Search found 54 matches

by perl
Thu Mar 23, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 96
Views: 12386

Re: What % of your income have you converted to wealth?

For an early 40s couple: 59.5%. I didn't expect it to be that high.

What would be an easy way to adjust this for inflation?
by perl
Mon Mar 20, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: IRS letter: employment related identity theft
Replies: 4
Views: 860

Re: IRS letter: employment related identity theft

investingdad, thanks - this is just the kind of list I was looking for.

I was able to place the freezes online at the 3 credit places & chex. I'll keep working down the list.
by perl
Mon Mar 20, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: IRS letter: employment related identity theft
Replies: 4
Views: 860

IRS letter: employment related identity theft

This weekend I received a letter from the IRS with an Employment related Identity Theft Notice. It says: We believe another person used your social security number (SSN) to obtain employment. We are sending this notice to make you aware of this incident so you can take appropriate steps to protect y...
by perl
Wed Mar 15, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3377

Re: Time Saving Tactics: Kids Edition

Learn to be more focused and productive at work, then reduce hours spent working. (Only applies if you're salaried.)

Exercise regularly so you can keep being there for your kids.
by perl
Wed Mar 15, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

LOL. On the other hand, I am still with Liberty for home insurance: I researched Geico's underwriter and did not like it one bit. I cannot describe Liberty in allowed words either: yearly premium in 2004 was $400; yearly premium in 2017, $1,100. In a deflationary environment... yeah, right. I am pa...
by perl
Mon Mar 13, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1657

Re: Pipe leak damaged house

Thanks for the advice. I particularly appreciate the water alarm suggestion, I was just wondering whether a product like this exists. Water or moisture sensors for out of place spots seem like a great idea. My remodel comment was sardonic, because our kitchen is ripped up and unusable - it's the bad...
by perl
Mon Mar 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1657

Pipe leak damaged house

Looks like we're doing an involuntary kitchen remodel. This weekend we discovered that the drain pipe of our kitchen sink has leaked and caused water damage to our kitchen cabinets, the floor underneath, and the rooms below. The damage looks pretty extensive: the walls and baseboards are wet in the ...
by perl
Fri Mar 10, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 28
Views: 1244

Re: New to all of this, need a consult/reassurance please.

I'm your age and I'm 80/20. That's ok if you are comfortable with it. Getting everything over to Vanguard should be a priority. That IRA at Wells Fargo is awful. I think that completely stopping retirement plan contributions for 2 years is a mistake. You can only contribute $5500 each to IRAs each y...
by perl
Sun Mar 05, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?
Replies: 33
Views: 1817

Re: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?

80/20, and following the logarithmic glide path discussed in the wiki until it hits 50/50, then staying there.
by perl
Sat Mar 04, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 1766

Re: Downsides to Living in Same Neighborhood Entire Life?

When you're 25 and single, you're in a good stage of life to have a bit of adventure and try something new. Your current neighborhood will still be there if you want a family oriented neighborhood later. Getting a bit out of your comfort zone is good for personal growth. How will the extra expenses ...
by perl
Sat Mar 04, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 24
Views: 1528

Re: Pay off car loan early or contribute to Roth IRA(s)?

Listen to the advice you already got: don't pay a 0.9% interest loan early. Save for next year's Roth contribution. Rebuild your emergency fund. Invest in taxable. Those are all better than prepaying a low interest loan.
by perl
Mon Feb 27, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Anyone using Optum Bank for HSA?
Replies: 16
Views: 1193

Re: Anyone using Optum Bank for HSA?

