Search found 1971 matches

by ieee488
Mon Sep 14, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: [returning court mandated] child support payments to the [non-custodial] mother?
Replies: 14
Views: 1536

Re: Sending child support payments to the mother?

Ditto, and I am confused how or who could have ordered her to be paying OP. Sounds like the case of robbing Peter to pay Paul (or is it the other way around?). This is controlled by the laws of each state. They often have a formula for determining child support which the judge has limited leeway to...
by ieee488
Sun Sep 13, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Additional income ideas?
Replies: 6
Views: 907

Re: Additional income ideas?

I was thinking about tutoring or dog walking, as options. But I would be grateful for more ideas about how to enhance my cash flow. Please share your ideas! Thank you! I thought I would do tutoring when I was unemployed. But I did not have any luck. I think it is saturated by teachers wanting to ma...
by ieee488
Sun Sep 13, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

If it's a valid contract it will have t&c section detailing how either party can terminate in terms of required notice period and any penalties. Let me spell it out for you. All employment with XXXXX is "at will" and not for any specific period of time. This means that both you and XX...
by ieee488
Sun Sep 13, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Wifi Laser Printer - Recommendations?
Replies: 24
Views: 1954

Re: Wifi Laser Printer - Recommendations?

TravelGeek wrote:
ieee488 wrote:You'll want to look at how much the toner and drum cost to replace.


With about ten pages per month that wouldn't be too high on my list of priorities :)


That is true.

Though I don't know how reliable the drums are.
by ieee488
Sun Sep 13, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

You took a 6 month employment contract at a known pay rate. The right thing to do is work the 6 months. Then if they want to extend the contract you can negotiate for higher pay rate. If you quit on me in the middle of a 6 month contract I'd make sure you never worked for us again. Are you saying t...
by ieee488
Sun Sep 13, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 20273

Re: Am I being too stingy for a high-income household?

1) Upgrade our car to an Acura MDX or a Honda Pilot. Her argument is that we need a bigger car w/ a 2nd child. Which car is your wife wanting to replace? The CRV? I have always thought of that more is a 2-person car. Are you the person who gets your child in/out of your present car? In the future, ...
by ieee488
Sun Sep 13, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

Do not underestimate how much not having a job will affect your future job search. It is not fair but many people will see people that are unemployed as possible poor performers that are unemployed for a reason and be reluctant to make you a job offer or even give you interviews. When a job offer d...
by ieee488
Sun Sep 13, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Helping out my In Laws
Replies: 14
Views: 2140

Re: Helping out my In Laws

Any recommendations for someone in retirement to put it in Vanguard making more than the banks? Right now its making .050%. ;) 1. online money market account or 2. longer term CD - a local bank to me is paying 1.49% for a 20-month CD. I would tread carefully about "investing" at Vanguard ...
by ieee488
Sun Sep 13, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Unregistered will
Replies: 3
Views: 739

Re: Unregistered will

Here in NJ, wills are not registered. I just had a new one last month.
Check what it is in your stage. A simple Google search may be enough to get your answer.
by ieee488
Sat Sep 12, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please Critique CFP Recommended Portfolio
Replies: 52
Views: 3444

Re: Please Critique CFP Recommended Portfolio

Soli wrote:What do you think, Bogleheads?

I wouldn't be paying someone money for their advice for this portfolio.
Yuck!
by ieee488
Sat Sep 12, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Wifi Laser Printer - Recommendations?
Replies: 24
Views: 1954

Re: Wifi Laser Printer - Recommendations?

You'll want to look at how much the toner and drum cost to replace.
by ieee488
Sat Sep 12, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which way to go?
Replies: 20
Views: 1558

Re: Which way to go?

It isn't easy to post tables, but use the Code button. It will use typewriter fonts.

The LifePath funds look good. You will want to pick the one that combined with your other accounts gives you the asset allocation you want.
by ieee488
Sat Sep 12, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Which way to go?
Replies: 20
Views: 1558

Re: Which way to go?

Mixedup Chuck wrote:old 401k
=======
DREYFUS S&P 500 INDX (PEOPX 0.51%



new 401k
========
You don't have the expense ratio listed.


