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Sagefemme

In early summer (I think it was June) I asked my spouse to transfer an old retirement account at Fidelity with about $25,000 in it to TIAA (into his current retirement account). Eliminating this old IRA needs to happen in order to start a backdoor Roth for him. The back-and-forth among Fidelity, TIA...

Sagefemme

I love my 2012 Outback for camping and outdoor activities. DH and I spent spring break last year in Death Valley and the Outback came through in so many ways! There were a few nights that were so windy our tent got flattened repeatedly (tent walls against my face every time there was a big gust). We...

Sagefemme

Local community college, many have classes for non-matriculated students of all ages.

Sagefemme

I am a big fan of Eye Buy Direct. My glasses prescription is a little esoteric (I have progressives with a prism component, for example) and they have never gotten it wrong (meaning I've never had to send a pair of glasses back because the correction wasn't right). Once you get prescription glasses ...

Sagefemme

I have bought phones a few times on "Swappa" an online marketplace for mostly pre-owned, but also some new, devices. You will find lots of options. Shipping is included in the price. I've been happy with my Swappa purchases and experiences.

Sagefemme

I'm a heath care provider (not on Medicare myself yet). This thread is so depressing to me. If posters on this forum, who are generally smart, informed, and practical, have trouble deciphering these convoluted and Byzantine Medicare rules, imagine what less capable people go through?? Also, it's a p...

Sagefemme

As for appearing married without actually being married, my husband and I got married (really) 36 years ago in a judge's office, with one witness. I swear not once since then have I had to prove I'm married. We don't have the same last names. We have two kids. We have owned several houses together. ...

Sagefemme

Do what gives you the best night's sleep. If you are fretting about this as you fall asleep, it's not worth it. My two cents.

Sagefemme

I am curious about living on your dream street. I understand the house itself is not great, but is living on The Street in The Neighborhood as wonderful as you imagined it would be? I am a big believer in the right location being key to happiness. I remember reading a study once where the researcher...

Sagefemme

Whoops, didn't see this was posted yesterday!! I guess I'll read those replies.....

Sagefemme

[Thread merged into here, see below. --admin LadyGeek] I was interested and alarmed by this short, pithy piece in the New York Times business section today. I guess I should know this is happening, but Jeff Sommer explained what it is, and why it's worrisome, so well that I feel like I've suddenly ...

Sagefemme

And please let us know what happens. This is an interesting situation reflecting modern-day marriage and could be of interest to many on this forum. BTW, what on-line forum is she seeking advice from, if you know?

Sagefemme

I'm with JoeRetire--you need an actual prenuptial agreement, reflecting your actual assets and concerns, not a generic one of no use to you for the house-buying issue and probably of no use for the other pieces of the financial arrangements that are guaranteed to come up. Get the attorney to do some...

Sagefemme

Looks to me like you are doing very well for a family in an expensive time of life. I will chime in about lunches--if you take leftovers or simple foods from home it will pay twice: once at the time of the meal, and later when health care expenses are less because you ate less restaurant food..........

Sagefemme

My mom died at home in 2015 after being in hospice for about two months. Hospice advised me to call the mortuary in advance to start arrangements. When I called them I imagined she would live at least a few more weeks; in fact she died a few days later. No one "pronounced" her dead. I and my daughte...

Sagefemme

If you live anywhere near Nordstrom (a department store that got its start as a shoe store in the Pacific Northwest), go there. Just show up in the shoe department and tell an associate what your needs are. Nordstrom has excellent sales associates who know their products and have good people skills....

Sagefemme

Have you searched Craig's list and other "for sale" sites for a used Lexus? I wonder if you could find what you want, a few years old, and save quite a bit (and pay cash, of course). But I do think one way or another you deserve a nice Lexus as a reward for your frugality

Sagefemme

Do I need to bump this after editing to get it to the top of the heap?

Sagefemme

Easy to imagine the fee is 0.25% per quarter, for 1% per year. When I had a FA that's how they billed the fees, quarterly.

Sagefemme

THE PROBLEM IS FIXED!! SCHWAB VOIDED THE TRANSACTION!!

I'm doing a jig of happiness. BUT I learned so much by this mistake, and the advice and knowledge from all of you. Thanks Bogelheads!!

Sagefemme

Thanks, everyone. Yes I'm confused and now I see the source of my confusion, and have it sorted out. I would love to undo the damage (transfer that $6500 back to checking!). This all happened at Schwab. I guess I should call them and see if the transaction can be reversed (I did it with the click of...

Sagefemme

I'm getting more confused by the minute. Going back to read basic stuff on retirement plans, because now it seems to me that I can't fund an IRA at all if I have an available employer sponsored 401k plan. Back to the drawing board.

Sagefemme

Thanks, guliver. Arrrgh! I wish I had not done this, it seems to just complicate everything! Up until today, this IRA contained only pretax contributions and earnings from a previous employer's 401K. After I turned the 401K into a rollover IRA I never contributed anything more to it, just had it inv...

Sagefemme

I just did something I think I can't undo, but maybe it's not a huge SNAFU. I was online at Charles Schwab looking at a rollover IRA I recently moved from Fidelity to Schwab, and had the brilliant idea to make the catch-up contribution I had not yet made for 2017 to that account. I was on the phone ...

Sagefemme

PhD--I can roll my rollover IRA into my company 401k. There is no after-tax option; just 401k and 401K Roth. I'm still digesting Wikis on these things. I hope sometime soon I'll understand why "401k Roth" and "after tax option" are not the same. In my current imperfect understanding the 401K Roth is...

Sagefemme

Thank you Chip! I appreciate your thoughts. To be honest I knew when I was writing this post that I needed to be refiguring percentages of funds across all accounts. But it was getting very late last night, and I couldn't figure out how to save the entire draft of the post (when I said "save" it sai...

