Search found 527 matches

by kirent
Wed Sep 13, 2017 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Option to freeze outgoing ACH at Vanguard?
Replies: 6
Views: 1295

Re: Option to freeze outgoing ACH at Vanguard?

You can freeze your account and put a Medallion Signature Guarantee requirement for distributions. Just make sure you have access to an institution that can grant those when you need it.
by kirent
Sat Mar 25, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Line 61 (Healthcare Insurance Mandate)
Replies: 2
Views: 577

Avoiding Line 61 (Healthcare Insurance Mandate)

I have a question about Trump's Healthcare Executive Order and how the IRS is obliging with it. http://www.sfchronicle.com/business/networth/article/Quiet-IRS-change-could-undermine-Obamacare-10932798.php If I understand this correctly, if a taxpayer files his/her taxes without filling out line 61 (...
by kirent
Fri Dec 16, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling Over Fidelity 401k?
Replies: 3
Views: 571

Rolling Over Fidelity 401k?

I will be rolling over a 401k from Fidelity to Vanguard and was wondering if anybody had any experience with this. When I contact Fidelity, they say that they will only send a check directly to me, and will not do a custodian to custodian transfer to Vanguard. Has anyone found any way around this, o...
by kirent
Thu Dec 15, 2016 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare Tax Penalty when insured through a foreign insurer
Replies: 12
Views: 1980

Re: Obamacare Tax Penalty when insured through a foreign insurer

I believe that your foreign insurance must meet the minimum essential coverage guidelines. You can call the healthcare.gov people and see if they can tell you if your insurance qualifies. As to getting around it, will you be out of the US for more than 330 days? If so you can apply for a waiver. Do ...
by kirent
Mon Nov 28, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Undo Backdoor Roth possible?
Replies: 4
Views: 407

Re: Undo Backdoor Roth possible?

While it would be possible to re characterize the Roth conversion to undo the conversion and put the money back into TIRA. I do not think you can recharacterize the Traditional IRA contribution that you have already recharacterized from Roth IRA contribution. I don't see much downside to keeping th...
by kirent
Mon Nov 28, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Undo Backdoor Roth possible?
Replies: 4
Views: 407

Undo Backdoor Roth possible?

So I have a bit of a messy situation. At the beginning of the year I thought I would be below the MAGI limits for a Roth IRA and so contributed $5500 to one. I found out earlier in the year that I would be above the MAGI limits and so ended up recharacterizing this Roth IRA to a Traditional one and ...
by kirent
Sat Nov 26, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

Re: World Travel Insurance, Worth it?

Medjet seemed pretty expensive, I got a quote for $816 on their website. Adding on a Blue Cross Worldwide plan (which if I understand correctly seems to also require US insurance), can bump up the the total pretty high. I would be curious to hear what sort of costs you are getting. If are relativel...
by kirent
Sat Nov 26, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

Re: How to become a "U.S. citizen residing overseas"?

Read Calif FTB Pub 1031 on residency status. Basically, if you 1) are transferred out of state for work, and 2) stay out 546 days except for visits of less than 45 days per year, you are non-resident. We have properties in CA, driver's licenses, and are registered voters there (absentee ballot). Ha...
by kirent
Sat Nov 26, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

Re: How to become a "U.S. citizen residing overseas"?

Move to Seattle Take your vacation Come back & move back to CA Wouldn't this work? I am not quite sure and so would like more responses on this, but I have a feeling it would look something more like this: 1) Move to Income Free State 2) Change everything to be new State Based based (Change and Can...
by kirent
Sat Nov 26, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

Re: World Travel Insurance, Worth it?

Medjet seemed pretty expensive, I got a quote for $816 on their website. Adding on a Blue Cross Worldwide plan (which if I understand correctly seems to also require US insurance), can bump up the the total pretty high. I would be curious to hear what sort of costs you are getting. If are relativel...
by kirent
Sat Nov 26, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

Re: World Travel Insurance, Worth it?

Many of the travel insurance products sold are not worth it, in my opinion. They make a great deal of money for travel agents and other travel providers. These include baggage insurance, trip interruption, trip delay, trip cancellation, auto CDW, Medevac (except for Medjet, discussed below), and ge...
by kirent
Fri Nov 25, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

Re: How to become a "U.S. citizen residing overseas"?

