Search found 78 matches

by Domadosolo
Fri Nov 20, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How does part-year dependent affect ACA premium subsidy?
Replies: 6
Views: 532

Re: How does part-year dependent affect ACA premium subsidy?

Currently Fam of 3, soon to be fam of 2 when child graduates in Jun 2021 Child has a decent job offer and has a compensation plan that is Base gross comp: 33K for 6.5 mos and Housing : 10K for around 6.5 mos, which may or may not be grossed up to 15K, depending on corp ability to expense housing So ...
by Domadosolo
Sat Nov 07, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: See Finance (Mac) and Schwab OFX downloads
Replies: 4
Views: 444

Re: See Finance (Mac) and Schwab OFX downloads

I discovered the problem last night, still a problem this AM - called Schwab. Schwab confirmed that they have changed the technology underlying the downloading of transactions in order to eliminate some security vulnerabilities. They tried to claim that they have contacted 3rd party app developers ...
by Domadosolo
Sat Oct 31, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: See Finance (Mac) and Schwab OFX downloads
Replies: 4
Views: 444

See Finance (Mac) and Schwab OFX downloads

I've been using See Finance v2 by Scimonoce software, on a Mac, primarily as an aggregator across brokerages. I've been very happy with the simplicity of the product, (some small errors I've learned to deal with). Recently ( about 3 weeks back), the Schwab interface stopped working (error code 403)....
by Domadosolo
Sat Oct 10, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Appropriate TIP for Large(r) Instacart/BJs order
Replies: 1
Views: 279

Re: Appropriate TIP for Large(r) Instacart/BJs order

So, I concluded with a $20 tip online with my order and an additional $10 in cash on my door in an envelope. About 8 boxes at my door, driven about 10 miles. I hope the delivery person thinks it is appropriate, I presume Instacart/BJs pays them labor and mileage? I acquired a bunch of fivers from th...
by Domadosolo
Fri Oct 09, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Appropriate TIP for Large(r) Instacart/BJs order
Replies: 1
Views: 279

Appropriate TIP for Large(r) Instacart/BJs order

How much is an appropriate TIP for a large BJs/Instacart order, with approximately 45 items, total cost $500. The person spent an hour and a half shopping, and sent me a pic of a loaded cart :shock:
by Domadosolo
Sat Sep 26, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 86
Views: 7379

Re: Talk me into buying a Tesla Model Y

jastevenson wrote: Sat Sep 26, 2020 3:45 pm I wanted one badly but I test drive it and the ride quality was completely unacceptable. If you’re ok with that, it is an awesome car.
Can you shed some light on your experience about ride quality?
by Domadosolo
Tue Sep 22, 2020 1:52 pm
Forum: Personal Investments
Topic: PA/Philadelphia/NY/NYC tax Q - states and city
Replies: 4
Views: 797

Re: PA/Philadelphia/NY/NYC tax Q - states and city

Where is your official residence? Which state issues your driver's license? Where do you vote? Students are not always residents of the state where they attend school. -PA, except DL, as there was no need to renew as there is no car. Q1) Will Income A will be allocated to NYC, subject NY state and ...
by Domadosolo
Sat Sep 19, 2020 4:33 pm
Forum: Personal Investments
Topic: PA/Philadelphia/NY/NYC tax Q - states and city
Replies: 4
Views: 797

PA/Philadelphia/NY/NYC tax Q - states and city

For a Graduate Student, single, in Philadelphia, renting a place in Philadelphia all year, who has: A) Income in New York City for a summer job, worked remotely, while continuing to rent a place in Philly. B) Capital gains on sale of MF, occurred prior to NYC job C) Expected capital gains distributi...
by Domadosolo
Fri Sep 04, 2020 4:30 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

retiredjg wrote: Thu Sep 03, 2020 7:32 am
Thank you @retiredjg for your detailed response !
by Domadosolo
Wed Sep 02, 2020 12:28 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Thank you, I should have clarified that all Roths are from conversions. If OP also had a Roth account which was created via contributions - I assume there's no reason to keep that account separate either? That's correct. The IRS sees all Roth IRAs belonging to one person as one. Thanks retiredjg, a...
by Domadosolo
Tue Sep 01, 2020 2:53 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Do all clocks expire at age 59.5? The conversion clocks do expire at 59.5 meaning the penalties go away at 59.5. Your qualification clock has already expired but that may not be true for people who first started Roth IRA sometime after about mid 50's. The qualification clock (the one for the Roth I...
by Domadosolo
Tue Sep 01, 2020 9:03 am
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

