Search found 7390 matches

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: 723

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: 23
Views: 2844

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: 723

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: 1752

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: 723

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: 81
Views: 4461

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: 80
Views: 6403

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: 81
Views: 4461

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: 81
Views: 4461

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: 2433

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: 1951

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: 81
Views: 4461

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: 2971

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: 3220

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: 1106

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: 1106

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: 76
Views: 16561

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: 2971

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: 851

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: 2971

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: 851

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...
by tfb
Fri Sep 16, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 2971

Re: No matching on Roth?

Well apparently they only match on traditional contributions. There is no match on Roth contributions. I totally understand that the company is free to set it up like that if they want, I just think it's misleading to tell us they match on 401k contributions without specifying that only refers to t...
by tfb
Fri Sep 16, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: transferring SEP IRA to vanguard solo 401k via fidelity
Replies: 19
Views: 851

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

I am an independent contractor with an LLC. I have a SEP IRA managed by a financial advisor but want to switch to a solo 401k that I manage myself. I want to use Vanguard. I know their solo 401k doesn't allow rollovers from a SEP IRA. I'm looking at rolling the SEP over to fidelity and then rolling...
by tfb
Fri Sep 16, 2016 12:42 am
Forum: Investing - Theory, News & General
Topic: Broker-Dealer Fee Audit. Is it a thing?
Replies: 8
Views: 674

Re: Broker-Dealer Fee Audit. Is it a thing?

Probably better to have a disinterested CPA do the fee audit from account statements.
by tfb
Fri Sep 16, 2016 12:37 am
Forum: Investing - Help with Personal Investments
Topic: I401K Contribution Maximums
Replies: 5
Views: 387

Re: I401K Contribution Maximums

To keep things simple, lets us a nice round number and say that with my LLC I make 100k per year. Does this mean I could contribute 18k to the Roth, 25k to the regular 401k (25% of the 100k), and then I've utilized the maximum amount of tax advantaged space in this plan (43K)?? If this is your only...
by tfb
Fri Sep 16, 2016 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Would it make sense for me to not max out my 401K?
Replies: 62
Views: 5455

Re: Would it make sense for me to not max out my 401K?

bigguy8437 wrote:would the answer be the same if i said i wanted to retire or partly retire at age 40?

Still the same. Taxable account last.
by tfb
Fri Sep 16, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Bill pay differences with Capital One 360
Replies: 12
Views: 784

Re: Bill pay differences with Capital One 360

sdotsen wrote:My understanding is that Bill Pay is handled by the same company that many banks uses.

There are several companies that provide bill payment services. They work differently. Even the same company may have different settings to be selected by the bank.
by tfb
Fri Sep 16, 2016 12:13 am
Forum: Personal Finance (Not Investing)
Topic: RMD's Requirements with Jan or July Birthdays
Replies: 5
Views: 523

Re: RMD's Requirements with Jan or July Birthdays

Does anyone know how the IRS treats this issue? Actual birthday. Date that you turn 70½ You reach age 70½ on the date that is 6 calendar months after your 70th birthday. Example: You are retired and your 70th birthday was June 30, 2013. You reached age 70½ on December 30, 2013. You must take your f...
by tfb
Fri Sep 16, 2016 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA for previously incurred medical expenses, and full-year HSA contribution limits?
Replies: 12
Views: 873

Re: Use HSA for previously incurred medical expenses, and full-year HSA contribution limits?

Once my spouse joins my insurance plan, can the funds in the HSA be used for payment of spouse medical expenses incurred in October and before? Or only expenses incurred after November 1? It can be used for her medical expenses incurred in October and before whether she joins your insurance plan or...
by tfb
Tue Sep 13, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Fidelity when dealing with after tax 401k inservice rollovers
Replies: 8
Views: 645

Re: Vanguard vs Fidelity when dealing with after tax 401k inservice rollovers

I understand Vanguard typically has lower fees but with the access to the inservice rollover feature and my 401k already being with Fidelity would it be better to look into Fidelity? I spoke with a Fidelity rep and they said that the inservice rollover could be done without any paperwork and would ...
by tfb
Mon Sep 12, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Accessing 401K Plan Detail - Telegraphing Intent?
Replies: 11
Views: 828

Re: Accessing 401K Plan Detail - Telegraphing Intent?

