Search found 7419 matches

by tfb
Fri Dec 09, 2016 1:45 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 15
Views: 423

Re: HSA - is keeping 40 years of medical records practical?

Same here. Running spreadsheet (including provider addresses and mileage - an often overlooked qualified expense), and clearly cross-referenced .pdf files to each line item on the spreadsheet. If I can show date, provider name, type of expense, mileage (spreadsheet entries) plus provider invoice, i...
by tfb
Thu Dec 08, 2016 1:43 am
Forum: Investing - Help with Personal Investments
Topic: IRR Calculation Fully Leveraged
Replies: 2
Views: 151

Re: IRR Calculation Fully Leveraged

The investment does not care where the cash came from. You have a return from the investment. Then you have a cost of funds. The return is still the return. If it's higher than your cost of funds you win.
by tfb
Tue Dec 06, 2016 1:43 am
Forum: Personal Consumer Issues
Topic: "What-If" Test Copy with TurboTax Online
Replies: 1
Views: 416

Re: "What-If" Test Copy with TurboTax Online

It doesn't work. You are not creating a "copy" from the original when you use a test account. You are just re-starting from scratch with no guarantee you are giving the same answers as in the original. The test account is unpaid. You don't get to see the forms.
by tfb
Mon Nov 28, 2016 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6649

Re: Why does the car dealer say leasing is cheaper than buying?

Can someone explain to me why leasing would be cheaper. Is it because my trade-ins are usually low mileage and under 4 years old? In this case leasing could very well be cheaper than buying, depending on the specifics. Any difference between leasing and buying pales in comparison with trading in lo...
by tfb
Mon Nov 28, 2016 2:02 am
Forum: Personal Finance (Not Investing)
Topic: IRC 415(c) and IRC 402(g) rules
Replies: 6
Views: 560

Re: IRC 415(c) and IRC 402(g) rules

The 415(c) rules are employer rules. You don't have to worry about them. If your employer finds out they broke the rules on you, they will address it.
by tfb
Wed Nov 23, 2016 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?
Replies: 5
Views: 544

Re: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?

Noobvestor wrote:I was going to swap those for Vanguard funds, but it tells me I can only exchange within the same fund family using their 'Fundaccess' system.

That's correct. "Exchange" in the mutual fund world means going from one fund to another within the same fund family.
by tfb
Wed Nov 23, 2016 2:57 am
Forum: Investing - Help with Personal Investments
Topic: Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?
Replies: 9
Views: 1158

Re: Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?

It's a good change. My employer made this change 3 years ago. Now I'm getting revenue sharing credits and a fee charge at about the same time. The provider pays the revenue sharing from investment options back to the plan. The plan allocates it to the participants. The provider then charges a flat f...
by tfb
Sun Nov 20, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 522

Re: Paid Loss Ratios for Car Insurance

Amica auto dividend policies are not available in CA, FL, HI, MA, MO, NC, NJ and TX.


https://www.amica.com/en/products/dividend.html
by tfb
Sun Nov 20, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking Recommendations
Replies: 18
Views: 1720

Re: Online Banking Recommendations

At this point I am leaning towards Alliant as I will be using either as my primary checking/savings account so the monthly deposit requirement won't be an issue for me. Go for it. I have been using Alliant for several years. No issues with website or mobile app. Having checking and savings together...
by tfb
Fri Nov 18, 2016 1:33 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11263

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

This offer has existed for many months now. It's IRA only. I was able to purchase on line. No. This is a special "black friday" offer for non-retirement accounts. Supposedly good only from 11/7-11/30. Maybe change the title to make it clear it's a new offer available in non-IRAs as well?
by tfb
Thu Nov 17, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: HSA California: Has it been ruled on that deposits and capital gains are taxed immediately
Replies: 5
Views: 777

Re: HSA California: Has it been ruled on that deposits and capital gains are taxed immediately

Favorable tax treatment requires special provision in the law. By not doing anything special about HSA, California makes HSA fall back to a taxable account. It doesn't have to explicitly say this or that is taxable. Everything is taxable unless exempt somehow.
by tfb
Thu Nov 17, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11263

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

The new offer does not appear to be limited to IRAs. The offer is not available online but you can do it by phone. APY (Annual Percentage Yield) will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change ...
by tfb
Sat Nov 12, 2016 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 35
Views: 3808

Re: Turbo Tax 2016 purchase source

Edited to add: OP (nonnie) reported that s/he was a a satisfied customer last year, but nonnie's earlier post about last year links to a site with a completely different name, which is no longer in operation. Sounds like the same pirate operator just registers a new domain every year and notifies t...
by tfb
Sat Nov 12, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 35
Views: 3808

Re: Turbo Tax 2016 purchase source

nonnie wrote:and no this isn't MLM and I don't get a commisssion, just a satisfied customer :-).

