Search found 110 matches

by lostinjersey
Tue Aug 15, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1449

Re: Experience with Modular/Manufactured Homes

Thanks everyone for the replies. We will stick with modular homes and cross manufactured off the list. My mom lived in a trailer house in they were first married and she wants nothing to do with them now. Anyone else have recommendations or thoughts on modular homes? I appreciate the suggestions for...
by lostinjersey
Sat Aug 12, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1449

Experience with Modular/Manufactured Homes

My mom is 67 and lives 10 miles outside of town by herself in the home I grew up in, in Montana. My dad died last year and she has decided she doesn't want to deal with winters in the country any more, so she'd like to move 'into town'. Unfortunately there are no decent homes in the tiny town that s...
by lostinjersey
Tue Aug 08, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16195

Re: Life at crossroads. What would you do ?

What would I do? I would get the heck out of the Bay Area as fast as I could, find jobs in a nice city in the Midwest, and settle down to raise my family. Oh wait. That's exactly what I did. And it's amazing. Mortgage is $1,100 a month for a nice 4 bed/3 bath, schools are rated 10/10, commute is 20 ...
by lostinjersey
Fri Aug 04, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2093

Re: Can my wife afford to stay home?

As a mom who works outside the home full-time, I would like to point out that even though my child has attended daycare and now public schools all her life, her father and I are still "raising" her. I simply don't understand this argument. Presumably you are working and not home all the t...
by lostinjersey
Fri Aug 04, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2093

Re: Can my wife afford to stay home?

A vote for having her stay at home. Not sure what you means by encouraging her to work/go back to school in the next couple of years. If your youngest is 1, then grade school would still be 5 years away right? We went to 1 income last year with the birth of our first child (both 31 years old). Wife...
by lostinjersey
Mon Jul 24, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7938

Re: Investing Education and Mansplaining

Don't know about videos, but Beth Kobliner's books are fabulous for that age group.
by lostinjersey
Thu Apr 20, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 5662

Re: Calling for all the Moms: career and family.

Working mom here, mid-career. I have always worked full-time and so has my husband. We are both mid level managers with MBAs. I currently work from home with a lot of flexibility and get to pick up my daughter from the bus, take her to activities in the afternoon, and run the errands - sort of like ...
by lostinjersey
Sun Mar 19, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 6849

Re: A SUV for towing a Travel Trailer

Our Chevy Traverse tows up to 5,200 lbs.
by lostinjersey
Wed Oct 26, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Medical insurance for green card holders who come and go from the US
Replies: 5
Views: 507

Re: Medical insurance for green card holders who come and go from the US

Huey, Thanks for the response, very helpful. The in-laws are not eligible for Medicare, so their only option is an ACA or private plan. If they are considered US residents the entire time they are here, that will simplify the insurance stuff. No need to go on/off the plans, just enroll in Obamacare ...
by lostinjersey
Wed Oct 26, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Medical insurance for green card holders who come and go from the US
Replies: 5
Views: 507

Medical insurance for green card holders who come and go from the US

I'm hoping there are some Bogleheads who are familiar with this scenario and can offer advice, or perhaps point me toward more relevent web resources. My mother- and father-in-law will likely become green card holders in the next few months. They plan to spend about 8 or 9 months every year in the U...
by lostinjersey
Tue Jun 14, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Administration Fees
Replies: 4
Views: 535

Re: 401k Administration Fees

You can also look on NetBenefits for the fee document. It's usually called an 'annual fee disclosure' or something similar, and is located in the Plan Documents section of the website.
by lostinjersey
Mon Jun 13, 2016 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Leave a job, and pension money on table?
Replies: 19
Views: 2823

Re: Leave a job, and pension money on table?

I'm a wife, and make about what your wife does. I've also worked in govt. It can be soul sucking. If my husband was pressuring me to stay at a job I hated for a few bucks in pension in 20 years, I'd be looking for a new husband. Support her in looking around. You might lose some money but that's not...
by lostinjersey
Wed Jun 08, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 51
Views: 6927

Re: Company Being Acquired - Any Advice?

