Search found 89 matches

by bandoba
Thu Nov 09, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9415

Re: Anyone planning on getting the new Pixel phone?

I haven't received the update yet. Thanks. I believe the article I read said it would be rolling out over this week. Installed update last night. I used boost mode display option and it looks great. The screen was already great IMO, if you are okay with blue shift. Awesome phone, though expensive.
by bandoba
Tue Nov 07, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9415

Re: Anyone planning on getting the new Pixel phone?

DiggleRex wrote:
Tue Nov 07, 2017 8:24 am
For those that have the Pixel 2 / Pixel 2 XL, have you received the latest update yet (probably still rolling out) that was supposed to address some of the main issues, and if so, did it address them in a satisfactory way?
I haven't received the update yet.
by bandoba
Sun Oct 22, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9415

Re: Anyone planning on getting the new Pixel phone?

I thought about getting the Pixel 2 XL but once I saw the price, I went and bought the OnePlus 5. Great reviews, battery life, stock Android experience at just over $500 for 128GB. Great deal imo. Have the same phone and love it This worried me though and it's why I'm willing to spend more to stick...
by bandoba
Wed Sep 27, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 982

Re: Transfering Data Between Cloud Providers

oneleaf wrote:
Wed Sep 27, 2017 12:57 am

The data I had was on Amazon S3. I use Amazon Web Services directly (not through a 3rd party service).

The Google Cloud Platform service I use is called "Google Cloud Storage", and I specifically use their Nearline service, which is $0.01 a gigabyte.
Thanks oneleaf!
by bandoba
Tue Sep 26, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 982

Re: Transfering Data Between Cloud Providers

I have transferred from Amazon S3 to Google Cloud Platform. Note, there is significant data transfer out charges so doing it fresh from your local PC will be cheaper (generally free). Did you transfer your data that was backed up on CrashPlan or this was something else? I am wondering if whoever tr...
by bandoba
Tue Sep 12, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds with limited tax advantaged space
Replies: 17
Views: 1697

Re: Bonds with limited tax advantaged space

Repeating advice seen earlier on this forum. Other options are:
- I-bonds
- bonds funds in IRA or HSA accounts. You get more bond space if you have option of after tax Roth.
by bandoba
Thu Aug 31, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 74
Views: 8431

Re: Xfinity Mobile

I am getting a page that says "Our site is temporarily unavailable". When I don't get that message, the phone is OOS! Weird. Their website was up and down last night, and I couldn't complete a single order when I did get through. It always failed at the end. This morning though, everything was work...
by bandoba
Wed Aug 30, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 74
Views: 8431

Re: Xfinity Mobile

The $1 phone is back in stock. All phones are $200 off. The $1 phone doesn't even show up now. Looks like it is sold out? It happened earlier when a friend tried to buy it. I just checked. It is there now. I am getting a page that says "Our site is temporarily unavailable". When I don't get that me...
by bandoba
Wed Aug 30, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 74
Views: 8431

Re: Xfinity Mobile

student wrote:
Wed Aug 30, 2017 12:01 pm
The $1 phone is back in stock. All phones are $200 off.
The $1 phone doesn't even show up now. Looks like it is sold out?
by bandoba
Sat Oct 22, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32549

Re: Chase Sapphire Reserve

Kiter wrote:When signed up for a dining program you can get up to 3 points and 5 miles per dollar posted for dining if you dine 10 + times


Can you please tell us what's the dining program and how to sign up for it?
by bandoba
Thu Aug 25, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 418
Views: 145231

Re: The Mega Backdoor Roth IRA

Has anyone done this from a T. Rowe Price 401k into a Vanguard Roth IRA? I just confirmed with T. Rowe Price that I am able to contribute 10% of income after-tax, that in-service withdrawals of after-tax contributions are allowed, and that I can do unlimited withdrawals without fee. I just changed ...
by bandoba
Wed Aug 24, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 418
Views: 145231

Re: The Mega Backdoor Roth IRA

I do option B. Roth IRAs are more flexible than Roth 401ks, and I'm not too bothered by paying taxes on earnings of a few months. It's not worth the hassle to me to separate the earnings and then move them back to the 401k. If I could accomplish that online without picking up a phone, I might consi...
by bandoba
Tue Aug 23, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 418
Views: 145231

Re: The Mega Backdoor Roth IRA

I recently started making after-tax 401K contributions at Fidelity. Originally I was planning to convert after-tax money into Roth IRA at Vanguard after every pay check. But our plan charges $20 fee every time I want to withdraw after-tax contributions. Given that I am now trying to find out what's ...
by bandoba
Tue Aug 02, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plan growth portfolio price tracking
Replies: 10
Views: 1429