Make sure it's an authorized reseller. You don't want to unknowingly buy pirated software or promote a pirate site.
by tfb
Fri Nov 11, 2016 2:39 am
Forum: Investing - Theory, News & General
Topic: Roth IRA Custodian Change - Withdraw Contributions
Replies: 5
Views: 297

Re: Roth IRA Custodian Change - Withdraw Contributions

rrppve wrote:For those of us who haven't tracked our Roth basis, what's the issue. Is there any real consequence to not knowing the basis numbers if the withdrawals are at least 5 years after any conversion and you're over 59.5?

No issue. Track only when there's a possibility you will withdraw before 59-1/2.
by tfb
Fri Nov 11, 2016 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Yet another ESPP post
Replies: 5
Views: 557

Re: Yet another ESPP post

Pretty standard but it also has something called "automatic reset feature." If the closing price at the end of 6 month offering period is lower than the enrollment price (beginning of the offering period), the plan automatically reenrolls me into a 24 month offering period to ensure that ...
by tfb
Fri Nov 11, 2016 2:24 am
Forum: Investing - Help with Personal Investments
Topic: S&P500 Mirrors ACWI
Replies: 7
Views: 638

Re: S&P500 Mirrors ACWI

I've subsequently looked at both ACWI and ACWX against the S&P500 and uploaded two charts to the following location: https://photos.google.com/share/AF1QipNu5sGl2-JLtHa6BkKEBMHvhJi2otB2s1xMrvSO-J6eZvcp40R5QfxTtUAKIISmDg?key=ZmM2MjR1UGY3bnREMzFRWktqcUYwX09MN1FEd3h3 ACWI does mirror very closely ...
by tfb
Fri Nov 11, 2016 2:21 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2492

Re: After Tax 401k Contributions

blackbird123 wrote:Is this true? If so, why would anyone use a taxable account below 53,000 in yearly savings?

It is true. Because they don't know, just like you didn't before you heard about this.
by tfb
Fri Nov 11, 2016 2:19 am
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 24
Views: 1514

Re: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

Here's what IRS says in the letter (They sent me 3 separate letters for each tax year 2013, 2014 and 2015) "Dear Taxpayer: Thank you for the inquiry of <Date> We received your Form 8606. Please provide the following: A completed copy of Form 1040X, Amended US Individual Income Tax Return, page...
by tfb
Sat Nov 05, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory Debit Card use, with fee added
Replies: 16
Views: 1700

Re: Mandatory Debit Card use, with fee added

Thanks very much for the prompt replies. I just don't encounter much Arco in my home area. Yes, I could have paid cash, but I was in a hurry. And I had never had a gas pump refuse a revolving credit card before. My original thought was that it might be a violation of their contract with Visa and MC...
by tfb
Sat Nov 05, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle Employer's healthcare (HSA) dollars?
Replies: 10
Views: 1204

Re: How to handle Employer's healthcare (HSA) dollars?

thekcsmos wrote:Wow. The topics this forum educates me on are amazing. I wasn't even thinking about the SS taxes. I will probably be below that threshold. I live in Kansas for what it's worth. Thanks for the input so far.

Premiums are also before SS taxes. It's still a wash.
by tfb
Thu Nov 03, 2016 12:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA eligibility for employed adult child
Replies: 2
Views: 298

Re: HSA eligibility for employed adult child

Am I understanding this correctly that we need to withdraw the contributions and earnings, including the employer contributions (which we will get to keep, but will be taxed as income), prior to April of 2017, and there will not be a penalty? That's correct. If you are in an HDHP (whether under his...
by tfb
Wed Nov 02, 2016 12:41 am
Forum: Investing - Theory, News & General
Topic: The Roth Index Universal Life Policy
Replies: 12
Views: 1064

Re: The Roth Index Universal Life Policy

My favorite part is the chart. Don't miss the chart. Where the "actual investment," whatever that is, starts down the same 20% as the IUL policy which apparently took 6 years to break even. Is it even legal to write stuff like this? Actually the investment growth goes by the right vertica...
by tfb
Tue Oct 25, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1694

Re: TurboTax 2016--Schd D repeat

After probably 20 years with TurboTax I used TaxAct last year. Removing the schedule was not an oversight on the part of Intuit. It was a sneaky way to increase prices. UNBELIEVEABLE--TALKED TO THE SAME CSR--AND IN FACT 2016 WILL BE THE SAME AS 2015 FOR THE DESKTOP VERSION. HE HAD NO IDEA ! Correct...
by tfb
Sat Oct 08, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA/HRA Can my wife use HRA for medical expenses?
Replies: 5
Views: 588

Re: HSA/HRA Can my wife use HRA for medical expenses?

