Search found 506 matches

by Jablean
Fri Jun 05, 2020 2:41 pm
Forum: Personal Investments
Topic: Rationalizing a complex portfolio
Replies: 16
Views: 950

Re: Rationalizing a complex portfolio

Unless you plan on doing this math exercise into infinity I'd give her something that's visible, easy, and makes sense for someone who doesn't want to delve that deep and she could do each year on her own. List everything with expenses in descending order. If expenses are under 1% then ignore. List ...
by Jablean
Thu Jun 04, 2020 3:11 am
Forum: Investing - Theory, News & General
Topic: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey
Replies: 49
Views: 5432

Re: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey

I'm at 95% with a bit of panic selling here and there. Held ok thru the big 1000 point drops but dang so did some selling on days it edged up at least two days in a row. $5000 here, $2500 there maybe adding up to 10,000 a day once or twice a week. So I could feel like I was doing something but it wa...
by Jablean
Thu Jun 04, 2020 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Retirement plan closing - lump sum options
Replies: 3
Views: 681

Re: Retirement plan closing - lump sum options

Bringing up my old post with a continuing question - all this was almost pre pandemic and I've forgotten everything I knew. So I finally got my checks (a month later than promised) One check was made out to Fidelity with the new IRA I set up to receive it listed on the memo. So I took it down and de...
by Jablean
Mon Jun 01, 2020 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 315
Views: 22357

Re: Optimizing PPP Forgiveness

So what I'm seeing for self-employed.... They gave a loan of 2.5 months - ie 10 weeks of 2019 Sched C income but I can only claim 8/52 of that amount (8 weeks (2 months)) as payroll Since I'm self-employed there are no other expenses that aren't already accounted for as part of Schedule C so there i...
by Jablean
Wed Mar 04, 2020 7:47 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194713

Re: Coronavirus and the market

I trust the South Korea numbers much more than China's. I sure wish South Korea would start reporting accurate records on the number of recovered. To date they report 5621 cases, 35 deaths, and 41 recovered. So the case recovery ratio, recovered/(recovered + deaths), is 54% ? :oops: Recovery can ta...
by Jablean
Wed Mar 04, 2020 7:44 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194713

Re: Coronavirus and the market

I keep telling people I hope to get the virus early while we still have vents and ECMO available. :sharebeer Here is something to think about. What if you already had it a month ago and never knew it because you just had a runny nose and a sore throat? You didn't seek medical attention because it w...
by Jablean
Tue Mar 03, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Gardeners: Easiest treats to grow at home? [Pacific Northwest]
Replies: 17
Views: 1614

Re: Gardeners: Easiest treats to grow at home? [Pacific Northwest]

Potatoes - all types except sweet - my DH cooks breakfast most mornings (along with our fresh eggs) and I've learned how to store - with a little bit of dirt to moderate the moisture, for winter. Sweet Onions - store dry or clean and chop off ends then freeze for winter Raspberries, thornless - free...
by Jablean
Tue Mar 03, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: Question on New Fence Etiquette
Replies: 29
Views: 2934

Re: Question on New Fence Etiquette

Don't cement wooden posts & Just because you tell the fence "seller" one thing don't expect the actual installers to understand the little points you thought you made very clear. We've put several fences in on our lot. First one was to close off the non-fenced back along our ditch. Did 5 foot chainl...
by Jablean
Tue Mar 03, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should wife get LLC or sole proprietorship?
Replies: 7
Views: 465

Re: Should wife get LLC or sole proprietorship?

I'm not sure why you have to apply for a tax id. Probably depends on the state. In mine you don't and as long as my name is in the title of the company I don't have to register a DBA (doing business as) with the state either.
by Jablean
Fri Feb 28, 2020 8:15 am
Forum: Personal Investments
Topic: Recharacterized IRA (trad to Roth) and need help on tax return treatment!
Replies: 9
Views: 343

Re: Recharacterized IRA (trad to Roth) and need help on tax return treatment!