If you're not yet 100% vested in your 401(k) match or other employer contributions, leave your money in the plan for 6-12 months even if you lose your job. There's a good likelihood the old plan will be terminated, which will cause automatic 100% vesting for everyone in the plan. So let it ride unti...
by lostinjersey
Mon May 30, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Moving logistics - 2 cars, 1 month
Replies: 10
Views: 845

Re: Moving logistics - 2 cars, 1 month

We've done this a couple of times. Both times we went with option 1. The others sound like a big hassle. We used DAS (Dependable Auto Shippers) and had no complaints.
by lostinjersey
Wed May 18, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why the Low Quantitative Score on the GMAT?
Replies: 26
Views: 2629

Re: Why the Low Quantitative Score on the GMAT?

My undergrad is in math, and like you I took the GMAT about 20 years later. I did study pretty intensely for maybe 4-6 weeks before I took it, and got a high score. I think you need more practice. It's been a while, but if I remember correctly, the GMAT methodology penalizes you for missing early, e...
by lostinjersey
Wed May 11, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 5066

Re: One Week "Sabbatical"

Anywhere in the northern part of the West would do the trick - Colorado, Idaho, Wyoming, Montana are all gorgeous in summer and have loads of hiking/fishing/microbreweries. Throw in some river rafting for good measure and you'll want to go every summer. ETA: In Colorado, I'd stick to the SW part an...
by lostinjersey
Wed May 11, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Any Farmers? Question about Leasing Land
Replies: 12
Views: 2336

Re: Any Farmers? Question about Leasing Land

Thank you everyone for this very helpful information. It basically validates that my mom is doing all the right things. She has been in touch with the local ag office and knows what the going rate for cash rent is. This is a very non-fertile and dry part of the country, so rents and land prices are ...
by lostinjersey
Wed May 11, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 5066

Re: One Week "Sabbatical"

Anywhere in the northern part of the West would do the trick - Colorado, Idaho, Wyoming, Montana are all gorgeous in summer and have loads of hiking/fishing/microbreweries. Throw in some river rafting for good measure and you'll want to go every summer. ETA: In Colorado, I'd stick to the SW part and...
by lostinjersey
Mon May 09, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any Farmers? Question about Leasing Land
Replies: 12
Views: 2336

Any Farmers? Question about Leasing Land

My parents were dryland farmers all their lives, raising wheat and other grains in a midwest state. My father passed away and now my mother (age 65) owns all the land and intends to keep it and lease it out. She only wants a cash rent lease, no crop shares, and plans to continue this setup until she...
by lostinjersey
Thu Mar 31, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: How To Withdraw Roth IRA Earning for House Downpayment
Replies: 3
Views: 505

Re: How To Withdraw Roth IRA Earning for House Downpayment

We just did this. The order of withdrawals from a Roth IRA is always contributions, then conversions, then earnings.

Here's a thread I started that had a lot of helpful info. Good luck with your home purchase!

viewtopic.php?t=185028
by lostinjersey
Fri Feb 19, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated Roth IRA Withdrawal Questions
Replies: 8
Views: 927

Re: Complicated Roth IRA Withdrawal Questions

Thanks everyone (especially Alan S) for the super helpful replies. I have enough information to proceed now. I'll be back if more questions pop up.
by lostinjersey
Fri Feb 19, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated Roth IRA Withdrawal Questions
Replies: 8
Views: 927

Re: Complicated Roth IRA Withdrawal Questions

Alan S, thank you so much for your response. I have a few follow-up comments/questions below in red . 1) There is no 5 year holding period for the non taxable portion of a conversion. Look at your 2012 8606 forms. If your conversions were non taxable you can withdraw that conversion money anytime ta...
by lostinjersey
Fri Feb 19, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Complicated Roth IRA Withdrawal Questions
Replies: 8
Views: 927

Complicated Roth IRA Withdrawal Questions

I'm looking for some help understanding the two separate 5-year rules around withdrawals from Roth IRAs. We are buying a house and the goal is to take as much as we can without penalty or taxes from our Roth IRAs. Here is the situation: At this point all of our Roth balances are consolidated in our ...
by lostinjersey
Wed Feb 10, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 3920

Re: Sell truck and buy SUV?

I didn't see it mentioned yet, and I'm not sure it's big enough, but the Chevy Traverse is a nice SUV with better towing capacity than most. Might be worth a look.
by lostinjersey
Tue Feb 09, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Vesting Clarificarion
Replies: 3
Views: 378

Re: 401k Vesting Clarificarion

One only. Not rolling.
by lostinjersey
Fri Jan 22, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vesting Status of 401(k) at old employer
Replies: 5
Views: 567

Re: Vesting Status of 401(k) at old employer

Most plans don't forfeit nonvested balances until you've been gone for 5 full years. Doesn't mean you'll ever vest, just means they're leaving it there in case you come back.
by lostinjersey
Sun Jan 17, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 2505

Re: Bike or hike trip

Backroads does trips like that, all over the world. Www.backroads.com
by lostinjersey
Sat Jan 16, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 3873

Re: Films or TV with great period sets

The Forsyte Saga miniseries captures upper middle class Victorian England in exquisite detail.
by lostinjersey
Mon Jan 11, 2016 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!
Replies: 4
Views: 491

Re: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!