CFM300 wrote: Can you completely severe ties with California for 2017? Perhaps you could switch everything over to a relative's address?
I do have family in income tax-free states, but I plan to reside back in California in 2018. It doesn't sound like it'll be an easy task.
by kirent
Fri Nov 25, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

Re: How to become a "U.S. citizen residing overseas"?

So for the 2017 calendar year, I will be outside of the US for the entire year, but I will be traveling around and won't exactly be a resident in any one area. Is there a way for me to obtain the "U.S. citizen residing overseas" designation, and if so how? What are the restrictions on such a design...
by kirent
Fri Nov 25, 2016 5:30 am
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

Re: How to become a "U.S. citizen residing overseas"?

Why do you need any kind of "US citizen residing overseas" designation? If you're not resident in a state, you don't pay state taxes. Just don't file. Or file a part-year tax return, if that's appropriate. There's a chance the state tax department will (eventually) send you a letter asking why you ...
by kirent
Fri Nov 25, 2016 4:51 am
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 4646

How to become a "U.S. citizen residing overseas"?

So for the 2017 calendar year, I will be outside of the US for the entire year, but I will be traveling around and won't exactly be a resident in any one area. Is there a way for me to obtain the "U.S. citizen residing overseas" designation, and if so how? What are the restrictions on such a designa...
by kirent
Fri Nov 25, 2016 4:29 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

Re: World Travel Insurance, Worth it?

Hey everyone and thank you for the responses. The trip with start off in South East Asia/East Asia, and will for sure have South America, and possibly either Europe or Africa. I will not have any US based health insurance. Since I will be out of the country for more than 330 days of the year, I will...
by kirent
Thu Nov 24, 2016 1:10 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

Re: World Travel Insurance, Worth it?

We use travel insurance for all of our major trips recently, but we've never had particularly long trips. We do have MedJetAssist, which is very specific: If one ends up as an INpatient, at least 150 miles from home, then their coverage kicks in. You can call them, and they will medevac you to the ...
by kirent
Thu Nov 24, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 4770

World Travel Insurance, Worth it?

So I'll be taking some time off to travel soon and was wondering what everyone's thoughts on travel insurance was? I'll be doing it for a year, and the coverage would be worldwide, and based on what I found on World Nomads, the total cost would be $1300 for the year. I just have a feeling that I wil...
by kirent
Thu Nov 17, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth In MAGI Phaseout, Best Course of Action?
Replies: 2
Views: 565

Re: Roth In MAGI Phaseout, Best Course of Action?

Thank you for your response. Is there a way I can start the Rollover process in 2016 but not have it finished until 2017 and be effective for the 2017 year?
by kirent
Wed Nov 16, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roth In MAGI Phaseout, Best Course of Action?
Replies: 2
Views: 565

Roth In MAGI Phaseout, Best Course of Action?

So I contributed $5500 to my Roth IRA at the beginning of the year, but it looks like my income for the year will end up being in the MAGI Phase Out zone. I was wondering what the best course of action would be given the following circumstances: 1) I will have NO earned income next year. I assume th...
by kirent
Thu Nov 03, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to a Roth IRA from "income" from a conversion?
Replies: 5
Views: 735

Re: Can I contribute to a Roth IRA from "income" from a conversion?

retiredjg wrote:It takes earned income (or "compensation") to qualify to contribute to an IRA.
Booooo :(. Thanks for the response!
by kirent
Thu Nov 03, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to a Roth IRA from "income" from a conversion?
Replies: 5
Views: 735

Can I contribute to a Roth IRA from "income" from a conversion?

So next year I will likely not have any earned income.

I plan to convert $43500 of the amount from a rollover traditional IRA to a Roth IRA.

Can I contribute $5500 separate dollars to the Roth IRA or does this not count as qualifying income?

Thanks for your help!
by kirent
Thu Dec 31, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: What are your New Year's resolutions for 2016?
Replies: 13
Views: 1080

What are your New Year's resolutions for 2016?