Turbo Tax is asking a question about recharacterizations this year so it should be able to handle it.
by Jablean
Wed Feb 26, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: delete please, problem solved
Replies: 26
Views: 1862

Re: car accident settlement without insurance company

I think if you've talked to him multiple times now and he hasn't come off crazy yet that you'll be fine.
by Jablean
Wed Feb 26, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1641
Views: 135846

Re: Coronavirus (Consumer Issues) How you are preparing?

I don't understand the panic peddling that is occurring. Common sense is more important than stocking up, which makes no sense whatsoever, especially regarding the masks. Wash your hands frequently, do not shake hands with others and cover your mouth when coughing. All basic stuff. And please, coug...
by Jablean
Tue Feb 25, 2020 4:19 pm
Forum: Personal Investments
Topic: College Fund Planning
Replies: 7
Views: 724

Re: College Fund Planning

Are the kids to know how much to spend? If not why not just treat it as one account? At first glance I'd designate the traditional for the older and the Roth for the younger kid. But I'd continue to contribute. Since the one kid has 5 years and the other has 10 years before college it's the 13 year...
by Jablean
Mon Feb 24, 2020 10:49 pm
Forum: Personal Investments
Topic: College Fund Planning
Replies: 7
Views: 724

Re: College Fund Planning

Any restrictions on whether you can contribute to Roth or traditional? Are you single or married? - at $350 a month if you are single, some of it would have to go to traditional Are the kids to know how much to spend? If not why not just treat it as one account? At first glance I'd designate the tra...
by Jablean
Mon Feb 24, 2020 7:59 pm
Forum: Personal Investments
Topic: lump sum pension question
Replies: 3
Views: 634

Re: lump sum pension question

The one I just completed from my former employer also had this (wonder if we worked for the same place that is cutting pension entirely and only allowing annuity or rollover) and I didn't realize that the non-taxed didn't match the $ I put in but now that you mention it the nontaxable was 1/5 to 1/3...
by Jablean
Sun Feb 23, 2020 1:12 pm
Forum: Personal Investments
Topic: Please help me manage ~5M portfolio
Replies: 27
Views: 3445

Re: Please help me manage ~5M portfolio

cash equivalent rough breakdown:
- 200K left aside for tax due in month of so.
What tax is this that you have so much set aside for?
by Jablean
Fri Feb 21, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14183

Re: Spreadsheets - Out of here!

Yes, I forgot the Lotus 123 era in which I was a full participant. From Visicalc through Lotus 123 to Excel, I'm approaching 30 years of spreadsheet use. And (I hope) 30 or more years yet to come. It's got to be closer to 40 years or at least 35. PC jrs were out in 86 and I was taking Lotus and Wor...
by Jablean
Thu Feb 20, 2020 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14183

Re: Spreadsheets - Out of here!

Yes, I forgot the Lotus 123 era in which I was a full participant. From Visicalc through Lotus 123 to Excel, I'm approaching 30 years of spreadsheet use. And (I hope) 30 or more years yet to come. It's got to be closer to 40 years or at least 35. PC jrs were out in 86 and I was taking Lotus and Wor...
by Jablean
Wed Feb 19, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: do you check your taxes when using tax software?
Replies: 54
Views: 3642

Re: do you check your taxes when using tax software?

+1 for spreadsheet - It's not overly complicated. I can see income/estExp/selfEmployTax for our 2 sole props, estimated interest/divs/inheritRMDs, and contributions to HSA, IRA/SEP or Roth, 529. I look at Obamacare cliff and Estimated taxes. I use TurboTax and adjust my spreadsheet numbers at the sa...
by Jablean
Sun Feb 16, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28061

Re: Protection Against Home Intruders

Our house came with a fence around the front yard, including across the driveway. It's a pain to open and close every time driving out but it's offset by allowing the dogs full roam of the entire property. Large doggie door into garage and then into house probably cancels that a bit although it is a...
by Jablean
Sun Feb 16, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1641
Views: 135846

Re: Coronavirus (Consumer Issues) How you are preparing?