1) Roth#1 established in 2014 2) Roth#2 established in 2015 3) Roth#3 established in 2015 (yes, 2 estd. in 2015) 4) Roth#4 established in 2016 5) Roth#5 established in 2017 All of these are 1 Roth IRA. Hold it wherever you like. Your 5 year qualification clock is satisfied, but you are not yet 59.5...
by Domadosolo
Tue Sep 01, 2020 8:06 am
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Retiree? Well, that changes things. 1) Roth#1 established in 2014 2) Roth#2 established in 2015 3) Roth#3 established in 2015 (yes, 2 estd. in 2015) 4) Roth#4 established in 2016 5) Roth#5 established in 2017 All of these are 1 Roth IRA. Hold it wherever you like. Your 5 year qualification clock is...
by Domadosolo
Mon Aug 31, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: Undergrad College List
Replies: 64
Views: 4613

Re: Undergrad College List

She should aim higher. The process of aiming higher will make her focus on her differentiating story She will need really persuasive essays that demonstrate a consistent thread which would make an admissions evaluator to say "Hey look at this one!, Whadya think?". She must use language tha...
by Domadosolo
Mon Aug 31, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Undergrad College List
Replies: 64
Views: 4613

Re: Undergrad College List

goru1 wrote: Mon Aug 31, 2020 7:16 pm
Some colleges like VCU has a medical school. And, they have a guarantee admission program for an undergraduate student to their medical school.
Are there any more 'Guaranteed Admission Program to Medicine' programs?
Wayne State University, Detroit is another that I am aware of
by Domadosolo
Mon Aug 31, 2020 7:16 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Duckie wrote: Mon Aug 31, 2020 4:58 pm
Domadosolo wrote:Any other advice?
Is the SEP IRA from current self-employment? If so, do you have employees? If not, have you considered a solo 401k instead of a SEP IRA?
No, its from prior self employment. I am an early retiree 8-)
by Domadosolo
Mon Aug 31, 2020 2:04 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

retiredjg wrote: Mon Aug 31, 2020 1:35 pm You could not re-characterize a Roth conversion now if you wanted to. :happy The law changed about 3 years back.
True, thanks
by Domadosolo
Mon Aug 31, 2020 2:02 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28442

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Up 12% today... share a beer then put a stop loss order
by Domadosolo
Mon Aug 31, 2020 1:09 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Out of pure curiosity, why do you have so many of them? Were you opening a new account with each contribution? I was advised to do so because of the 5-year rule. Each was an instance of separate Roth Conversion. That is still a bit silly, since you also need to know how much was converted, vs the e...
by Domadosolo
Mon Aug 31, 2020 1:09 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

The main thing I would avoid combining is the Traditional IRA with basis. It can be difficult to get that basis unwound if a bunch of IRAs are comingled, and many plans don't accept IRA roll-ins with basis included. If you want to do backdoor Roth IRA conversions in the future, you will want to rol...
by Domadosolo
Mon Aug 31, 2020 12:52 pm
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Out of pure curiosity, why do you have so many of them? Were you opening a new account with each contribution? I was advised to do so because of the 5-year rule. Each was an instance of separate Roth Conversion. That is still a bit silly, since you also need to know how much was converted, vs the e...
by Domadosolo
Mon Aug 31, 2020 11:57 am
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Re: Help me Streamline IRAs - Multiple Roths, SEP, Trad

Out of pure curiosity, why do you have so many of them? Were you opening a new account with each contribution? I was advised to do so because of the 5-year rule. Each was an instance of separate Roth Conversion. For #7, do you mean that this IRA has non deductible contributions? If so, are all of t...
by Domadosolo
Mon Aug 31, 2020 11:46 am
Forum: Personal Investments
Topic: Help me Streamline IRAs - Multiple Roths, SEP, Trad
Replies: 28
Views: 1232

Help me Streamline IRAs - Multiple Roths, SEP, Trad

IRAs are splintered and I would like to consolidate them: The IRAs are as follows: 1) Roth#1 established in 2014 2) Roth#2 established in 2015 3) Roth#3 established in 2015 (yes, 2 estd. in 2015) 4) Roth#4 established in 2016 5) Roth#5 established in 2017 6) SEP IRA from self employment 7) Tradition...
by Domadosolo
Sat Aug 29, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 144
Views: 17318

Re: Should I quit high paying job?

Dang ! Reprioritize, to eliminate the abuse. Here is what I would advise: #1. Start a new Job search and make it your #1 priority #2. Everything else will fall in place - teflon, freshair, pandemic timing etc. #3. Make sure #1 is #1, until done Just quitting is short term gain. Sometimes you have to...
by Domadosolo
Sun Aug 23, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Which 3 row luxury SUV?
Replies: 70
Views: 5242

Re: Which 3 row luxury SUV?

