Search found 212 matches

by doss
Mon Feb 18, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Are Should I label employer 401k contributions as "income" or "transfers" in finance software (Mint.com)?
Replies: 11
Views: 313

Are Should I label employer 401k contributions as "income" or "transfers" in finance software (Mint.com)?

I use Mint.com for a big picture overview of my finances. I notice that when my employer makes a 401k contribution, Mint.com is labeling that as "income". Thus, when I view my NET INCOME OVER TIME in Mint's TRENDS page, Mint is also using the contributions as data. Should the contributions be labele...
by doss
Fri Feb 15, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or 529 PLan
Replies: 63
Views: 1832

Re: Invest or 529 PLan

This site has an investments prioritization wiki page....is it possible some of the gurus can do something similar for college planning/529s? Perhaps say things like "if you're income is above XXX, and you have maxed out your retirement accounts, then do THIS". The more I read about 529s and how fam...
by doss
Wed Feb 06, 2019 1:15 pm
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 117
Views: 17098

Re: St Louis Bogleheads

I am new to the area. Would be interested in attending. Thanks!
by doss
Wed Jan 30, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 19
Views: 1729

Re: How much life insurance for cancer survivor? OR, can I even get insured?

Hello all, went through the motions (full medicala exam, etc) and my agent shopped around and got 2 companies to bid, but one of those has yet to return a quote because my current oncologist is taking forever to respond with additional documentation. However, I did get a quote from the other and it ...
by doss
Mon Jan 21, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 50
Views: 3732

Re: Have you searched for your unclaimed property?

$34 for me and $150 for my brother! Thanks!

Now, I also need to check another state but their site is down at the moment...
by doss
Sat Jan 19, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: FIL diagnosed with Alzheimers/Dementia at age 55 -- any advice for financial help?
Replies: 8
Views: 1155

FIL diagnosed with Alzheimers/Dementia at age 55 -- any advice for financial help?

Hi all, My father-in-law was diagnosed with Alzheimer's/Dementia late last year at age 55. He currently can not hold a job. I offered to help the family do research and check to see if he can collect some kind of disability from social security. He is currently divorced and lives alone. Anyone been ...
by doss
Tue Jan 15, 2019 11:29 am
Forum: Personal Investments
Topic: Sell taxable to fund prior year (2018) HSA?
Replies: 3
Views: 264

Re: Sell taxable to fund prior year (2018) HSA?

Thanks, Silk. I wasn't sure whether to post in that same thread because it was regarding Roth IRAs, not HSA. But, you answered my question. Thanks!
by doss
Tue Jan 15, 2019 9:20 am
Forum: Personal Investments
Topic: Sell taxable to fund prior year (2018) HSA?
Replies: 3
Views: 264

Sell taxable to fund prior year (2018) HSA?

Hello, I wanted to get a sanity check on completing the funding of my HSA for the year 2018. I am about $3450 behind in contributing the family maximum of $6900 for 2018. I understand I have until April 2019 to meet that maximum. However, now that we are in 2019, my employer has begun to deduct from...
by doss
Sun Jan 13, 2019 10:19 am
Forum: Personal Investments
Topic: Funding Roths via taxable account: Sell or exchange? Also, spousal too?
Replies: 6
Views: 381

Re: Funding Roths via taxable account: Sell or exchange? Also, spousal too?

livesoft wrote:
Sun Jan 13, 2019 10:14 am
Try an exchange and tell us what happens please.
I clicked "exchange" and selected the funds to go to Roth, but the user interface says "What you're selling" and "What you're buying".

So, why call it the EXCHANGE page?
by doss
Sun Jan 13, 2019 10:08 am
Forum: Personal Investments
Topic: Funding Roths via taxable account: Sell or exchange? Also, spousal too?
Replies: 6
Views: 381

Funding Roths via taxable account: Sell or exchange? Also, spousal too?

I have a taxable brokerage account (VTSAX) and want to move some of that money to fund my 2019 Roth. Questions: 1.) Do I choose "sell" or "exchange" on the Vanguard site? If "exchange", can I simply move $6k from VTSAX to my Roth IRA ? 2.) Can I fund a spousal Roth with the same above process? Thanks!
by doss
Sat Jan 12, 2019 3:35 pm
Forum: Personal Investments
Topic: Dip into taxable account to fund Roths and medical expenses?
Replies: 5
Views: 532

Dip into taxable account to fund Roths and medical expenses?