Just curious what everyone's New Year's resolutions are going to be? :) For me: Beyond core savings for retirement, I also want to save a bit more for a big trip. (I have concrete numbers for this). I plan to start a new exercise regimen that's more interesting. Currently I just go to the gym and th...
by kirent
Mon Dec 07, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: The Restaurant Experience
Replies: 75
Views: 6726

Re: The Restaurant Experience

Did you vet them out first on Yelp before trying them? I generally avoid any restaurants below 4 stars, and my experience eating out has generally been good.
by kirent
Tue Oct 13, 2015 1:48 am
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 6406

Re: Thinking of quitting job for a year of travel

Using a tour service (Intrepid, G Adventures, etc) is not really going to be necessary. Tour services come at quite a cost premium and are great when there isn't a well establish travel route and/or you are limited in time. And neither of these will be the case. You will not have trouble traveling ...
by kirent
Sat Oct 10, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 6406

Re: Thinking of quitting job for a year of travel

What field of work are you in? What will you say when you're asked why there's a gap in your resume? I work in Front-End Software Development. I would be honest and say I took the time off to travel the world and broaden my horizons. I do understand there is quite a bit of risk in what I am doing, ...
by kirent
Sat Oct 10, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 6406

Re: Thinking of quitting job for a year of travel

This of course requires that you have enough money to make the contributions and pay for the travel you're planning (the big IF), but logistically I would say you could continue contribute to contribute as long as you don't line the travel up with the tax year. If you front/back load your 401k cont...
by kirent
Sat Oct 10, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 6406

Re: Thinking of quitting job for a year of travel

Hey everyone and thank you so much for the responses! :) I will try to answer as many questions as I can below. My plan would be to do 6 months doing the entire continent of South America, 3 months in South (and parts of East) Africa, and 3 months in South East Asia. I plan to backpack using hostels...
by kirent
Sat Oct 10, 2015 1:33 am
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 6406

Thinking of quitting job for a year of travel

Hey everyone and thank you for all your financial guidance over the years! I haven't fully decided yet, but I am strongly considering quitting my job end of next year to travel for a year while I am still relatively young (late 20s). I wanted to go over two major points: the financial implications o...
by kirent
Mon Mar 09, 2015 12:26 am
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 5689

Re: Home workouts and motivation

I was bored with the gym also. About 4 years ago my wife and I decided we would try CrossFit for a few months. 3 years later we opened our own CrossFit box. Joining a box will definitley help with motivation and boredom. Not so much the wallet though. Another option is to order some basic equipment...
by kirent
Mon Mar 09, 2015 12:21 am
Forum: Personal Consumer Issues
Topic: Internet/Smartphone Usage in China? Security?
Replies: 7
Views: 819

Internet/Smartphone Usage in China? Security?

Has anybody here travelled to China and either accessed the Internet from Wi-Fi or through a local SIM/cellular usage? If so did you have any concerns about security when accessing internet accounts (email, banking etc.)? Did you use any VPN services etc.? I plan to go on a trip there but have been ...
by kirent
Wed Dec 03, 2014 1:44 am
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 4153

How do you rebalance?

Just curious how everyone goes about rebalancing. The end of the year is approaching and I'm assuming many people do some kind of financial planning during this time. Also curious on how you guys carry out the rebalancing act, especially for items in taxable accounts. I find that rebalancing between...
by kirent
Wed Nov 19, 2014 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 3726

Re: What financial tools/software do you use?

What are these Vanguard/Fidelity/Financial Institution's Programs that are getting many votes? I know of no program from Vanguard. Just the pie charts? Fidelity Full View, Vanguard Linked Online Accounts (CashEdge), which I believe is closed to new sign ups. Also some banks offer similar funcitonal...
by kirent
Wed Nov 19, 2014 12:44 am
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 3726

What financial tools/software do you use?

I was curious what kind of financial tools and software do you guys use? Whether it be for budgeting, managing investments and/or net worth tracking.

Was there a reason why you chose that tool/software over other choices?
by kirent
Mon Oct 20, 2014 1:41 am
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 16644

How do you wash your car?

Just curious on how everyone goes about getting their car washed. A side question that goes a long with that, how often do you go get a car wash, and how much do you pay? I'm debating which option is best to keep my car clean, I'm leaning towards the express car wash, and then finishing up anything ...
by kirent
Mon Feb 03, 2014 12:41 am
Forum: Forum Issues and Administration
Topic: Update E-Mail Addess
Replies: 1
Views: 551

Re: Update E-Mail Addess

User Control Panel -> Profile -> Edit Account Settings
by kirent
Fri Jan 24, 2014 2:24 am
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 5035

Re: Cheap Flights to Europe, where do you find them?

