Search found 185 matches

by mister_sparkle
Thu Aug 10, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 22
Views: 2590

Re: 401k in-service withdrawals

The rep I spoke to made no mention of vesting, so I don't believe that is the issue. The employee benefits manual says that as long as you've been with the company X years, 100% of employer contributions are vested, and I've been here 11 years.
by mister_sparkle
Wed Aug 09, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 22
Views: 2590

Re: 401k in-service withdrawals

Piggybacking on this thread a bit... My employer's 401k plan allows in-service withdrawals of the employer match portion of my account, so I have done that twice so far. Beginning this year, my employer froze our pension plan and in lieu of that has committed to a 4% "fixed company contribution" to ...
by mister_sparkle
Sat Aug 05, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 20
Views: 3076

Re: Capital One -- Again!

To me, it doesn't look all that different -- maybe a bit more "app"-ish with big buttons and larger text and a lot of white space. But yes, no more check images when you click on a deposited check.
by mister_sparkle
Thu Aug 03, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21232

Re: A poll: How much money do you need to retire?

I am 51 with about $1.1M in assets. Years ago I had targeted $2M as my GTFO milemarker, but lately I've been more focused on refining my calculations based on my actual scenario -- including a pension at 65 and SS at 67 or whatever that number gets moved to by Congress. So right now my GTFO date is ...
by mister_sparkle
Sat Jun 17, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Reversed 2016 Roth contributions, Vanguard still showing 2016 contribution
Replies: 0
Views: 232

Reversed 2016 Roth contributions, Vanguard still showing 2016 contribution

I contributed the max $6500 to my 2016 Roth IRA early in 2016, but wound up needing to reverse the contribution in January of 2017 as I would not be able to contribute anything in 2016 due to filing taxes Married Filing Separately (due to a divorce) and exceeding the $10,000 income limit. I don't re...
by mister_sparkle
Fri Jun 09, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 - no more free ATMs at 7-11
Replies: 5
Views: 1046

Capital One 360 - no more free ATMs at 7-11

I just got an e-mail from Capital One 360 saying that 7-11 is leaving the Allpoint ATM network effective July 1, so their ATMs will no longer be fee-free for C1360 customers. A bit of a bummer, as 7-11s were shorthand for "free ATM" to me.
by mister_sparkle
Tue May 16, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 15
Views: 2326

Re: House Sale in Year of Divorce

I don't want to deal with her on anything in the future. It's stipulated in our settlement agreement that we each have to file MFS for 2016.
by mister_sparkle
Tue May 16, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 15
Views: 2326

Re: House Sale in Year of Divorce

More follow-up questions, now that I'm doing my 2016 taxes (via Turbotax)... We signed a Certification for No Information Reporting on the Sale or Exchange of a Principal Residence form at the time of the sale in 2016, so no 1099-S was issued. No capital gains are due on the sale. So my questions ar...
by mister_sparkle
Sun May 14, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 4026

Re: How much to tip movers?

I have a lot of heavy stuff like books, records, CDs, etc., so I error on the side of tipping super generously -- $120 to $150 per guy for a 4-hour move.
by mister_sparkle
Thu May 11, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's So Magical About Age 59-1/2?
Replies: 3
Views: 1686

What's So Magical About Age 59-1/2?

Does anyone know the historical basis for why age 59-1/2 was chosen for the age that most people can begin withdrawing from IRAs? I'm assuming it's based on historical longevity statistics but couldn't find anything in the Wikipedia article about the ERISA law of 1974 that created IRAs.
by mister_sparkle
Thu May 11, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 56
Views: 4683

Re: Travel tips for first time visitors to England and France?

