Search found 20 matches

by Crazy_Aussie
Sat Jan 05, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 6
Views: 428

Health Ins for 26yr old : which state and options?

Could someone help me understand the options for Health Insurance for my stepson who is turning 26 this month and losing his current health insurance at that time? The aim would be to have him covered by health insurance to: - avoid severe health consequences should he suffer a health-related incide...
by Crazy_Aussie
Sat Feb 03, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 2882

Re: Is LinkedIn premium worth it?

I used LinkedIn Premium for maybe about a year across 2014 and 2015 while I was looking for a new job. I believe it gave me better access to automated job search, and the identity/profiles of anyone looking at my profile. Might have also let me search profiles more extensively - so I could find comp...
by Crazy_Aussie
Sat Sep 16, 2017 12:35 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 49
Views: 10797

Re: San Antonio Local Chapter Established

Yes, it was great to meet other people passionate about personal finances.
Looking forward to sharing ideas and tips, including those that are only applicable at the local level!

Al
by Crazy_Aussie
Fri Dec 23, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 1775

Re: Shipping Large Items Cross-Country?

Try a shipping company named ESTES or ESTES Express. If they have locations at your source and destination they can be very inexpensive. As others have mentioned, the trick is to put the goods on a pallet. With ESTES they will use their forklifts..... but you then have to be able to transport the go...
by Crazy_Aussie
Mon Dec 19, 2016 11:30 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 49
Views: 10797

Re: [Interested in starting a] San Antonio Chapter?

Count me in.
by Crazy_Aussie
Mon Jul 13, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: What is a 401(n) retirement plan?
Replies: 6
Views: 1349

Re: What is a 401(n) retirement plan?

I'm starting to think I misheard 'm' as 'n' - probably 401(m) plan. The short summary of benefits just lists it as an extra 'retirement plan', where the employer contributes between 3% and 9% depending on my age and whether the company makes its target for that year. I had found a few well hidden re...
by Crazy_Aussie
Thu Jul 09, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is a 401(n) retirement plan?
Replies: 6
Views: 1349

What is a 401(n) retirement plan?

I'm looking at the benefits package for a prospective employer and they have a 401(n) plan in addition to a 401(k) plan. I've never heard of a 401(n) plan so I am trying to educate myself about them so I fully understand the benefits package. But I can't seem to find any description of them, tried s...
by Crazy_Aussie
Sat Feb 21, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA rules
Replies: 3
Views: 575

Re: Spousal IRA rules

Thanks for the confirmation, livesoft.
I'm new to this 'being married' thing, so I need a little help getting up to speed.

And yes you are correct about the other income : the main one being a large capital gain from selling my rental property after 18years ownership.
by Crazy_Aussie
Sat Feb 21, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA rules
Replies: 3
Views: 575

Spousal IRA rules

I've been reading up on the Spousal IRA rules using the wiki, IRS.gov and posts on this website, but would like some confirmation as to whether I'm understanding things correctly. For 2014: I will file MFJ with my spouse. I have W-2 'Box 1' income of $93,000. She has W-2 'Box 1' income of only $155....
by Crazy_Aussie
Sun May 25, 2014 3:52 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2070

Re: Jefferson National VA now charging for Low Cost Funds

Both versions of the prospectus I listed above describe the fees as applying through the entire life of the contract, and listed explicit minimum and maximum values and percentages for those fees. One part they did explicitly specify they could change at will is the list of funds they offered and wh...
by Crazy_Aussie
Sun May 25, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2070

Re: Jefferson National VA now charging for Low Cost Funds

The current prospectus is dated Dec 2013 and has the new 'Low Cost Fund Platform Fee'. A previous copy I had saved was dated May 2012, and had the transaction fees model on those lower cost funds. So somewhere between those two dates, the fee structure changed - but I would only think it would be fo...
by Crazy_Aussie
Sat May 24, 2014 4:51 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2070

Jefferson National VA now charging for Low Cost Funds

I was just researching that Monument Advisor VA at Jefferson National today and noticed that they are now charging 0.35% on amounts invested in DFA, Vanguard and a few other funds they are designating as 'Low Cost Fund'. They may have dropped the transaction fee they used to charge for those funds, ...
by Crazy_Aussie
Thu Mar 07, 2013 3:10 am
Forum: Personal Investments
Topic: Self Employment, 401K and Backdoor Roth: A Viable Gameplan?
Replies: 10
Views: 5325

Re: Self Employment, 401K and Backdoor Roth: A Viable Gamepl

This maybe a wild-goose chase I'm about to send you on here, or it could lead to the holy grail. TD AMERITRADE sales reps claimed that their solo 401k allowed after-tax contributions. This was in mid-November 2012. They repeatedly insisted that it was not explicitly stated that after-tax was allowed...
by Crazy_Aussie
Tue Jan 29, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Why do folks ignore voicemails in returning calls??
Replies: 20
Views: 1939

Re: Why do folks ignore voicemails in returning calls??

I know with my MagicJack that I can re-direct unanswered incoming calls to another phone number. I login to my account on the magicjack website and change the settings and provide the phone number.

Maybe that would solve your problem.
by Crazy_Aussie
Fri Nov 16, 2012 5:53 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 845

Re: Build Solo 401k ROTH by Living off Taxable?

I guess I'm thinking long-term we may need the backdoor, and wouldn't want to get stuck with a big IRA and nowhere to move it. I myself am currently bumping up against the filing-single limit for doing a direct ROTH, and right now am having to move a small IRA into my employers 401k plan to clear th...
by Crazy_Aussie
Fri Nov 16, 2012 1:03 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 845

Re: Build Solo 401k ROTH by Living off Taxable?

No opinions? I' ve made some progress, but the couple of questions I'd really like some opinions on now are : 3) Is there any advantage to keeping the rollover IRA or should it be rolled into a solo 401k? Rolling it to a 401k would open a path longterm for backdoor ROTH, if the backdoor is needed in...
by Crazy_Aussie
Fri Nov 09, 2012 5:29 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 845

Build Solo 401k ROTH by Living off Taxable?

I wish I had found Bogleheads years ago, but better late than never. So here I am, looking for some help. My 50yo girlfriend (same-sex de facto) has self employment income as a Sole Proprietor filing Schedule C. She also currently has W-2 wages from another employer, but that will drop significantly...
by Crazy_Aussie
Fri Nov 09, 2012 1:27 pm
Forum: Non-US Investing
Topic: Overseas bank account for investing?
Replies: 9
Views: 920

Re: Overseas bank account for investing?

If you have any 'financial' accounts outside the USA, you need to know about filing FBAR forms if the total value across all accounts is over $US10,000 at any time during the tax year. It covers more than simple bank/credit union accounts. There are also new FATCA reporting requirements that cover m...
by Crazy_Aussie
Thu Sep 20, 2012 1:16 pm
Forum: Investing - Theory, News & General
Topic: 401k fees
Replies: 28
Views: 3765

Re: 401k fees

VeriSight might be another 401k provider worth a look. My employer is in the process of moving our 401k to VeriSight. They offer Vanguard funds, our average ER is 0.16% The admin and record-keeping fee per employee is $54 per year. The company is paying the base 401k fee, I don't know the amount. I ...
by Crazy_Aussie
Fri Jul 20, 2012 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign bank accounts
Replies: 2
Views: 501

Re: Foreign bank accounts

The $10K threshold is not just for each single account. If at any time during the year, the sum total across ALL your foreign accounts reaches $10K even for one minute, then you need to file the FBAR form. And it's not just bank accounts, it includes other type of accounts you wouldn't think of as b...