Search found 2162 matches

by neurosphere
Sun Feb 19, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)
Replies: 7
Views: 471

Re: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)

Why did you select the IBR plan for your federal loans, as opposed to REPAYE (if eligible, which most borrowers are)? With REPAYE, the payments are never higher than IBR (for those with high loan balances relative to salary) and you also get an interest subsidy each year, which is not dependent on P...
by neurosphere
Sun Feb 19, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on whether to transfer or sell an annuity (but with limited information)
Replies: 1
Views: 116

Advice on whether to transfer or sell an annuity (but with limited information)

Hi all, I'm helping a colleague with some financial stuff. It's a co-worker of mine who heard I knew something about finances and showed up at my office to ask for help. She is completing a divorce, receiving some funds from her husband's IRA which is being split, and is being pressured by her advis...
by neurosphere
Wed Feb 15, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician contract restrictive covenant
Replies: 23
Views: 1581

Re: Physician contract restrictive covenant

I know of a physician contract which has a two year non-compete restricting work within 20 miles of any facility they have. They have 200+ facilities in 5 contiguous states. In addition, the non-compete restricts "any business with which we feel is in direct competition with us" (paraphras...
by neurosphere
Thu Feb 09, 2017 4:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 244
Views: 8126

Re: Your USER NAME...what does it mean?

Leonidas, king of the Spartans. My father is Greek from near Sparta. Also, I do bear a resemblance to Gerard Butler who played the King in "300" so I go that too. My father is also greek and from near Sparta (Kyparissia). But I don't look like Gerard Butler. Probably more like Martin Shor...
by neurosphere
Wed Feb 08, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub
Replies: 10
Views: 537

Re: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub

I'm glad neurosphere somehow got some buttons pressed to get this stuff taken care of. My spouse got a gift card from them the last time I asked her to point out the errors of their ways. I hope neurosphere's spouse gets a gift card, too. :) Oh! That would be nice! To be fair, we didn't have to pus...
by neurosphere
Wed Feb 08, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub
Replies: 10
Views: 537

Re: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub

UPDATE: HR/Payroll acknowledged the error and notified my wife they will be issuing a corrected W2. They did not yet identify the source/reason for the error. I'm curious if it affected any other employees, and if so, hope those employees have not yet filed their taxes. There are thousands of employ...
by neurosphere
Wed Feb 08, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 1947

Re: I think my W2 has a mistake - doublecheck me?

stumbled across this thread. I'm curious what you ended up doing.
by neurosphere
Fri Feb 03, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan repayment question - married couples
Replies: 4
Views: 481

Re: Student loan repayment question - married couples

Just wanted to pass along a semantic issue. "IBR" (income based repayment) refers very specifically to one of four income DRIVEN plans: PAYE, REPAYE, IBR, ICR. People tend to use "IBR" when talking about any of the 4 income driven plans. But this can lead to confusion, and I have...
by neurosphere
Wed Feb 01, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1510

Re: If the stepped up basis at death is eliminated....

One of the risks of investing is legislative risk. But it's very difficult to talk about this risk without a thread becoming political. But I'm hopeful we can all focus on the narrow question at hand. Which is basically "what can one reasonably do to protect against the potential loss of a step...
by neurosphere
Wed Feb 01, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: TaxACT: in-service after-tax 401k to Roth instructions
Replies: 9
Views: 1169

Re: TaxACT: in-service after-tax 401k to Roth instructions

@neurosphere, are those instructions for the software version of TaxACT 2016? I am using the web interface and I can't find how to navigate to the 8606 form in your steps, or where to put a basis. No matter whether I go through the forms or the step-by-step method, I can't seem to indicate that I d...
by neurosphere
Wed Feb 01, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: TaxACT: in-service after-tax 401k to Roth instructions
Replies: 9
Views: 1169

Re: TaxACT: in-service after-tax 401k to Roth instructions

@neurosphere, are those instructions for the software version of TaxACT 2016? I am using the web interface and I can't find how to navigate to the 8606 form in your steps, or where to put a basis. No matter whether I go through the forms or the step-by-step method, I can't seem to indicate that I d...
by neurosphere
Sun Jan 29, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance
Replies: 9
Views: 564

Re: Variable Life Insurance

As mentioned, you won't owe anything.

