Search found 127 matches

by DarkHelmetII
Tue Oct 16, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Adding significant contribution to grandson's Utah 529
Replies: 7
Views: 697

Re: Adding significant contribution to grandson's Utah 529

Personally, I'd keep it simple. X% total stock index. Y% total bond index. See https://investor.vanguard.com/529-plan/age-based-options. Vanguard recommends the mix by age and how aggressive you want to be. At age 6: Conservative: 40% stock / 60% bonds Moderate: 70 / 30 Aggressive: 90 / 10 Perhaps e...
by DarkHelmetII
Tue Oct 16, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Carefirst PPO, POS, and HMO -- best choice for healthy?
Replies: 3
Views: 268

Re: Carefirst PPO, POS, and HMO -- best choice for healthy?

You can calculate it out. You may save $100+ a month on premiums (even with exchange plan). Plus a tax break on HSA contributions - federal + state (looks like you live in DC). Note however premiums are paid pre-tax so that's a slight favor toward low deductible plan. But still if you have say $500 ...
by DarkHelmetII
Tue Oct 16, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Carefirst PPO, POS, and HMO -- best choice for healthy?
Replies: 3
Views: 268

Re: Carefirst PPO, POS, and HMO -- best choice for healthy?

I can offer a guiding principle, which is to consider two types of characteristics to any health plan: 1) network, and 2) the financials (e.g. premiums, deductibles etc...). For someone healthy, on point #2 very well might make sense to go bare-bones e.g. high deductible. But you don't necessarily w...
by DarkHelmetII
Tue Oct 16, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1783

Re: Job Offer – bonus details provided after acceptance

Regarding the bonus, when do you usually get it? I'm in banking and we get bonuses during 1st Q. When I was switching companies last fall, my offer with the new bank included a sign-on bonus since I wouldn't be getting my usual bonus from former bank. Just another thought for you to consider. Curre...
by DarkHelmetII
Tue Oct 16, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1482

Re: PPO vs HDHP + HSA

One thing to ask is if the in-network and out-of-network deductibles cross-apply. If they do, this gives you a lot more flexibility. Now, they are some wrinkles such as "balance billing", though paying cash is sometimes cheaper anyway than your in-network negotiated rate. This is more of a considera...
by DarkHelmetII
Tue Oct 16, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1783

Re: Job Offer – bonus details provided after acceptance

All - this is super helpful feedback. To recap here are four actions I am hearing (not necessarily in any particular order): 1) Get more details in writing in offer letter on bonus calculation 2) Walk 3) Have them guarantee first year's bonus 4) Convert as much as possible to base I love #4. Anyway,...
by DarkHelmetII
Tue Oct 16, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1783

Re: Job Offer – bonus details provided after acceptance

i'm not sure why they won't share some of the details about how the bonus if calculated. I've gotten tidbits of it verbally but recruiter (internal HR) keeps alluding that it's basically in the "head" right now of my would-be boss's boss. That plus the bonus structure is changing going into 2019. S...
by DarkHelmetII
Tue Oct 16, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1783

Job Offer – bonus details provided after acceptance

Gainfully employed but have a job offer to join a new firm. Negligible (2 – 3%) increase in base but new target bonus is 55% of base whereas current target bonus is 20% of base. Prospective employer sketchy on details for how this significant bonus is determined and offer letter says details will be...
by DarkHelmetII
Fri Oct 12, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contri's vs Trad 401k vs Roth 401k
Replies: 23
Views: 869

Re: After Tax 401k Contri's vs Trad 401k vs Roth 401k

when you break the 55k IRS limit you can switch to a NQDC plan (pretax). what is this??? at my employer, i have the option when i break the 55k limit to switch to a "non qualified deferred compensation" plan, also known sometimes as a "top hat" plan, or a "benefit restoration" plan. that allows me ...
by DarkHelmetII
Fri Oct 12, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contri's vs Trad 401k vs Roth 401k
Replies: 23
Views: 869

Re: After Tax 401k Contri's vs Trad 401k vs Roth 401k

Soon2BXProgrammer wrote:
Thu Oct 11, 2018 8:53 pm
when you break the 55k IRS limit you can switch to a NQDC plan (pretax).
what is this???
by DarkHelmetII
Sun Oct 07, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth: Confirmation of 401k Plan Language
Replies: 5
Views: 391

