Search found 1601 matches

by archbish99
Thu Nov 16, 2017 3:49 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 71
Views: 9963

Re: 55+ Early retirement offer.

It seems likely that you would qualify for a plan through the ACA, if nothing else. You might even qualify for a tax credit and/or cost-sharing reduction, depending on how your year of salary lands versus the time you'd need to start getting private insurance. However, weigh carefully the current po...
by archbish99
Wed Nov 15, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1216

Re: Managing 401k after Job Change

Thanks -- there's a lot of useful info here. In the interest of simplifying, I'm considering not retaining the tilt and using the IRA to hold Extended Market rather than SCV, but in general I think this is a good framework for how to restructure things. It looks like the added ER of keeping the chea...
by archbish99
Wed Nov 15, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1216

Re: Managing 401k after Job Change

1. Your stock to bond allocation is extremely low for someone of your age. A more normal allocation would be something like 80% stocks, maybe 70% at a push. Over the long timeframe you have before retirement, a 50% stock portfolio is almost certain to underperform a portfolio with a higher percenta...
by archbish99
Wed Nov 15, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1216

Re: Managing 401k after Job Change

Yes, in both old and new 401ks, the BrokerageLink lets me pull money into a brokerage account. I can then buy nearly any Fidelity mutual fund, or (for a pretty reasonable commission) buy ETFs, or (for a pretty ugly commission) buy most other companies' mutual funds. The new 401k has a $2,500 minimum...
by archbish99
Wed Nov 15, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1216

Managing 401k after Job Change

Emergency funds: $12k in CDs and Savings Debt: Mortgage, 5/5 ARM (2/2/5), $417k @ 3.25% until March 2022 Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 0% State State of Residence: Washington Ages: 36 & 34 Desired Asset allocation: 50% stocks / 50% bonds Desired International allo...
by archbish99
Sat May 27, 2017 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Pay Down 401k Loan vs Mega Backdoor Roth
Replies: 13
Views: 1589

Re: Pay Down 401k Loan vs Mega Backdoor Roth

A 401k loan represents two things at once. It's a bond investment inside your 401k, and it's a non-deductible loan outside your 401k. It's only worthwhile if both of those are things you would do anyway. I get wanting to use the 401k interest as a way to boost your bond "returns," but what you're re...
by archbish99
Mon May 15, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Dual-fuel and multi-zone HVAC?
Replies: 6
Views: 914

Re: Dual-fuel and multi-zone HVAC?

Oh, and as to Nest versus Ecobee, which seem to be the main smart tstats: I've heard strong arguments for both. The Ecobee ($50 more, after rebates on each from our power company) has the advantage of the remote temperature sensor, but what I've heard from owners is that it really just averages the ...
by archbish99
Mon May 15, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Dual-fuel and multi-zone HVAC?
Replies: 6
Views: 914

Re: Dual-fuel and multi-zone HVAC?

The first person we had come out took one look at our ducts and said we're not a good candidate for zoning. His opinion was that our ducts are ideal for heat, but poor for cooling. He thought we might get adequate cooling upstairs if we add an extra return, but said if we want to ensure good cooling...
by archbish99
Tue May 02, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Dual-fuel and multi-zone HVAC?
Replies: 6
Views: 914

Dual-fuel and multi-zone HVAC?

I suspect I know the answer to this, but I'm new to the gory details of HVAC wiring and mechanics, so I want to make sure I haven't missed something. We're meeting with the HVAC folks who did our old furnace on Thursday to talk about upgrading to a dual-fuel heat pump / furnace combo so we get air c...
by archbish99
Sat Mar 11, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Money, Children, Trusts, Oh My! - Parenting Tips Requested
Replies: 16
Views: 2183

Re: Money, Children, Trusts, Oh My! - Parenting Tips Requested

If you're not worried about having a large estate, why do you care about the annual exclusion anyway? You have $11M in lifetime gift exemption; if you're not expecting to need that at death, you can use it anytime you want. Forget the annual gift limits.
by archbish99
Tue Feb 28, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Disability Insurance
Replies: 43
Views: 3284

Re: Physician Disability Insurance

I guess when you are buying an individual disability insurance policy you're not getting what you paid for - the insurance agent is the one getting what you paid for. No, based on that, the insurance agent isn't getting what you paid for, they're getting (some of) what you paid for it. Less sarcast...
by archbish99
Wed Feb 15, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Another Newbie Tax Question!
Replies: 15
Views: 870

Re: Another Newbie Tax Question!