Re: Vanguard 529 plan growth portfolio price tracking

This looks like it could be very helpful for our Google spreadsheet. I have the Vanguard (Nevada plan) aggressive growth portfolio 529 for my child. Will cut and pasting the above work for my google spreadsheet? Does the above just get the price per share value and then would I need to multiply it ...
by bandoba
Tue Aug 02, 2016 12:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plan growth portfolio price tracking
Replies: 10
Views: 1429

Re: Vanguard 529 plan growth portfolio price tracking

Thanks for the replies. I dug a little more and figured out a way to parse the price from its web page. You can use the following google spreadsheet macro to get it, importXML("https://personal.vanguard.com/us/funds/snapshot?FundId=4510&FundIntExt=INT","//*[@id='colMcontent']/tab...
by bandoba
Thu Jul 28, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Clarification needed on Mega backdoor Roth
Replies: 17
Views: 2838

Re: Clarification needed on Mega backdoor Roth

retiredjg wrote:If you do not have any money (other than a few stray pennies) in tIRA, Rollover IRA, SEP IRA or SIMPLE IRA at the end of the year in which you use the back door, the back door is not affected and you can still do it.


Great, thanks for the confirmation.
by bandoba
Thu Jul 28, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Clarification needed on Mega backdoor Roth
Replies: 17
Views: 2838

Re: Clarification needed on Mega backdoor Roth

retiredjg, appreciate your detailed reply. Thanks for explaining the difference and also specific requirements on documentation. I'm thinking of doing conversions right after money is available. So I will keep those records. One more thing - I didn't specially ask but based on your response it looks...
by bandoba
Wed Jul 27, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Clarification needed on Mega backdoor Roth
Replies: 17
Views: 2838

Re: Clarification needed on Mega backdoor Roth

I am in same situation as OP and have some follow up questions. I would really appreciate your comments. ⋅ OP, I would like to know if you actually tried converting after-tax contributions to Roth IRA in Vanguard? Was it straight forward process? ⋅ I plan to do same thing as OP b...
by bandoba
Fri Apr 29, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Value Index Expense Ratio Decreases
Replies: 24
Views: 3047

Re: Vanguard Small Cap Value Index Expense Ratio Decreases

Here's my sheet with the number of shares modified. m It relies on the following tax efficiency calculations I made: m I describe the ideas in this topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.) None of my ideas are really new -- my spreadsheet is a combination of...
by bandoba
Fri Apr 29, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Value Index Expense Ratio Decreases
Replies: 24
Views: 3047

Re: Vanguard Small Cap Value Index Expense Ratio Decreases

I love Google Sheets and Docs, but why do you guys put ER into the spreadsheet? it allows us to dynamically calculate the yearly expense of our portfolio; that is, the money-weighted expense ratio of our investments. Maybe it's just eye-candy to some, but I like to have all possible information abo...
by bandoba
Mon May 11, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 576
Views: 154473

Re: Share your networth progression

I've only tracked since 1/2007. I can guess a starting number of $0 in 1993 when I was one year out of college and just drained my savings to pay off student loans. January 1993 $0 ... 2007 $250,538 2008 $315,649 2009 $351,306 2010 $585,688 2011 $670,171 2012 $781,338 2013 $1,031,978 2014 $1,307,84...
by bandoba
Wed Apr 29, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 28
Views: 13787

Re: One share of BRK.B for Geico discount?

I switched to GEICO today. I'm buying my first individual stock ever, BRK.B, to get the ~8% discount. Based on my experience I would recommend confirming with GEICO first. I switched to GEICO last week and then also purchased BRKB assuming I will get the discount. I was told that I'm already gettin...
by bandoba
Wed Apr 29, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 28
Views: 13787

Re: One share of BRK.B for Geico discount?