Mega Backdoor Roth: Confirmation of 401k Plan Language

Hello – helping someone better understand and validate mega backdoor potential for a specific 401k plan. Relevant (I think) wordings from the 401k plan documentation are provided below. Questions I have are: 1) Does this 401k plan have the key features for doing the mega backdoor? 2) Can one do the ...
by DarkHelmetII
Fri Oct 05, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2158

Re: Carry On Luggage Recommendations

eagle creek medium duffel. because it is soft-sided fits into overhead bins of smaller regional aircraft and more likely to be successful in wedging into near-full overhead bins if boarding late. no wheels so that would be a show-stopper for some.
by DarkHelmetII
Wed Sep 26, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: VUL asset allocation
Replies: 15
Views: 820

Re: VUL asset allocation

If not a MEC can consider loaning against it. If you keep it from lapsing loans are never taxed (just need to make sure this thing is in-force until you die). Said this, serious of set pitfalls and details and per others good chance that makes sense to just cut loose and simplify. But keeping it lon...
by DarkHelmetII
Sat Aug 18, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help With 529 Plan
Replies: 16
Views: 1608

Re: Help With 529 Plan

Without going into the details. If there is possible eligibility for financial aid. It is best to have roughly 1/2 in a parental owned 529 plan and 1/2 in a grandparent owned 529 plan. Then the parent's 529 plan is used for everything but the last 2 1/2 years and the grandparent's 529 plan is used ...
by DarkHelmetII
Sat Aug 18, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Help With 529 Plan
Replies: 16
Views: 1608

Re: Help With 529 Plan

1)) Generally, yes Vanguard is good. But see #2. 2) DC has "state" tax deduction IF you us DC College Savings Plan. Please do the due diligence yourself confirming the fine print etc... but my understanding is that after two years from starting your plan, you can then move money into another state's...
by DarkHelmetII
Thu Aug 16, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet Question
Replies: 10
Views: 1002

Re: Spreadsheet Question

1) do a straight average
2) more complex need to "back into" the effective annualized rate of return as nth root of return over all these years
by DarkHelmetII
Sun Aug 12, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: legal recruiters? any recommendations?
Replies: 4
Views: 631

legal recruiters? any recommendations?

Any recommendations on established legal recruiting firms, preferably with a bend toward in-house (not law firm) positions? Realize this is a fairly open-ended question but grateful for any input. Looking from the perspective of a candidate, currently employed by a law firm, wanting to make a move t...
by DarkHelmetII
Thu Aug 09, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1470

Re: Ask for extension or turn down job offer?

And the firm can certainly back out if it is to their advantage to do so. In the early 2000's some professional services firms reneged on their offers as they did not have sufficient work to justify the large incoming classes they had extended offers to (post dot com bust). Just adding a tangible e...
by DarkHelmetII
Thu Aug 09, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 775

Re: Getting Mega Back Door Roth Provisions into a 401k?

I'll echo the hard sell; it took 3 years of lobbying HR before they agreed to add a Roth option to our 401k/403b plans (which still ended up with some shady shenanigans - they won't provide a company match for any Roth contributions, only to the pre-tax contributions). Now I'm trying to get them to...
by DarkHelmetII
Thu Aug 09, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review, Age 30
Replies: 6
Views: 1205

Re: Portfolio review, Age 30

jenson.b wrote:
Thu Aug 09, 2018 4:18 am
3. Is there an online tool that I can use to compare the performance of those two portfolios?
https://www.portfoliovisualizer.com/
by DarkHelmetII
Tue Aug 07, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3787

Re: Landlord advice needed with section 8

Novice to moderately experienced landlord here (5 yrs of a single property across two tenants using a professional management company). My input: if you plan to sell the property in two years or less, keep these tenants at the below market rate. Otherwise, move on to new tenants. Rationale - let's s...
by DarkHelmetII
Fri Aug 03, 2018 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3811

Re: How did you become a Boglehead?

On an academic level, early 2000's after reading Random Walk Down Wallstreet (was still in college). Did not / could not (for me at least) fully embrace until a few years ago after having really been through a broad spectrum of market conditions and better understanding the challenges / downsides of...
by DarkHelmetII
Fri Aug 03, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Good 529 plan or other alternatives
Replies: 8
Views: 610

Re: Good 529 plan or other alternatives

But is that only for people living in the state of Nevada? No, it isn't. Only one state in the country -- Alabama -- penalizes its residents for using an out-of-state 529 plan (by taxing qualified distributions from out-of-state plans). Many states (including Alabama) offer state-tax deductions for...
by DarkHelmetII
Tue Jul 31, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Internal Transfer (not Geographic) - being recruited from within
Replies: 1
Views: 202

