Search found 136 matches

by Mjar
Mon Dec 03, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 2138

Re: United HealthCare

Thank you everyone for the feedback!
by Mjar
Fri Nov 30, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 2138

United HealthCare

Does anyone have any feedback on United HealthCare as a medical health provider? I am looking at a potential job and they offer UHC as the provider. I have BCBS right now and happy with them overall no real complaints. I have had Aetna in the past and I did not like them for how they were billing me...
by Mjar
Fri Nov 30, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 3002

Re: Remodeling - tipping?

Hi All, We are in the final week or so of a major remodel (kitchen, dining room, living room, repainting 50% of inside of house etc), which involved designer, GC (who did most general work personally), electrician, plumber, painter, and a host of other specialists. Are we expected to tip? The whole...
by Mjar
Thu Sep 27, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

.............................................. If I have 0 income (living off savings) at the first year of the conversion of 40k then I will pay taxes at ordinary on the 40k of $1600 (40k minus 24k std ded = 16k AGI) with the current progressive tax brackets then 5 years later the 40k comes out ta...
by Mjar
Wed Sep 26, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

................................................ So, let's say you have $200k in your tIRA. All of it is taxable on withdrawal, since you do not have any non-deductible contributions. So, lets say you convert $40k each of the first 5 years. In each year you would have $40k of ordinary taxable incom...
by Mjar
Wed Sep 26, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

................................................ So, let's say you have $200k in your tIRA. All of it is taxable on withdrawal, since you do not have any non-deductible contributions. So, lets say you convert $40k each of the first 5 years. In each year you would have $40k of ordinary taxable incom...
by Mjar
Wed Sep 26, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

For the money that is in your tIRA (or 401k before that), it makes no difference whether that is contributions or earnings. ALL of it will be considered taxable income when withdrawn from the tIRA. It does not matter if you convert it to Roth IRA or spend it, ALL of it is still taxed as ordinary in...
by Mjar
Wed Sep 26, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

There are a couple of misconceptions here, and some of the answers,,io don't think addressed what you are asking. I hope I am understanding your question correctly. You are considering the situation where one is retired, has rolled over their 401k to a Traditional IRA. I also see that there were no...
by Mjar
Wed Sep 26, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

David Jay wrote:
Wed Sep 26, 2018 3:08 pm
Mjar wrote:
Wed Sep 26, 2018 3:05 pm
My assumption was no longer employed when 50yo and the 401k would have been rolled to a traditional IRA then from there the Roth IRA Ladder would be started
Are the 401K funds pre-tax (standard 401K) or post tax (Roth 401K)?
Pre tax (std 401k)
by Mjar
Wed Sep 26, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

In your analysis I think you are failing to distinguish between the conversion amount and the earnings. The following might be helpful. I highlighted the line in question: Re: Roth IRA Rules - Table Approach Posted by: KAWill (IP Logged) Date: October 14, 2010 11:57PM UNDER AGE 59.5 FIVE YEAR CONVE...
by Mjar
Wed Sep 26, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Re: Roth IRA Conversion Ladder before 59.5

...a Roth IRA conversion from my 401k... There are a bunch of issues here, but let's just focus on this one: 1. In general, you are not allowed to roll over standard (pre-tax) 401K funds or Roth 401K funds prior to 59.5 if you are still employed by the company. This is called an "in-service" distri...
by Mjar
Wed Sep 26, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Conversion Ladder before 59.5
Replies: 25
Views: 1977

Roth IRA Conversion Ladder before 59.5

Can someone help me on Roth IRA Conversion ladder those of you who are doing it currently? My understanding from various blogs/podcasts that I can start a Roth IRA conversion from my 401k and let it "mature" for 5 years before I can take it out penalty and tax free. I would do a conversion for X amo...
by Mjar
Tue Sep 18, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3341

Re: HOA Donation in Remembrance of Deceased Owner

How common is it across the United States for HOA's (Homeowner Associations) to use association funds to donate to a charity or to buy flowers for the family in memory of a recently deceased owner/member of the HOA? I don't think this is a proper use of HOA funds as not every single member benefits...
by Mjar
Tue Sep 18, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 2066