Vanguard Roth IRA
================
VTTHX Vanguard Target Retirement 2035 Fund Investor Shares
0.18% 136.091 $17.31 $0.04 0.23% $2,355.74
by ieee488
Fri Sep 11, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Roll-over question
Replies: 10
Views: 991

Re: 401k Roll-over question

I recently switched employers and need to take action on my old 401k. I will not cash it out. I can leave it where it is (Fidelity) and pay about $30 a year in fees. I can roll it over to an IRA (I would stay with Fidelity, no fees, offer free guidance/advising at a local office nearby). Or I can r...
by ieee488
Fri Sep 11, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

How will this affect your professional reputation, which you carry along with you for quite some time? It's a small world, no matter what profession you're in. Networking is a two-way street. You'd be surprised how word gets around on the "unofficial" grapevine. Do a good job, and continu...
by ieee488
Thu Sep 10, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: investing during retirement
Replies: 4
Views: 835

Re: investing during retirement

WesHarmon wrote:VGHCX 6000.00
VWINX 9000.00
VWELX 14000.00

What are these? People don't memorize ticker symbols.
And what are the expense ratios?

Don't know anything about variable annuities.
by ieee488
Thu Sep 10, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

Rodc wrote:Can you elaborate on what sort of contract this is?

It is a contract which states an hourly pay rate, that I am will not receive any company benefits, and that it is employment at-will.
So even though the contract expires in 6 months, they can get rid of me any time just as I can leave any time.
by ieee488
Thu Sep 10, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

Thank you all for the great advice.
I do appreciate it.
by ieee488
Thu Sep 10, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluating job offer
Replies: 15
Views: 2049

Re: Help evaluating job offer

Unfortunately, I think part of this was due to a series of bad interactions with the recruiter, but he ended up with the sense that the company was making the offer grudgingly because they just couldn't find anyone else. By recruiter do you mean the outside firm that was hired to find the company a...
by ieee488
Thu Sep 10, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: please review my portfolio?
Replies: 7
Views: 586

Re: please review my portfolio?

crit wrote:I do spreadsheet -- that's where the %s in the post came from.

Then you should be able to add an entry for your additional taxable contributions to see how it affects your percentages.

For someone in their 30s, 80/20, 75/25, 70/30 would all be acceptable depending on how aggressive you want to be.
by ieee488
Thu Sep 10, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio help please! Taxable account & early retirement investing
Replies: 11
Views: 1474

Re: Porfolio help please! Taxable account & early retirement investing

1. My first thought was to open a taxable account at Vanguard... but I have no idea what to put in it. I don't want this account to be part of the asset allocation for the "conventional" retirement, so would like to treat it as its own complete mini portfolio which will sustain me for 10-...
by ieee488
Thu Sep 10, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: please review my portfolio?
Replies: 7
Views: 586

Re: please review my portfolio?

Use a spreadsheet to track your portfolio.
I use one to get the big picture of my porfolio and to assist with re-balancing.
by ieee488
Thu Sep 10, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give? [Job resignation]

[*]You failed to get properly compensated in the first place. Your contract rate is equal to the hourly rate of a W-2 employee or only a little more. Companies love to do this and it usually also involves situations where independent contractor status is improperly applied. In actuality, I am not e...
by ieee488
Wed Sep 09, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

Re: what reason should I give?

Beth* wrote:Why are you resigning? That seems like a piece of important information before anyone can suggest an explanation. Generally you should give an explanation that is related to the truth.

Basically I want a way to say I would reconsider if the pay rate was more.
by ieee488
Wed Sep 09, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: what reason should I give? [Job resignation]
Replies: 57
Views: 7005

what reason should I give? [Job resignation]

I am considering resigning from my contract job with not another job lined up.
Financially I can weather it.
I would consider staying but only with a 25% increase in the hourly rate.

When asked what reason should I give?
by ieee488
Wed Sep 09, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Updated Request - Portfolio Questions
Replies: 4
Views: 448

Re: Updated Request - Portfolio Questions

Welcome!

I am bumping this up so that others with more knowledge can help with your questions.