Unless your plan allows you to direct your investments by source (i.e. employee contributions, company match, etc.), which is very rare, Method 2 applies. Why is this unfair? You invested in funds that lost money, shouldn't that apply to your contributions as well as the unvested match? You don't ge...
by lostinjersey
Mon Jan 11, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Pamplona Spain (Running of the bulls) Recommendations
Replies: 12
Views: 1271

Re: Pamplona Spain (Running of the bulls) Recommendations

Honestly I would spring for the cruise package. Otherwise I can see this devolving from an amazing once-in-a-lifetime experience, to a logistical disaster in which you spend hours in crowds and traffic and never lay eyes on a bull.
by lostinjersey
Fri Nov 27, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer before 401k lump sum made
Replies: 9
Views: 1258

Re: Leaving Employer before 401k lump sum made

If your 401k plan is on the calendar year, and you are employed on December 31, 2015, then you are most likely eligible for the March/April 2016 employer contribution. 401k plan contributions are different from the typical bonus that requires employment on the date the bonus is paid. The only way to...
by lostinjersey
Sat Nov 21, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: 401K contribution: regular vs. catch-up
Replies: 16
Views: 1841

Re: 401K contribution: regular vs. catch-up

The IRS doesn't care if your deferrals are coded as regular or catch-up, as long as the total doesn't exceed the $24,000 cap. However, the plan typically does care. For example, it's uncommon to get match on catch-up contributions. What you've described is a common mistake and usually can be easily ...
by lostinjersey
Sat Nov 21, 2015 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: 401K contribution: regular vs. catch-up
Replies: 16
Views: 1841

Re: 401K contribution: regular vs. catch-up

Definitely a payroll flub. They should have stopped your after-tax contributions before they hit the $6000 limit. Talk to your payroll department ASAP, so it gets straightened out before the end of the year. Not sure why you say after tax. Catch up contribs are same status as regular 401k contribs,...
by lostinjersey
Sat Nov 21, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: 401K contribution: regular vs. catch-up
Replies: 16
Views: 1841

Re: 401K contribution: regular vs. catch-up

Definitely a payroll flub. They should have stopped your catch-up contributions before they hit the $6000 limit. Talk to your payroll department ASAP, so it gets straightened out before the end of the year.
by lostinjersey
Thu Nov 19, 2015 6:24 pm
Forum: Investing - Theory, News & General
Topic: Changing 401(k) providers - Employee Communication?
Replies: 20
Views: 1686

Re: Changing 401(k) providers - Employee Communication?

Your new provider should be able to give some suggestions. I'd start there.
by lostinjersey
Sun Nov 15, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about NQDCs [Nonqualified deferred compensation]
Replies: 10
Views: 1282

Re: Let's talk about NQDCs

Typically these plans are open to employees above a certain salary level. Some companies offer eligibility based on job title, but pay is much more common.

There are also limits on how many employees can be covered by these kinds of plans. No hard-and-fast cap, but in the 5-10% range.
by lostinjersey
Sun Nov 15, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance for first time homebuyer
Replies: 15
Views: 2168

Re: Guidance for first time homebuyer

Thank you everyone for the tips. I'm finding lots of good info on the sites you suggested, and the helpful advice is greatly appreciated too.
by lostinjersey
Sat Nov 14, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance for first time homebuyer
Replies: 15
Views: 2168

Guidance for first time homebuyer

My husband and I are wading into homeownership. He owned a house before we met, but we have been renters our entire marriage (8 years). Is there a bogleheads type forum for homebuyers? We have the financial side down, but could use help on the ins and outs of finding the right home, right realtor, r...
by lostinjersey
Fri Nov 13, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage for Immigrant Parents
Replies: 14
Views: 1785

