Search found 599 matches

by icefr
Thu Nov 29, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd marriages - any debt or credit implications
Replies: 4
Views: 612

Re: 2nd marriages - any debt or credit implications

Possibly! It sounds like a prenup or at least the discussions of one and its process could help them.
by icefr
Wed Nov 14, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6813

Re: Wait, do I need a prenup?

I found it to be impossible to keep the gains on pre-marital 401(k) balances separate property per our state law, so we ended up keeping retirement accounts entirely separate in our agreement. I care less about the current balance and more about the growth on that balance over 30 years because assum...
by icefr
Wed Oct 03, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2093

Re: What's the best method for immediately selling off my ESPP shares?

I always calculated the minimum share price to not end up with a loss after commissions and did a limit order for that. Why did I not want a loss? I often had new shares being purchased within 30 days and didn’t want to end up with a wash sale. Why is a wash sale a problem? I mean, I see why you wa...
by icefr
Sun Sep 30, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2093

Re: What's the best method for immediately selling off my ESPP shares?

I always calculated the minimum share price to not end up with a loss after commissions and did a limit order for that. Why did I not want a loss? I often had new shares being purchased within 30 days and didn’t want to end up with a wash sale.
by icefr
Fri Aug 24, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Pay off mortgage with 5.12% interest rate?
Replies: 12
Views: 909

Re: Pay off mortgage with 5.12% interest rate?

I would either refinance or pay it off. We recently refinanced with Third Federal to a new ARM and got a good rate.
by icefr
Sat Aug 04, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO with Family Planning
Replies: 16
Views: 1079

Re: HDHP vs PPO with Family Planning

Not all HDHPs are the same. I would review carefully. Ours has a $3,000 family deductible, a $3,000 individual out of pocket maximum and a $6,000 family out of pocket maximum. So if one person uses all of the services, then you don’t pay anything more once they hit their individual out of pocket max...
by icefr
Fri Aug 03, 2018 10:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 106
Views: 22246

Re: Seattle Area Chapter Meetings - Master Thread

TheMadEph wrote:
Wed Aug 01, 2018 11:30 pm
Eastside should have their own chapter... Seattle meetups should be in Seattle proper, so people can walk, bike, transit to the meetup. Eastside is a mess of horrible traffic.
+1
by icefr
Mon Jun 25, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Mobile deposit of Rollover Check
Replies: 15
Views: 1266

Re: Mobile deposit of Rollover Check

I was able to deposit these checks into my Vanguard Roth IRA from my iPhone in 2015 and 2016, if that helps at all.
by icefr
Wed Jun 20, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: ARM options, thought process
Replies: 8
Views: 922

Re: ARM options, thought process

2022 is a long ways away to really worry about what the rates will look like. We just refinanced into a new 5/1 ARM with Third Federal Bank on a 10 year amortization at 3.09% a few months ago. Our plan is to pay about 1/5 of it each year for the next five years and then it’ll be paid off. That’s the...
by icefr
Tue May 15, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bringing individual assets into joint account
Replies: 27
Views: 1387

Re: Bringing individual assets into joint account

One thing I would caution is how the cost basis gets transferred if you move the account from individually titled to jointly titled. I did some similar research this year because my husband transferred some separate shares to my separate taxable account. The cost basis was a huge pain to transfer ov...
by icefr
Tue Apr 03, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I refi and still get a lower rate right now? UPDATE: Bonus HELOC??
Replies: 31
Views: 2819

Re: Can I refi and still get a lower rate right now?

Awesome, Tamarind! Hope it works out well for you. We just closed on the same mortgage terms and things went mostly smoothly and quickly. It only took us 5 weeks to close from application. We refinanced from a 5/1 ARM that had just had its first adjustment to 4.125% so we are very happy with the 3....
by icefr
Tue Apr 03, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I refi and still get a lower rate right now? UPDATE: Bonus HELOC??
Replies: 31
Views: 2819

Re: Can I refi and still get a lower rate right now?

Awesome, Tamarind! Hope it works out well for you. We just closed on the same mortgage terms and things went mostly smoothly and quickly. It only took us 5 weeks to close from application. We refinanced from a 5/1 ARM that had just had its first adjustment to 4.125% so we are very happy with the 3.0...
by icefr
Thu Feb 22, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 3481

Re: Is a prenup required to establish a list of separate property before marriage?

