Search found 445 matches

by kd2008
Sat Dec 03, 2016 5:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA rules for deceased spouse?
Replies: 24
Views: 1221

Re: HSA rules for deceased spouse?

HSA has a designated beneficiary. Money goes there upon death. If the expenses need to be reimbursed then technically that has to happen before the HSA is transferred over. It is upto you to figure out how reasonably quickly you can act upon death of your spouse. The answer almost universally will b...
by kd2008
Sat Nov 05, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 5250

Re: Frustrated with Health Insurance Premiums for 2017

This discussion has become an echo chamber. I wish there were folks from other backgrounds on this thread like those that were finally able to have insurance inspite of having a pre-condition, were accepted into Medicaid through expansion, avoided bankruptcy for medical bills, reduced uncompensated ...
by kd2008
Tue Nov 01, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6232

Re: Healthcare costs and self funding

OP, here is an example of ACA compliant catastrophic plan. There may be others.

https://www.chministries.org/catastrophicbills.aspx

https://www.chministries.org/programs.aspx
by kd2008
Mon Oct 31, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Getting healthcare prices before enrolling
Replies: 19
Views: 1363

Re: Getting healthcare prices before enrolling

According to GoodRx, 90 pills of Lipitor could be had for $25 from Walgreens. Still trying to figure out how to get the price she would pay for the drug and contact with HR and CVS has not been successful. Perhaps sticking with the high-deductible non-HSA plan with the $80/year co-pay for her drug ...
by kd2008
Mon Oct 31, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Getting healthcare prices before enrolling
Replies: 19
Views: 1363

Re: Getting healthcare prices before enrolling

Actually the price is what insurance wants to cover and it has no basis in reality. Take for example CVS Caremark. This is what I found within their system: With one large employer, whose HDHP plan requires you to pay everything until you meet the deductible, generic lipitor for 90 days costs $13 Wi...
by kd2008
Sat Oct 29, 2016 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Transfer USD to INR (from the US to India) - cheapest and most reliable method?
Replies: 6
Views: 665

Re: Transfer USD to INR (from the US to India) - cheapest and most reliable method?

Xoom.com is instant transfer to HDFC, PNB and Yes Bank and no fees over $1000, low daily limit of 3000 I think, 4 hours for other banks, first time verification may take a week, lower exchange rate. Other is https://www.ofx.com/en-us/ good rate, no fee over $5000 but takes 2 days. I have found xoom ...
by kd2008
Wed Oct 26, 2016 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: HSA transfer question / Help
Replies: 6
Views: 552

Re: HSA transfer question / Help

https://thefinancebuff.com/how-to-rollo ... r-fee.html

Sometimes not doing trustee to trustee transfer is better. Please read the above article and comments. Manual rollover tolls once per 12 months with clock starting with the first rollover.
by kd2008
Tue Oct 25, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 1717

Re: Lowest HSA Fees

No cash position will cost you some fees. Its up to you to decide.

Also read: https://thefinancebuff.com/hsa-transfer ... vices.html

https://thefinancebuff.com/best-hsa-pro ... money.html
by kd2008
Sun Oct 23, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1417

Re: Use of TransferWise to move money - my experience - your thoughts?

In my immigrant community xoom is popular. https://www.xoom.com/south-africa/send-money First time things are slow due to verification but subsequently things are fast as promised. Xoom offers same day transfers on many currencies. I take that over some promise of better exchange rate. Also exchange...
by kd2008
Fri Oct 21, 2016 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6232

Re: Healthcare costs and self funding

OP, I believe I understand what you are trying to suggest. People to do self insure in many parts of world, but it is not the case in many of the industrialized nations and not the case in the US. ACA does give you the option of buying just the catastrophic coverage. Basically, you pay everything ti...
by kd2008
Tue Oct 11, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2414

Re: Highly compensated employee limits - 401k

HCE = Highly compensated employee IRS HCE limit is 120,000 for 2016. A 401k plan may simply accept this or stipulate that top 20% earners are HCE. Your boss/CEO is correct and well-informed. If you contributed more than 2% of average of non-HCE cohort, the excess amount may be refunded to pass the d...
by kd2008
Wed Oct 05, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5180

Re: BlackRock Cuts Prices on ETFs

This is a big deal. Blackrock is a giant that can take on Vanguard unlike others who are more wannabes. It is of course, great news for consumers. Thank you Jack!
by kd2008
Tue Oct 04, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 378
Views: 114829

Re: The Mega Backdoor Roth IRA

My company allows us to contribute over the 18,000 limit. But it is unclear if they will allow me to roll it in to an IRA. per contribution section of my plan. "If your combined pre-tax and Roth contributions exceed the federal limit for a year (discussed earlier in Section ; for 2016, this li...
by kd2008
Wed Sep 28, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please! [2016 Edition]
Replies: 4
Views: 328

Re: Portfolio Review Please! [2016 Edition]

retiredjg wrote:What is going to happen with the after-tax account? Are you planning to roll it into Roth IRA or a regular basis? If not, I think I'd put the money into your taxable account instead.


