Search found 210 matches

by msj16
Fri Aug 11, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3580

Re: Health Savings Account

Thanks to all for the great advice.
by msj16
Fri Aug 11, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3580

Re: Health Savings Account

What about current medical expenses? Is there some guideline as to when that would negate the value of a HSA?
by msj16
Wed Aug 02, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1289

Re: Credit Card that lists running balance online

Thanks everyone for the advice. Ideally a running total with new transactions at the bottom is what I prefer but I am good now.
by msj16
Tue Aug 01, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1289

Re: Credit Card that lists running balance online

Thank you for the tip BolderBoy and sport.

NorCalDad - Sorry, I wasn't clear. Yes - Chase gives the balance but I am looking for the running balance after each transaction. I got used to it with my previous credit card.
by msj16
Tue Aug 01, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1289

Credit Card that lists running balance online

Hello, I would like to get a credit card with a running balance not just the final balance. My current card with Chase just lists transactions online and total balance without calculating a running balance along the way. I would love it if it had a simple cash-back reward as well. Thanks for your he...
by msj16
Sun Jun 04, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 8964

Re: Favorite Thriller Authors and Why

Ken Follet - Eye of the Needle.

Classic spy thriller
by msj16
Fri Jun 02, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 8305

Re: Milestone and not peeking. . .

Congratulations. I seem to recall you paying off your mortgage about the same time as I paid off mine. We are now coasting faster toward our retirement goals (with hopefully continued good fortunate).

Best of Luck.
msj16
by msj16
Tue May 30, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 73
Views: 10081

Re: Go part time number

I am enjoying this thread. I was part-time years ago to be there for family, went to full-time and am going back to part-time. The reason is that some things are now or never - such as being there for kids before they go to college, working on passion projects, spending time on healthy activities to...
by msj16
Fri May 26, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K 5500 IRS form quick question
Replies: 11
Views: 594

Re: Solo 401K 5500 IRS form quick question

Thanks Livesoft for the info.

Thanks IngognitoUSA - ERISA Stone is not recommending the 5500-SF but instead the EZ as it is slightly less complicated. I am a solo practitioner without employees so I believe that either works.
by msj16
Fri May 26, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K 5500 IRS form quick question
Replies: 11
Views: 594

Re: Solo 401K 5500 IRS form quick question

Livesoft - Did you also file using the cash basis method once the December 31st balance reached 250000 (not counting pending contributions by April)? If most people typically use that method, I feel more comfortable waiting to file next year. By ERISA Stone's post, it seems that this method is quite...
by msj16
Fri May 26, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K 5500 IRS form quick question
Replies: 11
Views: 594

Re: Solo 401K 5500 IRS form quick question

Thank you very much Artful Dodger and ERISA Stone I will do a paper EZ Based on what ERISA Stone has suggested. My business accountant is refusing to do the form - saying that it needs a specialist! I am not terribly comfortable completing tax forms. If anyone knows of a business who would do it for...
by msj16
Fri May 26, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K 5500 IRS form quick question
Replies: 11
Views: 594

Re: Solo 401K 5500 IRS form quick question

Thank you ERISA Stone,I am very grateful for your help! I will remember to use the same method each year.

If anyone else had any problems with this method (IRS contacting you/penalties), I would appreciate hearing about it.
msj16
by msj16
Fri May 26, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K 5500 IRS form quick question
Replies: 11
Views: 594

Solo 401K 5500 IRS form quick question

Hello, I have a Solo 401K with Vanguard. IRS requires 5500 form when plan assets exceed 250000 by December 31st. I have 2 questions: (a) My assets did not exceed 250000 by December 31st (based on end of year statement from Vanguard), but my accountant (who has never filed the form and doesn't really...
by msj16
Fri May 13, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads invest their 529s?
Replies: 28
Views: 2611

Re: How do Bogleheads invest their 529s?