My employer switched to Optum starting last month. In my case my employer pays the monthly fee, and I only need to hold $1k in the savings account before investing. I haven't set up the investments yet, I'll have to see if the 3 basis point fee applies in our accounts.
by perl
Sat Feb 25, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1432

Re: Cloudbleed Bug

It's important to realize how this is different from many widely publicized data thefts: in the past, hackers typically stole encrypted passwords, and the danger was that poor passwords could be determined. In this case, affected sites could inadvertently release plain text passwords. If you have an...
by perl
Thu Feb 16, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Flat or sublinear fund expense instead of percentage
Replies: 9
Views: 668

Re: Flat or sublinear fund expense instead of percentage

I've wondered about this at times. Suppose you're comparing relatively large accounts in the same share class. One has $50k in an S&P 500 index fund, and the other has $500k. Since some costs are fixed per account, independent of account size, does it really cost Vanguard 10 times as much to dea...
by perl
Thu Feb 09, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house addition/HELOC?
Replies: 29
Views: 1600

Re: Can I afford a house addition/HELOC?

I think this plan is a good one. You have a high income and a high savings rate, and live in a high cost of living area. Making the decision to improve your quality of life to have more space with young kids is a reasonable decision to make.
by perl
Sat Feb 04, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio Planning, including TIAA-CREF
Replies: 12
Views: 880

Re: Help with Portfolio Planning, including TIAA-CREF

How about something like: 30% Large U.S. - Vanguard institutional index orbSchwab total stock in IRAs 20% International - Vanguard total international 10% Real estate - TIAA real estate 20% Bond-ish guaranteed - TIAA traditional 20% Bond - Vanguard total bond That simplifies things to only 5-6 funds...
by perl
Thu Feb 02, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3397

Re: Employer denying HSA to eligible employee

Finally, we do not know why company has changed this policy. The OP can tell us more about the circumstance. My interpretation is the partner had enrolled separately in the health plan and in the HSA last year. After the first payroll in 2017, when the partner asked why the HSA deductions stopped, ...
by perl
Wed Feb 01, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3397

Re: Employer denying HSA to eligible employee

To answer the questions: jeremyi, partner is not highly compensated, he actually makes less than I do. They gave no justification, just that it wouldn't be allowed anymore. Nate79, it's only one family health insurance plan, which (I believe) is the problem. My employer allows health insurance benef...
by perl
Wed Feb 01, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Your thoughts on an aggressive asset allocation
Replies: 29
Views: 2870

Re: Your thoughts on an aggressive asset allocation

I suggest reading Larry Swedroe's recent book on factor investing before making any final decisions.
by perl
Wed Feb 01, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3397

Re: Employer denying HSA to eligible employee

Just a thought, but I think it might be 1 family health ins policy. =. 1 family HSA. It seems like you are double dipping. If your partner also pays for. Health insurance on a family policy, I bet he could do the family HSA. What you wrote - 1 policy means 1 HSA - is an IRS requirement for married ...
by perl
Wed Feb 01, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3397

Employer denying HSA to eligible employee

My employer provides HSAs to employees with high deductible health insurance. The employer doesn't contribute funds, but does take contributions pre-tax and pays the fees for the Optum HSA ($2.50 per month and a lower cash requirement). Recently the employer informed my partner that he will no longe...
by perl
Sun Apr 10, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions - taxable or not taxable?
Replies: 20
Views: 1837

Re: HSA Contributions - taxable or not taxable?

I used to use a CPA who was someone family used. He made multiple mistakes on my taxes. I caught some of them, but I missed one and it cost me an IRS review, back taxes, and a penalty. I switched to Taxact. It doesn't cost much and is less likely to make errors.
by perl
Fri Apr 01, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 5613

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by perl
Thu Mar 31, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 5613

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again.
by perl
Thu Mar 31, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 21798

Re: Tesla Model 3 anyone?

So did anyone register today?
by perl
Mon Mar 28, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1142

Re: What to do with old TIAA 403b?

I agree that TIAA Traditional could be a good option. TIAA Traditional is an unusual fixed-income-like option, but with restricted liquidity and a guaranteed interest rate. Here's a link someone posted for me when I was trying to understand it recently: http://www.tiaa-cref.org/ucm/groups/content/%4...
by perl
Sat Mar 26, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 21798

Re: Tesla Model 3 anyone?