Yes, I'm perfectly happy to let the brokerage keep the records. It's certainly possible that they'll mess up, so you should spot-check occasionally -- but I haven't found them to be wrong, except in corner cases (employer stock plans, for example) where you already know you should be keeping close r...
by archbish99
Wed Feb 15, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for early-ish retirees? [type of account for pre-59.5 expenses]
Replies: 9
Views: 1262

Re: Investing for early-ish retirees? [type of account for pre-59.5 expenses]

I'll second all the above comments about Roth accounts and making use of your low-tax-rate space. Note that your tax rate likely goes up substantially if 'we' becomes 'I' through any possible path; that's another reason to convert aggressively while you have married tax brackets to work with. In ter...
by archbish99
Fri Nov 04, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 93
Views: 6412

Re: Help me understand dividends

The company is earning money over time, assuming it's profitable. It's your part-ownership of this earned money that causes the stock price to increase between dividend payments; and then the money is paid out and you actually have your share of the money that you part-owned. From a long-term invest...
by archbish99
Fri Nov 04, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Insurance/Tax Question: HVAC system ruined by Possum
Replies: 5
Views: 799

Re: Insurance/Tax Question: HVAC system ruined by Possum

My homeowner's contains an exclusion for "vermin." A possum would likely qualify. But fundamentally, the answer comes back to something you haven't provided: What does your policy say? Get it out and read.
by archbish99
Wed Sep 14, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 13810

Re: How much vacation time do you get at work?

Some of you get 11 to "two weeks" of holidays? Please satisfy my curiosity and tell me what they are! What the heck, you kids get Groundhog and Earth Day off? ⋅ New Year's Day ⋅ Martin Luther King Day ⋅ Presidents Day ⋅ Memorial Day ⋅ Four...
by archbish99
Mon Aug 15, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts over $14000
Replies: 15
Views: 2976

Re: Gifts over $14000

And to make it even more confusing it is through a joint account. Would it be required to report each year that the gift is over 14k or would it be required to report once the joint accounts are made individual. For example if the accounts were linked between parents and their children. I don't thi...
by archbish99
Thu Aug 11, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 13810

Re: How much vacation time do you get at work?

On my Sick Leave... I use what I have to, but only for Sick, Dr Appointments, etc... When I retire, I get paid for my unused sick hours, at my max pay rate during my employment... and I currently have a sick leave balance of 2207.75 hours. That will be a nice check at retirement time... that is if ...
by archbish99
Thu Aug 11, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 13810

Re: How much vacation time do you get at work?

3-5 weeks vacation, depending on seniority (Currently at 4). 2 weeks sick time, though for slight overages my manager has said he'll be flexible (since it resets every year and I almost never use it all). 12 paid holidays, of which two are "floating" (meaning they can be used like vacation...
by archbish99
Wed Aug 10, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts over $14000
Replies: 15
Views: 2976

Re: Gifts over $14000

Yes, gifts to a couple can be divided between them (or however you find convenient). If you are also married, your spouse may elect to count half of your gift as "from hir," which would give you $56k/year between two married couples. It doesn't matter that the account is joint, it matters ...
by archbish99
Fri Jul 01, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 108
Views: 26578

Re: How to get a real Chip and Pin card?

It seems like there are levels within Chip & Pin, and people disagree about how far down the road you have to go to be considered "real." ⋅ Supports online PIN in addition to signature ⋅ Supports offline and online PIN in addition to signature ⋅ PIN prefer...
by archbish99
Wed Jun 29, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Internal Position - Wasn't Interviewed
Replies: 33
Views: 3752

Re: Applied for Internal Position - Wasn't Interviewed

Depends what you have in writing and how big a stink you want to make, I suppose. Suing a current employer with whom you wish to remain employed, however, is not generally a wise tactic, even if the law might be on your side. I'd start by keeping this a personal issue amongst the people involved, in...
by archbish99
Mon Apr 18, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 76009

Re: Free Windows 10 Upgrade, Yes or No?

Fast start basically replaces a traditional shutdown with logoff-and-hibernate unless the system has a reboot pending (e.g. for updates). In my simple mind, "on" means "on" and "off" means "off." I guess with Windows 10, "off" really means "hib...
by archbish99
Fri Apr 15, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 76009

Re: Free Windows 10 Upgrade, Yes or No?

