Search found 1032 matches

by furwut
Mon Sep 26, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: ACA Marketplace
Replies: 10
Views: 1072

Re: ACA Marketplace

Also keep in mind that capital gains from a taxable account count as income for ACA but will probably be be taxed at 0% federally at your level of income.
by furwut
Thu Sep 22, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: HCE 401k deferral advice
Replies: 10
Views: 525

Re: HCE 401k deferral advice

So my question is, how much should I contribute to the 401k? The higher the percentage I shoot for, the more likely it is that not only will I get a return of contributions, but because they do projection testing at the end of Q3, I will also have to stop contributing before the end of the year, re...
by furwut
Wed Sep 21, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Stolen Medical Data
Replies: 9
Views: 1128

Re: Stolen Medical Data

There are 2 kinds of people in the US now. Those who know their personal data has been stolen. And those who don't. Freezing your credit is the main thing along with changing out all your credit/debit cards. You might consider changing bank account numbers (even banks). Also check with the IRS about...
by furwut
Wed Sep 21, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 17
Views: 1775

Re: macOS Sierra

Sadly my MacBook Pro from 2007 was not invited to the party. :(

But I am really happy that at age 9 it runs El Capitan fine and has no issues. :happy
by furwut
Tue Sep 20, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: ER and the ACA [Expenses in Retirement]
Replies: 4
Views: 453

Re: ER and the ACA [Expenses in Retirement]

I googled US Medical Quality By State and found this resource: State Snapshots The State Snapshots provide state-specific health care quality information, including strengths, weaknesses, and opportunities for improvement. The goal is to help state officials and their public- and private-sector part...
by furwut
Tue Sep 20, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 82
Views: 5421

Re: "Women and Investing" class offered by Employer

Well that conferences smells more like a sales lead generator to me but here are 3: While the gender gap in earnings is narrowing, women earn less, on average, than men. Women typically work fewer years than men — often taking time out of the workforce to raise children or care for elderly relatives...
by furwut
Mon Sep 19, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Great West 401k question
Replies: 5
Views: 369

Re: Great West 401k question

Has anybody had any experience of a former employer being bought out and what happens to former employees 401k accounts? do they force you to liquadate or roll it to the new company? Thanks My experience has been that old 401k accounts are converted over. Your wife should expect information on the ...
by furwut
Mon Sep 19, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Great West 401k question
Replies: 5
Views: 369

Re: Great West 401k question

is it worth it for the tax reduction without a match? Yes - because the tax deferral is still meaningful and, when he leaves his employer, he can rollover the 401k to a cost-efficient IRA. Bogelhead Wiki on poor 401k choices Even in a bad 401(k), you should contribute up to the company match. Choos...
by furwut
Mon Sep 19, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Checkings accounts for automation
Replies: 5
Views: 601

Re: Checkings accounts for automation

Why do you need to have the deposit itself be the trigger for the transfer? If you are paid regularly, say every 2 weeks, wouldn't having an automatic transfer set for a day or two later serve the same purpose?
by furwut
Mon Sep 19, 2016 7:27 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4268

Re: What Percentage To Put In International Stock?

Keep in mind that even a 100% US equity allocation still gets you some international exposure through large US multi-national corporations.

The counter argument, though, is that this exposure is not as diversified as one obtained by specifically investing in indexed international funds.
by furwut
Mon Sep 19, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?
Replies: 33
Views: 2412

Re: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?

I agree with KevinM that CDs are an attractive alternative to bonds right now. I agree with some of the other posters that opening accounts online isn't always very easy. With respect to the $1M CD example don't we also have to consider FDIC insurance limits on large accounts and, if so, that's a li...
by furwut
Sun Sep 18, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1957

Re: Calling DC area Bogleheads for help with relocation

So if it might save an hour+ each day, maybe I should try really hard for something closer in Arlington and plan to simply bicycle the whole way, forgetting about other suburbs and the Metro except as a backup plan. I don't know the rental market in the suburbs too well but I think 3 BRs for $2700 ...
by furwut
Sun Sep 18, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8835