GLS has a nice ride, and space in the 3rd row for adults. You are right, take a test ride
by Domadosolo
Sun Aug 16, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for SUV or Car advice

Old Goat wrote: Thu Aug 13, 2020 8:01 pm Tall guy with a 2019 Honda Pilot, works well!
Thanks
by Domadosolo
Sun Aug 16, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for SUV or Car advice

Toyota Tundra (loaded) truck. Added/Wheelchair type thick gel seat cushion. (best padding I could find, easier on the back on long drives) Great adjustable power seat and steering wheel. Depending on the position, my left knee cap really likes to bang into the dash !!! But, I think that's just how ...
by Domadosolo
Thu Aug 13, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

This thread makes me feel short, despite by 6'1" height. :( Our current vehicle is a Buick Encore, and despite being referred to as a subcompact SUV, I cannot position the seat as far back as it would go and comfortably reach the pedals. I suspect that someone a few inches taller than me would...
by Domadosolo
Thu Aug 13, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 403b Withdrawals effects on Obamacare subsidy?
Replies: 17
Views: 757

Re: Rule of 55 403b Withdrawals effects on Obamacare subsidy?

This means her MAGI will be nothing when it comes to taxes because of the Roth withdrawals. This language (“her MAGI”) suggests that she is filing separately, is that correct? Because if you two are filing jointly then the MAGI that affects her ACA subsidy includes your income as well. With very na...
by Domadosolo
Thu Aug 13, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

This thread makes me feel short, despite by 6'1" height. :( Our current vehicle is a Buick Encore, and despite being referred to as a subcompact SUV, I cannot position the seat as far back as it would go and comfortably reach the pedals. I suspect that someone a few inches taller than me would...
by Domadosolo
Wed Aug 12, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for SUV or car advice

You have to take the car out on a long test drive and sit in it for a long time to make sure it's comfortable. I wouldn't take anyone else's opinion whether something is comfortable or not, spacious, etc everyone is different. I'm very tall, anytime I buy a car, I tell sales, expect me to sit in it...
by Domadosolo
Wed Aug 12, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

6'7" with 36" inseam. I am on my 2nd Chevy Equinox. Plenty of headroom, plenty of legroom. Plenty of room in back seat for my 6'7" son , my 6'9" son is a little cramped. Wife has Subaru Outback...not as much room but is ok. I have driven both in excess of 800 miles in one day. E...
by Domadosolo
Wed Aug 12, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

minimalistmarc wrote: Wed Aug 12, 2020 1:49 pm Do you have Skoda cars in America?
I haven't seen Skodas in the US
by Domadosolo
Wed Aug 12, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

Cars are weird cuz bigger doesn't always mean roomier. My VW Golf GTI could fit someone who is 6' 7" cuz the seats go so far back it's ridiculous. Whereas my Acura RDX can barely fit someone who is 6' tall, because the seats barely go back at all. But the RDX is twice the size of the Golf. Som...
by Domadosolo
Wed Aug 12, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

I lent my Subaru Outback to my 6 ft 6 in neighbor to test drive. He said it was comfortable and he might get one. The seats move all different ways and the steering column also moves in/out plus up/down. My conclusion was that many cars would fit him as long as he adjusted things. Fortunately for m...
by Domadosolo
Wed Aug 12, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

https://cars.usnews.com/cars-trucks/best-cars-for-tall-people I’ve found getting an extendable thigh rest very helpful, usually these are billed as the 18 or 20 way adjustable seats. Thanks for that list... Ive found a lack of relationship between stated legroom and actual comfort. I don't know wha...
by Domadosolo
Wed Aug 12, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Re: Calling all Long legged BHers for car advice

Keep the Mercedes. Go to one of the Mercedes Benz forums and figure out how to cut your maintenance costs. No need to use a dealer, dealer parts or even a place that does engine work at all for things like rotors and brake pads. For the next level up of work, find an independent mechanic with exper...
by Domadosolo
Tue Aug 11, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2851

Calling all Long legged BHers for SUV or Car advice

Portfolio Summary: Inseam: 37" :!: Need to drive in comfort on long trips, some trips 600 miles/2 days. Spouse's Toyota Sienna leaves my knees and thighs suspended in the air, and I am anchored by my rear and heels. :annoyed This gets uncomfortable on any ride over a half hour. I tried a seat c...
by Domadosolo
Tue Aug 11, 2020 7:05 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5830

Re: What price range for Daughter's first car?