Hi all, We have 30k saved in a taxable brokerage account with Vanguard (Total Stock market). I haven't funded both Roths yet for 2019 -- and I don't want to touch our savings account at the moment because we are saving for some big purchases in the coming year(s). I was treating the taxable account ...
by doss
Tue Jan 08, 2019 10:49 am
Forum: Personal Investments
Topic: How to calculate how much to contribute to 401k to reach the maximum limit by years end?
Replies: 11
Views: 691

How to calculate how much to contribute to 401k to reach the maximum limit by years end?

I missed the maximum 401k contribution for 2018 again by about 1k. Since my salary fluctuates each year (3% raise or loss of contract, etc) I often have to adjust my 401k contribution amounts a few times a year to try and make sure I contribute 18500 (it's 19000 in 2019). My employee won't do a "TRU...
by doss
Fri Dec 21, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Basement minimum height requirement -- can I ignore until house sale?
Replies: 34
Views: 2675

Re: Basement minimum height requirement -- can I ignore until house sale?

@fire0216, Actually, we dug up around the perimeter of the house and discovered there were no footings as we were putting in a tile drain. Mind you, this house was built (row house) in 1920. We did find lots of old circa 1920s bottle caps and corks from the workers! :sharebeer I am not sure about di...
by doss
Wed Dec 19, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Basement minimum height requirement -- can I ignore until house sale?
Replies: 34
Views: 2675

Basement minimum height requirement -- can I ignore until house sale?

Hi all, I have an old house with an unfinished basement that I want to totally remodel. Unfortunately, the height from the basement concrete floor to the ceiling joists is exactly 7ft....and our local code regulations state that that is the minimum allowed in residential dwellings. I called the loca...
by doss
Sun Dec 16, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Is there a machine that can automatically heat up milk (not boil) and froth it?
Replies: 6
Views: 502

Is there a machine that can automatically heat up milk (not boil) and froth it?

Hi all, Does anyone know of a simple machine that can automatically heat up milk (not boil it) and froth it for you (Sort of a all-in-one device that won't break the bank)? Currently, I am into making hot tea lattes and have to watch the pot so I don't burn the milk (don't want it to stick to the bo...
by doss
Fri Nov 30, 2018 10:50 am
Forum: Personal Investments
Topic: Any single income earners with kids able to retire "early"?
Replies: 23
Views: 1622

Any single income earners with kids able to retire "early"?

Hello, My goal is to retire by age 55-57 but I started saving for retirement in my mid 30s (I am 38 now). I am the single-income earner in a family of 3 (me, wife/SAHM, 1 young child ...with another one planned for next year). This year we were able to save about 50k for retirement (includes employe...
by doss
Tue Nov 13, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Applied for biz credit card -- but fine print says only biz transactions allowed?
Replies: 3
Views: 365

Applied for biz credit card -- but fine print says only biz transactions allowed?

Hi all, My wife just opened a sole proprietorship and then signed up for a business credit card with a 3k minimum spend requirement for 60k points. The fine print on the biz card paperwork that came with the card stated that business transactions should only be charged to the card. However, she won'...
by doss
Tue Nov 06, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Ally doesn't allow using accounts for business...where to go for free checking for wholesale biz?
Replies: 3
Views: 284

Ally doesn't allow using accounts for business...where to go for free checking for wholesale biz?

Hi all my wife is starting a small wholesale/resale biz and I thought it was best for her to do so as a sole proprietorship for now (we will convert to LLC later). I am trying to set her up with a business checking account so we can keep the biz finances separate from personal finances ...and since ...
by doss
Mon Oct 29, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a small wholesale/resale biz at local collective market -- should it be an LLC?
Replies: 7
Views: 637

Starting a small wholesale/resale biz at local collective market -- should it be an LLC?

My wife is looking at starting a small wholesale/resale business (mostly clothing, some crafts, etc) and will have a small booth (unmanned) at the local collective market. To protect our assets, should we create a single member LLC? Is there anything else that we should know/do before "setting up sh...
by doss
Mon Oct 22, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7981

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Don't be terrified. It's a very misleading headline and an only slightly less misleading study. JT As someone that had cancer in the recent years, the headling was terrifying because I am trying to save for early retirement. I have a constant internal battle with myself as to whether I will get to ...
by doss
Wed Oct 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 19
Views: 1729

Re: How much life insurance for cancer survivor? OR, can I even get insured?

jminv wrote:
Wed Oct 17, 2018 9:59 am
Are those quotes before or after disclosing your medical history to them?
Those quotes are after I told them I was a cancer survivor. But, that does not include the medical history.
by doss
Wed Oct 17, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 19
Views: 1729

Re: How much life insurance for cancer survivor? OR, can I even get insured?