My human resources person told me that they think that because my wife's HRA can be used for my expenses (we didn't know this-we thought "her" HRA was only available for her on her own plan), that I am “technically” covered under another plan that is not a High Deductible Health Plan. The...
by tfb
Sun Oct 02, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on HSA - invested after-tax money by mistake
Replies: 3
Views: 333

Re: Need advice on HSA - invested after-tax money by mistake

The new employer also offers a high deductible insurance plan, but doesn't offer an HSA as far as I know (need to investigate this further). You should find out whether the new employer's high deductible insurance plan is HSA-eligible. Your new employer not offering an HSA could be a clue its plan ...
by tfb
Sat Oct 01, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax Contributions to solo 401k?
Replies: 20
Views: 1542

Re: After Tax Contributions to solo 401k?

Harry, Could you please explain how his/her income is too low to do after tax contributions given that Ascensus charges ~$200/year? Am I missing any additional charges? Thanks. Just by going with an off-the-shelf plan from Fidelity the OP is already able to put in $2,000. So the additional fees are...
by tfb
Sat Oct 01, 2016 12:14 am
Forum: Investing - Help with Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 6147

Re: A broker's response to 3 Fund Portfolio

Just do a Morningstar Portfolio X-Ray and look at the 9-box results. How does it differ?
by tfb
Sat Oct 01, 2016 12:11 am
Forum: Investing - Help with Personal Investments
Topic: After Tax Contributions to solo 401k?
Replies: 20
Views: 1542

Re: After Tax Contributions to solo 401k?

I also make a small amount of side income outside of my employer ~ 10K annually; is that income also allowed to be contributed to a solo 401k? I think your side income is too small at this time to make it worthwhile to pay a TPA for a plan that allows after-tax contributions. You end up paying the ...
by tfb
Sat Sep 24, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 859

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

SeekingAPlan wrote:I was wondering if I can switch to a ACA policy when my employer does offer coverage such as it is.

You can switch. You just have to pay the full premium.
by tfb
Sat Sep 24, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 35
Views: 5296

Re: "In Defense of Bonds"

Does anyone have any idea what she's talking about? Where does this liquidity come from if the investor is 100% equity? She specifically says she does not mean cash or savings and repeatedly says no "sell low" needs to happen if we meek mortals would simply "follow the plan!". I...
by tfb
Sat Sep 24, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 859

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

SeekingAPlan wrote:Yes, self insured does matter. It exempts the plan from many of the rules that otherwise apply.

The plan I'm in is also self-insured, as are most mega corps' plans. It has a provider network.
by tfb
Sat Sep 24, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 2069

Re: Best online bill payment service.

I currently use my local bank's online bill payment feature, but I'm ditching my local bank for more than one reason. I currently have accounts with Schwab and Fidelity, both of which offer an online bill payment service. FWIW, I think I'll give Fidelity's system a try first. For those of you who p...
by tfb
Sat Sep 24, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 859

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

It's called an indemnity plan. The plan pays usual, customary, and reasonable (UCR) charges, as determined by the plan. The participant is responsible for the provider charges above UCR. Self-insured has little to do with it. It can be administered by an insurance company and still be an indemnity p...
by tfb
Sat Sep 24, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5373

Re: Securing work computer and USB drive

I agree. I made the individual decision the extra features are not worth the extra price. We are talking about a 700-800% price difference here ($11 vs $87 for 8 GB; $16 vs $115 for 16 GB). Where are you getting these prices? Those prices appear to be a comparison of a regular (unencrypted) USB to ...
by tfb
Fri Sep 23, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 193
Views: 17492

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

General question: when you transfer in kind ("ACATS"?) how long does it take for cost basis information to migrate over to the new custodian? If it's not immediately available when the holdings arrive should you wait a few days (or how long) for the "dust to settle" before inqui...
by tfb
Fri Sep 23, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5373

Re: Securing work computer and USB drive

On the Aegis, the password is only typed into the USB key itself and the software is fully internal to the USB drive (that's why it costs more). No software has to run on the host system except for standard USB mass storage drivers. You will not have to worry about any corporate keyloggers retainin...
by tfb
Fri Sep 23, 2016 12:07 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5373

Re: Securing work computer and USB drive

Gemini wrote:SO is aegis worth the extra $ ?

