Search found 1134 matches

by new2bogle
Thu Apr 19, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4539

Re: Factor in evaluating Physicians

OP, thanks for posting this.

I see the ENT I went to a couple of years ago got north of $70k in payments in just 2015.
by new2bogle
Thu Apr 19, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 fund that would be better than freedom fund?
Replies: 15
Views: 1158

Re: Fidelity 4 fund that would be better than freedom fund?

I use fidelity for a three fund portfolio: FSTVX - Fidelity Total Market Index FSEVX - Fidelity Extended market index (my tilt) FTIPX - Fidelity Total Intl index AGG - ISHARES CORE U.S. AGGREGATE BOND ETF (free to trade at fido) Alternatively, you can just get: FFNOX - Fidelity Four in One index. It...
by new2bogle
Wed Apr 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3177

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Help, I'm really stressing out! You're stressing out over a $100 possibly invalid debt? All collection agencies do is scare people who don't know that the agencies can't actually do anything. Write the letter to the collection agency asking them to validate the debt and, otherwise, not contact you,...
by new2bogle
Sun Apr 08, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4413

Re: Handling ageism in tech

OP, are you in IT or some other tech field (software/hardware)?

I am in tech too (hardware) and am interested in peoples thoughts.
by new2bogle
Thu Apr 05, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3808

Re: How did you file your income taxes?

I have not filled out my 2017 taxes yet and had been using TaxAct for a decade or so. This year, I didn't even bother logging into my TaxAct account. Today, I received an email offer from TaxAct for federal file for $5 (state is $39.99 but I live in a no state income tax state :D ) so went ahead and...
by new2bogle
Thu Apr 05, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 10
Views: 1142

Re: new mattress/bed - king size upstairs

We purchased a king size Nectar Mattress aboutn 4-5 weeks ago. It is marketed as "medium-firm" but more on the firm side. We like firm so not an issue at all. The mattress is awesome and we really like it. Reason I ordered Nectar was because they have a 365 day trial period. I wanted to make sure th...
by new2bogle
Thu Apr 05, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6597

Re: Asking for a raise/promotion with another offer in hand

As an employer, if you approached me with valid reasons for a raise/promotion, I would listen, but those reasons would have to be based on did you add value to the company. So did you make the company better? If I also found out you were seeking a job while still employed, I would have helped you c...
by new2bogle
Wed Apr 04, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 5729

Re: Amica Increase

I have Amica and my bill went up after my first year by about 10% with no claims or even calling them on the phone. The second year it also went up, but by maybe 5%. Since then it's been smaller increases until this past year when it went up by another 10% due to two accidents in the same year by my...
by new2bogle
Wed Apr 04, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 62040

Re: Netflix, Your Current Favorite Show

Finished watching Dark a few weeks ago - excellent. The story is not hard to follow as some have said - you just need to pay attention. Finished first season of Jessica Jones and starting second season next week. First season was pretty good. I've seen pretty much all of the dark crime series (espec...
by new2bogle
Wed Apr 04, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 10411

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

My frustration is with the article, and not with the couple. They're fine -- but they're not saving $150K because they stopped going to concerts, or because they eat inexpensive Chinese cuisine. They're very well off and well-compensated by American standards, and when one is well-off, it's very, v...
by new2bogle
Wed Apr 04, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2104

Re: Protecting personal privacy on-line - CBS News

I think most people will be fine with:

1) using a VPN
2) Never use Facebook
3) Log out of gmail when done using
by new2bogle
Tue Apr 03, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Best longevity calculator?
Replies: 32
Views: 2707

Re: Best longevity calculator?