The emergency fund can go into an online money market account. I use Barclays. They are paying 1.00% APY.
https://www.banking.barclaysus.com/online-savings.html
by ieee488
Wed Sep 09, 2015 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Help With Porfolio and 403(b)
Replies: 15
Views: 928

Re: Help With Porfolio and 403(b)

Greetings to all Bogleheads: Emergency Funds: $100,000 in a money market account at Sterling Bank and Trust (APY .50%) $50,000 in a one year CD with Ally Bank (APY 1.05%) Seems a little high to me. How much your yearly expense? Taxable Account: 1) VG 500 Index Admiral Fund (VFIAX) ER: 0.05% Stocks:...
by ieee488
Tue Sep 08, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Cliff - is it really a cliff?
Replies: 22
Views: 2349

Re: ACA Subsidy Cliff - is it really a cliff?

Got_Milk2015 wrote:the Kaiser Foundation calculator (my stats/state) the following results are generated:


Would you post a link to the calculator?
Thanks.
by ieee488
Tue Sep 08, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Portfolio Advice Please
Replies: 16
Views: 1121

Re: 401K Portfolio Advice Please

Am I in any way "hindering" the potential that I could be making if I were to keep some money in existing funds? For example, the T. Rowe Price Health Sciences Fund (PRHSX) has the following historical performance: Performance** Returns (as of 6-30-15) Fund Index Peer Group 1 year 42.77 3...
by ieee488
Tue Sep 08, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How Am I doing ? (39 y/o, NW- 3.5 mil)
Replies: 34
Views: 5647

Re: How Am I doing ? (39 y/o, NW- 3.5 mil)

ilovepiano wrote:I would but it's unnecessary. Majority of funds are in index funds. I have a stock portfolio also, blue chip companies.


I am not sure what is the real purpose of your original post since answers to questions asked are deemed "unnecessary".
by ieee488
Tue Sep 08, 2015 9:30 am
Forum: Investing - Help with Personal Investments
Topic: What to do with this old 401K?
Replies: 5
Views: 490

Re: What to do with this old 401K?

Those are very good expense ratios in the funds you chose.

There is no pressing reason to do anything, unless they start accessing an yearly fee.

Your other option is to rollover into an IRA.
by ieee488
Tue Sep 08, 2015 7:58 am
Forum: Personal Finance (Not Investing)
Topic: $1 short on the credit card payment
Replies: 31
Views: 3546

Re: $1 short on the credit card payment

If you are a good customer and have always paid on time then I would encourage you to call them and ask politely if they will waive the fee. Tell them it was obviously a typo and, given your customer history, they should give you break on this one. I'd give it a 50/50 shot at working. Otherwise jus...
by ieee488
Mon Sep 07, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Finishing rebalancing, moving forward....
Replies: 11
Views: 1158

Re: Finishing rebalancing, moving forward....

I am not familiar with the TIAA-CREF, so others more knowledgeable hopefully will chime in. I would create "total stock market" out of 81% -- LargeCap S&P 500 Index Inst Fund (PLFIX) (0.16%) 6% -- MidCap S&P 400 Index Inst Fund (MPSIX) (0.20%) 13% -- SmallCap S&P 600 Index Inst...
by ieee488
Sun Sep 06, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Noob Questions
Replies: 22
Views: 1281

Re: Noob Questions

This is what I think your top 3 concerns should be. 1. Getting the full match for your 401(k) 2. Paying off your credit card debt. 3. Establishing a emergency fund. I would add to above list the 30K in student loans at 7.25%. I would also want to know the amount and interest rate of the medical bil...
by ieee488
Sun Sep 06, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Noob Questions
Replies: 22
Views: 1281

Re: Noob Questions

Welcome! Mea culpa, as the missing edit button is due to me. When I edit a post, I sometimes remove the edit button so the content isn't changed back. You should see the edit button now (top right corner of the post, pencil icon). Check your email for an explanation. If you don't see it, feel free ...
by ieee488
Sun Sep 06, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Fund Classes
Replies: 12
Views: 557

Re: Fund Classes

Look into transfering the IRA to Vanguard or Fidelity.
Fidelity has their Spartan funds which are low-cost index funds.
https://investor.vanguard.com/account-t ... ansfer-ira

You need to read the Bogleheads wiki.
by ieee488
Sun Sep 06, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 5354

Re: Career Issue -- How do I recover?