I switched to GEICO today. I'm buying my first individual stock ever, BRK.B, to get the ~8% discount. Based on my experience I would recommend confirming with GEICO first. I switched to GEICO last week and then also purchased BRKB assuming I will get the discount. I was told that I'm already gettin...
by bandoba
Thu Feb 05, 2015 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

Regarding naming beneficiaries - I've already named my spouse as primary beneficiary for retirement accounts and I have joint registration for individual I-Bonds. But I am thinking about the case when both me and DW pass away at the same time. In such case, unless trust is named as secondary benefi...
by bandoba
Wed Feb 04, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

What about cars inside living trusts? Can cars be titled in one (I live in PA...I'd be specifically interested in that)? Will insurance charge more for a car titled to a Revocable Living Trust? I get it that you have to check with your specific state and insurer, but just wondering what anyone's ex...
by bandoba
Wed Feb 04, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

BTW, Vanguard trust account registration form asks for type of trust. Based on reading it seems that Revocable living trust a grantor trust. Though it can also be considered trust under agreement. So I could choose 2 options on the form. Can anyone share if they chose Grantor Trust or Trust under ag...
by bandoba
Wed Feb 04, 2015 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

Kevin, appreciate your detailed reply. I missed it earlier as I forgot to subscribe to this thread. Regarding naming beneficiaries - I've already named my spouse as primary beneficiary for retirement accounts and I have joint registration for individual I-Bonds. But I am thinking about the case when...
by bandoba
Fri Jan 30, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

I thought of couple more questions... ⋅  I-Bonds: did you guys end up moving I-Bonds under the trust? Is that easy process? ⋅  Can a couple still purchase maximum allowed 10K I-Bonds and move it under trust where the total would exceed 10K? ⋅  Some financial forms ask f...
by bandoba
Fri Jan 30, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 45
Views: 10421

Re: For those who have living trusts...

This is one of the best threads on Livings trusts and related experiences that I have found. Thanks to everyone and specifically to Kevin for posting their experience with or without Nolo based trusts. I'm in process of moving assets under our revocable living trusts. Our main purpose is avoid proba...
by bandoba
Thu Jan 15, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 5976

Re: Small Cap Value worth it?

livesoft, by "rebalancing moves" do you mean rebalancing couple of times a year or something else?

edited to fix typos.
by bandoba
Mon Jan 05, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA timing with TIRA -> 401k rollover
Replies: 8
Views: 996

Re: Backdoor Roth IRA timing with TIRA -> 401k rollover

Duckie, I opened new backdoor Roth last year and as a result I have TIRA at Vanguard with 0 balance. Based on your response, it looks like one can reuse the existing TIRA as well as Roth for 2015 or years to come. In other words, you add new funds to existing TIRA and then convert to (existing) Roth...
by bandoba
Sun Nov 23, 2014 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Questions about 401K rebalancing
Replies: 1
Views: 491

Questions about 401K rebalancing

Hello Bogleheads, I'm looking for some help with rebalancing of my 401K funds. Here is brief background: I am trying to consolidate into 3 funds portfolio. I recently changed jobs and the new employer 401K provides much better options. Specifically it has very low ER Vanguard & Fidelity funds fo...
by bandoba
Thu Sep 18, 2014 9:10 pm
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 3427

Re: OBi110 -or- Ooma Telo for home phone service?

For folks using Obi, didn't it stop working around May 2014 due to Google removing support? Though recently I saw an e-mail from Obi saying it is now officially supported. I was using it till mid-May and then stopped using it once it went offline. I'm going to try it again but wondering if anyone e...
by bandoba
Thu Sep 18, 2014 5:47 pm
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 3427

Re: OBi110 -or- Ooma Telo for home phone service?

For folks using Obi, didn't it stop working around May 2014 due to Google removing support? Though recently I saw an e-mail from Obi saying it is now officially supported. I was using it till mid-May and then stopped using it once it went offline. I'm going to try it again but wondering if anyone el...
by bandoba
Sat Aug 16, 2014 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 2508

Re: Help with investing for children

Quick question regarding Roth IRA on parent's name but with child as beneficiary - can you confirm this is same as any regular Roth IRA account? I'm wondering because I would like to go this route but our 401K and AGI doesn't allow us to open Roth. If your income is too high to open and direct fund...
by bandoba
Sat Aug 16, 2014 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 2508

Re: Help with investing for children

I am looking for some guidance on the best way to start investing for our 1 and 2 year old children. We are fortunate enough to have grandparents that have already put away a majority to all of the college expenses, so lets ignore the 529 option for this discussion. The amount invested for the shor...
by bandoba
Wed Mar 26, 2014 12:34 am
Forum: Investing - Help with Personal Investments
Topic: How do I back-door Roth IRA?
Replies: 15
Views: 1585

Re: How do I back-door Roth IRA?