The links above predict I will live within 2 years of 3 out 4 of my dead grandparents (1 still alive and ticking away in her 90s!), which is ~87. So maybe these calculators really are up to something...
by new2bogle
Tue Apr 03, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Another mega backdoor roth question
Replies: 5
Views: 811

Re: Another mega backdoor roth question

Your line of thinking is correct and the Fidelity guy is totally wrong. He may be referring to back door Roth - which does have a 5500 limit. Mega back door has no such limit. Pretty ironic that a so called expert is providing bad information. Last year I rolled over 25k of after tax dollars to my ...
by new2bogle
Tue Apr 03, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Another mega backdoor roth question
Replies: 5
Views: 811

Re: Another mega backdoor roth question

Thank you all for the responses. Good to know that my line of thinking is correct. Next time I call for Fidelity for the out-of-plan conversion I will check with that rep again to be triple sure.
by new2bogle
Tue Apr 03, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10883

Re: TaxAct and alternatives

For the people that used FreeTaxUSA: there was a comment made a few months ago about last year's version (for 2016 taxes) not having the sufficient forms/inputs to adjust ESPP prices. Has anyone encountered this for tax year 2017? I can confirm that was able to input my ESPP cost basis adjustments ...
by new2bogle
Mon Apr 02, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10883

Re: TaxAct and alternatives

For the people that used FreeTaxUSA: there was a comment made a few months ago about last year's version (for 2016 taxes) not having the sufficient forms/inputs to adjust ESPP prices. Has anyone encountered this for tax year 2017?
by new2bogle
Mon Apr 02, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Another mega backdoor roth question
Replies: 5
Views: 811

Another mega backdoor roth question

I've been doing the mega backdoor roth IRA ever since my company started allowing the out of plan conversions (late last year). Currently, I call Fidelity (who services this for my mega-corp) every month or so and move all of my after tax contributions to my Roth IRA. I have two questions: 1) Based ...
by new2bogle
Fri Mar 23, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21762

Re: Anyone Deleting Facebook?

I'm with 7UP: never had it, never will
by new2bogle
Thu Mar 15, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5980

Re: Finally Cutting the Cord - YouTube TV

We use the following setup and it works perfectly for us: Tablo with HD antenna and 4TB harddrive for DVR Amazon Prime Netflix (Shared through family) Plex AppleTv There were some upfront costs ($500 for setup -Tablo, Antenna, AppleTv), but now we're paying ~60/month for just internet and prime/net...
by new2bogle
Thu Mar 15, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5980

Re: Finally Cutting the Cord - YouTube TV

I've switched to DirecTV Now for about a month (from Dish). Less than half the price and it has all of the channels we watch (plus a free Apple TV!). Few points: - We only get Fox live as local channels, which is absolutely horrible. I really hope the rest of the locals are added in. - My wife hate...
by new2bogle
Wed Mar 14, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5980

Re: Finally Cutting the Cord - YouTube TV

I've switched to DirecTV Now for about a month (from Dish). Less than half the price and it has all of the channels we watch (plus a free Apple TV!). Few points: - We only get Fox live as local channels, which is absolutely horrible. I really hope the rest of the locals are added in. - My wife hates...
by new2bogle
Wed Mar 14, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5980

Re: Finally Cutting the Cord - YouTube TV

We just cut the cord and moved to Fire TV (yes an upfront cost per unit) with PlayStation Vue and LOVE it. Meh. I had Vue for about a month, but kept losing access to my regional sports network every other time I tried to use it. This was my primary reason for going with Vue. My understanding is th...
by new2bogle
Wed Mar 07, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3470

Re: New vehicle research

My daily driver for the past 18 years have been 2 Camrys, the first one a 4 cyl and the second one a hybrid. The hybrid camry is an awesome car and I really really love the CVT on it. My next car is going to be a 2-3 year old Lexus (hopefully over the summer/fall time of this year). ETA: To add to t...
by new2bogle
Thu Mar 01, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fees on Costco Card
Replies: 5
Views: 511

Re: No Foreign Transaction Fees on Costco Card

WooHoo! I haven't received that yet, but this would be welcome news. Thanks!
by new2bogle
Mon Feb 26, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 11629

Re: How Far is too Far, Commuting?

Pajamas wrote:
Sat Feb 24, 2018 3:52 pm
It might be of interest for you to look at average commute times by geographic area.

https://project.wnyc.org/commute-times- ... 00/-89.500
Good graphic. It is eerily accurate for me.
by new2bogle
Fri Feb 23, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 4921

Re: Safe to file taxes now?