Re: Health Coverage for Immigrant Parents

Can I ask why you decided to go with travel insurance (which covers very little) as opposed to an exchange plan (which provides broad coverage)? I'm in a similar position and am weighing this myself, but am landing on the side of the exchange. Am curious as to how you arrived at your decision and wh...
by lostinjersey
Wed Nov 04, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Question About Rolling Over 401(K) When New Job Doesn't Start til 2016
Replies: 13
Views: 765

Re: Question About Rolling Over 401(K) When New Job Doesn't Start til 2016

If your balance is greater than $5,000 they can't make you take it (unless they're terminating the plan or something). If it is less than $5,000, I would move it to a vanguard IRA and make sure you don't put any other contributions in that account. Then you can roll it to NewCo's 401k plan (assuming...
by lostinjersey
Tue Nov 03, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Post Car Accident Question on Insurance Tactic
Replies: 28
Views: 3000

Re: Post Car Accident Question on Insurance Tactic

My sister was in an accident when she was 8 months pregnant. When she was first checked out, her doctor said she was fine, but problems later presented and she was induced before her due date. Her son ended up having 2 operations before he was a year old, due to the accident. Both she and her son re...
by lostinjersey
Sat Oct 31, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Employer contribution 401k question
Replies: 12
Views: 1499

Re: Employer contribution 401k question

That's right. If your employer put in other contributions -- profit sharing, QNEC, QMAC, etc. -- you could be subject to the $53K max. But a plan with a 6% total employer contribution, by design, will never hit that limit for any employee, because of the way the math works.
by lostinjersey
Sat Oct 31, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Employer contribution 401k question
Replies: 12
Views: 1499

Re: Employer contribution 401k question

$265K is the maximum comp that is eligible for 401k contributions. This is an IRS limit. If the match formula is 100% of 6% of pay, then $15,900 is the max possible match anyone can get in this 401k. There may be a non-qualified plan that sits on top of the 401k and provides a match on pay above $26...
by lostinjersey
Thu Oct 15, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 23180

Re: Is The Bay Area Worth It?

We moved to the BA about 18 months ago. We are dual income, one kid, make about $250K combined. We are leaving as soon as one of us finds a job. Yes it's a magical place to visit, but living here is the epitome of the rat race. We're headed to a flyover state. Weather won't be so great, but our qual...
by lostinjersey
Wed Oct 07, 2015 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement with company health insurance until medicare
Replies: 20
Views: 2299

Re: Early retirement with company health insurance until medicare

The offer sounds good and I would take it, but go in with eyes wide open. Retiree medical is not a protected benefit under ERISA and many companies are reducing or eliminating it, even for current retirees. It's an easy place for cash-strapped companies to find some savings, and it will continue to ...
by lostinjersey
Fri Sep 25, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying whole life insurance in NJ -- Tricky question
Replies: 3
Views: 469

Buying whole life insurance in NJ -- Tricky question

Hello, I'm hoping for help in locating a trustworthy life insurance agent in central NJ. My friend (age 65) wants to buy a policy that will provide a death benefit through age 90, and allow her to draw some cash benefit ( say 50-75% of surrender value) in her mid-80s. She would also like to have a L...
by lostinjersey
Thu Aug 20, 2015 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House?
Replies: 51
Views: 4786

Re: Sell or Rent Out House? [Bay Area]

My experience living in the Bay Area - folks around here talk about it being tough to "buy back in" after one has left. If you think you'll move back someday, I would be inclined to keep your house as a rental, and hire out the property management.
by lostinjersey
Mon Jun 15, 2015 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee (HCE)
Replies: 14
Views: 3116

Re: Highly Compensated Employee (HCE)

I would call and ask how your HCE status was calculated. It's a straightforward calc and something isn't adding up, if your pay didn't increase over 2013. Now if you actually are an HCE, then what the other employees defer will impact how much you can. But to actually be an HCE, it's just based on y...
by lostinjersey
Mon Nov 03, 2014 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 17
Views: 2878

Re: Esurance?

I have had Esurance for a few years now, mostly because they are the cheapest I could find. I filed my first claim a couple months ago (not my fault, I was rear ended on the freeway by a hit-and-run driver). The entire claims process was extremely straightforward and painless, much better than any o...
by lostinjersey
Wed Oct 29, 2014 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 2475

Re: Possible Relocation to San Francisco - Advice?

As others have cautioned, be sure you understand the true cost of living in SF. We recently moved her from another VHCOL area (northern NJ) and our rent is 50% more expensive for a comparable place, in the East Bay which is much more affordable than the city proper. It is really freaking expensive h...