I tripped the trigger on upgrading my IPhone 6 to a newer model. Been thinking of upgrading for six months for various reasons and think the Conoravirus may impact Apple’s ability to fulfill orders. I did the same thing with a couple of computers last week. We have a couple of generators but I have...
by Jablean
Sat Feb 15, 2020 6:00 pm
Forum: Personal Investments
Topic: Affordable Health Care Subsidy Not Elegible if I realize Gains - What to do?
Replies: 14
Views: 1576

Re: Affordable Health Care Subsidy Not Elegible if I realize Gains - What to do?

Never push your parent off a cliff :) First yay, you know there's a cliff and you didn't do anything rash without thinking through the consequences. So you can decrease income - less work, no extra rmds, put money in non-interest bearing accounts Increase income offsets - HSA if eligible (including ...
by Jablean
Sat Feb 15, 2020 3:43 pm
Forum: Personal Investments
Topic: Inherited IRA question
Replies: 19
Views: 1311

Re: Inherited IRA question

Since you don't have to do the 5 year rule and can do the life expectancy RMDs I think the RMDs are much more flexible. This assumes that the RMDs don't put you over income cliffs for something like Obamacare. With RMDs you have to take out the RMD but you have the choice to only take that out or to...
by Jablean
Fri Feb 14, 2020 6:33 pm
Forum: Personal Investments
Topic: HSA Portfolio Strategy Assessment
Replies: 5
Views: 570

Re: HSA Portfolio Strategy Assessment

Yes you are making things complicated by dividing a <10,000 account right off into three buckets. It would make more sense to just pick one of your options although I'm not sure of the value of bonds in the HSA. As your most tax advantaged account, even more so than Roth, and the most potential for ...
by Jablean
Thu Feb 13, 2020 7:05 pm
Forum: Personal Investments
Topic: HSA allocation amounts and portfolio
Replies: 8
Views: 592

Re: HSA allocation amounts and portfolio

You could do bonds but remember they can lose money too. You should be able to find a money market fund in there that will at least give you returns above 1.5%.
by Jablean
Thu Feb 13, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Out of State Colleges - Good Computer Science Bargains?
Replies: 65
Views: 4591

Re: Out of State Colleges - Good Computer Science Bargains?

Boise State would be great for her. They've got a GIMM program on the main campus (Games etc) along with one of the first college gaming teams and the Innovation College (build your own degree). VR is a big deal in town with a user group meeting regularly and a tight Idaho Tech Council pushing hard ...
by Jablean
Thu Feb 13, 2020 2:40 pm
Forum: Personal Investments
Topic: HSA Portfolio Strategy Assessment
Replies: 5
Views: 570

Re: HSA Portfolio Strategy Assessment

I would pick one thing to do with your investment funds and not break it into three buckets.
by Jablean
Wed Feb 12, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement plan closing - lump sum options
Replies: 3
Views: 681

Re: Retirement plan closing - lump sum options

Thank you for the links they helped a lot on the lump sum and splitting it to IRA and Roth. The annuity options are all immediate with fixed monthly payments starting this spring and I really don't need current income. The options are: Modified Cash Refund (Life only) $238 - beneficiary would only g...
by Jablean
Wed Feb 12, 2020 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Retirement plan closing - lump sum options
Replies: 3
Views: 681

Retirement plan closing - lump sum options

I have a retirement plan from a job I left 25 years ago that is closing down and now offering various methods to get my money out. I’m pretty sure I’m going to take the lump sum option, (instead of annuities which all start this year) and roll it into my IRA. (It was a pretty good plan. My contribut...
by Jablean
Sat Feb 08, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Received 1099-DIV for deceased spouse
Replies: 10
Views: 1236

Re: Received 1099-DIV for deceased spouse

If daughter files taxes she just declares it on her end with a note and you declare the same on your return. Had it happen when my mom died. A 1099 was declared for her but I technically was the beneficiary of the rmd and the payer of the taxes. We made a note on both my return and the one I had to ...
by Jablean
Fri Feb 07, 2020 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6663

Re: Merit Scholarships - Advice and Strategies?

