Search found 984 matches

by southerndoc
Sun Jul 14, 2019 2:34 am
Forum: Personal Investments
Topic: Setting up for back door Roth. Need to close Sep IRA, rollover, or sell?
Replies: 7
Views: 542

Re: Setting up for back door Roth. Need to close Sep IRA, rollover, or sell?

I also would roll to a Roth. You can't have a Solo 401(k) in the same year as a SEP (barring some exceptions). So if you've made contributions to the SEP, I don't believe you can open the Solo 401(k) this year. I know you can't have both plans active at the same time. Spirit Rider is the forum exper...
by southerndoc
Sat Jul 13, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1419

Re: Standard Car Key Battery Life for Late Model Vehicles

I replace mine every 3 years whether they need replacing or not.
by southerndoc
Sat Jul 13, 2019 9:19 pm
Forum: Personal Investments
Topic: Two-Fund Portfolio?
Replies: 3
Views: 480

Re: Two-Fund Portfolio?

How old are you and what is your risk tolerance? My risk tolerance is very high. Therefore, I don't own any bonds (except in my Roth IRA). In my Solo 401(k), I have 60% VTSAX and 40% VFWAX. My Roth IRA has 100% VFIFX Target Retirement 2050 fund and is on a glide path for bonds (currently 10.6%). I'm...
by southerndoc
Fri Jul 12, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 85
Views: 3727

Re: Legislation known as Secure Act could impact inherited IRAs

No worries. We all make mistakes on here. :)
by southerndoc
Tue Jul 02, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: "Converting Vanguard Mutual Funds To ETFs"
Replies: 22
Views: 2242

Re: "Converting Vanguard Mutual Funds To ETFs"

I wonder when Vanguard will start offering target retirement fund ETF's?
by southerndoc
Tue Jul 02, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Freedom Index Funds - expense ratio cut
Replies: 19
Views: 2469

Re: Fidelity Freedom Index Funds - expense ratio cut

Happy to see this since my HSA funds are invested in FIPFX. Awaiting Vanguard to follow...
by southerndoc
Tue Jul 02, 2019 7:18 pm
Forum: Personal Investments
Topic: Solo 401K to Rollover IRA?
Replies: 11
Views: 614

Re: Solo 401K to Rollover IRA?

For my own summary of the thread: I'm currently 46. If I work past 70.5 (or later if legislation changes the RMD), it would benefit me to rollover the balance of my Solo 401(k) to an IRA to simplify RMD's but still keep the Solo 401(k) plan open for possible future contributions? I have both a tradi...
by southerndoc
Tue Jul 02, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1610

Re: Prescription drugs - how to determine country of origin?

I didn't realize country of origin is on the stock bottle. I receive some stock bottles for my 90-day supplies. It lists the manufacturer, but not the country of origin.

I think the vast majority are made in China, India, and Mexico if I'm not mistaken.
by southerndoc
Tue Jul 02, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 7580

Re: Big Hospital Bill - Anyway to negociate ?

You can always call and ask. The worst they can say is no adjustment.

Sorry the bill was so high. Hope everything is ok.
by southerndoc
Mon Jul 01, 2019 11:33 pm
Forum: Personal Investments
Topic: Emergency fund at Vanguard
Replies: 15
Views: 2204

Re: Emergency fund at Vanguard

This is why I keep my emergency fund at Fidelity in a cash management account. Although the 7-day yield is slightly lower, I keep the money in SPRXX. I have a debit card and checkbook that I can use. Fidelity will automatically sell SPRXX to cover expenses. I've been thinking of increasing my emerge...
by southerndoc
Mon Jul 01, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

If the assistant participated in her surgery, then his/her name should have been on the consent unless he/she was urgently consulted due to something that was found in the OR. Without the name being on the consent, I would say that he/she wasn't authorized to be in the OR and shouldn't be authorize...
by southerndoc
Mon Jul 01, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

If the surgeon anticipated needing an assistant (most likely another surgeon; usually a PA would not bill separately and would be employed by the surgeon), then he/she should have been listed on the consent. There are exceptions to this. For example, if an OB/GYN was performing a hysterectomy and ac...
by southerndoc
Mon Jul 01, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