Safety would be my first consideration, and $15K seems a bit low, for good safety considerations.
Plan on approx $20K for low miles and safe. Probably $25K if new.
Loan payment+Insurance = affordability should be the consideration, and a great way to build up a good credit history.
by Domadosolo
Sun Aug 09, 2020 4:55 pm
Forum: Personal Investments
Topic: Traditional to SEP transfer?
Replies: 8
Views: 559

Re: Traditional to SEP transfer?

The SEP IRA is an employment account. Employer based accounts may receive more protection in lawsuits. If you combine these two statements, you have an answer. A SEP IRA is an employer retirement plan. The account itself can be treated much like a traditional IRA account except that it has greater ...
by Domadosolo
Tue Aug 04, 2020 3:36 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8968

Re: Overcoming the fear of an early retirement

OP, I think you and I are in a very similar situation. My biggest hang up is health care coverage. So for now, I’m just going to keep going until the future if the ACA is settled one way or another. ACA Or equivalent is just another line item you need to account for. Get an estimate of costs at KFF...
by Domadosolo
Mon Aug 03, 2020 11:10 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8968

Re: Overcoming the fear of an early retirement

OP, I think you and I are in a very similar situation. My biggest hang up is health care coverage. So for now, I’m just going to keep going until the future if the ACA is settled one way or another. ACA Or equivalent is just another line item you need to account for. Get an estimate of costs at KFF...
by Domadosolo
Sat Aug 01, 2020 8:23 am
Forum: Investing - Theory, News & General
Topic: [Tesla added to S&P 500 index]
Replies: 238
Views: 22630

$TSLA in the S&P500 - what's the impact?

[Topic merged into existing thread on same topic.- Mod Misenplace] How will the addition of Tesla to the S&P500 affect the index on the day of the addition? - Theoretically : Assuming no other stock, nor Tesla changes value that day; - Pragmatically : All Bogleheads' oracles' speculation ? :D
by Domadosolo
Thu Jul 16, 2020 4:01 pm
Forum: Personal Investments
Topic: Non-equity AA - where?: Bond ETF, or MM, or ???
Replies: 6
Views: 446

Re: Non-equity AA - where?: Bond ETF, or MM, or ???

I think CDs have always been a credible choice for fixed income in a long term portfolio, but I would not shift long term fixed income from bond funds you have already selected to CDs just because you think something is different now, even if there are always things that are different. Cash in a mo...
by Domadosolo
Thu Jul 16, 2020 3:58 pm
Forum: Personal Investments
Topic: Non-equity AA - where?: Bond ETF, or MM, or ???
Replies: 6
Views: 446

Re: Non-equity AA - where?: Bond ETF, or MM, or ???

One general idea to think about is using a fixed income investment that's appropriate to your investing goal, which might be something like "retire in 15 years". If your investment goal is short term, a money market fund or savings account or even a short-term bond fund is fine. If your i...
by Domadosolo
Thu Jul 16, 2020 3:51 pm
Forum: Personal Investments
Topic: Non-equity AA - where?: Bond ETF, or MM, or ???
Replies: 6
Views: 446

Re: Non-equity AA - where?: Bond ETF, or MM, or ???

Is this money in retirement accounts? Are you more than 10 years away from retirement? If both answers are “yes”, put all the money in those 2 Bond funds. Thanks David, #1. Yes the money is in IRAs #2. I am a 59yo, retired early. I don't expect to touch the IRA until 72 (RMDs). ... Let me explain. ...
by Domadosolo
Mon Jul 13, 2020 2:29 pm
Forum: Personal Investments
Topic: Non-equity AA - where?: Bond ETF, or MM, or ???
Replies: 6
Views: 446

Non-equity AA - where?: Bond ETF, or MM, or ???

To meet my non-equity AA, I am rebalancing from Equity ETFs to Bond ETFs The question I ask is, given the current market, interest rates, low yields, C19, upcoming elections, does it make sense to continue to buy into Bonds? My current Bond ETFs : BND and SCHZ or should I keep it in Money Market fun...
by Domadosolo
Fri Jan 31, 2020 10:02 pm
Forum: Personal Investments
Topic: Sell company stock (taxes) or wait until early retirement (no or low taxes)
Replies: 23
Views: 1862

Re: Sell company stock (taxes) or wait until early retirement (no or low taxes)

@OP, Decide how much you would invest in your best competitor, if you had the cash. That is the magic number. Retain that amount in your company's stock, because that is really how comfortable you are. Sell the rest, pay the taxes, and invest in a portfolio you would rather be invested in. (stocks, ...
by Domadosolo
Wed Jan 29, 2020 9:57 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28595

Re: Sad news: LadyGeek's husband has passed

So Sorry for your loss.... Much respect