Boise State's close, no beach but new arts building, honors college, College of Innovation, pretty good research stats. Weather is four season but mild. Scholarship would put her at in-state rates.
by Jablean
Fri Feb 07, 2020 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Recent passed parent had Vanguard TOD and will. What now?
Replies: 69
Views: 7557

Re: Recent passed parent had Vanguard TOD and will. What now?

For items in the will which actually weren't coming to me (I got the $ someone else got the goods) I had to wait till I got my "letters" from the court giving me executor power, worked with the estate lawyer on when I could transfer items, kept my ledger of in/out money for expenses, last hospitali...
by Jablean
Wed Feb 05, 2020 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Recent passed parent had Vanguard TOD and will. What now?
Replies: 69
Views: 7557

Re: Recent passed parent had Vanguard TOD and will. What now?

Distributions means to beneficiaries. They get what's left after debts, taxes and expenses. TOD assets pass outside the Will. They can create lots of problems so except in tiny estates we try to avoid them except for life insurance and retirement benefits. Rephrase: So everybody agrees TOD assets a...
by Jablean
Tue Feb 04, 2020 7:59 pm
Forum: Personal Investments
Topic: New year's resolution... Protect my family. In need of peer review.
Replies: 9
Views: 1340

Re: New year's resolution... Protect my family. In need of peer review.

It used to be that a 15 year policy was the sweet spot on term insurance. Not sure if that's still true. We did that but should have laddered or reapplied after 5 years. When the 15 year wore down we were old and not in as good of health even though we still needed as kid was only 15. This does not...
by Jablean
Tue Feb 04, 2020 7:22 pm
Forum: Personal Investments
Topic: reassure me re inherited IRA name tweek
Replies: 5
Views: 487

Re: reassure me re inherited IRA name tweek

The thing that is important on inherited IRAs is the name of the original owner, not so much the inheritor.
by Jablean
Mon Feb 03, 2020 8:19 pm
Forum: Personal Investments
Topic: starting 3-Fund at 58 (edited 2/5/20)
Replies: 10
Views: 1721

Re: starting 3-Fund at 58

Yes you should create a Roth account but do you know if you are eligible with enough earned income? Do you have a 401k or a traditional IRA? Are you putting new money each year into them? A traditional IRA and a Roth share the same pot of investment money each year.
by Jablean
Mon Feb 03, 2020 8:01 pm
Forum: Personal Investments
Topic: HSA Accounts
Replies: 43
Views: 3088

Re: HSA Accounts

Yeah the years my employer only offered FSAs were stressful. Estimate in November how much you think you'll spend in medical costs the entire next year. If you go low you pay out of pocket. If you go high say goodbye to anything you don't use. Now the childcare portion that was usually part of the b...
by Jablean
Mon Feb 03, 2020 7:47 pm
Forum: Personal Investments
Topic: New year's resolution... Protect my family. In need of peer review.
Replies: 9
Views: 1340

Re: New year's resolution... Protect my family. In need of peer review.

There was an umbrella policy discussion here just last week so do a search for that as it had price ranges as well as some of the coverage differences required in different states. Also do a search on Med Pay for car insurance. That's the part that pays you if you get injured by your own fault - eve...
by Jablean
Sat Feb 01, 2020 5:21 pm
Forum: Personal Investments
Topic: Transferring Accounts
Replies: 5
Views: 463

Re: Transferring Accounts

IRS doesn't care where you hold your t-IRA or Roths or how often you move them. It won't effect how much you can contribute yearly.

For the annuity - you've already got it, what's wrong with keeping it?
by Jablean
Wed Jan 29, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Catch up HSA
Replies: 7
Views: 801

Re: Catch up HSA

And just make sure that all of your catchup goes in yours once she hits 55 and starts adding her catchup also. I do family and my catchup in one account and then all of DH's catchup in his account. You can't put both catchups in one account.
by Jablean
Wed Jan 29, 2020 5:30 pm
Forum: Personal Investments
Topic: Best Way to Fund a Roth IRA
Replies: 7
Views: 765

Re: Best Way to Fund a Roth IRA

Do you have to worry about the ACA cliff? If you are getting insurance through your employer then probably a no on that. Then that leaves do you know what your tax rate is and how close you are to the cutoff to the next level? If you can estimate how much capital gains you'll have from selling in yo...
by Jablean
Wed Jan 29, 2020 5:20 pm
Forum: Personal Investments
Topic: Re-invest my RMD: Up 401K % or open ROTH IRA?
Replies: 3
Views: 486

Re: Re-invest my RMD: Up 401K % or open ROTH IRA?