When we consent patients for minor procedures in the ER (lumbar puncture, fracture reduction, etc.), I have to list the names of any residents involved. We have a line for primary provider an an additional line for additional providers involved.
by southerndoc
Mon Jul 01, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

If the assistant participated in her surgery, then his/her name should have been on the consent unless he/she was urgently consulted due to something that was found in the OR. Without the name being on the consent, I would say that he/she wasn't authorized to be in the OR and shouldn't be authorized...
by southerndoc
Mon Jul 01, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Freedom Index Funds Increase International Exposure
Replies: 15
Views: 1421

Re: Fidelity Freedom Index Funds Increase International Exposure

How does this work? Do they sell domestic stock to buy more international? If so, I'm assuming that triggers capital gains taxes in traditional investment accounts.
by southerndoc
Sat Jun 29, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 8329

Re: Vanguard Advertising Mutual Fund to ETF Conversion

I see two problems with ETF's in retirement accounts when mutual funds are available: 1. Reinvesting your dividends becomes more tricky. Correct me if I'm wrong, but you can't purchase partial shares of ETF's like you can mutual funds. So you won't be able to as readily reinvest your dividends. 2. ...
by southerndoc
Sat Jun 29, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 8329

Re: Vanguard Advertising Mutual Fund to ETF Conversion

2. ETF's are subject to market prices. The ETF may differ significantly from its NAV if I'm not mistaken. Having actually struck a fund’s NAV I can tell you that you have it flipped. A ETF’s market price is almost always mote reflective of the market than the accountant’s estimation of the market p...
by southerndoc
Sat Jun 29, 2019 2:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 8329

Re: Vanguard Advertising Mutual Fund to ETF Conversion

I see two problems with ETF's in retirement accounts when mutual funds are available: 1. Reinvesting your dividends becomes more tricky. Correct me if I'm wrong, but you can't purchase partial shares of ETF's like you can mutual funds. So you won't be able to as readily reinvest your dividends. 2. E...
by southerndoc
Wed Jun 26, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 8329

Re: Vanguard Advertising Mutual Fund to ETF Conversion

Unfortunately, this isn't an option in their Individual 401(k) accounts.
by southerndoc
Wed Jun 26, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8146

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

I'll offer a (slightly) contrarian point. While I don't think this is good advice in general, and certainly not for the Boglehead agonizing over their 3.49% mortgage, it actually could be a consideration for people with very high interest debt that will be paid off over years. Considering Dave Rams...
by southerndoc
Tue Jun 25, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 8410

Re: hybrid or plug-in electric car

Anyone have any experience with the Kia Optima Plug-in Hybrid?
by southerndoc
Mon Jun 24, 2019 12:38 am
Forum: Personal Investments
Topic: Emergency Fund AA
Replies: 18
Views: 1422

Re: Emergency Fund AA

Your plan is fine. But two layers (i.e, checking and Vanguard MMF like VMMXX or VUSXX, if high tax state) would be simpler and have an insignificant effect on interest income. What is the Fidelity equivalent of VUSXX? My emergency fund is there. Curious what the Fidelity equivalent returns would be.
by southerndoc
Mon Jun 24, 2019 12:36 am
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 22
Views: 2214

Re: For the wiki: HSA as an emergency fund

The problem with using an HSA as an emergency fund is the time it takes to sell stocks/funds in the HSA, allow time to settle, then transfer money to your checking account. The entire process may take 2-3 weeks depending on your custodian. Most (all?) HSA's have a debit card to pay medical expenses...
by southerndoc
Sun Jun 23, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 22
Views: 2214

Re: For the wiki: HSA as an emergency fund

The problem with using an HSA as an emergency fund is the time it takes to sell stocks/funds in the HSA, allow time to settle, then transfer money to your checking account. The entire process may take 2-3 weeks depending on your custodian.
by southerndoc
Sun Jun 23, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2691

Re: Experience with Synchrony savings accounts?

I see where you were going with this. VUSXX 7-day yield is 2.34%. VMFXX 7-day yield is 2.3%. Georgia state tax is 6% at my income level. VUSXX 7-day yield with tax-free status is 2.489%. Definitely more than what I would earn at Synchrony or Ally. The $50,000 minimum makes this unobtainable for a lo...
by southerndoc
Sat Jun 22, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2691

Re: Experience with Synchrony savings accounts?