I had an annoying problem of the machine shutting down on the first boot-up and then starting flawlessly the second time. That problem was solved by turning off fast start. You sure this wasn't some kind of resume from hibernation or sleep mode bug? Almost certainly an issue with hibernation. Fast ...
by archbish99
Fri Apr 15, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 4701

Re: Win 10 issues [Windows 10]

You'd have to be more specific.... Do you want to disable the touchscreen, or a specific app's behavior when you pinch, or...?
by archbish99
Tue Apr 05, 2016 7:24 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 9153

Re: Are you planning to leave an "estate"?

In some respects, it is security, or at least the likely outcome of security. If you have accumulated enough that in your worst-case scenario you don't run out of money, in the majority of cases you will have money (often a substantial amount) left over.
by archbish99
Tue Apr 05, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 4826

Re: Paying for kid's graduate school?

Middle-ground: Loan him the money. Match the terms of the most generous student loans (deferred payments and interest while in school, for example), but draw up a loan contract and sign it. You always have the option of partially or totally forgiving the loan later, after all. (The caveat here is th...
by archbish99
Thu Mar 31, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 6538

Re: Windows 10

Happy to help! BTW, I think the FAQ is actually referring to the actual Windows 7 software -- the one you point to describes other types of keys which aren't compatible with the Windows 7 ISOs also available for download at that site. Not the clearest possible, when you can now use a Win7 key with W...
by archbish99
Mon Mar 28, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 6538

Re: Windows 10

Thank you for the link which I was unaware. I checked however and in their FAQ section it says that I need a product key which I do not have since it previously had a factory install of Windows 7. The FAQ says creating a USB install disk will not work in that instance. I believe that to be incorrec...
by archbish99
Wed Mar 23, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Tax Implications for 529 Plan Contributions
Replies: 1
Views: 336

Re: Gift Tax Implications for 529 Plan Contributions

No, I don't believe so. You can contribute directly to the 529, in which case it's considered a gift to the beneficiary but your son gets no tax benefit. Or, you can give to your son, in which case it's a gift to him and you're over the $14k annual exclusion for annual gifts to him. However, there's...
by archbish99
Wed Mar 23, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Contractors and Tax Evasion
Replies: 5
Views: 1005

Contractors and Tax Evasion

Let's say that you have a handyman, properly licensed, who has done good work for you in the past and you're generally happy with. However, he's recently revamped his pricing and now charges $XX/hour if paid by check -- or $YY/hour if paid in cash. The obvious assumption is that he "can" c...
by archbish99
Mon Mar 21, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 6538

Re: Windows 10

I used to have a laptop before Microsoft killed it. It had Windows 7 and I didn't catch the update for 10 and it proceeded with the install. Next thing I know, the laptop just keeps rebooting over and over never progressing further in the install. The only way forward now (according to several foru...
by archbish99
Thu Mar 10, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Re: Recharacterization with Multiple Accounts at Vanguard

For the purposes of recharacterization, Vanguard treats all Roth IRAs as a single account, and looks at the account totals as of the date of each conversion in calculating the gain/loss for a recharacterization. I think you mean to say: For the purposes of recharacterization, Vanguard considers all...
by archbish99
Wed Mar 09, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 108
Views: 26578

Re: How to get a real Chip and Pin card?

As part of my Delta AmEx switch to an EMV chip, I was told that if I'm prompted for a PIN, I should enter the CVV code from the front of the card. That implies the card is willing to negotiate PIN, though I haven't actually had that happen.
by archbish99
Wed Mar 09, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Re: Recharacterization with Multiple Accounts at Vanguard

I am wondering, when you did the conversion, was it one transaction (confirmation number) or the same date when you took money out of the TIRA and put it into 3 empty (new) Roth accounts? If so, that would account for the recharacterization having to look at all three Roths. Each time I convert, I ...
by archbish99
Tue Mar 08, 2016 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Re: Recharacterization with Multiple Accounts at Vanguard

Is it possible to get an actual separate account, and not just a subaccount? It has its own account name, account number, etc., all of which made me think I had a separate account.
by archbish99
Tue Mar 08, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Re: Recharacterization with Multiple Accounts at Vanguard

No; the Roth accounts are all MF; no brokerage, so no MM funds.