If you are within contribution limits open a Roth this year, worry about converting the traditional when you have your debt paid off. I agree, it doesn't seem to be a big problem unless you are wanting to do backdoor contributions down the line.
by Jablean
Tue Jan 28, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Don't Get Escheated! (Planet Money on Escheatment)
Replies: 36
Views: 4623

Re: Don't Get Escheated! (Planet Money on Escheatment)

Family got accounts at local teacher's credit union when I was 5- 50+ years ago. I closed my checking account out about 15 years ago and just kept $6 in savings. When my mom died two years ago they TOD' me from a defunct life insurance policy dated in the 70s that they had scanned a slip in. So mayb...
by Jablean
Mon Jan 27, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Evacuation Insurance
Replies: 41
Views: 2610

Re: Medical Evacuation Insurance

AAA Emergency Assistance Plus membership. Would have used it if I had had it when my dad had a stroke while visiting Vegas and his AARP Medicare Advantage plan wouldn't cover any rehabilitation there.
by Jablean
Mon Jan 27, 2020 7:24 pm
Forum: Personal Investments
Topic: SEP IRA - Advice on Providers & Investing?
Replies: 10
Views: 503

Re: SEP IRA - Advice on Providers & Investing?

A self-employed individual is only allowed to contribute, as their own employer, 20% of net self-employment income. 20% x $175,000 = $35,000 employer contribution. I was calculating the SEP contribution using 25% based on the info here, maybe i misunderstood? https://www.irs.gov/retirement-plans/pl...
by Jablean
Sun Jan 26, 2020 2:16 pm
Forum: Personal Investments
Topic: Executor of an estate
Replies: 51
Views: 3715

Re: Executor of an estate

The estate is a person. When inheritors get their portion they get it at whatever basis that day is. The estate would pay income tax on any gains before the distribution date. If instead of distribution through a will it is a TOD account then the inheritor is responsible for cap gains etc from the d...
by Jablean
Sun Jan 26, 2020 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Making funeral arrangements? Consider "pre-need" insurance
Replies: 35
Views: 4048

Re: Making funeral arrangements? Consider "pre-need" insurance

It was 1800 for my mom in 2017. Included cremation, urn, wee hours of the morning pickup, 6 or so death certs, they contacted SS and posted death notices. I think they came out to the house while she was on hospice. Therapy dog on site when I visited to get more certs which her money adviser insiste...
by Jablean
Sun Jan 26, 2020 1:39 am
Forum: Personal Consumer Issues
Topic: Fridge water filter good enough?
Replies: 47
Views: 4378

Re: Fridge water filter good enough?

So I went a looking to the amazon links that were shared, they all take up a lot of room, a pain to install, lots of parts. And then I found this new fangled machine that just like tankless water heaters it is a tankless reverse osmosis filter. Price is higher, installation is a breeze. I'm thinking...
by Jablean
Sat Jan 25, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for in-law retirement/elder-care
Replies: 19
Views: 1443

Re: Planning for in-law retirement/elder-care

Where is their plan to keep their will? - Not in a post office box Do you mean "safe deposit box"? Whether it's reasonable to keep a will in a safe deposit box depends on state law. In some, but not all, states, boxes are sealed upon the death of an owner, impeding access to this and other importan...
by Jablean
Sat Jan 25, 2020 9:30 pm
Forum: Personal Investments
Topic: Inherited IRA or Traditional. ex advisor not helpful
Replies: 59
Views: 3584

Re: Inherited IRA or Traditional. ex advisor not helpful

You should receive, or be able to see online, a 1099-R for the account. Mine lists my mother as the original depositor. Now just to clarify when you are talking with peeps be sure to say that this was a qualified annuity that you inherited. They do have slightly different procedures and timelines fo...