Re: Disappointing News Wells Fargo

Wells Fargo is receiving a $180 million fine. And it is, apparently, firing 5,300 employees who were involved. But then there is this ... But Carrie Tolstedt, the head of Wells Fargo’s Community Banking division where those 5,300 people toiled, will be retiring with a $125 million compensation packa...
by furwut
Sat Sep 17, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1957

Re: Calling DC area Bogleheads for help with relocation

Is your program at the Georgetown main campus? If so, there are no Metro stations within walking distance. If you were planning on using the folding bike to get from the Metro to Georgetown, there are restrictions on bringing bikes onto Metro during rush hour. I would check the Metro website to get...
by furwut
Fri Sep 16, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bill pay differences with Capital One 360
Replies: 12
Views: 786

Re: Bill pay differences with Capital One 360

Columbo may be naive sometimes too... :oops: Well bankers are a mysterious lot when it comes to what they are doing with our money. By the way - I don't think the majority of bill pay requests end up being printed, postage affixed and mailed. Sure that's how a check to your nephew Billy will come f...
by furwut
Fri Sep 16, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bill pay differences with Capital One 360
Replies: 12
Views: 786

Re: Bill pay differences with Capital One 360

I never understood why Bill Pay (that involves the banking institution printing and mailing a check) is a FREE service while electronic wires (which do not involve printing nor mailing) are not free anyone here knows? Nothing in life is free :happy When it comes to Bill Pay there will be a period o...
by furwut
Thu Sep 15, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5482

Re: Which city for part time home during retirement?

What will you do with the apartment the 6 - 8 months a year while you are gone? If you think you might rent it out, assuming the condo laws allow it, you might want to add housing desirability/need as a factor to your list. Being nomadic for much of the year sounds interesting. I'm much the opposite...
by furwut
Thu Sep 15, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8835

Re: Disappointing News Wells Fargo

Interesting. I wish Vanguard had the banking services like fido and schwab, I have considered moving from vanguard for this reason but have also been with vanguard for a long time. I will probably do nothing because I have so many things tied to my checking at wells that I would have to update, but...
by furwut
Wed Sep 14, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

I do not NEED the Advanced Premium Tax Credit (APTC) subsidy upfront. However, the best value plans also incorporate "Cost Sharing Reduction Subsidies" (CSR) and these plans are not even visible to you if you do not apply with the low income. I don't know for sure, but I don't think the C...
by furwut
Wed Sep 14, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

Here are some links: These are from GoCurryCracker and I think are the best postings I've seen on the subject! Obamacare Optimization in Early Retirement Obamacare Optimization vs Tax Minimization This is from Harry Sit - AKA The Finance Buff and a Bogelhead. Cost-Sharing Subsidy Under Obamacare ACA
by furwut
Wed Sep 14, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

but I am only going to have $23,000 of taxable income in 2017. By the end of 2017 OP needs to carefully look at the ACA income limits and ensure he/she has has at least enough to reach the ACA income floor. I do not know what happens if your actual income ends up being below the ACA threshold. But ...
by furwut
Wed Sep 14, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

So let me get this right....Someone with a net worth well into the millions can hypothetically get taxpayer subsidies for healthcare premiums as long as their income (i.e. dividends, interest in taxable for early retirees) is below a certain thresh hold? That is theoretically correct. EDIT to remov...
by furwut
Wed Sep 14, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

I don't know if every state has the same application. I think states that are running their own exchange probably differ. I know my state exchange is definitely unique to my state. Federally run exchanges may be the same and, from what a family member told me, don't verify any income on the applica...
by furwut
Wed Sep 14, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1027

Re: Please Help - ObamaCare application question regarding income

I think it will depend on the individual state exchange and how assiduous they are in verifying stated income. If you don't need the Advanced Premium Tax Credit (APTC) upfront then you can pay full price for the policy and receive any tax credit on the backend when you file your 2017 return. This is...
by furwut
Mon Sep 12, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3071

Re: retiring with a mortgage

cadreamer2015 wrote:I think a bigger issue than a mortgage or not is entering retirement with a 90% allocation to equities.