Yes, I am allowed 2 withdrawals each year. I will be rolling it into Roth IRA.
by kd2008
Wed Sep 28, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please! [2016 Edition]
Replies: 4
Views: 328

Portfolio Review Please! [2016 Edition]

Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds not included in asset allocation below No debt. Car and Condo paid off. Tax Filing Status: Single Tax Rate: Federal-25%, State-5% Age: 35 Desired Asset allocation: 80 Stocks/20 Bonds, 33% Intern...
by kd2008
Thu Sep 15, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13488

Re: How much is your cell phone bill?

Cricket $35/month will change to their $30 1GB plan on 9th. I do not pay anything as I have over $1500 account credit in referral and switcher credits and cricket rewards. I have maxed out my cricket rewards and referral credits for the year. So waiting for Jan. 1st to start again. I use a LG risio...
by kd2008
Tue Sep 13, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Countries holding gold among assets
Replies: 7
Views: 690

Re: Countries holding gold among assets

A country's currency can be manipulated and made worthless by hyperinflation - see Germany during the world war or recently Zimbabwe, Venezuela will join them soon. Geopolitical instabilities and sanctions can obliterate economies. Balance of payments crisis is typical see Iran recently and India in...
by kd2008
Mon Sep 12, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 45
Views: 5975

Re: What shape is your net worth curve?

y = 191,057.46781*(x^0.54559)

where x= 1,2,3 etc for Year = 2013,2014,2015 etc

R² = 1.00000
by kd2008
Wed Sep 07, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13488

Re: How much is your cell phone bill?

Cricket $35/month will change to their $30 1GB plan on 9th. I do not pay anything as I have over $1500 account credit in referral and switcher credits and cricket rewards. I haved maxed out my crickerewards and referral credits for the year. So waiting for Jan. 1st to start again. I use a LG risio. ...
by kd2008
Tue Jun 28, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 8426

Re: Your shopping strategy for new tires?

discount tire direct Fourth of July sale is on I could get a set of tires for $83 after rebates (plus installation), if I needed them right now. Good tires too - Cooper CS5 ^that's $83 for FOUR tires. Costco can't touch that price, TireRack can't, WalMart can't, ... What tire size? http://www.disco...
by kd2008
Fri Jun 24, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 11095

Re: International stocks in free fall

Rotated from VTIAX to VFWAX in Jan to book losses. I rotated back in VTIAX last week and bought another 10K. :oops:

I am thinking of buying some more, but oh boy, those unrealized short term losses are going to sting for a while. I can't sell until mid August to keep my dividends qualified.
by kd2008
Thu Jun 16, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Top 9"+ Tablets for cheap
Replies: 17
Views: 2053

Re: Top 9"+ Tablets for cheap

If you are in market for a new 8" tablet checkout 16GB LG G Pad X 8.0 WiFi + 4G LTE Tablet - it is a decent midlevel tablet released 2 weeks ago. It is free after mail in rebate. http://www.t-mobile.com/internet-devices/lg-g-pad-x-80.html Need to sign installment plan $10/month w/ credit check ...
by kd2008
Wed Jun 08, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: 401k(s) are not the best way to save for retirement?
Replies: 57
Views: 6808

Re: 401k(s) are not the best way to save for retirement?

Most comprehensive posts you want to read and understand are the ones below, everything else, I mean everything is hot gas and baloney! https://thefinancebuff.com/case-against-roth-401k.html https://thefinancebuff.com/roth-401k-for-people-who-contribute-max.html https://www.bogleheads.org/forum/view...
by kd2008
Fri Jun 03, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 136
Views: 11327

Re: International stocks underperformed for the last 20 years.