Does anyone want to bite on whether the value of the equity in a house owned by one person before a marriage can be considered separate property in the event of a divorce, if the couple refinanced the house after marriage, resulting in both their names ending up in the deed? If a prenup doesn't hel...
by icefr
Tue Feb 20, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Third Federal Mortgage experience
Replies: 7
Views: 1497

Re: Third Federal Mortgage experience

Thanks tenkuky! Hope it works out for us. I do plan to ask our current lender if they will match Third Federal’s terms before we fully commit to the loan, but it seems like a good strategy.
by icefr
Mon Feb 19, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Third Federal Mortgage experience
Replies: 7
Views: 1497

Re: Third Federal Mortgage experience

Do you still have your mortgage with Third Federal? Are you happy with them as a servicer? How has making extra principal payments been? What did they do with the property tax payment they wanted upfront at closing when you aren't escrowing? I noticed that in our application and was a little confus...
by icefr
Sun Feb 18, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Third Federal Mortgage experience
Replies: 7
Views: 1497

Re: Third Federal Mortgage experience

Do you still have your mortgage with Third Federal? Are you happy with them as a servicer? How has making extra principal payments been? What did they do with the property tax payment they wanted upfront at closing when you aren't escrowing? I noticed that in our application and was a little confuse...
by icefr
Mon Feb 12, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Refinance into new ARM or 10 year FRM?
Replies: 2
Views: 475

Re: Refinance into new ARM or 10 year FRM?

Nothing extra has been paid to principal in over three years now. I bought the place when my single income was 1/3-1/4 of our now current household income, so the mortgage isn’t nearly as stressful now as it was at the beginning. At 5 years, with the balance around $62,000, we could quite easily pay...
by icefr
Sat Feb 10, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance into new ARM or 10 year FRM?
Replies: 2
Views: 475

Refinance into new ARM or 10 year FRM?

Current mortgage is a 5/1 ARM that recently adjusted from its initial 2.50% to 4.125%. It will continue to adjust every 12 months going forward. 300 months remaining. Balance is ~$115,000. At today's index value, it would reset next to 4.50%. It was a huge shock to go from $240 in interest with Janu...
by icefr
Sun Jan 14, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401K sub-accounts juggling: making sense? actionable?
Replies: 2
Views: 342

Re: 401K sub-accounts juggling: making sense? actionable?

I’ve always invested Roth 401(k) funds as I would invest Roth IRA funds and the rest of the 401(k) separately, for this reason. Then when I left that first job, i rolled the Roth 401(k) into my Roth IRA and the Traditional 401(k) portion to my new 401(k).
by icefr
Sun Dec 24, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Problem donating VTSAX shares to Schwab Charitable
Replies: 19
Views: 1261

Re: Problem donating VTSAX shares to Schwab Charitable

2) Is there any way to avoid having this happen in the future? Should I include an extra note in the Schwab material? Or call Vanguard next time to give them extra instructions? I have a Schwab DAF and I decided just to set up a taxable account at Schwab to make such transfers easier. I transferred...
by icefr
Sat Dec 23, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Problem donating VTSAX shares to Schwab Charitable
Replies: 19
Views: 1261

Re: Problem donating VTSAX shares to Schwab Charitable

2) Is there any way to avoid having this happen in the future? Should I include an extra note in the Schwab material? Or call Vanguard next time to give them extra instructions? I have a Schwab DAF and I decided just to set up a taxable account at Schwab to make such transfers easier. I transferred...
by icefr
Thu Jul 20, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 1967

Re: COBRA For 1 Month (?)

You are missing nothing. I would absolutely hold off on enrolling in COBRA. The catch is that if you do have healthcare usage planned, then I would compare the cash cost of the healthcare versus the cost of paying for COBRA and how much it would cost then.
by icefr
Wed Jul 05, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, RSUs Vesting and Roth IRA contribution
Replies: 5
Views: 885

Re: Retired, RSUs Vesting and Roth IRA contribution

I just recently retired from a Megacorp with a generous policy for retirees relative to RSUs. All of my remaining RSUs will vest on the next regularly scheduled vesting date in 2018. I have a small pension, but no W2 income, and I'm not planning to start SSI for a few more years. I would like to ma...
by icefr
Fri Jun 23, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fees for selling ESPP shares
Replies: 3
Views: 615

Re: Fees for selling ESPP shares

At my last ESPP, the selling fee was $7.95, which was pretty reasonable. You should be able to inquire about this information from the custodian.
by icefr
Wed May 17, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 7079

Re: Can we afford a 800K house?