My PenFed 1098 tax form (corrected) was just made available yesterday.
by new2bogle
Mon Feb 05, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: home security against burglaries
Replies: 11
Views: 1081

home security against burglaries

I was wondering what people did/thought about protecting your home against burglaries? Our neighborhood has been the victim of over 30 home burglaries over the past 2 years or so. All of these have been people breaking into the first floor master bedrooms and stealing mostly jewelry but also other v...
by new2bogle
Mon Jan 08, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 14932

Re: Backdoor Roth: How Long To Wait For Conversion?

A bit off-topic but didn't want to create a separate thread:

when doing a mega backdoor roth ira conversion, can the gains on the after-tax amount go into a Rollover IRA? Or must it be a traditional IRA?
by new2bogle
Thu Dec 21, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 11
Views: 1183

Re: Question on meeting with at-fault ins agent for injury claim

I met with the adjuster and got a more than fair settlement. Before any "negotiations" even started the adjuster offered me about $1300. I wanted him to add in my missed day's of work and he did. He said they only offer the actual per day salary * 80%. (Is that true? I didn't dispute/fight this but ...
by new2bogle
Thu Dec 21, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 21
Views: 2138

Re: Super Nintendo Classic edition

Update: I was able to get the SNES Classic edition from BH Photo, brand new $79.99 a few weeks ago. I had told my son that all SNES were sold out so it would depend on if Santa could get his hands on one and how good he was the whole year.

It will be a good christmas.
by new2bogle
Thu Dec 21, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 4819

Re: Christmas Bonus: Etiquette

I gave my manager a gift basket this year. This is at MegaCorp. I have never done that before, but my current manager regularly goes out of his way to make sure I am satisfied and I know he fights for me during review time. Sure, the money is not coming out of his pocket or his bonus, but this is my...
by new2bogle
Wed Dec 20, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6009

Re: Who missed out on maximizing 401k?

I'll have my 401k maxed out after my last paycheck of the year (this week!)
by new2bogle
Wed Dec 20, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 24452

Re: 2nd million is easier!

Congrats to the OP! We're still climbing toward the first million Happy for you. So you contributed 300-350k of new funds in last 46 months? Can’t be retirement accounts. Your income must be super high $500k- 1M a year? 2016 my wife and I earned less than $200K and saved $65K (contributions and mat...
by new2bogle
Wed Dec 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-planning - What to pay in '17 before it's too late?
Replies: 33
Views: 2032

Re: Tax-planning - What to pay in '17 before it's too late?

If you donate to charities you can look at bunching these. Right!? Do people not usually give much to charity? Even with the new standard deduction, our charitable contributions will allow us to still itemize. I wonder if charities are going to hurt, if people who normally itemize for a contributio...
by new2bogle
Mon Dec 18, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much Auto Insurance to get
Replies: 12
Views: 1160

Re: How much Auto Insurance to get

You are already in need of an umbrella policy, I'd recommend $1 million to start with. Should be fairly cheap ($100-$200/year). Your insurance company may up your auto coverage limits to get the umbrella. $50k property damage is nowhere near enough. I see 1-2 Teslas during my morning commute and ano...
by new2bogle
Mon Dec 11, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 11
Views: 1183

Re: Question on meeting with at-fault ins agent for injury claim

Will it be easier to talk to a lawyer? Seems like they will not charge anything unless progressive pays. I can't objectively answer that for you. I began my career with Progressive and have a good understanding of their claims organization. I worked for another carrier settling bodily injury claims...
by new2bogle
Mon Dec 11, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 11
Views: 1183

Re: Question on meeting with at-fault ins agent for injury claim

A couple things. These aren’t agents, as they don’t sell or service a policy. They are adjusters who handle losses. Agents are required to be licensed. Adjusters are required to be licensed in some states. Progressive is likely motivated to settle your bodily injury claim. When I worked for them, t...
by new2bogle
Mon Dec 11, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 11
Views: 1183