Thank you for all the responses everyone. I guess I learned to search for cheap flights first before picking out dates for tours or other arrangements. :oops:
by kirent
Tue Jan 21, 2014 8:08 pm
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 5035

Cheap Flights to Europe, where do you find them?

I'm looking to go on vacation to Europe during the summer season (Late June to Early July) and was wondering what would be the best way to get the cheapest tickets possible. I'm guessing that's probably when tickets are the priciest but am just looking for the best way to minimize the damage. Curren...
by kirent
Wed Oct 16, 2013 1:19 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 282
Views: 72166

Re: My New Car Buying Tips

Way too much work. For popular models, just go online and see what people have bragged about getting their car for in your area, and then just go to the same dealer and get the same price (sometimes they might say no though). You can email other dealers with the price, but I doubt you'd get a better...
by kirent
Wed Jun 26, 2013 5:29 pm
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 7319

Re: Is "buying organic" food worth it?

I like to buy grass-fed beef and pastured and organic fatty meats but for leaner cuts and vegetables I generally don't care that much.
by kirent
Mon Nov 05, 2012 3:08 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 21476

Re: Dear Bogleheads - time to pony up

How about a "Donor" title for people who donated $25 or more?
by kirent
Thu Sep 20, 2012 1:23 pm
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 17582

Re: Tapatalk Integration

Any updates?
by kirent
Fri Aug 03, 2012 10:49 am
Forum: Personal Consumer Issues
Topic: iOS and Android apps for this forum and others
Replies: 23
Views: 2370

Re: iOS and Android apps for this forum and others

I believe that native apps have more API access (like the Camera, Contacts etc. for iOS) and can be much faster than their browser counterparts (I believe you don't see it with Facebook because it's just a wrapper around their HTML5 Mobile website rather than a native app made with Objective-C/Java...
by kirent
Fri Aug 03, 2012 10:33 am
Forum: Personal Consumer Issues
Topic: iOS and Android apps for this forum and others
Replies: 23
Views: 2370

Re: iOS and Android apps for this forum and others

I believe that native apps have more API access (like the Camera, Contacts etc. for iOS) and can be much faster than their browser counterparts (I believe you don't see it with Facebook because it's just a wrapper around their HTML5 Mobile website rather than a native app made with Objective-C/Java).
by kirent
Tue Jul 31, 2012 1:18 pm
Forum: Personal Consumer Issues
Topic: Cell phone plan recommendations
Replies: 29
Views: 4887

Re: Cell phone plan recommendations

hicabob wrote: iphone4 for pageplus is a lot less than 650 each and the lack of a contract will enable you to take advantage of the expected lower data prices over the years.
http://www.ebay.com/sch/i.html?_nkw=pageplus+iphone+4
It's not exactly a fair comparison if we are comparing different phones is it?
by kirent
Tue Jul 31, 2012 12:55 pm
Forum: Personal Consumer Issues
Topic: Cell phone plan recommendations
Replies: 29
Views: 4887

Re: Cell phone plan recommendations

Another thing most people don't relize is even with the phone subisidy taken into account you pay more for verizon or AT&T then you do if you pay full price for the phone and use prepaid. Is that really true though? Please correct me if I'm wrong, but looking at a comparison between Verizon and Pag...
by kirent
Wed May 09, 2012 12:01 am
Forum: Investing - Theory, News & General
Topic: Are there any Ex-Bogleheads?
Replies: 110
Views: 10983

Re: Are there any Ex-Bogleheads?

why is frugality a controversy? If nothing is leftover - your investment style doesn't really matter. Frugality is important to the boglehead approach. I disagree. I think you can save without being frugal. For instance, assume someone takes home $100k after taxes, and automatically saves $50k. Wit...
by kirent
Tue May 08, 2012 11:42 am
Forum: Investing - Theory, News & General
Topic: Are there any Ex-Bogleheads?
Replies: 110
Views: 10983

Re: Are there any Ex-Bogleheads?

The Boglehead principle is NOT frugality; it is "Invest early and often." Some people may need to be quite frugal to do that; others can do it while indulging in any variety of economic frivolity. I think I agree. I think that if you save enough money to meet your retirement and other financial goa...
by kirent
Tue Apr 10, 2012 3:09 pm
Forum: Personal Consumer Issues
Topic: ooma discount code
Replies: 9
Views: 1757

Re: ooma discount code

Is there a reason to use Ooma over Obihai?