I currently have my emergency fund in a Fidelity CMA account invested in SPRXX. Maybe I should move some of it to Ally or Synchrony. Vanguard money market funds with US Treasury obligations are worth considering (VUSXX and VMFXX). The Schwab and Fidelity funds aren't as good. Better tax treatment t...
by southerndoc
Fri Jun 21, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Solo 401(k) Contributions Are Fast!
Replies: 2
Views: 452

Re: Vanguard Solo 401(k) Contributions Are Fast!

I opened my account with VTSAX. I was able to exchange some for VFWAX. Now both show up as investment options when I make contributions.

So yes, you can do it from the personal site.
by southerndoc
Fri Jun 21, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2691

Re: Experience with Synchrony savings accounts?

I've not established an online savings account. I had one with ING Direct, but canceled it many years ago.

I currently have my emergency fund in a Fidelity CMA account invested in SPRXX. Maybe I should move some of it to Ally or Synchrony.
by southerndoc
Thu Jun 20, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: 5 year rule roth
Replies: 7
Views: 902

Re: 5 year rule roth

It's not really 5 years. In other words, you don't have to wait 12/31/2000-12/31/2005 before you can take out your money. 12/31/2000-01/01/2004 is a five-year period according to the IRS (the year establish/converted and the year withdrawn count as a full year in the eyes of the IRS).
by southerndoc
Thu Jun 20, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: SoClean for Cpap machine
Replies: 10
Views: 954

Re: SoClean for Cpap machine

A solution without a problem. There are no known cases of infections sourced from the cpap. (https://www.verywellhealth.com/can-cpap-make-me-sick-3015030). The machine does not clean makeup or skin oil off of the mask, which would prevent a good seal. So you still need to hand wash the mask. There ...
by southerndoc
Wed Jun 19, 2019 10:28 pm
Forum: US Chapters
Topic: Randomly Met Another Boglehead In Person
Replies: 7
Views: 1837

Re: Randomly Met Another Boglehead In Person

One of our techs in the ER where I work saw me surfing the Bogleheads forum. Turns out he's a Boglehead who in his early 20's started investing in a Roth IRA. Made me envious. I wish I had done that instead of waiting until after medical school!
by southerndoc
Wed Jun 19, 2019 10:31 am
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 9
Views: 2380

Re: Fidelity ZERO Total Market Index closed to new investors?

Before I transferred my Solo 401(k) to Vanguard, I tried investing in the ZERO funds at Fidelity. Unfortunately, these funds are not available to Solo 401(k) clients and likely won't be in the near future according to one of their small business retirement specialists.
by southerndoc
Mon Jun 17, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 23
Views: 1865

Re: Health insurance cost containment company

You need to fill out the form. It's a normal subrogation form. The insurance company wants to go after someone else to refund them the money that they paid. They only want to pay if you caused the injury yourself. My wife once dropped a bottle of sparking wine on the driveway, it broke, exploded an...
by southerndoc
Mon Jun 17, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 23
Views: 1865

Re: Health insurance cost containment company

Are you/have you received reimbursement from somebody else who caused the accident? What is the background behind declining to provide the requested information? No, I fell off the bicycle by myself. There is no one else responsible. I did not receive extra reimbursement from anyone else who is res...
by southerndoc
Mon Jun 17, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: Do VG reps/execs read this website for improvement suggestions?
Replies: 9
Views: 1000

Re: Do VG reps/execs read this website for improvement suggestions?

Nobody knows for sure, but I imagine there are a lot of Vanguard employees who read the board for their own reasons. While it might seem simple to just change the design of a website, it can have major consequences if something goes wrong. What happens if something isn't coded correctly and the sale...
by southerndoc
Sat Jun 15, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4896

Re: Anyone buy Security Cams from Costco?

I've been happy using my Synology NAS as an NVR with POE cameras. Which PoE cameras are you using outside? https://www.amazon.com/gp/product/B00VGTRQO2/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 I purchased it in 2016 and am happy. Synology software includes a license for one or two cameras. A...
by southerndoc
Sat Jun 15, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4896

Re: Anyone buy Security Cams from Costco?