Re: Concrete company refusing to lower bill

No written quote. I did not send written quote by mail or email. This was a verbal agreement? Sales manager says its my fault that wrong was brought and it is my word against his? You're off the hook. Good work not signing the ticket! I agree you are off the hook, given there is not written documen...
by Mjar
Tue Sep 18, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 2066

Re: Concrete company refusing to lower bill

I have a legal question for BH's. I am currently building a house and have used a specific mix of concrete (1/2" gravel with 2" line pump 4000 PSI with Fiber) on my basement footers and walls. Recently, I was planning on pouring the basement slab and ordered the concrete as "exactly as what I used ...
by Mjar
Tue Sep 18, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2522

Re: Need help in solving Tenant landlord issue

I moved out in end of June 2018. The issue about security deposit and repairs has been going on since then. I think my landlord has been acting unreasonably and trying to extract more money out of me knowing that I am a high earner and busy person. Is there any good forum where a tenant can discuss...
by Mjar
Mon Sep 17, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1333

Re: How to tell when a Mango is ripe?

I bought a Mango last Monday and it was hard as a rock. Today it is a bit softer when I press on it but how soft should it feel to be fully ripe? I want to use it for a hot sauce I am going to make and don't want to cut it until it is ripe and flavorful. I know how to tell on a peach, I seldom buy ...
by Mjar
Thu Sep 13, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 2031

Re: 1 year old birthday

If no family in the area, a 1 year old party consists of making a cake, covering it with frosting and then letting the child attempt to eat it while being filmed. The funny video is then put on Facebook and Instagram and Twitter for all interested parties to view. :wink: A 1 year old has no idea th...
by Mjar
Thu Sep 13, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3611

Re: How to help teenager fix silly mistakes in math?

an unusual topic for this esteemed forum but hoping to get some advice on how to support and help my teenager improve math skills. She continues to make silly mistakes like missing the "-" sign, occasionally copy original questions incorrectly, skipping a question in test etc. I tell her to review ...
by Mjar
Thu Sep 13, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 11028

Re: Massive Student Loan Debt - Fiancee

Mon September 11, 2018 9:10 a.m. "I am frustrated by my fiancee's lack of understanding when it comes to numbers in general. She receives a surplus of money from her grad loans after accounting for her expenses and she then puts it in her bank account and thinks she's saving (7% compared to .01%). ...
by Mjar
Thu Sep 13, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4689

Re: I need a chainsaw to trim branches and limbs!!

Hire someone who: 1. Has the right equipment 2. Knows what he/she is doing I agree with dm200. But if you are hell bent on doing this yourself and want to go all Tim Allen then rent one to see if its something you want to invest in. Not sure how many trees you have that you need to purchase one vs ...
by Mjar
Tue Sep 11, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4289

Re: How often do you guys get alignment done on your cars?

I had mine done after I replaced the front struts. I did a basic rollout test and adjustment on my own, then had a shop do a proper alignment. I didn't notice any pull while driving to the shop, although that's only a partial indicator. Other than that, I habitually pay attention to how my car is t...
by Mjar
Tue Sep 11, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1562

Re: Avoiding creeping complexity

There are many reasons to believe that simplicity is an investor's friend, but my favorites are: What do you do to stop complexity from creeping into your portfolio? Or don't you care? If you stick a formula that you know works for you then I wouldn't worry about. My formula has in there as a part ...
by Mjar
Tue Sep 11, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1562

Re: Avoiding creeping complexity

There are many reasons to believe that simplicity is an investor's friend, but my favorites are: What do you do to stop complexity from creeping into your portfolio? Or don't you care? If you stick a formula that you know works for you then I wouldn't worry about. My formula has in there as a part ...
by Mjar
Tue Sep 11, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4289

Re: How often do you guys get alignment done on your cars?

Just wondering how often Bogleheads get alignment done on their cars routinely if you have no drifting or uneven tire wearing etc. Thanks Tommy Firestone has lifetime alignment every 6k miles as long as you own that car for $200 assuming you have one near you. I have been told when you rotate your ...
by Mjar
Mon Sep 10, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13049

Re: Excessive Emergency Room Charges - Options?

I went to an ER facility at a local hospital last month and they sent me a bill to pay $900+ in addition to my co-pay of $300 that I paid during the visit(all this for an ultrasound ($900+ for ultrasound alone), X-ray and an NSAID tablet after my insurance company paid them around $588) I called th...
by Mjar
Mon Sep 10, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 10435

Re: Amazon Prime - Value?