Internal Transfer (not Geographic) - being recruited from within

Work for a large (10,000+ person) company. Being recruited internally for a role that I am interested in exploring and have started to explore. Looking for any experiences on this situation. For example, realizing that while the function recruiting me has sworn 100% confidentiality, that can never b...
by DarkHelmetII
Fri Jul 20, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4340

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Find a fee-only adviser and pay a one-time cost of $1,000 - $4,000 for written independent advice on a fiduciary basis (I paid $2,000). Ironically his / her advice should be very close to the 3-fund lazy portfolio ... but with this sum of money and given you are newer to investing, I'd says there is...
by DarkHelmetII
Thu Jul 12, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5975

Re: Anyone take naps at work?

I work from home when not at client site. Enables me to get cat nap as needed or even just lay down / close my eyes for 5 - 10 minutes even if not really sleeping (which is just as well). Overall I find if done correctly, getting a little rest can help. All about managing to results and outputs as o...
by DarkHelmetII
Wed Jul 11, 2018 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3623

Re: Car totaled by uninsured driver

Additional angle (pending your time available and willingness to pursue etc...): Push 'uninsured' driver's insurance company (or the driver himself / herself) for specifics on the policy being cancelled due to non-payment. Stuff like this varies a lot by state. For example state department of insura...
by DarkHelmetII
Tue Jul 10, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 761

Re: Resume Question

As long as you can defend the job titles / job descriptions, I would not be concerned with applying some artistic liberty to tweak your formal role titles to better show career progression, variety of skills etc....
by DarkHelmetII
Mon Jul 09, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2168

Re: Dealing with recruiters

On salary, I have recently gotten much firmer with not disclosing my salary but asking for position range. In last 3 - 4 nibbles recruiter has given me the salary range upon me declining to provide my current salary. I do this for two reasons: a) fundamental principle that he who first mentions mone...
by DarkHelmetII
Sun Jul 08, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 3020

Re: Wellesley alternative for taxable acct.?

on stock can go 40% VFIAX (S&P 500) to keep it simple. If you want to replicate the intn'l bend to Wellesley throw in some VTIAX.

update: per subsequent posts a value fund rather than blended S&P 500 would be purer / closer to true wellesley
by DarkHelmetII
Sun Jul 08, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1680

Re: Ireland trip

stayed here for a few nights: https://www.tripadvisor.com/Hotel_Revie ... Meath.html.

was a nice country place. most definitely need a rental car however (though seems like OP planning on that).
by DarkHelmetII
Sun Jul 08, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2130

Re: Socially Responsible Funds (I want to be socially irresponsible)

Uniballer wrote:
Sun Jul 08, 2018 7:22 am
DarkHelmetII wrote:
Sun Jul 08, 2018 7:10 am
How do I convince my spouse of this?
Forget about it. It probably won't make much difference so it is not worth arguing about.
yeah seems that way. far worse things to invest in (financially) than vanguard social index @ 0.20% and 100% qualified dividends.
by DarkHelmetII
Sun Jul 08, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2130

Re: Socially Responsible Funds (I want to be socially irresponsible)

On general principles, every tool does one thing best. Another saying is "no slave can serve two masters". My view of an investment: it can either do a good job achieving my financial goal or a social responsibility goal, but not both. So for me, if I wanted to feel better about myself, I would go ...
by DarkHelmetII
Sun Jul 08, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2130

Re: Socially Responsible Funds (I want to be socially irresponsible)

What are the fee and cost differences between the options? Socially Responsible Fund is 0.20%. VOOG is 0.15%. Looking at that difference alone one may argue going with socially responsible fund is fine for greater simplicity. Both are 100% qualified dividend income (in 2017) - this is in taxable.
by DarkHelmetII
Sun Jul 08, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2130

Socially Responsible Funds (I want to be socially irresponsible)

Hello - my spouse is now getting hung up on socially responsible investing and I pretty much could care less, other than the extent to which this is paralyzing spouse from investing her cash. Spouse has identified Vanguard Socially Responsible Fund (VFTSX). I do not like the idea of eliminating / ad...
by DarkHelmetII
Sat Jul 07, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-friendlier alternatives to Vanguard Extended Market?
Replies: 22
Views: 2176

Re: Tax-friendlier alternatives to Vanguard Extended Market?