This is what a growth chart looks like from Portfolio Visualizer for someone who invested $10,000 each year over the past 20 years http://i64.tinypic.com/ofyja.png Portfolio 1 100% Total Stock Market VTSMX Portfolio 2 80% / 20% Total International VGTSX Portfolio 3 50%/50% Thanks for the visual - t...
by kd2008
Fri Jun 03, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 13227

Re: Early retirement and opportunity cost, by Harry Sit

When I have what I need to sustain the lifestyle I want then that is it for me. And when you don't? Should you settle with what you have and take time over money as you say you would any day? Harry, your article has been extremely thought provoking. Thank you for sharing it with us. Nearly everyone...
by kd2008
Sat May 28, 2016 6:57 am
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 5333

Re: Traveling through Albuquerque - safe to stop?

Say what now? Is this a bad joke? ABQ is like any other city in the US. Yes, there may be crime but it is an awesome city.
by kd2008
Mon May 23, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 8650

Re: Vanguard advisor at 0.03%

I am currently undergoing the consultation process. PAS is a high level service that is really robo-driven with the ability to talk to a real person. They do not offer to check my blind spots - am I adequately insured, do I have beneficiary designations and other things done right, how much would T...
by kd2008
Tue May 10, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: More House or More Investing?
Replies: 25
Views: 2964

Re: More House or More Investing?

I concur with posters pointing out that bigger house when both of you are working means more maintenance and less enjoyment. Simply because we have finite time and money at our disposal. Have a look at http://thefinancebuff.com/looking-at-the-big-financial-picture.html http://thefinancebuff.com/life...
by kd2008
Tue May 10, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 8650

Re: Vanguard advisor at 0.03%

I am currently undergoing the consultation process. PAS is a high level service that is really robo-driven with the ability to talk to a real person. They do not offer to check my blind spots - am I adequately insured, do I have beneficiary designations and other things done right, how much would TL...
by kd2008
Mon May 02, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Revisiting “Could I retire…. next week?” two years later
Replies: 12
Views: 3760

Re: Revisiting “Could I retire…. next week?” two years later

Hi Dwayne, I am way inexperienced and too junior to offer advice. But here are my answers: Would I be unwise to allow myself to spend $80,000 yearly? No. You can spend that amount. Just remember to account for taxes. With my desire to take approximately $100,000 out of my portfolio for use in moving...
by kd2008
Fri Apr 08, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Transferring large sums to Indian NRI account for Fixed Deposit
Replies: 26
Views: 1912

Re: Transferring large sums to Indian NRI account for Fixed Deposit

I have FCNR deposits in India so I can speak about this a bit. Do not chase NRE interest rates. You are doing many mistakes: 0. Wiring dollars to India. Pay commission. 1. Converting dollars into rupees. Pay exchange rate costs. 2. Earning interest in Indian rupees. If it is a NRE FD no tax on inter...
by kd2008
Thu Mar 31, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Car totaled in hail storm. Seeking advice to keep or total out
Replies: 15
Views: 1042

Re: Car totaled in hail storm. Seeking advice to keep or total out

Is $7800 > ($3200 + hailed damaged car as-is today)? If yes, total it. If no, keep it. Your supposed plan to trade-in in two years or its value in two years etc is not relevant to this transaction. Once you have made the decision to the question in first line, and you end up with a car, you then hav...
by kd2008
Thu Mar 31, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 12163

Re: Financially, how have you done/doing vs. your parents?

Pardon me, but I do not get these stories. Correct me if I am wrong: Does the title of the question imply this? If your parents were financially X in relation to their cohorts, are you greater than X (appropriately adjusted to now) in relation to your cohorts. I do not understand the point of saying...
by kd2008
Wed Dec 02, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 18245

Re: Boglehead cell phone strategy

Do you need to use that actual phone on AT&T service or can you use a different phone? My wife has cricket now and will probably do this for the upgrade. I would port my # from page plus to AT&T for the service.. would I be able to: 1) Unlock this phone 2) Use the SIM from this phone in her...
by kd2008
Tue Nov 24, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4951

Re: GEICO Umbrella- Almost Too Good to be True

OP, what state are you in? I have auto, condo & umbrella with GEICO and I do not get bundling discount for umbrella, just for condo.
by kd2008
Fri Nov 20, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please! [2015 Edition]
Replies: 4
Views: 684

Re: Portfolio review please! [2015 Edition]

Thank you Dulocracy for your kind words. It was quite a path to get here. Retiredjg, thank you for your wisdom. Last time I tax loss harvested was in 2011 and I pretty much made up my mind that it was not my thing. I rather funnel more money in when markets are down. But I know I cannot be too certa...
by kd2008
Fri Nov 20, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please! [2015 Edition]
Replies: 4
Views: 684

Portfolio review please! [2015 Edition]

Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds = 10 months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 2.7K@ 0% for 9 mon.remaining Tax Filing Status: Single Tax Rate: Federal-25%, State-5.25% Age: ...
by kd2008
Sat Oct 24, 2015 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 3756

Re: Mortgage Payoff Bungled by Lender

Contact CFPB at http://www.consumerfinance.gov/complaint/ with your complaint and proof. All will be sorted out much quicker than any other avenue.
by kd2008
Fri Oct 23, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 29482

Re: What are your 2 retirement numbers?