My child luckily has over 100,000 in growth after principle in the 529 plan. We aggressively front loaded money in when he was young. I based investing on using a college calculator, estimating 5% return from stocks. Now we are letting the stock allocation glide down, but it remains in an aggressive...
by msj16
Tue May 03, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard says app glitch led to inflated balances shown on Apple devices
Replies: 2
Views: 779

Re: Vanguard says app glitch led to inflated balances shown on Apple devices

I don't find this terribly amusing. Maybe I am being too harsh but whoever is reponsible should pay a fine. We can't expect the everyday consumer to be wise enough to realize that this is a glitch. Someone might make a financial decision at that point getting them into some trouble. Software is supp...
by msj16
Mon Apr 04, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3804

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you Kazper for responding, but this is an old post, with a recent update. I wrote the book myself with no co-author and just submitted the manuscript. This book is for a lay audience. Time will tell if it will sell!
by msj16
Mon Apr 04, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3804

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you very much miebuf. I chose to write the book in my area of expertise. Thankfully now the book is another credential for me which will attract clients to my business and establish me further as an expert in my local area. Thank you WhiteCoat Investor. Congratulations as well on your book's s...
by msj16
Sun Apr 03, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3804

Re: Author Advice - Advantages/Disadvantages of Co-author

UPDATE: Thank you LiveSimple for asking about an update (and Juper Jones). Having been through the process, I can say that Mel Lindauer's advice was truly wise! I just submitted the manuscipt for publication on March the 20th and it is now in the copyediting stage. It was a fun, creative, challengin...
by msj16
Thu Feb 04, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 46
Views: 12265

Re: Make your retirement money last

Thank you Jane Bryant Quinn for making me appreciate personal finance. You led me to the Bogleheads as well. Your book is in the library in my den, and remains a symbol of a smart choice that I made for myself. msj16 p.s. I suggest you partner with PBS as another famous author has done. I am about t...
by msj16
Sun Jun 14, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 1134

Re: Good hotels and restaurants in Vienna, Salzburg

We have now booked at the Hyatt in Vienna. Now just figuring out Salzburg. Thanks!
by msj16
Sun Jun 14, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 1134

Re: Good hotels and restaurants in Vienna, Salzburg

Thanks for the advice. What a great idea to stay in the historic district. I will do that. I am fine with spending a lot (500 or so per night). Does anyone know of a hotel that has two double beds or does that not exist. Even suites seem to have a king and only a rollaway. Thank you for the restaura...
by msj16
Sun Jun 14, 2015 1:22 am
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 1134

Good hotels and restaurants in Vienna, Salzburg

Hello,

I am planning a one week trip to Vienna and Salzburg. I would appreciate any ideas for hotels as well as restaurants.

msj16
by msj16
Fri May 08, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3804

Re: Author Advice - Advantages/Disadvantages of Co-author

bowtie-Thank you for the best wishes. What an interesting year 2015 is going to be! miebuf - Thank you very much for your advice and nuggets of wisdom born from being a successful writer. I will take one step at a time down the road. I have discovered that writing can be a true joy if one focuses on...
by msj16
Wed May 06, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3804

Re: Update - Author Advice - Choose Co-author?

Hello everyone, Today my book proposal got accepted for publication. I did it all on my own without a co-author. I appreciate all of your previous advice and support. I had wavered a bit, not knowing whether I could actually write well. Now I am really glad that I didn't pursue co-authorship! This w...
by msj16
Thu Apr 23, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 12
Views: 7034

Re: Terminating ADT Alarm Service

Even worse, after I cancelled, I had a collections agency send threatening letters about not paying my ADT bill. The ADT rep said she had no idea why the contract cancellation never went through, and why a new contract was issued without my consent. They refused to offer anything for the time and tr...
by msj16
Sat Mar 07, 2015 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Financial Plan is Dead!
Replies: 34
Views: 11476

Re: Vanguard Financial Plan is Dead!