For the Eiffel Tower, I recommend buying your ticket months in advance. I went last month and ended up having to buy a ticket with a tour company (Fat Tire Tours) as almost every available timeslot was sold out 6 weeks in advance. There are two levels of the Eiffel Tower and I found that the first l...
by mister_sparkle
Wed May 10, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice - "Windfall" Funds
Replies: 4
Views: 689

Re: Portfolio Review/Advice - "Windfall" Funds

Thanks for the inputs. I am going to split the baby down the middle and purchase half of my new Bond allocation in VWITX (Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares) in my taxable account and sell off some of my USA and International stock funds in my IRAs in order to buy more VBTLX....
by mister_sparkle
Tue May 09, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice - "Windfall" Funds
Replies: 4
Views: 689

Portfolio Review/Advice - "Windfall" Funds

LadyGeek suggested I post in this forum with my questions concerning investing a large chunk of money from my house sale, so below is my current profile/situation. I am using the Three-Fund Portfolio with a few minor exceptions -- my 401k offers only a few Vanguard funds, so I am using 100% Wellingt...
by mister_sparkle
Tue May 09, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1079113

Re: The Three-Fund Portfolio

I have a minor dilemma facing me this week and was hoping to get opinions from others who follow the Three-Fund Portfolio route like I do. I have received the proceeds from selling my house last summer. Proceeds are $231K, so my bond allocation from this will be 30% or $69K. Right now in my taxable ...
by mister_sparkle
Wed Apr 05, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 15
Views: 2326

Re: House Sale in Year of Divorce

I have a follow-up question to my original question. My soon to be ex-wife and I have an agreement on splitting our house sale on our 2016 tax return. We are filing our taxes Married Filing Separately. My question is how the sale of the house is entered on our tax returns. As an example, we bought t...
by mister_sparkle
Wed Mar 22, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11114

Re: Anyone else taking less risk

I'll be receiving my share of the funds from selling my marital house last June, sometime in April I hope. While I'm at 70/30 stocks/bonds, I will probably be modifying this ratio to 60/40 when I invest this money, and likely DCAing over a period of several months. Just a hunch as I feel like things...
by mister_sparkle
Wed Mar 22, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 880

Vanguard keeps saying my e-mail address doesn't work

The past 2-3 weeks, Vanguard shows a message for me every time I log in, saying that my e-mail address has been rejecting their e-mails, and to enter a new e-mail address (or verify my existing one). I've even gotten paper mailers from them to the same effect. I have a Gmail account that I've used f...
by mister_sparkle
Fri Feb 10, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Odd issues with establishing employee vs. IC status
Replies: 5
Views: 377

Odd issues with establishing employee vs. IC status

A friend of mine is relocating to Illinois to be an independent sales rep for a Kansas-based business. The company is telling her various odd things about how she should be set up and some of these to me seem a bit paranoid, so I thought I'd see if others had any experience with this. They are sayin...
by mister_sparkle
Tue Feb 07, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 6020

Rule of Thumb for Getting Rid of Car

I have a 2005 Mini Cooper with 87K miles on it that is starting to show its age in certain ways. Mostly minor things, such as the rear windshield wiper rotting out and falling off, the latch that opens the hood no longer working, extremely rusted out wheel/axel parts I noticed while using a replacem...
by mister_sparkle
Fri Jan 27, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: What sort of doctor specialty should I see?
Replies: 4
Views: 726

What sort of doctor specialty should I see?

I've been dealing with pain in the left side of my body for the past few weeks and really need to see a doctor about it, but I don't know what specialty I should be searching for under my BCBS plan website. Symptoms: Pain ranging from my upper left shoulder/neck area down to my left forearm. Especia...
by mister_sparkle
Mon Jan 23, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 10457

Re: TurboTax is playing games again.

Are you sure about that? I have TurboTax Deluxe and was able to input my Vanguard 1099-B trade info. Granted, I haven't finished my taxes yet so don't know if this will generate a Schedule D.
by mister_sparkle
Fri Jan 06, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Kansas City trip advice
Replies: 23
Views: 1856

Re: Kansas City trip advice

If you want terrific BBQ in a 'dive-type' setting, then go to LC's Bar-B-Q . David I went to LCs before a Royals game this summer and thought it was just OK -- and the ribs were absolutely drowning in sauce. Nice atmosphere but a little lacking. Spent NYE weekend in KC and got to try Q39, and every...
by mister_sparkle
Tue Jan 03, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 251137

Re: What are you up YTD? [Year To Date]

2016 was a Good Year for me:

Up 9.02% overall -- 2.97% of that dividends and 6.06% investment performance. I do a simple calculation based on YE 2015 balance change, so doesn't take into account increase on any contributions made during the year.
by mister_sparkle
Thu Dec 22, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance with each deposit?
Replies: 16
Views: 1519

Re: Should I rebalance with each deposit?