Sagefemme

I've been posting on random subjects but finally got to putting this "big picture" together this evening. My husband and I have not looked at our retirement accounts together, ever, so there is some shifting around we should likely do to get optimal allocation across all accounts. The taxable accoun...

Sagefemme

Earl--this is what I'm trying to figure out--whether I should contribute to Roth 401k. Seems like one way to end up with a Roth IRA eventually; if I understand correctly funds in Roth 401k can be converted into a Roth IRA at some point. My state income tax is 9%. Federal 28% for 2017 which I guess i...

Sagefemme

I'm jealous of anyone who needs waking up at 7 am. I have not set an alarm for years, because by 6 am every day I am fully awake. I'd love to be sleeping still at 7 am but in never happens, no matter what time I go to bed.

Sagefemme

I have used Schwab for years for both investing and banking. I always opt for electronic everything/paper nothing and never get a single piece of mail from them. They love to save paper and postage. It's hard to imagine Schwab ever doing anything to verify where your actual corpus is in the world. T...

Sagefemme

Thank you all for helpful replies. I did a bit of arithmetic and found the company match (just going by my Fidelity statements and dividing the employer match for all of 2016 and 2017 by my salary) is 6%. I'll verify that with the plan administrator. I have been at this company (company A) twice, 19...

Sagefemme

I'm embarrassed to admit that I'm closely reading the Summary Plan Description for my employer's 401k plan for the first time. I've only been employed there since 1996 :? :? ........ I'm finding it a bit confusing. It is titled Summary Plan Description for XYZ Company, PC, Section 401k Profit Sharin...

Sagefemme

Averse. But knowing there is a similar, slightly different word, is 90% of the battle

I'm an editor at heart, can't help it. Showing my age, I think.

Sagefemme

I think with the statement "that week is hell," you have already answered your own question. Maybe, if you could split your call time with someone else (one week every 4 months), it would become more tolerable. But if your week still felt like hell when taken every 4 months, sounds like an overall l...

Sagefemme

I have ruminated quite a bit on the same idea as RRAAYY3, i.e., why not make real estate investments in addition to being invested in the stock market?? It makes so much sense in some ways. However, after spending a fair amount of time on the website/forum that Archimedes mentions, Bigger Pockets, I...

Sagefemme

I'm curious, what type of generosity are you talking about that you have shown to others? Might you have offended someone with that generosity?

Sagefemme

I had no idea my Outback is supposed to have uncomfortable seats!! I never noticed it. When we bought this car we asked our trusted mechanic about the vehicles we were considering--a Volvo wagon of some sort (I forget the model), Volkswagon Jetta, or the Outback. He said if you want to see a lot of ...

Sagefemme

Sur la Table is having a cookware sale now and is a good retailer for Demeyer (should have whatever you are wanting). I never buy sets of cookware--inevitably a few pieces get used constantly and others almost never.

Sagefemme

I think kettlebells are great, and do work the whole body especially the core when swinging a heavy bell. But I learned proper technique in a class with instruction. Most people are not swinging it correctly at all when then first pick one up. It would be easy not to get much out of it (at best) or ...

Sagefemme

I have no HSA.

Now I finally have actual data: Looking at my W2, Box 12 says D--17,568.84. On my husband's W2 box 12 says E--24,000. So I guess he has contributed the max, and I have not. Who is supposed to make my contributions come out to a round $18,000? Probably me and I failed!

Sagefemme

I thought $18,500 WAS the max for the 401K.

Sagefemme

See, I knew I knew nothing about this. Thank goodness for y'all.

dknightd, no we have not maxed out, we have contributed 18,500 each in deferrals. Are you saying the $6500 goes into 401K? Now I'm really confused.

Sagefemme

I am clueless about how to do this. My husband and I contribute the max of our annual incomes to our respective employer-sponsored 401k accounts. We have never made catch-up IRA contributions but I think it's a good idea for 2017. We are both 57. I have a rollover IRA already at Charles Schwab. Do I...

Sagefemme

I am trying to help my two kids (22 and 24) to open Roth IRAs this year. We are partway through the process at Charles Schwab. I have a portfolio there and have always been impressed with the customer service. However the setting up phase is a bit nightmarish--it seems they don't want you to have a ...

Sagefemme

Yes livesoft, I will wait and see what happens. My funds are at Schwab too; with luck they will continue to reinvest dividends as the FA had been doing.

Sagefemme

pascalwager, I interpreted what Rick Ferri wrote to mean I can't reivest dividends. Sounds like you are able to reinvest dividends. Mine is a taxable account. May I ask where your accounts are housed?

Sagefemme

After an initial shiver of fear when I read the first batch of responses (don't rush, take your time, maybe it's best to stay with FA, etc) I decided not to retract my email to the FA that said "I'm going solo." They have confirmed that they are simply removing themselves from the management positio...

Sagefemme

A few other thoughts: 123, yes thank you for the advice about the value of the portfolio on the day my mom died. I do have that number as I needed it for the estate tax return. mhadden1, I dearly wish I knew what alpha mojo is. Alas, I am old and out of touch. I think it must be good, though :happy ...

Sagefemme

Thanks to ALL of you who replied. I'm amazed and impressed by the collective knowledge on this forum. I didn't expect anyone to say anything other than "dump the FA." I was so sure that 1% fees was a deal breaker, and I needed to get free, that I already initiated the process! Here is the email I go...

Sagefemme

My first post! I am finally extricating myself from the fees of financial management. I know it's the right thing to do. The portfolio in question is at Schwab and I inherited it from my mom when she died in 2015. The FA is the firm she and my dad used forever, in the town where I grew up. My mom th...

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