Search found 316 matches

by aquifer
Sun Feb 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Applying for a passport with a credit freeze
Replies: 7
Views: 1063

Re: Applying for a passport with a credit freeze

Thank you for the replies. I won’t bother unfreezing my credit. If they draw down on me and throw me in prison while they sort it out, I will (eventually) report back and let you know that I should have unfrozen it. :D
by aquifer
Sun Feb 04, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Applying for a passport with a credit freeze
Replies: 7
Views: 1063

Applying for a passport with a credit freeze

After the Equifax breach, I initiated a credit freeze at the credit bureaus. I will soon be applying for a passport, and I’m wondering if I have to lift the freeze. I can’t find much online other than it appears they will use my SSN to verify my identity. Without debating the merits of a credit free...
by aquifer
Sun Jan 28, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: The HSA Authority indemnification message
Replies: 5
Views: 697

Re: The HSA Authority indemnification message

I am considering opening an account at The HSA Authority. When I click on the link on their homepage to go to the investment site login page, this message is prominently displayed: By using this service you agree to indemnify and hold harmless The HSA Authority and its outsourced partner Devenir Gr...
by aquifer
Sun Jan 28, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: opened up vanguard roth ira, need help
Replies: 9
Views: 642

Re: opened up vanguard roth ira, need help

ok, i got it all set up with reoccurring $100 weekly payments and its going directly in to the target retirement fund I also want to set up a general savings fund. Something i can have much more liquid. Money i might need for putting on a new roof or going on vacation, etc, but gets much better ret...
by aquifer
Tue Jan 16, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1550

Re: Vanguard account change

OP here:

Thank you all. So, even though it was a joint account WROS, there would be a step up in basis? Mom isn't inheriting the account, per se, she's the same owner she always was. Right? It would be nice to get a step up in basis, but would that happen in this case?

Thanks again
by aquifer
Tue Jan 16, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1550

Vanguard account change

I have found other threads on this topic, but I can't help myself...I need more confirmation: My father recently passed away. He and mom have a joint account (taxable) at Vanguard. We want to take dad's name off the account so that it is just a single account owned by mom, with us four kids as benef...
by aquifer
Sat Dec 30, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where I need to keep my Emergency cash
Replies: 24
Views: 2636

Re: Where I need to keep my Emergency cash

BigPrince wrote:
Sat Dec 30, 2017 9:13 pm
https://personal.vanguard.com/us/funds/ ... true#tab=0

Is it odd that the NAV is not 1.0000 but .9999?
It “broke the buck”! Time to panic! :D
by aquifer
Sat Dec 30, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Where I need to keep my Emergency cash
Replies: 24
Views: 2636

Re: Where I need to keep my Emergency cash

I keep about 60% in a regular money market ACCOUNT in a bank. I keep the other 40% in Vanguard's prime money market FUND. The bank account is FDIC insured, while the fund is not, as others have mentioned. I realize I could open an online account and probably get a rate comparable to the MMF, plus FD...
by aquifer
Sat Dec 30, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5360

Re: Target Net Worth

Desired annual income / 3.5% = target. Enough discretionary to cover unplanned expenses and market downturns. This. I used 3%, but the idea is the same. I plan to withdraw 3% annually from my portfolio upon reaching retirement. I'm expecting social security to pay for only health insurance/medicare...
by aquifer
Mon May 15, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with HSA investment options
Replies: 1
Views: 340

Help with HSA investment options

My company recently began offering limited investment options tied to HSA accounts. There are no Vanguard funds offered, and most of the funds have high expense ratios and 12b-1 fees. However, there are three index options that have no fees other than the expense ratio: Columbia Large Cap Index Z .2...
by aquifer
Fri May 12, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 573
Views: 226111

Re: TV show recommendations?

Bosch Longmire (not sure if there will be any more seasons, unfortunately) Goliath Elementary on CBS I've been watching Death in Paradise on Netflix recently. I'm not real sure why I like it, but I do. Likeable characters, kind of a Murder She Wrote feel with the big reveal at the end in front of al...
by aquifer
Fri May 12, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I convert to roth ira?
Replies: 13
Views: 1681

Re: Should I convert to roth ira?

Convert it now while the amount is relatively small. Having a zero balance IRA makes future backdoor Roth conversions much simpler.
by aquifer
Fri May 12, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Trouble sticking to a plan
Replies: 19
Views: 2604

Re: Trouble sticking to a plan

...Has anyone else abandoned the DIY method for Target date fund? How has it affected you? Thanks I have. My 401k has Vanguard TR funds available, so I'm fortunate to have access to low cost TR options. Every dime of my 401k is in TR 2035, and I'm very happy with it. I do enjoy following my investm...
by aquifer
Thu May 11, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA five year holding period
Replies: 7
Views: 1140

Re: Roth IRA five year holding period

Thank you all for the help, I appreciate it. Yes, she and dad had earned income during those years from farming operations. Slightly beside the point: we put the money in Vanguard's Wellington fund just after I became a Boglehead. Looking back on what I've learned, I might have suggested she put the...
by aquifer
Thu May 11, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA five year holding period
Replies: 7
Views: 1140

Roth IRA five year holding period

In December 2012, I helped mom open a Roth IRA at Vanguard. She was 72 at the time. She had $12,000 available, so we invested $6,000 in December 2012 for 2012, and $6,000 in January 2013 for 2013. Since she was over 70.5, we knew she needed to wait five years to avoid taxes on earnings, but there wo...
by aquifer
Mon Mar 06, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 2557

Re: Sonos Wireless sound?