To which I'll add in just a few stocks.
We need an emoji for HAIR ON FIRE.
by furwut
Mon Sep 12, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: Accessing 401K Plan Detail - Telegraphing Intent?
Replies: 11
Views: 828

Re: Accessing 401K Plan Detail - Telegraphing Intent?

If you work for a Megacorp and are not a key executive don't sweat it. HR gets those questions daily.
by furwut
Mon Sep 12, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: High deductible [health] insurance behaviors
Replies: 10
Views: 1082

Re: High deductible [health] insurance behaviors

I take two aspirin and don't call the doctor in the morning.
by furwut
Sun Sep 11, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 81
Views: 4486

Re: Securing work computer and USB drive

The best policy would be to never mix your personal files with a work device. Keep them on encrypted on your own smart phone if you must have access to them. But old tax files :?:
by furwut
Sun Sep 11, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: no Bonds 63
Replies: 12
Views: 1689

Re: no Bonds 63

What is VBTLX? Vanguard Total Bond Index. With $2M and you say you would be happy with $1M maybe you don't need bonds. The worst stock market crash might erase 50% leaving you with $1M. EDIT OOPS I've very wrong. 1. 1929-32 > DJIA decline from peak to trough: 90% I would have bonds for sure!
by furwut
Sun Sep 11, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3071

Re: retiring with a mortgage

It just occurred to me that we can isolate the mortgage and look at the WR to service it. Assuming a 300K purchase price and we finance 50% @ 3.5% then monthly P&I is $674 or $8,088/yr. To service that we have the $150k we held back to invest. The first year withdraw rate on that is (8088/150,00...
by furwut
Sun Sep 11, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3071

Re: retiring with a mortgage

One of the big investment risks in early retirement is the sequence of returns risk. That is the risk that your investments suffer poor returns and you're forced to withdraw at a higher rate from your portfolio than prudent to meet expenses. To mitigate against this risk we try to determine what is ...
by furwut
Sun Sep 11, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3071

Re: retiring with a mortgage

We just had a big long thread on the subject (with a lot of Ric Edelman discussion thrown in).

Ric Edelman's The Truth about Retirement on PBS
by furwut
Sun Sep 11, 2016 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Traditional and (Backdoor) Roth IRA account fees?
Replies: 3
Views: 310

Re: Vanguard Traditional and (Backdoor) Roth IRA account fees?

It appears to me the charge is per fund account . A fund account can hold many fund investments. So I wouldn't worry about selling X and buying Y in the same fund account so long as the total assets in the fund account met the dollar threshold. I don't believe if you empty a fund account, e.g, by co...
by furwut
Sun Sep 11, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3789

Re: map frustration

I tried to buy an updated copy of a downtown DC "fold-a-map" (laminated one page, folds in thirds) the other day. Maker's website shows out of stock. Amazon has one for $135 or so. Wow. Don't have a smart phone and just want to bop around DC and know where I am. Try Rand McNally. They hav...
by furwut
Sun Sep 11, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Traditional and (Backdoor) Roth IRA account fees?
Replies: 3
Views: 310

Re: Vanguard Traditional and (Backdoor) Roth IRA account fees?

Account service fees Account service fees are automatically waived when you register for secure access to our website and let us send account documents to you electronically. They're also waived for all Voyager, Voyager Select, Flagship, and Flagship Select Services clients. If none of these apply,...
by furwut
Fri Sep 09, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9122

Re: So being 40 is "old" in the high tech business?

I personally haven't seen a effort to force older workers out of IT. Maybe a few instances but nothing I'd call systematic. However on the other end there was a definite preference for hiring much younger workers around the ages of 25 - 30 - often on VISA status. When I first started in IT I liked t...
by furwut
Thu Sep 08, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: What does a man have to do to get the new iPhone?
Replies: 26
Views: 2255

Re: What does a man have to do to get the new iPhone?