All these posts brought a wry smile to my face. I am an engineer and a numbers guy. Few years back I wanted to know what was my number for retirement. I was disappointed to learn it involved all kinds of assumptions about future. That was when I had my aha moment. I was ok with an uncertain future a...
by kd2008
Wed Oct 21, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Hotel Loyalty clubs
Replies: 16
Views: 1819

Re: Hotel Loyalty clubs

Once you decide on your choice of program, have a plan to burn the accumulated points in the same year or next year. Every 2-3 years these loyalty programs change and get devalued. I have seen folks sit on couple of million points only to see that their value diminish by half overnight. Instead of t...
by kd2008
Fri Sep 18, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 14539

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

I believe the author conflates many different issues: (a) saving money in your 20s, (b) networking and getting ahead in your career, and (c) spending money. Author believes there is a direct relationship between these things. I believe there is not and moreover, sheer luck, as in the socioeconomic s...
by kd2008
Fri Jul 10, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 790

Re: Changes in 401k funds lineup, help please!

OK so finally things changed over... From: 28.2% BlackRock S&P 500 Index Fund BSPIX 0.12 14.8% JP Morgan Core bond fund Load waived A class (PGBOX.lw 0.76%, tracks Barclays US aggregate bond index closely) To: 28.2% Vanguard 500 Index Admiral VFIAX 0.05 14.8% JPMorgan Core Bond R6 JCBUX 0.35 Of ...
by kd2008
Tue Jul 07, 2015 4:11 am
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1974

Re: VTIAX price drop discrepency

Bought $14K of VTIAX yesterday in my Vanguard taxable account. Vanguard gave $26.63 as the price per share. I hope it is correct. Please let me know if it is not & I will call them.
by kd2008
Tue Jun 30, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: What do you do to reduce your "need" expenses?
Replies: 27
Views: 2191

Re: What do you do to reduce your "need" expenses?

Don't forget what you earn also has a role to play. Design a lifestyle that is in sum balanced. Reducing needs in vacuum would not add anything to quality of life. Have a look at this lifestyle design series from The Finance Buff: http://thefinancebuff.com/tag/lifestyle-design http://thefinancebuff....
by kd2008
Sat May 16, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 790

Re: Changes in 401k funds lineup, help please!

Thank you retiredjg! I appreciate your feedback. I will do what is easy - do nothing and let funds swap out. It is good to know that Total international is placed ok. I thought that 100% qualified dividends of Total Stock Market fund provided more tax benefit vs the 75% qualified dividends of Total ...
by kd2008
Fri May 15, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 790

Re: Changes in 401k funds lineup, help please!

You may want to check this out: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement I'm surprised they didn't give you a Vanguard bond fund in that mix. Also, just out of curiosity, did you mean the change is effective in 2015 instead of 2016? If I were you I'd keep your inter...
by kd2008
Fri May 15, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 790

Changes in 401k funds lineup, help please!

My earlier portfolio was listed here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=128518&p=1888493#p1887904 Emergency funds = 12+ months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 4.5K@ 0% for 15 mon.remaining Tax Filing Status: Single Tax...
by kd2008
Mon Mar 09, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1341

Re: Increased travel for work - how would you approach this?

Sorry to revive this old thread. But I need serious advice now. At my annual review in Jan, I did bring up lack of additional compensation for the increased travel. It was met with customary acknowledgment but nothing else. Next week after my review, the opportunity dried up. So all went away from t...
by kd2008
Fri Feb 13, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 2079

Re: Cell Phone Provider

+1 for Cricket Wireless. $35 on autopay for unlimited talk & text w/ 2.5 GB high speed data (8 MB/s on LTE) and then unlimited low-speed data.
by kd2008
Tue Feb 03, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: $36,000 Net Budget
Replies: 22
Views: 4229

Re: $36,000 Net Budget

33, single, male

$1,864 Total per month (Spends way too much!)

About a quarter of post-tax pay
Retirement savings about 16x of annual spending

Edit: removed details

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