Drive vs. Front Wheel Drive

I've lived in Minnesota my entire life. About 6 years ago we bought our first AWD, a Subaru Forester. Our other vehicle has always been a front wheel drive commuter car. The only time I noticed a difference in traction and handling was in heavy snow. The Forester was no better on ice than the FWD F...
by dianna
Thu Jul 11, 2013 11:18 pm
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 10523

Re: All Wheel Drive vs. Front Wheel Drive

Snow tires make much more of a difference than fwd vs awd. +1 I drive a RWD car in a snowy/icy/hail state and it's the tires that make the difference. My personal belief is that AWD makes some people *feel* confident beyond their true driving abilities. Having lived/driven in PA, MA, CT, NY, NJ and...
by dianna
Tue Jun 25, 2013 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: When dying
Replies: 48
Views: 7794

Re: When dying

Dear NCBound,
I am so very sorry to hear of your wife's passing. May memories of happier, more peaceful times find a way to heal your soul.
~dianna
by dianna
Wed Jun 19, 2013 10:13 pm
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 3333

Re: Help with Health Insurance

We found that ehealthinsurance.com provided comparisons of rates across plans after entering in a little bit of information. This could at least help you understand if the $1200/month is ridiculous or competitive for comparable coverage. But please, read the fine print before you act. FWIW, I just r...
by dianna
Wed Jun 19, 2013 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should My Parents Keep their Lousy Longterm Care Insurance?
Replies: 15
Views: 1571

Re: Should My Parents Keep their Lousy Longterm Care Insuran

Start thinking outside the box and consider some other options besides nursing home or assisted living. Would it be possible for you to build a Granny House in your backyard? It would be separate living area from you. You would be around to help. You could hire help and be there to watch over how t...
by dianna
Tue Jun 18, 2013 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 109
Views: 11876

Re: Help create a Financial Presentation: Calling all Bogleh

I'd like to help as I can as well, from the self-employed angle, which I don't see as uniquely represented yet. I will go online to add. Also, when we developed our IPS, we did so only for the accumulation phase, but recently I've created a second one for the withdrawal phase, in the event that I cr...
by dianna
Fri Jun 14, 2013 5:07 pm
Forum: Personal Consumer Issues
Topic: How to find a great nanny?
Replies: 11
Views: 1080

Re: How to find a great nanny?

Recommendations from friends! Some things that made us comfortable about ours: good interaction with little one, religious community ties (lots of church activities), interest and education with early learning, friends who were nannies, & glowing recommendations - including one from someone we ...
by dianna
Thu Jun 06, 2013 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 15
Views: 4173

Re: why it pays to make purchases with a credit card

+1 for ease of disputed costs. One time, we were about to leave on a trip for London when noticed a $3000+ USD purchase delivered to a PO box in Brussels... apparently, someone ordered him/herself a nice bicycle for "back in the day" 2001 prices! No worries - - VISA looked into the fraudul...
by dianna
Thu Jun 06, 2013 10:21 pm
Forum: Personal Consumer Issues
Topic: VOIP What do you think?
Replies: 20
Views: 1533

Re: VOIP What do you think?

What I'm really looking for is a really cheap residential phone solution that I can use in a condo that I live in for about 6 months a year. I have a cellphone but I'm looking to have a residential phone there also for a few reasons. I'm too cheap to install regular phone service and get stuck payi...
by dianna
Thu Jun 06, 2013 10:06 pm
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 3075

Re: Demo a Bathroom (Save Costs)

Hi All, Has anyone done a bathroom demo? Is this something someone with low 'handyman' skills can do? We have a soaking tub, standing stall shower, double sink vanity, and tile throughout (floors and walls). Am I going to wish I paid someone to do this? Yes - we have done many a bathroom demo; in f...
by dianna
Mon May 27, 2013 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 84
Views: 5319

Re: Poll: Umbrella Insurance

We purchased our umbrella policy when we were in our mid-30's, working on a major renovation to our home. Grateful that we haven't needed to use it.

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