Personally I would wait for the phone next year (iPhone 8?). This years model is a very incremental update while there are many rumors that Apple will be pulling out all the stops to make next years model extra special as it will be the 10th anniversary of the iPhone.
by furwut
Wed Sep 07, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: MacBook Air - battery charging issue
Replies: 7
Views: 540

Re: MacBook Air - battery charging issue

Information straight from the horses's mouth.

About Mac notebook batteries
by furwut
Wed Sep 07, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: MacBook Air - battery charging issue
Replies: 7
Views: 540

Re: MacBook Air - battery charging issue

Also look at this:

Reset the System Management Controller (SMC) on your Mac

Indicators that your SMC might need to be reset

After you perform normal troubleshooting, these symptoms may indicate that an SMC reset could be necessary:
The battery doesn't charge properly.
by furwut
Wed Sep 07, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: MacBook Air - battery charging issue
Replies: 7
Views: 540

Re: MacBook Air - battery charging issue

I own a 3 year old MacBook Air. About a year ago, it wouldn't hold a charge so I took it in for service under my Apple Care contract. Apple ended up replacing the battery. The problem is back - having to charge much more frequently. This time, the Apple Care has expired. Is there anything I can do ...
by furwut
Wed Sep 07, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10555

Re: How much is your cell phone bill?

Carrier: H2O (AT&T MVNO) Number of Lines: 1 Unlimited text msgs: No, 5¢/text 4G Data?: Yes, 10¢/MB Monthly Cost (including taxes): <$9 Pay as you go plan. I keep cellular turned data off unless I need to look something up. Billed $9/mo on auto renew but when my credit balance exceeds $30 I turn ...
by furwut
Mon Sep 05, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Should a Sustainable Withdrawal Rate be linked to inflation?
Replies: 16
Views: 1455

Re: Should a Sustainable Withdrawal Rate be linked to inflation?

Does they still calculate an inflation rate that is based on retiree spending? I know they did at one time have a consumer price index that weighted the categories differently. That is the inflation rate I'd want to monitor as opposed to the generic one. There is an index for the elderly called CPI...
by furwut
Sun Sep 04, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should a Sustainable Withdrawal Rate be linked to inflation?
Replies: 16
Views: 1455

Re: Should a Sustainable Withdrawal Rate be linked to inflation?

I am skeptical of the 4% rule. Its not a natural constant like the speed of light after all. Read just about any article by Wade Pfau for a good discussion on why 4% maybe shouldn't even be a rule of thumb.

Here's some of the recent "chatter":

Are Safe Withdrawal Rates Really Safe?.
by furwut
Sat Sep 03, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

I emailed my friend who runs a computer systems house for 25+ years and has Macular degeneration for all that time. I will get more info from him next Tuesday for now: "Rob, We have a Foundation Fighting Blindness support group that meets in Manhattan. She could gain some information by attend...
by furwut
Sat Sep 03, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

BolderBoy wrote:There have been a number of blind-from-birth folks who became psychiatrists. Might she have an interest there?


Herekittykitty wrote:I also was going to suggest she look into and consider retooling into psychiatry.


I will mention this as well.
by furwut
Sat Sep 03, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

zzcooper123 wrote:Google "non-clinical careers for physicians." SEAK is putting on a seminar in Chicago next month.


Thanks. I will pass on the reference of SEAK to her.
by furwut
Sat Sep 03, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

staythecourse wrote:Odd, but pertinent question... Did she have an active Long term disability policy?

Good luck.


Don't know.
by furwut
Sat Sep 03, 2016 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

Thanks for the ideas! I'll pass them along.
by furwut
Fri Sep 02, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: want to leave comcast but keep my email?
Replies: 17
Views: 1677

Re: want to leave comcast but keep my email?

. Situation might have changed as of April 2016: http://forums.xfinity.com/t5/Email-Web-Browsing/keeping-email-address-moving-out-of-state/td-p/2732689 Interesting. However I wouldn't place any faith in Comcast honoring this forever. Just as they may have changed their business policy to allow form...
by furwut
Fri Sep 02, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Magazines on an IPad?
Replies: 5
Views: 631

Re: Magazines on an IPad?

I do. Check with your local library. Mine offers dozens and dozens of magazines for digital download thru the Zinio app.

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