Just ensure that you have whatever life insurance you need, likely term, in place before you cancel this policy.
by neurosphere
Sat Jan 28, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: 1099-R error with Mega Backdoor Roth IRA
Replies: 4
Views: 531

Re: 1099-R error with Mega Backdoor Roth IRA

Do the amounts in box 2a make any sense to you? If there were truly no earnings, these should be zero. What do the amounts represent? Is it possible that your after-tax amounts are not held in "separate accounts" and so represent a prorated taxable amount based on the ratio of after-tax an...
by neurosphere
Fri Jan 27, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9384

Re: TurboTax is playing games again.

No tax software is completely transparent before you submit your return, and TaxAct does not permit viewing the Qualified Dividends and Capital Gain Tax Worksheet . (TaxAct does not charge until filing.) I sent my calculation details to TaxAct, but had to rely on them to check their results. Ah, go...
by neurosphere
Fri Jan 27, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance Repayment Options
Replies: 18
Views: 1775

Re: Student Loan Refinance Repayment Options

The language states that there is a limit on the amount of interest that will capitalize. However, there is no such limit on the amount of interest that will accumulate as outstanding interest and this is not included in the language. :oops: :idea: Yes, finally got it. Thanks. For example, a loan b...
by neurosphere
Fri Jan 27, 2017 1:33 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9384

Re: TurboTax is playing games again.

But this year they couldn't (or didn't bother to) explain why they showed my Federal tax as $1200 more than my spreadsheet and manual calculations. Curious, where was TaxACTs error? Just because your calculations and the other programs agree, doesn't mean the error lies with TaxACT. Yes, TaxACT was...
by neurosphere
Fri Jan 27, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance Repayment Options
Replies: 18
Views: 1775

Re: Student Loan Refinance Repayment Options

chiseller wrote:
10% is the cap on the amount of interest that can capitalize on the loan - but the loan itself can get much bigger. In your example the principal would not exceed 407k but outstanding interest will continue to grow and the total balance would approach 500k quickly.


Erroneous information deleted.
by neurosphere
Thu Jan 26, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance Repayment Options
Replies: 18
Views: 1775

Re: Student Loan Refinance Repayment Options

will you be working for a nonprofit hospital? If so, I would run the numbers to see what keeping the loans for 10-years will do for your cash flow, after which point the balance is forgiven. (As a fourth-year resident, have you been making payment for 4 years? Do you work at a nonprofit hospital no...
by neurosphere
Fri Jan 20, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub
Replies: 10
Views: 537

Re: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub

My spouse's paycheck always has weird issues. I sat with all the accountants in HR at the company Christmas party, so now I know why. All of this post is OT, but... Yes, I'm familiar with how HR can be. I have to be careful because my name is public, so let me alter the details a bit. But a family ...
by neurosphere
Fri Jan 20, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub
Replies: 10
Views: 537

Re: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub

Wells Fargo shows exactly $1000 in contributions which hit the account in 2016 (essentially 26 equal payments). The ADP website also lists $1000 in the YTD field for the employer contribution and $5750 for the employee, which matches the final paystub received. The extra amount of $38.47 is exactly ...
by neurosphere
Fri Jan 20, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub
Replies: 10
Views: 537

Excess HSA contribution: W2 HSA contribution higher than limit, does not equal final paystub

My wife received her W2 today, which lists $6788 with a code W in box 12c, representing employee and employer contributions to the HSA account. On her final paystub, it lists an employee contributions of $5750 (correct) and an employer contribution of $1000 (correct) for a total of $6750, which the ...
by neurosphere
Fri Jan 20, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2590

Re: Very confused with W4 Allowances

I've given up on estimating my taxes and getting withholdings "right"... I just fudge them higher or lower depending on the size of the refund or under payment I do something similar. Every year when I do my taxes, I take the total tax for the year, subtract any tax withholdings I've done...
by neurosphere
Fri Jan 20, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Please help physician catch up.. late to the game
Replies: 11
Views: 2428

Re: Please help physician catch up.. late to the game

I think having the ability to contribute to a Roth IRA via the backdoor method is powerful, and you should see if it's possible to arrange/move your existing accounts so that you can take advantage of this, as others have already mentioned. You should research the backdoor Roth, but essentially it &...
by neurosphere
Thu Jan 19, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 5265