A decreasing number of my Amazon shipments arrive in 2 days - and this is not due to the shippers. Upon clicking to pay, I see now most items estimated to arrive in up to 5 days. I tried to ask why using Chat or Phone, but the reps don't seem to have an answer. They appear to be reading from a scri...
by Mjar
Mon Sep 10, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 9538

Re: Can Sneakers go with Business Casual?

Hi, Would sneakers be accepted to go with business casual in office environment (to meet clients/customers, etc)? Or would it be faux pas? edit: Most people have given the answer NO. Now I'm looking for an explanation of the implication/consequence or possible outcomes if someone does so? By sneake...
by Mjar
Mon Sep 10, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9931

Re: Bored

Since I started taking personal finance seriously, I have increased my savings rate from 5% to about 20%, set up almost all my bills with auto-pay and moved my funds to a high-interest online bank, started maxing my 401k instead of just getting the match, re-balanced my 401k from crappy funds into ...
by Mjar
Mon Sep 10, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5972

Re: Low pay and low stress jobs with health benefit

I have been unhappy about my current job for a long time. I used to enjoy it until I had my current boss. Based on the retirement calculator, we should be able to retire now. However, like many people mentioned here, health insurance is a fear factor and we still have many years to go before we are...
by Mjar
Mon Sep 10, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10744

Re: Anyone else not save for cars?

I have a 10 year old Hyundai Elantra with 150k miles that is still going strong and in good condition for its age. However, I realize that I will probably need to buy a new car in the next few years. I often see people talk about saving for new cars so that no loan is required; however, I'm not sur...
by Mjar
Mon Sep 10, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase PITI % for high income earners
Replies: 16
Views: 1311

Re: Home purchase PITI % for high income earners

DW and I are considering purchasing a new house. My question revolves around PITI (Principal,Interest,Taxes,Insurance) guidelines for purchases. Many things I read suggest keeping PITI to < 28%. Or 28% PITI and up to 36% for total debt. Regardless of the exact numbers, do people adjust down PITI as...
by Mjar
Wed Sep 05, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2406

Re: First Time Poster: Are Rental Properties Worthwhile?

I have been investing with Vanguard for a decade now, but I am brand new to this forum and still finding my way around… I am looking for advice, wisdom, and different opinions from fiscally minded individuals, as I do not have many people with whom to brainstorm. I am active duty military and since...
by Mjar
Wed Sep 05, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1866

Re: How to tell which vent is dryer vent?

Weird question that I'm a bit embarrassed I haven't figured out on my own. My house has three external vents in the outside walls that all look like dryer vents (they all look roughly like this: https://www.walmart.com/ip/No-Pest-J-Block-Dryer-Vent-Hood/38473347?wmlspartner=wlpa&selectedSellerId=11...
by Mjar
Tue Sep 04, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4230

Re: Neighbor Fencing question

Hi, I have a neighbor on my backside of my yard whom I never see but we just share the fence. He has a tree whose branches have pushed the fence and one side of the fence is now leaning towards our side. This week he came to ask to share the cost of fencing. I didn't say no and said first let me kn...
by Mjar
Tue Sep 04, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 5129

Re: How much do you spend on kids extracurriculars?

We just did the schedule for the fall, and I feel we have gone off the deep end. Estimated on annual basis, and including summer sports and activities, we seem to be spending ~$1100 per month, or on average $550 per kid. Our biggest spend bucket. Is this as off the charts as I think it is? I am sur...
by Mjar
Thu Aug 30, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 28
Views: 2563

Re: Gurgling noise from sink

In researching this, I've seen various explanations and remedies but am still not sure about my particular situation so I will outline it here and would appreciate any suggestions. Several seconds after emptying our upstairs bathroom sink, there is a slight gurgling noise and I can feel a slight vi...
by Mjar
Wed Aug 29, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4433

Re: Bone in my food

I ordered take out from Chipotle on Friday, just got around to eating it last night. Took a bite and had to spit it out. I take a look at it and there is a chicken bone attached to the piece of chicken meat. Bone is about an inch or slightly longer. I kept it and contacted their customer service. D...
by Mjar
Tue Aug 28, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7808

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

This query is as much about ethics as it is about finance. My late mother left some money that I hold for my sister in the event she ever has a personal need for it (health care, personal care, etc.). Had my sister received the money directly, her now-deceased husband would have grabbed it and used...
by Mjar
Tue Aug 28, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 3234

Re: Minivan for family of 4.