For a taxable account, I would probably lean towards making just one purchase of one fund to keep record keeping simpler and buying the most under-allocated sector. For me lately, that's been Total Bonds. You can also just buy the Money Market and wait 'til you have a meaningful chunk to invest a fe...
by mister_sparkle
Mon Dec 19, 2016 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1106

Re: VTSAX and VTIAX YE Distributions

Yes, December 9, 2016 for both. I don't own either fund, but since the distributions for both funds were announced, the distributions tabs for these funds at vanguard.com MUST have the real numbers now and not estimates. Do they? I didn't look. Thanks, as I didn't think to do that. It says the paym...
by mister_sparkle
Mon Dec 19, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1106

Re: VTSAX and VTIAX YE Distributions

Paying. I found a different link showing the Record Date for both funds as December 16.
by mister_sparkle
Mon Dec 19, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1106

VTSAX and VTIAX YE Distributions

Does anyone know what day Vanguard will be posting year-end distributions for VTSAX and VTIAX?
by mister_sparkle
Tue Nov 15, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Commission-only sales position -- typical rate?
Replies: 8
Views: 1370

Commission-only sales position -- typical rate?

I have a friend who works in real estate at the moment and has been offered a sales job with a company that specializes in build-outs of customized retail and restaurant interiors. Jobs range from $50K on up, with a typical contract being worth around $100K. He is wondering what sort of commission w...
by mister_sparkle
Wed Sep 28, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1285

Re: Tax filing status if divorce not finalized?

If you have contributed to Roth IRA for 2016, you may have to make it un-happen. The income limits for married filing separately are very low. Over $1 in income, and the Roth maximum phases out. Over $10K, and you can't contribute at all. I contributed to my Roth in January, so I will have to rever...
by mister_sparkle
Wed Sep 28, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1285

Re: Tax filing status if divorce not finalized?

Not an option due to the hostility between us. Plus, I have no idea how she's handled any of her earnings or tax payments this year given that she's not a W-2 employee, so that's a hornets nest I am staying away from. Some things will need to be coordinated. For example, if you file MFS, you both h...
by mister_sparkle
Wed Sep 28, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1285

Re: Tax filing status if divorce not finalized?

Not an option due to the hostility between us. Plus, I have no idea how she's handled any of her earnings or tax payments this year given that she's not a W-2 employee, so that's a hornets nest I am staying away from.
by mister_sparkle
Wed Sep 28, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1285

Tax filing status if divorce not finalized?

I am in the process of getting divorced, and believe that the final court hearing won't happen until early 2017. My soon to be ex-spouse and I have separated our living situations and we will be filing our taxes separately for 2016. I'm just wondering how a filing status of married filing separately...
by mister_sparkle
Tue Jul 12, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust Necessary?
Replies: 6
Views: 874

Living Trust Necessary?

I recently contacted an attorney through my legal plan at my employer to update my documents to reflect a recent divorce. As part of the package the attorney sent me, she included a living trust document, along with a will, PoA, medical directives, burial instructions, etc. I'm just wondering if I e...
by mister_sparkle
Thu Jul 07, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 15
Views: 2326

Re: House Sale in Year of Divorce

In that situation, and if you do not receive a 1099S early next year I believe you don't have to address the issue at all. When you closed, did you sign a statement saying that this was your personal residence and that you had lived in it for at least 2 of the last 5 years? If yes, you probably won...
by mister_sparkle
Thu Jul 07, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 15
Views: 2326

House Sale in Year of Divorce

My soon to be ex-wife and I recently sold our house, and we will be divorced before the end of the year. Sale price was between $250,000 and $500,000 over the purchase price. We have not yet come to an agreement on how to handle the house sale on our 2016 taxes, so I am looking for advice on how bes...
by mister_sparkle
Tue Jun 14, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Proceeds Before Divorce Is Final?
Replies: 7
Views: 1369

Re: House Sale Proceeds Before Divorce Is Final?