Time of Payment [i]In general, you become entitled to a benefit after you terminate employment. Just this sentence alone says you can take distribution after you no longer work there. Whether you pay a 10% penalty on the distribution is between you and the IRS. The IRS makes you exempt from 10% pen...
by tfb
Sun Sep 11, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Fidelity so Persnickety
Replies: 18
Views: 2764

Re: Why is Fidelity so Persnickety

Yet, after doing this and getting email acknowledgement that Fidelity had received the request and it was granted, they said I still had to wait 7-10 business days before I could initiate any transfers. Huh? Why the wait? Neither the Fidelity shares or the bank account is new, have had both for yea...
by tfb
Sun Sep 11, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 81
Views: 4461

Re: Securing work computer and USB drive

What can I do to protect these personal folders? Is there password type program that will prompt a password before accessing certain folders on a windows computer? Open to other options as well. I also carry a copy of personal files and folders on a USB drive. How can I secure the USB drive? Passwo...
by tfb
Sun Sep 11, 2016 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard....I know, it's been discussed!
Replies: 23
Views: 2313

Re: Schwab vs Vanguard....I know, it's been discussed!

Schwab doesn't get much love on here other than the bank account. Because unlike Fidelity, it's not straight forward to do a 3-fund portfolio at Schwab. Its international index fund is just EAFE. Easy enough. SCHF + SCHC + SCHE Nice in taxable for TLH the more volatile small caps and emerging. Mark...
by tfb
Sat Sep 10, 2016 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard....I know, it's been discussed!
Replies: 23
Views: 2313

Re: Schwab vs Vanguard....I know, it's been discussed!

jjface wrote:Schwab doesn't get much love on here other than the bank account.

Because unlike Fidelity, it's not straight forward to do a 3-fund portfolio at Schwab. Its international index fund is just EAFE.
by tfb
Sat Sep 10, 2016 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage will not convert mutual fund to ETF
Replies: 57
Views: 4031

Re: Vanguard brokerage will not convert mutual fund to ETF

*3!4!/5! wrote:The Good: I realized there was a different number to call 1-800-499-9829. The call was answered quickly, by a very professional rep who immediately understood what I wanted ...

Where did this magic number come from?
by tfb
Sat Sep 10, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA fees and contribution limits
Replies: 6
Views: 837

Re: Roth IRA fees and contribution limits

Dord wrote:So, I did a rollover from Fidelity to Vanguard of my $5500 but got hit with the $50 closing fee (silly me), so I now end up with $5450. My question is can I contribute another $50 to my Vanguard Roth IRA

No.
by tfb
Sat Sep 10, 2016 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mega++ backdoor question
Replies: 5
Views: 768

Re: Mega++ backdoor question

My idea, since all three pieces required are allowed by my 401K plan, is to make a non-deductible contribution to a tIRA ($5500 + $1000 catch up), roll that IRA into my 401K, then include that money as after tax $$ in the Mega Backdoor for the year. The reason I would like to do that is it would be...
by tfb
Fri Sep 09, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings IRA and SEP for combination of W2 and 1099
Replies: 10
Views: 630

Re: Tax savings IRA and SEP for combination of W2 and 1099

One thing that is NOT clear to me is whether opening a SEP-IRA counts as being "covered by a retirement plan at work", and so would prevent him from making deductible tIRA contributions (which of course is separate from making *employer* contributions to his SEP IRA). Similarly, is it tru...
by tfb
Fri Sep 09, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Social Security [i]: Max SS Earnings, Bend Points, How Many More Years? [USA]
Replies: 38
Views: 3743

Re: Social Security, Max SS Earnings, Bend Points, How Many More Years? [USA]