It sounds like this new position still reports to your manager or am I wrong? If it does, it is odd that his manager had the final say in the promotion. If it is an equivalent position to your manager, then I can understand why his manager was the one who decided the promotion. The person who got t...
by ieee488
Sun Sep 06, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 5354

Re: Career Issue -- How do I recover?

It sounds like this new position still reports to your manager or am I wrong? If it does, it is odd that his manager had the final say in the promotion. If it is an equivalent position to your manager, then I can understand why his manager was the one who decided the promotion. The person who got t...
by ieee488
Sun Sep 06, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 5354

Re: Career Issue -- How do I recover?

It sounds like this new position still reports to your manager or am I wrong? If it does, it is odd that his manager had the final say in the promotion. If it is an equivalent position to your manager, then I can understand why his manager was the one who decided the promotion. The person who got th...
by ieee488
Sat Sep 05, 2015 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice, 15yrs out from retirement.
Replies: 12
Views: 1596

Re: Portfolio advice, 15yrs out from retirement.

I was under the impression that a transfer from one fund family to another was, in effect, a custodial transfer. As I am unfamiliar with capital gains taxes due , do you think these gains might total @51K to move me into the 28% bracket? I truly hope not! Transfers of IRAs have no tax concerns. Ins...
by ieee488
Sat Sep 05, 2015 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice, 15yrs out from retirement.
Replies: 12
Views: 1596

Re: Portfolio advice, 15yrs out from retirement.

Your wife has one traditional IRA. You have one traditional IRA. You may have different accounts at various institutions, but it is one IRA. The same applies to Roth IRA. With taxable accounts, you have consider the capital gains when you sell to purchase shares of Vanguard's index funds. You don't ...
by ieee488
Sat Sep 05, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Accounts and Going To Graduate School
Replies: 3
Views: 717

Re: Retirement Accounts and Going To Graduate School

You should confirm with the university about that scholarship money.

You will want to read http://www.forbes.com/sites/financialfi ... to-an-ira/
by ieee488
Sat Sep 05, 2015 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions
Replies: 5
Views: 598

Re: Portfolio Suggestions

What are you current choices in your 403b - include expense ratios?

I do not like any of your funds in your tIRA or RothIRA.
Simple 3-fund portfolio is the way I have my portfolio.
by ieee488
Sat Sep 05, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Another Job Change Question
Replies: 6
Views: 671

Re: Another Job Change Question

What if Company B doesn't make an offer?
by ieee488
Fri Sep 04, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 38
Views: 4590

Re: Can I sue my former employer?

Is there a way to have it changed to layoff so that you can collect unemployment?
by ieee488
Fri Sep 04, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and 401k help
Replies: 9
Views: 709

Re: Portfolio Review and 401k help

I think http://www.bogleheads.org/forum/viewtopic.php?t=6211 would be a good place to start for answering basic questions.
by ieee488
Fri Sep 04, 2015 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and 401k help
Replies: 9
Views: 709

Re: Portfolio Review and 401k help

You'll want at least 20% bonds. Too many funds. 401k ==== Voya Russell Smallcap Index Port S2 (IRCIX) (0.96) Voya Russell Midcap Index Port S2 (IRMTX) (0.93) Voya US Stock Index Port S2 (ISIPX) (0.77) Should get you close to total stock market index Make up for lack of bond index in your rollover IRA
by ieee488
Fri Sep 04, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: keep an inactive solo 401K
Replies: 7
Views: 465

Re: keep an inactive solo 401K

As for the IRS documents I had to file this year, Fidelity sent me a packet. The forms were: 1) Plan Amendment Certification 2) Profit Sharing/Standardized 401k Plan Adoption Agreement No. 003 This happens periodically when the IRS requires updates to in place plans to conform with tax or regulator...
by ieee488
Fri Sep 04, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Possible job change advice
Replies: 11
Views: 1072

Re: Possible job change advice

One person basically does an overwhelming majority of the work while the rest of us do our little tasks. I worry about what the future holds if/when the (you know what) hits the fans and that one person becomes too overwhelmed or can no longer do everything he is doing. We could all chip in and do ...

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