After speaking with Vanguard my understanding about the "Consult with a CFP" is that it involves a short phone-call (about 15 minutes or less) to ask a question. It does not include a comprehensive written financial plan. They said that they got rid of that when they moved to advisory serv...
by msj16
Fri Mar 06, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice. My wife is starting a small business
Replies: 25
Views: 3655

Re: Need advice. My wife is starting a small business

I previously had a SEP with Vanguard and now have a Solo 401K with Vanguard. I found the paperwork to be minimal in terms of setting it up. Just repeating the same contact info for a few pages - no sweat. I have not yet filed the form when one reaches 250,000.
by msj16
Sun Feb 22, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 14913

Re: What age do you guys plan to retire?

People in the thread probably don't like their jobs. Warren Buffet at 85 is still not planning to retire. The best thing about 2015 is that I realize that after much work, I now love my job and have no interest in retiring. I have too much good work to do! I own my own business so I don't have to d...
by msj16
Sun Feb 15, 2015 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1762

Re: Target date funds

People just have to remember that Vanguard's target date fund use index funds whereas many others (T. Rowe Price for example - ) can use actively managed funds. Some have so many funds in them that I found it difficult to know exactly what I was buying! That is why I prefer the simplicity of Vanguar...
by msj16
Mon Feb 09, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Design/Contribution Advice – 55% in Taxable Accts.
Replies: 6
Views: 952

Re: Portfolio Design/Contribution Advice – 55% in Taxable Ac

Vanguard had me first complete a questionnaire assessing risk tolerance. I have always had very high risk tolerance (did not sell during the 2008 crash and actually bought more). They suggested dialing my high risk tolerance down a bit given my goals of retiring in 10 years. So, the advice was based...
by msj16
Sun Feb 08, 2015 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 4276

Re: Hospital/medical bill - need advice

I have a friend who has paid a private health care advocate to try to fight it out with the insurance company. I also wanted to add to those reading this thread that just because an insurance card has been copied, does not mean that the provider knows the plan! I have found that even the insurance c...
by msj16
Sun Feb 08, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Design/Contribution Advice – 55% in Taxable Accts.
Replies: 6
Views: 952

Re: Portfolio Design/Contribution Advice – 55% in Taxable Ac

Not an expert here but I am your age and recently obtained advice from a Vanguard financial planner. The recommended allocation to stock was 76%. I am currently at 75%. I intend to retire in 10 years as well. Most our age are being more conservative than that. I think you are doing really well thoug...
by msj16
Sat Feb 07, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 8344

Re: Are the expensive air purifiers worth the money?

Caduceus wrote:What kind of things would a HEPA filter not purify that would cause allergies?


Check to see if you have a dust mite allergy which would require encasing your mattress.
by msj16
Fri Feb 06, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 8344

Re: Are the expensive air purifiers worth the money?

All I can tell you is that I had a reasonably expensive one for years (which was running all of the time - with the filters being changed every six months) and I still had some congestion. Then I got an IQ-air this year. I really noticed a difference and I don't easily fall for the placebo effect. I...
by msj16
Wed Jan 21, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question for parents in retirement
Replies: 4
Views: 645

Re: Asset Allocation Question for parents in retirement

dbr - Your posts are always very helpful. Thank you for the great advice which I conveyed word for word to my mother! dale-thanks for the word of caution - By not accessing it, I meant not using the funds for living expenses. They are dutifully having to take it out via the required minimum distribu...
by msj16
Wed Jan 21, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 11793

Re: "When you've won the game, stop playing"

Context, please. In the same vein, Leerar's point is well taken: if you have plenty of human capital left when you've "made your number" (I get it, I'll stop with the acronyms), no reason why you can't keep piling on. But, again, if that happens just before you retire, a great deal more c...
by msj16
Wed Jan 21, 2015 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question for parents in retirement
Replies: 4
Views: 645

Asset Allocation Question for parents in retirement

Hello, My parents have asked me a question regarding asset allocation during retirement. Currently, they are living solely on social security and pensions (which fully cover their monthly expenses) so are not accessing their tax-deferred and taxable retirement savings. They are 75 and 85 years old a...
by msj16
Fri Jan 16, 2015 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 19980

Re: Should I Declare Victory and Pack It In?