Here is the table from my previous post using constant annual earnings equal to the $118,500 maximum. It confirms that working after reaching the 2nd bend point does increase the PIA much more than when the constant annual earnings are only $70,000. That's because the number of years required to re...
by tfb
Thu Sep 08, 2016 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Social Security [i]: Max SS Earnings, Bend Points, How Many More Years? [USA]
Replies: 38
Views: 3743

Re: Social Security, Max SS Earnings, Bend Points, How Many More Years? [USA]

I am aware of the " bend points ", but I can't get anywhere near to understand how to interpret them This blog post I wrote explains them: http://thefinancebuff.com/early-retirement-social-security-benefits.html do the bend points show if there is there sweet spot of total number of worki...
by tfb
Wed Sep 07, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k
Replies: 8
Views: 659

Re: Solo 401k

Ideally, I would like to convert the 401k from my previous employer into my solo-401k at Vanguard, but unfortunately Vanguard won't allow that - they will only accept a conversion into my solo-401k if it's coming from another solo-401k. So my thinking is to open a solo-401k plan with Fidelity, conv...
by tfb
Mon Sep 05, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 99
Views: 17487

Re: Bank of America/Merrill Edge - Preferred Rewards

*3!4!/5! wrote:What will BoA report?

Nothing.
by tfb
Mon Sep 05, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Removing Accounts Authorized To Be Used By Your Checking Account
Replies: 8
Views: 942

Re: Removing Accounts Authorized To Be Used By Your Checking Account

Yes, I've seen that. That allows me to change my specific banking info (routing and account numbers) but not accounts authorized by it. I want to keep the banking info the same and just change the accounts authorized to use that banking info. Contact Vanguard. Maybe they can do more than you can on...
by tfb
Mon Sep 05, 2016 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth worth it if early retirement is a possibility?
Replies: 10
Views: 1267

Re: Backdoor Roth worth it if early retirement is a possibility?

The only downside I can think of, though, is that I am locking away more of my savings until age 59.5. That is nearly three decades away, and I fully intend to retire at least ten years before than, and I hope sooner. If want to do that you will have money outside 401k/Roth *in addition to* money i...
by tfb
Mon Sep 05, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: Goliath, Inc (Vanguard) revenue
Replies: 14
Views: 2016

Re: Goliath, Inc (Vanguard) revenue

A recent Morningstar article said Vanguard is not making a profit yet on the PAS. Revenue goes to cover costs of delivering service. Largely sticking to existing Vanguard clients, PAS had $36 billion in assets as of March 2016. Vanguard's scale allows the firm to offer its relatively high-touch serv...
by tfb
Mon Sep 05, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: If Fed goes Negative, do Treasuries lose their Initial cost of investment??
Replies: 16
Views: 1858

Re: If Fed goes Negative, do Treasuries lose their Initial cost of investment??

jwillis77373 wrote:That begins to sound like a Credit Card charge to me.. where they can reset the interest rate and effectively the 'Original' purchase price of all those purchases made before the interest rate reset.

It doesn't. It actually increases the value of all previously bought Treasury notes.
by tfb
Mon Sep 05, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6403

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Merrill Edge issued 1099-MISC. Thanks for that info. By the way, what other kinds of things did they report on 1099-MISC? Do they report separately from BoA? I haven't opened a BoA checking account yet (I know I need it to qualify for BoA Preferred Rewards, and hope to get a bonus offer for the che...
by tfb
Mon Sep 05, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: HELP PLEASE: 401k/Obamacare advice needed
Replies: 13
Views: 1418

Re: HELP PLEASE: 401k/Obamacare advice needed

It looks like my AGI will be around $37,000. I was planning to get under the $31,860 break point. Contributing $5,500 to a traditional IRA is deductible at this income level even if you also have a 401k at work. Add $1,000 if you are 50 or over by the end of 2017. Spouse can do it too if you need t...
by tfb
Sat Sep 03, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Cardiff Park and John Gorlow
Replies: 12
Views: 832

Re: Cardiff Park and John Gorlow

investfrugal wrote:I contacted the firm and it worked out to less than .3%AUM.

How much less? And the question in the OP about planning?

Go to advanced search