We are considering it. We're in Colorado, which has it's own EV tax credit.

Where can I read the federal tax rules? The $7500 credit is only on the first 200k sold per model? How does it work?
by perl
Sat Mar 26, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 9979

Re: Paying Marriage Penalty Tax vs. Cohabitation

We do this. We're unmarried but domestic partners, and have kids. We're all on a high deductible health plan with an HSA. Partner and I can each contribute the family maximum to our own HSA because we're unmarried. Like you, we are considering marriage closer to retirement. You might want to look at...
by perl
Fri Mar 25, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: What passive things you do beside investing??
Replies: 44
Views: 4332

Re: What passive things you do beside investing??

I see the question as: how can you take the approach of staying the course/set it and forget it and use it in life outside of investing? Auto billpay would be an example. Scheduling the next dentist appointment while you're at the dentist, so you know you'll be back in 6 months. Calendar reminders f...
by perl
Sat Mar 19, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 10179

Re: Millionaire Next Door and Budgeting

Another YNAB user here. The idea that every dollar "has a job" and you can't just spend whatever is in the bank account has been very powerful for us. It encourages a kind of hybrid of a monthly and annual budget, for example by allocating money each month for an annual car insurance payme...
by perl
Mon Mar 07, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 3633

Re: Anything to look for when buying a fridge?

Read the Appliance Samurai's brand recommendation report. It's a guide to the most easily repaired appliance brands. It will forever change how you shop for appliances.
by perl
Sun Mar 06, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Monitor baby's SSN?/Protecting her identity
Replies: 8
Views: 1225

Re: Monitor baby's SSN?/Protecting her identity

Leeraar wrote:How would a child have a credit history? My son was 21 and applications for his credit report drew a blank. He had a job and a bank account, and no credit card.

L.


Identity theft, as described in the Clark Howard link above.
by perl
Sun Mar 06, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about TIAA Traditional
Replies: 8
Views: 1234

Re: Learning about TIAA Traditional

Thanks for that link. I probably should have clarified: I've been reading the existing threads, but have been finding them hard to follow. The TIAA document explains some of the background I don't understand. It looks like one big question is whether or not to consider TIAA Traditional part of a bon...
by perl
Sat Mar 05, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about TIAA Traditional
Replies: 8
Views: 1234

Learning about TIAA Traditional

My employer has started offering TIAA Traditional Annuities in the 401(a) and 403(b) plans. The specific annuities are TIAA Traditional Annuity - Retirement Choice and TIAA Traditional Annuity - Retirement Choice Plus (depending on which plan). I'm interested in learning more about these annuities a...
by perl
Sat Mar 05, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Monitor baby's SSN?/Protecting her identity
Replies: 8
Views: 1225

Re: Monitor baby's SSN?/Protecting her identity

What if you're in a state that doesn't have a law mandating that parents can freeze their childrens' credit?
by perl
Sun Feb 21, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: How much should I periodically invest on a monthly basis?
Replies: 7
Views: 1128

Re: How much should I periodically invest on a monthly basis?

Why a taxable account? Is that because you're maxing out your tax-deferred options? If so, how much are you saving there?
by perl
Thu Nov 05, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for HSA Investment
Replies: 36
Views: 8241

Re: Recommendations for HSA Investment

Thanks for the suggestions. It looks like there are multiple options in the $50-75/year range.