Do you have life insurance offered through work? Sometimes those policies are not based on health but employment. Federal government agency I am familiar with had policies like this, you could add up to 5x salary coverage (1x is free, part of employment). The non-free coverage got quite expensive a...
by doss
Wed Oct 17, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 14238

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I’m a millionaire (very much “next door,” or even “down in the alley,” I buy the $0.88 loaves of bread and all that) and I can tell you there’s nothing to “becoming a millionaire” and it’s overrrated. Who cares? Life was better when we had nothing. Smectym Remember, anything over 70k saw no differe...
by doss
Wed Oct 17, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 19
Views: 1729

How much life insurance for cancer survivor? OR, can I even get insured?

I am shopping around for life insurance and would like to ask for help in determining how much insurance I should get. Unfortunately (or maybe fortunately?) I am a cancer survivor at age 39, so I am guessing the rates are going to be high. Here are the stats: - Family of 3 (me, wife, 2yr old, plan f...
by doss
Sat Oct 13, 2018 9:45 am
Forum: Personal Investments
Topic: How come I can't transfer all of my HSA cash account into HSA investments?
Replies: 3
Views: 260

Re: How come I can't transfer all of my HSA cash account into HSA investments?

onourway wrote:
Sat Oct 13, 2018 9:41 am
There is probably a $1000 minimum balance requirement. Every HSA account has slightly different rules, but requiring a minimum cash balance is pretty common.
If so, does that mean I can't touch that cash because it will dip below 1k (or if I do, then I'd incur some admin fees)?
by doss
Sat Oct 13, 2018 9:38 am
Forum: Personal Investments
Topic: How come I can't transfer all of my HSA cash account into HSA investments?
Replies: 3
Views: 260

How come I can't transfer all of my HSA cash account into HSA investments?

My employer now offers a HSA and it looks like my employer made a contribution on 9/21/18 for an amount of $1,500. Since then, I have made a payroll contribution twice (biweekly paycheck) for $230 and $115. That was all in a cash account. Now, I wanted to move some of that to an investment account b...
by doss
Sat Oct 13, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3289

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

My thinking was that for such a long road trip (mostly through long stretches of barren land) I wouldn't exactly call that route "barren". It is rural and if you take the Indian Nation Turnpike in Oklahoma it can feel empty but you are on major highways pretty much the whole way. It's not like you ...
by doss
Fri Oct 12, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3289

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

The drive will be about 12 - 15hrs each way depending on which route we take. We currently have a nice 2006 Volvo S60T with about 70k+ miles on it. My question is....should we just rent a nice full size sedan to do this drive and save the mileage on our car? Looks like prices are about $400+ for ou...
by doss
Fri Oct 12, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3289

Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Around Thanksgiving, we will make a family trip (me, wife, 2 1/2 yr old) from STL to northern San Antonio, Texas. The drive will be about 12 - 15hrs each way depending on which route we take. We currently have a nice 2006 Volvo S60T with about 70k+ miles on it. The tires are fine but probably will n...
by doss
Wed Oct 10, 2018 10:36 am
Forum: Personal Investments
Topic: Should I use my taxable account to pay for medical expenses while contributing more to HSA?
Replies: 5
Views: 588

Re: Should I use my taxable account to pay for medical expenses while contributing more to HSA?

Thanks everyone. I am going to use my taxable brokerage account to pay for medical expenses (but will use points or cash back credit card to make the actual payments) while at the same time trying to max out my HSA contributions. Then, if I need some extra $$ to put towards a large downpayment of so...
by doss
Fri Oct 05, 2018 11:14 am
Forum: Personal Investments
Topic: Should I use my taxable account to pay for medical expenses while contributing more to HSA?
Replies: 5
Views: 588

Should I use my taxable account to pay for medical expenses while contributing more to HSA?

Hi all, My employer just made available an HSA and they will contribute $$ to it. I am not sure how much they will contribute but I do see a lump sum of $1,500 so far (I think that's it for the year?). I set up my paycheck deduction to about $115/biweekly. With that said, I am hoping to get some adv...
by doss
Tue Oct 02, 2018 4:13 pm
Forum: Personal Investments
Topic: What fund(s) for my HSA investments?
Replies: 8
Views: 666

What fund(s) for my HSA investments?