After two weeks in the Seattle housing market - houses listed 600K are bid up to 800K while houses listed at 800K are bid up to 950-$1mil. The house we wanted to buy at $750K had double digit bids and closed at 920K. The next round - we liked a house for 850K went with an offer with escalation till...
by icefr
Sat May 13, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Please assess our financial situation; grateful for any advice :)
Replies: 18
Views: 3150

Re: Please assess our financial situation; grateful for any advice :)

When is your wedding date? If it is in 2017, then you will need to file your taxes as Married for 2017 even if you marry on December 31st.

How much do your RSUs/ESPP/bonus usually add up to? How much do you plan to add to investments this year?
by icefr
Thu May 04, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA accounts - How to handle
Replies: 4
Views: 916

Re: Multiple HSA accounts - How to handle

yes, you can transfer from one to the other. Custodian to custodian is simplest. The banks should have the forms on their website... it's not fast (mine took 6 weeks) but gets done. Consolidate into the most favorable (fees, investment options) If you won't be contributing on your own (if you have ...
by icefr
Tue May 02, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 5825

Re: Buying a diamond ring

Mine was bought from James Allen and I love it! We got the matching band and the engagement ring for less than a friend spent on just the engagement ring by buying online. One catch is to watch for their return/resizing timeline in case it needs to be adjusted as it isn't an infinite amount of time....
by icefr
Sat Apr 22, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 20
Views: 5149

Re: Reached 50% of my "number" today

Congrats! I hit 50% for the first time last spring. I went back under 50% in the summer/fall and haven't quite re-hit 50% again, but that's life and I'm still close :)
by icefr
Thu Apr 20, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast vs. Investing vs. ??
Replies: 14
Views: 2031

Re: Mortgage Recast vs. Investing vs. ??

If the $100k is your pre marriage money then putting it into the mortgage is also commingling it. Personally, I would invest it in an account in just your name if it's your pre marriage money. But others on the forum have different ideas of marriage than I do. So would you invest the full $100k int...
by icefr
Thu Apr 20, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast vs. Investing vs. ??
Replies: 14
Views: 2031

Re: Mortgage Recast vs. Investing vs. ??

If the $100k is your pre marriage money then putting it into the mortgage is also commingling it. Personally, I would invest it in an account in just your name if it's your pre marriage money. But others on the forum have different ideas of marriage than I do.
by icefr
Sun Apr 16, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 32287

Re: Age when you started to max out your retirement accounts?

Maxing out Roth since I was 19 and started co-oping (like an internship) in undergrad. Maxed out 401k for a few years in the early 2000s, but not since then. Partly it's because I'm planning to move from a no-income-tax-state to an income-tax-state, and so I think my tax rate will rise. Partly it's...
by icefr
Wed Apr 12, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 2074

Re: Married filing separately and tax fraud

Is this a community property state?
by icefr
Sat Apr 01, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 3728

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

If you have enough money in a taxable account to pay off your mortgage, can you do that? Then keep the house in your name as sole and separate property, and that will free up some cash flow to help pay down the debt if you are so inclined. Protect yourself! Don't put the house anywhere at risk, or ...
by icefr
Fri Mar 31, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed for 2-3 days- potential benefits
Replies: 24
Views: 2816

Re: Unemployed for 2-3 days- potential benefits

Since income and finances are handled annually... probably not. If you are not insured for those 2 days, don't get sick or hurt! Rolling over any 401k to new employer would have to be done... when you are employed. Why would anyone want to roll their 401k to a new company one? Wouldn't you always w...
by icefr
Sat Feb 25, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions - wife starting new job
Replies: 9
Views: 1244

Re: Portfolio questions - wife starting new job

1. You have the right idea here. Max out th ESPP and sell it as soon as it is purchased. Do pay attention to whether it is sold at a gain or at a loss when you do the sales if any other shares will be bought within 30 days to avoid a wash sale. The discount will be taxed at ordinary income if you se...
by icefr
Mon Feb 20, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 1099-DIV or individual entries
Replies: 10
Views: 1636