Posting my experience as it might help. I followed the exact steps mentioned by aquifer but since this is first time I am doing TIRA or Roth IRA, I had to open those accounts first before I could do exchange. Opening of new TIRA and funding it from external bank is straight forward. For opening Roth...
by bandoba
Fri Mar 21, 2014 9:54 am
Forum: Personal Finance (Not Investing)
Topic: [VG VBS] Cannot move funds from TIRA to upgraded Roth online
Replies: 6
Views: 487

Re: [VG VBS] Cannot move funds from TIRA to upgraded Roth on

What's upgraded Roth? I'm wondering because I am seeing some issues with conversion too.
by bandoba
Wed Mar 19, 2014 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 1124

Re: 529 Account in California

Thanks @NorcalDad and others for pitching in. While we are on this topic, does anyone know if the cashback is considered as gift to your kids? Basically, what I am trying to find out is, if I fund 529 plan by giving 14K (max annual exclusion amount wrt gift tax) as a gift, can I still go ahead and d...
by bandoba
Tue Mar 18, 2014 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 1124

Re: 529 Account in California

Here is another Californian interested in finding out better options for 529. @Norcalkenny and @Easy Rhino (cool ID :)), assuming you are in CA, any specific considerations for choosing something other than Nevada plan at Vanguard?
by bandoba
Mon Mar 17, 2014 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with Non-deductible TIRA to Roth conversion
Replies: 4
Views: 352

Re: Problems with Non-deductible TIRA to Roth conversion

Appreciate your quick reply neurosphere and DSInvestor. So it appears that I should just go ahead and convert whole 11K and one doesn't select an year during conversion. BTW, I believe that the TIRA account stays open (with 0 balance) after I convert from TIRA to Roth. So next year, in 2015 I just p...
by bandoba
Mon Mar 17, 2014 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with Non-deductible TIRA to Roth conversion
Replies: 4
Views: 352

Problems with Non-deductible TIRA to Roth conversion

Hello Friends, Here is my situation: I am in process of adjust my portfolio based on various review comments I received here. As part of that, I decided to take advantage of backdoor Roth IRA. So far I have done following steps and stuck at conversion. I would really appreciate your help to understa...
by bandoba
Mon Mar 17, 2014 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA and Vanguard
Replies: 3
Views: 502

Re: Backdoor Roth IRA and Vanguard

I had same question and got the answer. Thanks verysiberian.
by bandoba
Fri Feb 28, 2014 5:18 pm
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 2497

Re: Any indoor seed starters?

I only start veggies, no point growing anything that doesn't give back to you IMO. Asthetics of flowers are great but not worth the work for me. I've got lettuce, brussel sprouts, and spinach sprouted under lights right now. Most other cool weather crops are getting planted this weekend. Hard to be...
by bandoba
Fri Feb 28, 2014 12:28 pm
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 2497

Re: Any indoor seed starters?

Newbie question - typically what kind of seeds you guys start in starters? Mainly veggies or non-veggies?
by bandoba
Fri Feb 07, 2014 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard send multiple checks for IRA distribution?
Replies: 5
Views: 574

Re: Does Vanguard send multiple checks for IRA distribution?

I'm definitely not an expert, but I don't see why that would matter. Does the total add up to the total you had in the account, or did they withhold money for taxes? If they withheld, you have to make that up with your own funds. (This is one of the reasons why trustee-to-trustee transfers are bett...
by bandoba
Fri Feb 07, 2014 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard send multiple checks for IRA distribution?
Replies: 5
Views: 574

Does Vanguard send multiple checks for IRA distribution?

Hello Bogleheads, I recently initiated process to rollover my IRA at Vanguard to my 401K plan at Fidelity. I was hoping to receive one single check for the value of my IRA account from Vanguard. Apparently Vanguard instead sent 6 different checks each for one fund in my account. Is this common? Woul...
by bandoba
Fri Jan 31, 2014 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Please review our portfolio
Replies: 4
Views: 1113

Re: Please review our portfolio

I think you are doing great. You can bump up bonds to mitigate the risk. I would like to see review from experienced members well. Any reason not to invest in 529 plans?
by bandoba
Wed Jan 29, 2014 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1998

Re: Back door Roth IRA

Thanks for confirming. BTW, one basic question about my IRA at Vanguard. I used to think that my account at Vanguard is Rollover IRA which is different than traditional IRA. But when I talked to Vanguard they were saying it is same as traditional IRA and now in your earlier post seem to suggest same...
by bandoba
Tue Jan 28, 2014 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1998

Re: Back door Roth IRA

There is a special rule here that supercedes pro rating because an employer plan cannot accept basis from an IRA. This is the special rule from Pub 590: Tax treatment of a rollover from a traditional IRA to an eligible retirement plan other than an IRA. Ordinarily, when you have basis in your IRAs,...