The Pacifia Hybrid has a reputation of not being a good lease, seems it makes more sense to purchase. You can check here for some discussion: https://forum.leasehackr.com/t/chrysler-pacifica-hybrid-2018/47976 and because it is a Chrysler. Honda Odyssey, Pilot or Toyota Sienna, Highlander is what I ...
by Mjar
Tue Aug 28, 2018 2:17 pm
Forum: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 29807

Re: What to do after losing $117k in stock market?

Yes, I feel like the biggest idiot especially in this bull market. I only started investing 3 years ago and got involved in high risk stocks (oil and biotech). Made some really bad picks and took a massive lost. I try to ignore thinking about how much I've lost because I feel ashamed and embarrasse...
by Mjar
Mon Aug 27, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 166988

Re: Boglehead Beer

Modelo, Stella, Hofbrau
by Mjar
Mon Aug 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 23130

Re: Did you celebrate when you finally hit $1m?

Did you celebrate your first $1m and if so, how? I'm getting close, excluding some big crash or unexpected emergency, I'm predicting about 1 year give or take 6 months. It reminds me of looking at the clock near the end of class. The first portion seems to have went by quickly, and now at the very ...
by Mjar
Mon Aug 27, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: business acct Xfers to Personal Acct
Replies: 9
Views: 541

Re: business acct Xfers to Personal Acct

That kind of activity probably makes it a little easier to pierce the corporate veil. A couple of things that may be worth considering: - Since you are set up to do payroll, you could pay out some bonuses. - If you think her business will continue to be more profitable, an invidual 401k can be VERY...
by Mjar
Mon Aug 27, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: business acct Xfers to Personal Acct
Replies: 9
Views: 541

Re: business acct Xfers to Personal Acct

That kind of activity probably makes it a little easier to pierce the corporate veil. A couple of things that may be worth considering: - Since you are set up to do payroll, you could pay out some bonuses. - If you think her business will continue to be more profitable, an invidual 401k can be VERY...
by Mjar
Mon Aug 27, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: business acct Xfers to Personal Acct
Replies: 9
Views: 541

Re: business acct Xfers to Personal Acct

That kind of activity probably makes it a little easier to pierce the corporate veil. A couple of things that may be worth considering: - Since you are set up to do payroll, you could pay out some bonuses. - If you think her business will continue to be more profitable, an invidual 401k can be VERY...
by Mjar
Mon Aug 27, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 6070

Re: Planning for an Indian wedding In NY/ NH area.

My fiance and I are planning to get married in next year in NY/ NH area. I am pretty decent with finances and my fiance is getting better at it. Finally, she is out of debt and we are in a decent place with our finances. I am not sure how it works with her close family, but they go all in on weddin...
by Mjar
Mon Aug 27, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: business acct Xfers to Personal Acct
Replies: 9
Views: 541

Re: business acct Xfers to Personal Acct

riverguy wrote:
Fri Aug 24, 2018 5:11 pm
Mjar wrote:
Fri Aug 24, 2018 2:24 pm
Or am I being too paranoid?
Yep
lol...ok thanks for the straight talk.
by Mjar
Fri Aug 24, 2018 4:41 pm
Forum: Personal Investments
Topic: "Simple" question about compounding
Replies: 28
Views: 3221

Re: "Simple" question about compounding

no it changes how you see it on your "performance" section of your portfolio. If put in 100k in an index fund and it grow to 110 by year end. your performance is 10%, total growth is 10% over principal next year your base is 110k, same growth now you have 121k, total growth is 21% over principal on ...
by Mjar
Fri Aug 24, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Question About Health Savings Account
Replies: 5
Views: 663

Re: Question About Health Savings Account

Hi there-- I'm wondering if the good folks of Bogleheads have ways of thinking about whether or not going with a high deductible plan makes financial sense. I am a generally healthy, single, young adult with predictable medical expenses in the realm of $5,000/year. Premiums for the high deductible ...