How can I view prior years breakdown of qualified vs. non-qualified dividends on VEXMX? We just loaded up around $50,000 into VEXMX within taxable over ~ 9 months (starting in Fall 2017). This post has me questioning tax efficiency of this move. I do have VEXMX and mid / small cap options within my ...
by DarkHelmetII
Sat Jul 07, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5988

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Thanks for all the replies, very helpful. If I may summarize: a) hosed on the filters if I am otherwise willing to do that myself, b) everything else a little pricey though not as obviously getting hosed. Why was it "too late" ... well I wrote this post about 10 minutes before they finished the work...
by DarkHelmetII
Sat Jul 07, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5988

Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I am having the below services down on my 2015 Honda Accord purchased new in August 2015. Until now I have only had oil changes done. Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. I live in Washington, DC area so probably higher than average cost of...
by DarkHelmetII
Sat Jul 07, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4496

Re: Pitfalls of real estate investing

1) Housing tax (2nd house is 50% more tax, right?) 2) Management fees 3) Repair costs Are there any other expenses or costs that I'm not thinking of? He will be aiming at residential rentals and only looking at ROI. I just want to make to completely sure that we won't meet any sudden surprises. Tha...
by DarkHelmetII
Wed Jun 06, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested HSA Provider
Replies: 9
Views: 926

Re: Suggested HSA Provider

OptumBank has some low cost Vanguard options including Wellington. They waive monthly fees at $5,000 but that $5,000 has to be in Cash (not Cash + Investments).
by DarkHelmetII
Mon Jun 04, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 22
Views: 2403

Re: Moving from EJ to Vanguard

My 2 cents: 1) On the 10 yr vs. 20 yr comparison from EJ ... my bet is that there is some cherry picking of the "evidence." Maybe hear him out for entertainment / educational purposes but I'd be skeptical that any sort of real argument could be made that EJ is making up for the expenses with smarter...
by DarkHelmetII
Mon Jun 04, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Property management company
Replies: 3
Views: 592

Re: Property management company

choice property: https://choiceproperty.us/.

PM me for more specifics if you want
by DarkHelmetII
Mon Jun 04, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I use an HSA?
Replies: 15
Views: 1629

Re: Should I use an HSA?

Across the healthcare options based on three different employers, upon running the numbers I have found the HSA / high-deductible plan to be a near no-brainer. If you are healthy, obviously you win. In "worst case" scenario, between the premium savings and tax benefits I found that I near break-even...
by DarkHelmetII
Fri Jun 01, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth
Replies: 9
Views: 923

Re: Back Door Roth

FiveK wrote:
Fri Jun 01, 2018 1:42 pm
In case the horse isn't dead yet: there is no need to wait.

Probably more than you need to know at Backdoor Roth / step-transaction doctrine news: [Congress recognizes process] - Bogleheads.org.
Thanks ... obviously I needed to read up on this!
by DarkHelmetII
Fri Jun 01, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth
Replies: 9
Views: 923

Re: Back Door Roth

If super paranoid about IRS enforcing step doctrine, wait. Otherwise do it immediately.
by DarkHelmetII
Fri Jun 01, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1116

Re: Picking bonds for my HSA

Any investment in an HSA is taxed in CA unless it is exempt from CA tax. Is this true? I thought that California did not give the state tax deduction upon contributing but otherwise operated as in other states. Please correct me if I am wrong. So when people refer to HSAs as triple-tax advantaged (...
by DarkHelmetII
Thu May 31, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1116

Re: Picking bonds for my HSA

Since 1978, a split of 40% Large Cap Equities / 24% Long-Term Treasury Bonds / 36% Long-Term Corporate Bonds has had a return of 10.05% (before fees) with max draw-down of -20.50% and worst year of -8.58%. I came up with the Treasury / Corporate split based on reading from Vanguard that VBLTX is 40%...
by DarkHelmetII
Thu May 31, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1116

Re: Picking bonds for my HSA

[ DELETED ]
by DarkHelmetII
Thu May 31, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help?
Replies: 16
Views: 1310

Re: Help?

manedark wrote:
Thu May 31, 2018 1:19 pm
I would have said think about state Munis bond funds to avoid the huge 19% state tax, but that's only if you want to hold more bond funds in taxable account.
Is 19% state tax even possible? I assumed it was a typo. Unless this is some extreme NY State + New York City tax?
by DarkHelmetII
Thu May 31, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help?
Replies: 16
Views: 1310

Re: Help?

For the sake of something to react to (original poster and other posters) have laid out illustrative executable steps to consider: 1) Move all of IRA into Vanguard Federal Money Market Fund (first you need to setup an IRA through Vanguard). 2) Move $100,000 of your emergency fund into a Vanguard Bro...