Re: Medical Billing Disagreement - Stark Law

It's not illegal to correct an incorrect code. So rather than ask to have the code for the service deleted, one strategy you can take is to ensure the billed code is correct. We correct incorrect billing codes all the time. Sometimes months after the fact. I always check all of my procedure codes, b...
by neurosphere
Wed Jan 18, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2864

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

On the minus side, when I paid on the spot for a lab test, they told me they could not send the results to me, only to my doctor. Wait, it's my blood, my money, no insurance involved, and you can't send me a copy of the results? What a system. I used to be able to get a copy of the results through ...
by neurosphere
Wed Jan 18, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2864

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

I spent 45 minutes today in an unsuccessful attempt to get an insurance company to cover something a patient clearly needs (their physician reviewer finally agreed but said the insurance contract rules it out). Just a side note, since 2010 insurance contracts cannot "rule out" "medic...
by neurosphere
Wed Jan 18, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 665

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

BrandonBogle wrote:Ugh. Apparently WellsTrade only permits FIFO for mutual funds trades submitted online (they allow SpecID for stocks and ETFs). Guess I'll actually have to talk to somebody now.


That's annoying. :annoyed
by neurosphere
Wed Jan 18, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 665

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

[EDIT: BrandonBogle beat me to it, see above...] Thanks. I found a couple threads discussing the 6-mo rule... I'm including this information from the wiki, just to ensure that anyone who sees a mention of the "6-month rule" understands the implications (emphasis is mine): Loss on mutual fu...
by neurosphere
Wed Jan 18, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 665

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Sure do it just for the practice. Lots of people made this trade in December, so plenty of threads on the subject. Thanks. I found a couple threads discussing the 6-mo rule, but missed the posts about whether it would be worthwhile to switch between these two funds. I need to hone my search-ninja s...
by neurosphere
Wed Jan 18, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10586

Re: Why nobody understands importance of high-deductible insurance?

They have high list prices because some insurance companies won't negotiate them down very much, so there's no downside to them having high prices from which to start negotiations. I also suspect (but cannot confirm) that "charity care" for those without insurance is advertised based on t...
by neurosphere
Wed Jan 18, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10586

Re: Why nobody understands importance of high-deductible insurance?

Negotiated rates the insurance company gets are far worse than you could get on your own without insurance. I do not understand this statement at all! For example, with various insurance coverage (many types) over the years, whenever I would see the EOB (Explanation of Benefits), the insurance comp...
by neurosphere
Tue Jan 17, 2017 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2590

Re: Very confused with W4 Allowances

Forgot to add this part from the instructions at the top of the W4: Two earners or multiple jobs. If you have a working spouse or more than one job, figure the total number of allowances you are entitled to claim on all jobs using worksheets from only one Form W-4. Your withholding usually will be m...
by neurosphere
Tue Jan 17, 2017 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2590

Re: Very confused with W4 Allowances

Both my wife and I work and make similar amount so we file as married but withhold at a higher single rate. We have owed a ton at tax time in the past because we did not file this way. We have 1 child currently. By far, the most common mistake I see on W4 forms is married couples who do not read th...
by neurosphere
Mon Jan 16, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10586

Re: Why nobody understands importance of high-deductible insurance?

A lot people go without healthcare (don't see doctors, don't fill prescriptions, etc.) due to deductibles and other cost sharing, sometimes even a small amount of cost sharing. Unfortunately, this can be bad for their health. So, it really depends on the individual's circumstances. When it comes to...
by neurosphere
Fri Jan 13, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: social security calculation
Replies: 41
Views: 3238

Re: social security calculation

For this calculation does one use the index factors for the year they reach FRA? Which calculation in particular are you referring to? Social security benefits are not affected by changes in the Average Wage Index which occur after age 60. The index factor at age 60 is set at 1.0, and future earnin...
by neurosphere
Thu Jan 12, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: social security calculation
Replies: 41
Views: 3238

Re: social security calculation

Basically wages (measured by the national average wage index) have increased more than inflation (the price of goods and services measured by the consumer price index) over the last several years, and I think that has generally been true historically as well, although certainly there have been time...
by neurosphere
Thu Jan 12, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: social security calculation
Replies: 41
Views: 3238

Re: social security calculation

After that I think (not certain) that your average earnings are not inflation adjusted but your benefit is inflation adjusted. Not exactly sure about the interplay between those two. Here you used the same word "inflation" to refer to wage inflation and adjustment of earnings in the first...
by neurosphere
Thu Jan 12, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Redemptions missing from Treasury Direct Account]
Replies: 20
Views: 1050

Re: Fraud in Treasury Direct Account

Pajamas wrote: That sounds like a phishing attempt.


could be yes, but the email looked legit. Although, many of them do look legit. :D
by neurosphere
Thu Jan 12, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9733

Re: How much do you typically spend in a restaurant?