Re: Consolidated 1099-DIV or individual entries

When you file, schedule B does not ask for EIN of the payer. So, the IRS will (almost) certainly only be able to match the total with the total of the 1099-DIV's it gets. The previous advice, to do a single entry, is the way to go. My vanguard 1099-DIV form has a different payer Id for each mutual ...
by icefr
Sun Feb 19, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a marriage tax penalty in this situation?
Replies: 10
Views: 1384

Re: Is there a marriage tax penalty in this situation?

The only way to know if they will have a penalty or a bonus is to run the numbers both Single and Married and see which way is best. I'm doubtful they would see a tax though at those income rates.
by icefr
Sat Feb 18, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 3479

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

We also keep our finances separate and we agreed the marriage tax bonus/penalty is jointly split in half. We made three returns in TurboTax: 1) Her as Single 2) Him as Single 3) Married: played around with TurboTax and determined Married Filing Jointly was better than Married Filing Separately this ...
by icefr
Wed Feb 15, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier Online Deal?
Replies: 18
Views: 3198

Re: TurboTax Premier Online Deal?

Everyone who's cheerleading for "saving" via the download version: how much did you actually pay? I went with the online Premier plus $20 discount via the USAA link I provided. Total: $76 for prep and e-file both federal and CA. For comparison I searched for the download version, found a couple: In...
by icefr
Sat Feb 11, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 3150

Re: Netspend 1099's?

I got two 1099-INT forms from Metabank, one for each of the Netspend prepaid cards that I had. Neither of the amounts match the amount of interest that I received according to my records. Between the two forms, they're showing I received ~$2 more interest than I actually did. The IRS says the follow...
by icefr
Sun Jan 29, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth & earned income
Replies: 2
Views: 347

Re: Backdoor Roth & earned income

Yes so long as their combined income is sufficient to make both IRA contributions. If you are under the combined income limits though you can use the front door for the Roth IRAs.
by icefr
Thu Jan 19, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Paying back college loan debt
Replies: 15
Views: 1673

Re: Paying back college loan debt

Given those interest rates, I would definitely consider contributing to a Roth IRA before paying down your student loans.
by icefr
Sat Jan 14, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 16819

Re: Turbo Tax 2016 purchase source

rgs92 wrote:I'm not sure why anyone would need software on a CD these days.
The CD comes with both Mac and PC installers whereas the download only comes with one. My household has both types of computers, so this is quite helpful.
by icefr
Fri Jan 06, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing a 2.75% Mortgage Rate?
Replies: 16
Views: 4000

Re: Refinancing a 2.75% Mortgage Rate?

I wouldn't do it for the same reasons people outlined previously.
by icefr
Fri Jan 06, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 5106

Re: Is a prenup always necessary when remarrying?

I can't see him ever getting greedy or ugly. Then he should not mind signing a pre-nup, right? Do you think anyone just getting married can envision their partner getting greedy or ugly? You're right - I guess I am just trying to determine whether I need one if the state already says that my pre-ma...
by icefr
Mon Jan 02, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor from Fidelity to Vanguard
Replies: 8
Views: 1378

Re: Mega Backdoor from Fidelity to Vanguard

I was in a similar situation at my last job and I elected to front load the 401(k) contributions while living off of cash savings and non-paycheck income. Then once I had made all of my after-tax 401(k) contributions for the year, I would request the check from Fidelity. It usually took less than a ...
by icefr
Mon Jan 02, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate new job offer with no 401k match
Replies: 14
Views: 1417

Re: Help evaluate new job offer with no 401k match

That match on your current job works out to $2,640 per year. Are there any other benefits that you can compare? ESPP, employer HSA contributions, differences in health care costs? If not, have you tried negotiating for a bit more something else to compensate?
by icefr
Sat Dec 31, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should we itemize or take the standard deduction?
Replies: 8
Views: 952

Re: Should we itemize or take the standard deduction?

I would just run it both ways in your tax software and then choose whether to itemize or take the standard deduction based on which one results in the lower combined federal tax.

I'm not sure what the expenses you listed have to do with anything.