It looks like Alliant charges $6/month for an investment account, and I can't find a list of what funds are offered and their expense ratios. If someone know where to find this, please let me know.
by perl
Wed Nov 04, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Recommendations for HSA Investment
Replies: 36
Views: 8241

Re: Recommendations for HSA Investment

I'm trying to determine what custodian is the best option for an investment HSA. I've read the older posts on this, but some fee arrangements might have changed. Is HSA Bank+TD Ameritrade still likely the best? Or are there other good options to consider?
by perl
Mon Mar 09, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: New employer retirement plan funds
Replies: 3
Views: 846

Re: New employer retirement plan funds

Thanks for the comments and the info about CITs.
by perl
Sat Mar 07, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: New employer retirement plan funds
Replies: 3
Views: 846

New employer retirement plan funds

My employer is changing the funds available in the retirement plan. Previously, I was able to choose basically any retail Vanguard fund. My allocation, funds, and expenses ratios were: Domestic stock 50%/International stock 30%/Bond 20% Large value 10% Vanguard value index VIVAX 0.24 Large blend 10%...
by perl
Thu Jul 10, 2014 12:43 pm
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 6142

Camelcamelcamel and Amazon prime

Use camelcamelcamel to look at price history and set up price alerts on items you buy regularly on amazon. You can then order when the price drops.
by perl
Sun Jun 22, 2014 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1760

Re: Reasons to go with a local vs national mortgage lender?

WHL, this is really going to vary depending on where you are and what the local banks/credit unions are like. As you can see from the answers you've received so far, different people have different experiences. Immediately jumping to the conclusion that your real estate agent is lying to you or corr...
by perl
Wed Jun 18, 2014 5:34 pm
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 6684

Re: Forums like Bogleheads, for Life ?? (other aspects)

You should look at ask metafilter, an amazing question/answer site for any topic with a fantastic community.

Ask Metafilter
by perl
Wed Jun 04, 2014 6:20 pm
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 7238

Re: 529? What if they don't go to college

For high income investors the long term tax deferred growth of a 529 is worth a lot. A financial advisor I know told me that he has clients who use 529 plans for retirement savings for this reason (after maxing out other tax-deferred options of course). Over the long term the tax deferred growth is...
by perl
Wed Jun 04, 2014 3:49 pm
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 8652

Re: Solar panels, are they worth it?

You might look into solar leases. I don't have personal experience with them but friends have had solar panels installed with no upfront cost, and the lease payment is less than their savings on their electric bill.
by perl
Wed Jun 04, 2014 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where do all of you buy your term life insurance?
Replies: 12
Views: 1398

Re: Where do all of you buy your term life insurance?

We used term4sale, and wound up going with Banner and an Accuquote agent.
by perl
Mon May 05, 2014 10:41 am
Forum: Personal Finance (Not Investing)
Topic: switching from FSA to HSA mid year
Replies: 2
Views: 596

switching from FSA to HSA mid year

I posted this question to the end of an old thread but haven't seen any replies, I'm hoping it's ok to start a new thread. At my workplace our insurance/benefits fiscal year runs from July 1 through June 30. I've had and will continue to have a high-deductible health plan. I have been enrolled in an...
by perl
Thu May 01, 2014 11:38 am
Forum: Personal Finance (Not Investing)
Topic: tax treatment of dependents for unmarried parents
Replies: 4
Views: 897

Re: tax treatment of dependents for unmarried parents

pshonore and dodecahedron, thanks for the comments and the pointer to publication 503. I appreciate the feedback. We're all set on making sure our deductions work correctly and that we can do payment separately. It does seem that being able to max out the dependent-care FSAs will be better than clai...
by perl
Wed Apr 30, 2014 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: tax treatment of dependents for unmarried parents
Replies: 4
Views: 897

tax treatment of dependents for unmarried parents

My family could use advice on a tax question about dependents. In our family the grownups are unmarried domestic partners who live together with two kids (#2 is new in 2014 :happy). We are considering two tax scenarios to see how they would impact overall taxes including use of a dependent-care FSA....
by perl
Wed Apr 30, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Help get our finances on track ...
Replies: 19
Views: 1154

Re: Help get our finances on track ...

I think that prioritizing the student loan debt is a great idea. You have about $87K in total student loan debt, which is not as bad as some graduating students these days but still a lot. I don't think it matters that much exactly which loan you pay off first - paying the variable one of your husba...

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