Wormwood - Well said about the "delayed gratification". It really seems like you are ready to hit "stop" on the rat-race. Peace of mind and emotional health are ultimately more important than money. You can do this and work part-time if necessary as long as you are ready to give ...
by msj16
Mon Jan 05, 2015 3:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 2738

Re: Hobbies + Free Time

Reading, Playing the piano, personal finance, travel and my new hobby - netflix streaming!
by msj16
Thu Dec 25, 2014 1:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 7135

Re: My Christmas Message To You -- 70 Years Ago.

You have lived a worthy life before most of us were born. Then later in life, you tackled a new battle - the investor battle. A different battlefield but also necessary.

Merry Christmas
by msj16
Thu Dec 25, 2014 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 43
Views: 6260

Re: Health Insurance (Specialist "Out of Network" [error])

Great that you had the will to persevere. The suggestion to take a screen shot was a very good one. Beware in the future of "phantom networks" - the illusion that your insurance company has many doctors/specialists in-network, when in fact they do not.
by msj16
Wed Dec 17, 2014 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3665

Re: Looking to move inheritance from high-fee advisor

You can get a detailed written financial plan from Vanguard (see Flagship status). Voyager Select status (500,000 assets ) also qualifies for this. You can try to manage it yourself at Vanguard which is not hard given funds such as Target Retirement Income (which I use), or can get ongoing help if n...
by msj16
Sun Dec 14, 2014 7:36 am
Forum: Investing - Help with Personal Investments
Topic: College Savings
Replies: 20
Views: 2148

Re: College Savings

There is a website that I found useful:

www.savingforcollege.com

It has a Q and A section that I found to be helpful (under Community section).
by msj16
Mon Dec 08, 2014 10:12 am
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 4703

Re: Youngster talented in science and math

My seventh grader who is really into physics loved reading Stephen Hawking - A Brief History of Time and if you don't have the time, there is always a Briefer History of Time!
by msj16
Sat Dec 06, 2014 5:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 3020

Re: Thank you, Taylor...

It is rare to find a person of such generosity, wisdom and kindness. Thank you for helping change so many lives, including my own.
by msj16
Thu Dec 04, 2014 9:10 am
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 78
Views: 6852

Re: Private college counselor

Thank you TomatoTomahto and Livesoft for the very helpful advice. It makes sense that one must show that a student can manage high academic rigor in high school in order for colleges to assume that a student can master the advanced curriculum at top notch colleges.
by msj16
Wed Dec 03, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 78
Views: 6852

Re: Private college counselor

I think we will briefly try a private college counselor because both parents did not grow up in this country. It is so foreign to think about AP classes, essays, extracurricular activities etc... and I am just beginning to figure this all out. I have some questions and would appreciate quick input: ...
by msj16
Mon Nov 24, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 4112

Re: Huge salary increase...looking for guidance

In case you didn't know, you can superfund a 529 by putting in 5 years worth in one year.
by msj16
Fri Nov 21, 2014 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 3134

Re: 529 Plan - when to stop contributing?

You should input these numbers into a college calculator. I just did, given your numbers and years until your child hits college. If you are planning for a public 4 year average cost, then you really don't need to continue contributing (based on 5% investing return). You are totally done. If you are...
by msj16
Fri Nov 21, 2014 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 3134

Re: 529 Plan - when to stop contributing?

I run my numbers through a college calculator. For me, as a personal decision I choose the inputs as college cost of average private college per year (I want to plan for private college and any unused funds can go to graduate school which is likely), inflation at 5-6%, investing return at 5%. I have...