... We live in central NJ, which is a HCOL area, but it's definitely not at NY city prices, and we do pick mid-range restaurants - Italian/ Japanese/ American/ Thai/ fusion, etc. ... While the quality of the restaurants in NJ may not be the same as in Manhattan, the prices are comparable. The excep...
by neurosphere
Thu Jan 12, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Redemptions missing from Treasury Direct Account]
Replies: 20
Views: 1050

Re: Fraud in Treasury Direct Account

years ago I got an email about a "one time passcode" on my TD account. And then nearly at the same time, so did my wife. These emails only go out if one attempts to log into the account. Neither of us had. I called TD, and neither account showed an attempted log in. In order to get the pas...
by neurosphere
Thu Jan 12, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 731

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

You might consider a slice for cash.. retired people can easily keep a meaningful slice of cash, money market & cash like CD's. Oh yes, right, you had mentioned cash and I forgot to acknowledge it. I found/modified a script that would define colors based on titles after the chart was created, s...
by neurosphere
Wed Jan 11, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on salary negotiation
Replies: 9
Views: 1308

Re: Advice on salary negotiation

livesoft wrote:You are being fair, so shop yourself around and either move or stay for whoever has the best offer.


Agreed. What's that expression? If you have no other offer, asking for a raise is like begging. If you have other offers, then it becomes a negotiation.
by neurosphere
Wed Jan 11, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 731

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

I like it but thing you need an addition or two for the non stock non bond items such as REITs and Commodities. see my original post. :wink: I didn't really stress for now whether REITS is its own asset class or a subset of small or value, and there is no gold or commodities, etc. Yes, REITS and go...
by neurosphere
Wed Jan 11, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 731

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

I use pies in excel to cover many things from income to expenses, AA, alpha against benchmark and so forth. Interesting work you have there but might it be a bit too complex for a client to comprehend? Ha! Definitely NOT meant for clients! :shock: This is meant for extreme slicers and dicers on Bog...
by neurosphere
Wed Jan 11, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 731

Playing with Excel Pie Charts: Asset Allocation Visualizer

Hi all, I stumbled across this post at some point (https://www.bogleheads.org/forum/viewtopic.php?t=106505) which got to me to thinking and tinkering... I use a simple pie charge in excel to illustrate possible asset allocations to clients, with a very simple interface where one can set the desired ...
by neurosphere
Tue Jan 10, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: File taxes with $0 income with a dependent?
Replies: 29
Views: 2101

Re: File taxes with $0 income with a dependent?

Without any earned income, she's not eligible for any refundable credits like Earned income Tax Credit so I don't see any reason to file. The only other reason to file would be to decrease the likelihood of tax fraud (ie someone filing a fraudulent return using her SSN). I'm beginning to think that...
by neurosphere
Mon Jan 09, 2017 9:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13689

Re: Sad News About a Respected Forum Member

To everyone who doesn't know Old Meph by his reputation, keep reading his old posts and you'll learn a great deal about insurance (in the same way you might read Alan S on IRAs or sscritic on social security). A forum like this makes Old Meph immortal, and forever preserves his contribution to soci...
by neurosphere
Mon Jan 09, 2017 6:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13689

Re: Sad News About a Respected Forum Member

I will miss you.

I will strive to live up to the example you have set.

Sotirios
by neurosphere
Mon Jan 09, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7352

Re: Best Ways to Buy Time

user5027 wrote:Grow a beard.


That's a good time saver (and probably saves money too). But the OPs wife might have an opinion on that as well.

Personally, a beard on me looks quite horrible. If there were such a thing as permanent (safe) facial hair removal, I would consider it. I hate shaving. :)

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