My employer has made an HSA available for us this year (we start September) and I need to pick some fund(s) for investment. I am thinking I keep it simple and just wanted to confirm with the forum that the following fund is OK for an HSA? Vanguard 500 Index Fund Admiral Shares , VFIAX, Price: $270.0...
by doss
Tue Sep 18, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2407

Re: How to watch baseball playoffs without cable

Jordan4FI wrote:
Tue Sep 18, 2018 9:04 am
I use www.reddit.com you can find links to all sports and games there. Search in the search block.. ie.. MLBstreams, NFLstreams, GOLFstreams.. and it is all FREE!
Not legal.
by doss
Tue Sep 11, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: How to make the best decision possible (critical thinking process)?
Replies: 1
Views: 287

How to make the best decision possible (critical thinking process)?

I am looking at either buying a new house or expanding our current house. I have a list of items that I need, want, and would like to have. But, I have no idea how to map this all out so I can make the best decision for me and my family (what ifs, if/else, etc). Without getting over complicated (and...
by doss
Tue Sep 11, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Sprint's iPhone protection plan - Worth it?
Replies: 6
Views: 483

Re: Sprint's iPhone protection plan - Worth it?

ttc5q wrote:
Mon Aug 20, 2018 5:12 pm
Better just to pay your bill with a credit card that offers cell phone protection for free.
If have a lease plan, then the credit card protection benefit does not apply according to my card's fine print.
by doss
Mon Aug 20, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sprint's iPhone protection plan - Worth it?
Replies: 6
Views: 483

Re: Sprint's iPhone protection plan - Worth it?

Have you ever filed a claim for a phone? We never have. However we did add it to our teenager's phone. Beware that there is a $100 or so charge to use the "insurance". And I don't think you get a new phone. IIRC it is a refurb. No new phone? OK, going to cancel this. Cheaper to buy refurbished. Edi...
by doss
Mon Aug 20, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Sprint's iPhone protection plan - Worth it?
Replies: 6
Views: 483

Sprint's iPhone protection plan - Worth it?

Came to the end of my Sprint contract and was eligible for new iPhone X. The customer rep suggested I get the "protection plan" for two lines for a total of $17/mo. I went along with it but wondering if it was a good idea. Does anyone know about Sprint's new protection plan and have any experience u...
by doss
Wed Jun 27, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do I lose tax benefits if I move home office out of the home?
Replies: 10
Views: 1143

Re: Do I lose tax benefits if I move home office out of the home?

Wait, I am confused.

So what deductions are available for a remote office?
by doss
Wed Jun 27, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Do I lose tax benefits if I move home office out of the home?
Replies: 10
Views: 1143

Do I lose tax benefits if I move home office out of the home?

Hi all, I have a home office that I use for a side hustle (I also have a full time job in the corporate world). However, I find that I can not focus/concentrate at home and am looking at renting some coworking space somewhere. If I move my office out of my house, do I lose major tax benefits? What k...
by doss
Fri Jun 22, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does my AGI include my 401k contributions as a deduction?
Replies: 2
Views: 307

Does my AGI include my 401k contributions as a deduction?

I apologize for asking such a simple question here, but I wanted to double check with the group before making some financial decisions that could be costly down the years. My AGI last year was 125,000. My employer offers a 401k plan where I can elect to do paycheck deductions (either Roth or Traditi...
by doss
Fri Jun 22, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3828

Re: How to calculate "fun money" per year?

I possibly made a mistake in my original calculations.

Does my original $125k AGI account for my 401k contributions (non Roth)?

So, hypothetically, if I deferred 18k (not Roth) to my 401k and I make 150k, my AGI would be $132,000 ?
by doss
Sun Jun 17, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3828

Re: How to calculate "fun money" per year?

OP, I know I'm not ansewring your question but you stated you're not funding the HSA. Why? If you're eligible for an HSA account which is the best saving and investing instrument available, fund it. If you have to, reduce the 401K contribution enough to get the maximum match and use the difference ...
by doss
Sun Jun 17, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3828

Re: How to calculate "fun money" per year?

I do have a monthly budget that we aim for in expenses. SO, here's a quick calculation I did to determine some kind of estimate for "left over money/fun money" to use for vacation: AGI = 125000 (last year's) 52800 = expenses (4400/mo) (on high side for us) 32500 = retirement contributions 24000 = (...
by doss
Sun Jun 17, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3828

Re: How to calculate "fun money" per year?

I do have a monthly budget that we aim for in expenses. SO, here's a quick calculation I did to determine some kind of estimate for "left over money/fun money" to use for vacation: AGI = 125000 (last year's) 52800 = expenses (4400/mo) (on high side for us) 32500 = retirement contributions 24000 = (2...