Re: Question on meeting with at-fault ins agent for injury claim

I was in an accident several months ago where a car rear-ended me. The other driver had Progressive and she got a citation. Progressive promptly fixed my car for ~$5,000. I also have an open injury claim with them (whiplash) for which I will be finally meeting with Progressive's agent. I have not u...
by new2bogle
Mon Dec 11, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 11
Views: 1183

Question on meeting with at-fault ins agent for injury claim

I was in an accident several months ago where a car rear-ended me. The other driver had Progressive and she got a citation. Progressive promptly fixed my car for ~$5,000. I also have an open injury claim with them (whiplash) for which I will be finally meeting with Progressive's agent. I have not us...
by new2bogle
Wed Dec 06, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 2182

Re: In-plan rollover of after-tax 401k contributions

Wow, that was a lot of IRS reading I had to do last night :| It seems like then that if the plan allows, then going from after-tax to my personal Roth IRA is the best option. My employer does allow this but provides no information, literally they said "We now allow in-plan rollovers, check with Fide...
by new2bogle
Tue Dec 05, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2888

Re: Lowering real estate agent costs when selling?

OP .... irrespective of the cost, do you believe you need a real estate agent to effectively sell your home? Somebody needs to open the door and let them walk through the house. 1% listing agent fee is about $9000. That's fine. 3% buyers agent fee is $27,000, and I think that's too high. Can I just...
by new2bogle
Tue Dec 05, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 2182

Re: In-plan rollover of after-tax 401k contributions

Think of your 401k account having several sub-accounts: 1. Traditional 401k - with employee pre-tax contributions, and employer matching & discretionary contributions 2. Roth 401k - with post-tax contributions 3. After-Tax 401k: with post-tax contributions So, what you are doing is having this Afte...
by new2bogle
Tue Dec 05, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 2182

In-plan rollover of after-tax 401k contributions

My company allows in-plan rollovers of after-tax 401k contributions. My thinking was to do this to get the full benefit limit of $54,000. When I was reading this page on irs.gov , it made me wonder if I can actually do the rollover of only the after tax amount. Here's the snippet that is confusing t...
by new2bogle
Fri Dec 01, 2017 1:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1112

Re: Local Chapters - What to Discuss / What's the Point?

Do local chapter meetings also follow the rule of no political discussions?

I would definitely not go if politics ever came up.
by new2bogle
Thu Nov 30, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 7641

Re: Invest or pay off mortgage?

There is a wiki on this choice. https://www.bogleheads.org/wiki/Paying_down_loans_versus_investing One option would be to save up the money until you have $30K(20% of the loan) and then see if your lender will "recast your mortgage"(Google this). They are not required to but they usually will for a...
by new2bogle
Thu Nov 30, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 7641

Re: Invest or pay off mortgage?

There is a wiki on this choice. https://www.bogleheads.org/wiki/Paying_down_loans_versus_investing One option would be to save up the money until you have $30K(20% of the loan) and then see if your lender will "recast your mortgage"(Google this). They are not required to but they usually will for a...
by new2bogle
Wed Nov 29, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 28296

Re: Currently have $700,000 at 26 years old get $100,000 a year

Does the $100K last forever? Is that where you're getting the $3M from? ($100K x 30 years) Honestly, I'd give up the partying college girls. You're 27. Find a woman of substance. Make sure you get a prenup. Going back to school and getting a job is a great idea. You can afford it on your "income". ...
by new2bogle
Wed Nov 29, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 28296

Re: Currently have $700,000 at 26 years old get $100,000 a year

GrayS26,

I don't see how you can get any real financial advice without saying how the $100k is generated or how long can you expect this income to continue? In 25 years when you are 52, will you still be getting $100k/year? It will be worth a lot less than the $100k is today.
by new2bogle
Wed Nov 29, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1313

Re: Fido broken?

Always passive wrote:
Wed Nov 29, 2017 12:21 pm
I just logged in successfully
Yup, I was just able to log in via iPhone app.