I don't think so. Therefore I use the Kingston.
by tfb
Thu Sep 22, 2016 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Threshold for pre-notifying credit card companies?
Replies: 40
Views: 2703

Re: Threshold for pre-notifying credit card companies?

It may not work even if you pre-notify. Just have 2 or 3 cards. If one doesn't work try another.
by tfb
Thu Sep 22, 2016 1:06 am
Forum: Personal Consumer Issues
Topic: Those who are having Ooma
Replies: 13
Views: 2217

Re: Those who are having Ooma

I have been using ooma since it was first launched for free. I haven't paid a dime after the initial $200 and I still use the original equipment with no plan to upgrade until it breaks down on me. Agree. The service reliability issue sounds more theoretical than reality. I'm willing to bet it will ...
by tfb
Thu Sep 22, 2016 12:45 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5373

Re: Securing work computer and USB drive

You can use the Aegis Secure Key on any system without needing software support since you enter the password on the built-in keypad. You would need the Kingston software on the system to access the Data Traveler. The Kingston drive doesn't require any software installed on the system. It runs softw...
by tfb
Wed Sep 21, 2016 12:05 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 3348

Re: No matching on Roth?

Ok, Bogleheads, you've convinced me to look into this a bit more. I will send the following email to our controller in order to begin the inquiry. Any thoughts on how this is worded? Did the controller tell you Roth contributions don't get a match? Or did the controller send the notice about adding...
by tfb
Tue Sep 20, 2016 12:17 am
Forum: Investing - Theory, News & General
Topic: American Funds claims to beat Index funds
Replies: 42
Views: 3615

Re: American Funds claims to beat Index funds

From Morningstar's growth charts, entering VFIAX just to get a chart, but reading growth from their S&P 500 total return chart, I find that the S&P 500 index grew $10,000 to $20,422.20 in the ten year period preceding 6/30/2016 http://s14.postimg.org/grwwb7joh/Captura_de_pantalla_2016_09_19...
by tfb
Mon Sep 19, 2016 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA distributions and HIPAA
Replies: 15
Views: 1258

Re: HSA distributions and HIPAA

*3!4!/5! wrote:But common sense tells me there's something wrong with HealthEquity HSA (especially if you view them as a bank) refusing to let you withdraw funds, unless you make a declaration regarding medical activity.

Contact a class action attorney. You have an opportunity to get a piece of the settlement.
by tfb
Sun Sep 18, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA distributions and HIPAA
Replies: 15
Views: 1258

Re: HSA distributions and HIPAA

Surely the HSA custodian has no legitimate reason for such information. They have no right or responsibility to any medical information. See previous thread: https://www.bogleheads.org/forum/viewtopic.php?t=177222 They are not requesting medical information. They only help you record and remember w...
by tfb
Sat Sep 17, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 77
Views: 17752

Re: Health Equity HSA--New Passive Plan

cookymonster wrote:I just hope I can get away with keeping next to nothing ($1?) in the account without it getting closed.

You can drop it down to $25.
by tfb
Sat Sep 17, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 3348

Re: No matching on Roth?

I still think they have to match the Roth contribution. I'm wondering if whoever administers the plan has a misunderstanding about what is supposed to be matched. Because of that word "deferred". An explanation could be that HR or Finance who added Roth 401k to the plan this year made the...
by tfb
Sat Sep 17, 2016 12:30 am
Forum: Investing - Help with Personal Investments
Topic: transferring SEP IRA to vanguard solo 401k via fidelity
Replies: 19
Views: 995

Re: transferring SEP IRA to vanguard solo 401k via fidelity

Now that I've had a glass of wine to ponder this, I'm curious if the language may be a clever way of excluding individual 401k plans. What code section listed above covers individual 401k plans? i401ks aren't covered by ERISA. 401(a) covers it. Profit sharing plan with a CODA. (a) Requirements for ...
by tfb
Sat Sep 17, 2016 12:24 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 3348

Re: No matching on Roth?

I appreciate your research! That sounds right...the type of match (Safe Harbor) is not applicable for Roth 401ks. My company certainly could have been more clear about that in the documentation, but like you said, the traditional 401k was in place long before the Roth feature was added, so this was...
by tfb
Fri Sep 16, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: transferring SEP IRA to vanguard solo 401k via fidelity
Replies: 19
Views: 995

Re: transferring SEP IRA to vanguard solo 401k via fidelity

Can you provide the page number of the i401k package that specifies this? I'm having trouble something that references this. I see where you can select the plan is pre-existing, but I don't see any language there referencing an indirect rollover transfer. Here are the Vanguard documents. https://pe...

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