Felix, did you have any sort of written agreement regarding the funds?
by mister_sparkle
Mon Jun 13, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Proceeds Before Divorce Is Final?
Replies: 7
Views: 1369

House Sale Proceeds Before Divorce Is Final?

My wife and I are in the process of divorcing, and also in the process of selling our primary residence, which we both own jointly. The house sale is going to happen before the divorce is finalized. We are not splitting the proceeds evenly (she is getting a larger %) but I want to have the proceeds ...
by mister_sparkle
Mon May 30, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 39
Views: 3652

Re: How persnickety are you with your rebalance bands?

Do you reinvest your dividends or take them in cash? That may be a way of truing up your AA.
by mister_sparkle
Fri May 27, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3147

Re: How to respond to contractor's demands?

Thanks for the replies. I estimated one day of work, but that was going to involve plumbing, electrical, concrete, and woodworkers all coming out, so the amount that we owe as of today is less than $2K, which was my point. In any event, the buyer's inspection today revealed major leaking from the ro...
by mister_sparkle
Fri May 27, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3147

Re: How to respond to contractor's demands?

Our buyer said that he didn't talk to the contractor, but that he had asked one of the contractor's plumbers to do an inspection of the plumbing on the house, so no doubt the plumber reported back to his boss. As a result of today's inspection, the buyer wants us to have the contractor come out to f...
by mister_sparkle
Fri May 27, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3147

How to respond to contractor's demands?

Background: My wife and I bought a house and had it gut-rehabbed in 2011. We were pleased with the quality of the work done and especially the individual person who was the hands-on project lead. In 2014, we replaced our old garage with a 2-car garage with a deck on top. This time, we used the compa...
by mister_sparkle
Tue Apr 05, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798847

Re: What Book Are You Currently Reading? Part VI

I just finished Trouble Boys by Bob Mehr. Very thorough, and at times incredibly frustrating and depressing, biography of the band the Replacements. Highly recommended if you're at all a fan of the band or Paul Westerberg.
by mister_sparkle
Wed Mar 30, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 14776

Re: leaving vanguard due to math errors / poor customer service?

I had a somewhat odd thing happen with my Vanguard online access. It wasn't recognizing my correct password, so after 2 logon attempts, it made me provide my full info (name, last 4 of SSN, ZIP code) then said it couldn't locate my account and that I needed to call to have access restored. The rep I...
by mister_sparkle
Mon Mar 21, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Strength of Pension Plan
Replies: 6
Views: 932

Re: Strength of Pension Plan

I believe your employer should be providing an audited update of plan information, including funding %, once a year.
by mister_sparkle
Fri Feb 19, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 9070

Re: Should I bother itemizing tax deductions?

I passed up an opportunity to get a deduction for medical expenses from 2015, for the simple reason that I just didn't feel like going back to every single doctor's visit receipt and add everything up. I got LASIK surgery last year, which pushed our out of pocket expenses, including premiums, to pas...
by mister_sparkle
Wed Feb 17, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: $100M Campaign Teaches Consumers About Saving for Retirement
Replies: 8
Views: 1216

Re: $100M Campaign Teaches Consumers About Saving for Retirement

Wow, those fees are insane.

But, any time you see an advertising blitz like Voya is doing, you know the money has to come from somewhere...i.e. their clients' pockets.
by mister_sparkle
Thu Feb 11, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 12281

Re: What is your decline in Net Worth as of today?

A few months ago, we (briefly) joined the 2 comma club.

As of tonight, we're below $900K, so over 10% in just a short while.
by mister_sparkle
Thu Feb 11, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Having Issues
Replies: 16
Views: 1700

Re: Vanguard Website Having Issues

Somebody attempted to access my account twice overnight, once around 3:05am and again at 6:35am, so not happy that I'm unable to change my password right now. :?
by mister_sparkle
Tue Feb 09, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Schedule C Prior Year Depreciation Calculations
Replies: 5
Views: 601

Re: Understanding Schedule C Prior Year Depreciation Calculations

Thanks for all the answers.

I managed to mostly recreate the prior year depreciation figures here:

http://www.free-online-calculator-use.c ... lator.html