In my case, there are three accounts, each with a different asset class. Two had conversions and recharacterizations, but all three were included in the balance calculations.
by archbish99
Tue Mar 08, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Re: Recharacterization with Multiple Accounts at Vanguard

No; every time I run across the migration page, it says I'm not eligible yet. Wish it would tell me why I'm not eligible.... The website has been updated, but I still have separate mutual fund and brokerage accounts. Good to know it's a problem they've probably solved in the future platform, at least.
by archbish99
Tue Mar 08, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization with Multiple Accounts at Vanguard
Replies: 22
Views: 2255

Recharacterization with Multiple Accounts at Vanguard

I attempted to do the split account technique described here (among other places) this past year. When Vanguard calculated the amounts to transfer back to Traditional, however, they came up with different numbers than I did. I called to inquire about the difference, and learned something interesting...
by archbish99
Wed Feb 03, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage modification vs refinance - $750 fee seems like a lot?
Replies: 13
Views: 1680

Re: Mortgage modification vs refinance - $750 fee seems like a lot?

If you think you might move soon, take a look at PenFed's 5/5 ARM as well. Currently at 2.625% for the first 5 years, then adjusts a maximum of 2% every five years thereafter. I don't think they have their "zero closing costs" deal any more, but there's no origination fee, anyway.
by archbish99
Mon Jan 25, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 17242

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

Is YNAB all online or are the 2 separate versions? There are two versions. YNAB4 was desktop software which optionally used Dropbox for sync with the mobile clients. All the docs about it are still available at m, though I don't see an obvious "purchase" link -- obviously, they'd like you...
by archbish99
Wed Jan 20, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 17242

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

No, there's no conversion (even from old versions of YNAB at the moment, though they're working on that). The storage is in AWS, and there's been no stated limit. They have declined the idea of attaching receipt images to transactions for now, because of the space it would consume, so I would conclu...
by archbish99
Mon Jan 18, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 17242

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

The new (online) YNAB has history for as long as you've entered it. While they won't download your history from forever ago, once you've started using it, it doesn't look like anything gets thrown away.
by archbish99
Thu Jan 14, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Value in different 401k investments between subaccounts?
Replies: 2
Views: 406

Re: Value in different 401k investments between subaccounts?

I haven't needed to worry about it because I've been all fixed income contributions over the past few years but in your case I would have the after tax all in fixed as the time out of market when you roll it over won't matter much since you didn't sell any stocks. There's actually no time out of th...
by archbish99
Wed Jan 13, 2016 6:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 389
Views: 201567

Re: Suggestions for the Wiki

https://www.bogleheads.org/wiki/Purchase_fee lists four funds as charging a purchase fee, but Vanguard lists five. The wiki is missing Tax-Exempt Bond Index Admiral Shares (VTEAX).
by archbish99
Tue Jan 12, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Value in different 401k investments between subaccounts?
Replies: 2
Views: 406

Value in different 401k investments between subaccounts?

My 401k recently introduced the ability to limit transactions to a particular sub-account, or to assign different investment allocations to various sub-accounts. I've re-read the Tax-Efficient Fund Placement wiki page, and I'm still not sure whether this is worth the effort. At this point, I have fi...
by archbish99
Wed Dec 23, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Private (Intrafamily) Mortgage
Replies: 11
Views: 1353

Re: Private (Intrafamily) Mortgage

How would capital gains be structured in intrafamily mortgage situation? He wouldn't be receiving $200,000 for the property up front, so would he pay capital gains on the principal part of our payments? Think of the money flow in stages, not in net amounts. The mortgage and the home purchase are tw...
by archbish99
Tue Dec 15, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 7741

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

Nobody has suggested simply not reporting the money at all. I'm assuming it's because I made it clear in the OP that I wanted a legal course of action. I certainly don't want anyone to help me break the law, but what's the consequences of not reporting it? A possible penalty and the owing of the ta...
by archbish99
Sun Dec 13, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 7741

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

if you are "friendly" with your boss, ask him to ask his "CPA" for a written, signed opinion to support his recommendation. That way, if the IRS ever comes calling, your friendly boss will have an written (cya) excuse and be able to request that the IRS waive penalties for under...
by archbish99
Fri Dec 11, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 20392

Re: Boglehead cell phone strategy

I'm a fan of the MVNOs, in particular I these days I use Ting. It's on Sprint, you can bring in virtually any Sprint phone (or buy one) including iPhones. Pricing is very reasonable, no contracts, and billing is automatically based on amount of usage of each category (minutes, data, texts) for each...