GuyInFL wrote:
Fri Jun 14, 2019 11:58 pm
I've been happy using my Synology NAS as an NVR with POE cameras.
Which PoE cameras are you using outside?
by southerndoc
Fri Jun 14, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Solo 401(k) Contributions Are Fast!
Replies: 2
Views: 452

Vanguard Solo 401(k) Contributions Are Fast!

Just wanted to say that for anyone who is in the market for a Solo 401(k) or SEP, Vanguard's online ACH contributions are processed very fast. I made my employee/employer contributions 6/15 at 2 am. I thought it wouldn't settle until next week sometime. When I logged in, my funds were already invest...
by southerndoc
Thu Jun 13, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1266

Re: Nest Smoke/CO Detectors

I've never heard of that, and I'm not sure if they would ever know you had a mixture. I placed regular smoke detectors on 3, heat detector in garage, and the others were Nest. I had to cap the interconnect wires for the Nests. They use wireless interconnect (not WiFi dependent, so will still work if...
by southerndoc
Thu Jun 13, 2019 4:00 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92495

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I just transferred my Lively HSA to Fidelity. Does anyone know if the HSA statement will consolidate with my main Fidelity statement that has all of my other accounts? It did not last month, but I'm not sure if it because it's a new account or was unfunded at the time the statement cut. It's been s...
by southerndoc
Wed Jun 12, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Finishes Rules Ending State Tax-Cap Workarounds
Replies: 6
Views: 1169

Treasury Finishes Rules Ending State Tax-Cap Workarounds

https://www.wsj.com/articles/treasury-finishes-rules-ending-blue-state-tax-cap-workarounds-11560284101 Unfortunately that requires a subscription, but in essence: Treasury ends the tax deduction workaround for using tax credits to donate to private schools, hospitals, etc. I used Georgia's GOAL prog...
by southerndoc
Tue Jun 11, 2019 3:05 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month" [Vanguard]
Replies: 9
Views: 1566

Re: "Find out if your fund is declaring a dividend this month" [Vanguard]

I'm guessing this only applies in a taxable account. All of my Vanguard funds are in IRA's and my Solo 401(k). A fraction might get kicked back out, but you're ultimately reinvested and end up with more shares than what you purchased, correct? I'm trying to figure out if there is a reason to wait un...
by southerndoc
Mon Jun 10, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3200

Re: Good Rx

I have a high-deductible ($10,000) plan. You are correct in GoodRx being cheaper than most insurance discounts. I order most of my prescriptions from ExpressScripts as it's cheaper with the 90-day supply, but there are a few that are cheaper getting a 90-day supply locally with the GoodRx discount.
by southerndoc
Mon Jun 10, 2019 9:38 am
Forum: Personal Investments
Topic: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)
Replies: 8
Views: 764

Re: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)

VFWAX is also an option (All-world ex-US FTSE Index). It has 22% EM, 42% Europe, 29% Pacific, 9% North America. Compare that to VTIAX, which has the same except 6.7% North America. Both have ER's of 0.11%.
by southerndoc
Mon Jun 10, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9423

Re: Do you carry Umbrella Insurance?

Social media insurance FTW. You think I'm joking, but it actually exists.
by southerndoc
Mon Jun 10, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 76
Views: 49513

Re: Is a security freeze at Innovis really needed?

I had never heard of Innovis or ChexSystems. Thanks to everyone for their comments in the thread. Are there any other minor entities that I can freeze? I'm still confused by Equifax's security lock vs freeze. From what I can gather, you can unlock your credit lock with the mobile app or using the we...
by southerndoc
Sun Jun 09, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1266

Re: Nest Smoke/CO Detectors

Does FirstAlert make a ROR detector that is compatible with other smoke detectors with the interconnect wire? I'm leaving the basement detector (near the furnace and two gas water heaters), one on the main floor, one in my daughter's playroom upstairs, and the garage as "original" detectors and not ...
by southerndoc
Sun Jun 09, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1266

Re: Nest Smoke/CO Detectors

Where I need to mount it in the bedroom isn't near a stud. I think these are less than 1 lb. I'm assuming a drywall anchor will hold this.
by southerndoc
Sun Jun 09, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1266

Re: Nest Smoke/CO Detectors

I was reading about heat detectors. Maybe that is what is installed in the garage, but it looks like a standard smoke detector like the rest of the house.

I wish I could've found one that had a 10-year battery! I think some states require them to have 10-year batteries.