You'll like the Play: 5's. Clarity and bass output are both very good. I like my Sonos system very much, and I often recommend it. The controller app has been updated over time, and they update the speakers' firmware now and then. Apple Music integration could be better, but it works well enough. Yo...
by aquifer
Sat Oct 08, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 9672

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

I have a little different perspective, for whatever it's worth. I have always preferred to own cars that are a little less common. Most cars these days look alike in my opinion. Since high school, I'd always wanted a black Jaguar but could never afford one. I enjoy working on cars, so in 2015 I boug...
by aquifer
Sat Jan 09, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Invest all in January or spread throughout the year?
Replies: 24
Views: 3261

Re: Roth IRA - Invest all in January or spread throughout the year?

Whatever you do, do it that way all the time because you'll never outguess the market. If you lump sum in January, lump sum every January. FWIW, I lump sum into my Roth via the backdoor every January and then max my 401k throughout the year with each paycheck.
by aquifer
Sat Jul 11, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why do I need an Owners Policy of title?
Replies: 14
Views: 1809

Re: Why do I need an Owners Policy of title?

I have experience with this and will offer a strong opinion. Title insurance is the cheapest peace of mind available in the western hemisphere. As everyone has pointed out, it's not only about the current transaction, or the one prior. Problems can arise from decades past that have been long forgott...
by aquifer
Mon Jun 08, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 20379

Re: Car dealer wants me to compensate for underpayment

You agreed to a price, so pay it. They made a mistake and are asking you to honor the original contract. Do the right thing and stop looking for a way out. It's that simple. I know the world is full of weasels, but that doesn't mean YOU have to be one.
by aquifer
Sun Jun 07, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 6383

Re: Keep underground storm cellar (in Florida)?

I think this is cool. I'd be sure the kids can't get into it and get trapped down there, but otherwise I'd noodle an interesting use for it. Wine cellar with a tasting room comes first to mind, a place for a hobby that is loud or annoying -- loud stereo system, band practice, place for your wood wo...
by aquifer
Mon May 18, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to treat stock option
Replies: 2
Views: 427

How to treat stock option

This year I became eligible for a program at work similar to a stock option plan (more on that below). It amounts to about $12,000 per year and is paid out in cash after one year of being separated from the job. The expected time frame to get the money is one year after I retire (in about 20 years),...
by aquifer
Sun May 10, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Investment
Replies: 4
Views: 755

Re: Intermediate Term Investment

I appreciate the replies, thank you.
by aquifer
Sun May 10, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Investment
Replies: 4
Views: 755

Intermediate Term Investment

I've been working on the best way to handle money that can be used for non-retirement purposes, such as home repairs, vehicle purchases, etc. I invest for my retirement goals first, maintain a 10-12 month emergency fund, and have excess cash flow that I don't want to invest in my taxable retirement ...
by aquifer
Sun May 03, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Raining Insurance Bills
Replies: 13
Views: 1449

Re: Raining Insurance Bills

If you just pay the renewal notices when they arrive, you will eliminate 80% of the mail from State Farm. This. You aren't getting any free days by delaying payment. This reminds me of an argument I once had about the "In Transit" period on a vehicle purchase. I always license the vehicle right awa...
by aquifer
Tue Apr 28, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 4979

Re: Getting the stink out of running clothes

Wash them using about a cup of vinegar and a half cup of baking soda after a regular wash. Might have to do it twice but it will work. I sometimes use more than those amounts. This also works on other laundry odors too.
by aquifer
Mon Mar 30, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Business loans, bad credit
Replies: 4
Views: 1083

Re: Business loans, bad credit

Banks are not venture capitalists. A 100k loan with no collateral and bad credit is likely out of the question, and I doubt SBA would be interested either. You may find that there is an angel investment group in your area that you might be able to sell your idea to. Google or ask your local economic...
by aquifer
Mon Mar 23, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 23896

Re: Edward Jones Account Closing Fees

Leave a small balance in the account $1. and "Keep it open" but ignore it. What's wrong with this idea? I see tons of advice and discussion about the Edward Jones problem, but this seems exceedingly logical to me. Don't close any of the accounts, just leave a small balance. No one has chimed in say...
by aquifer
Mon Mar 23, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 23896

Re: Edward Jones Account Closing Fees

leonard wrote:Leave a small balance in the account $1. and "Keep it open" but ignore it.
What's wrong with this idea? I see tons of advice and discussion about the Edward Jones problem, but this seems exceedingly logical to me. Don't close any of the accounts, just leave a small balance.
by aquifer
Sat Mar 21, 2015 8:41 pm
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 8656

Re: Google voice

The only downside I see with Google voice is that it will stop being supported and then be shut down. It's already not pushed as a major service they offer and I don't think they've made any changes/updates in awhile (outside of some functionality in hangouts) I agree with this. Google has a long h...
by aquifer
Sat Mar 21, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 24928

Re: Best albums of 2015

There are only three kinds of music in the world: AC/DC, Led Zeppelin, and ZZ Top! Just thought I'd throw that out there :D
by aquifer
Sat Mar 21, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 8656

Re: Google voice

The only downside I see with Google voice is that it will stop being supported and then be shut down. It's already not pushed as a major service they offer and I don't think they've made any changes/updates in awhile (outside of some functionality in hangouts) I agree with this. Google has a long h...
by aquifer
Mon Mar 16, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 87
Views: 11648

Re: Laptop: Windows based vs. Apple

I harp on this once in a while, but you have to factor in the resale value of Apple devices. Everyone tries to compare up front costs, but you're not buying a disposable product with Apple. Their devices have very good resale value, bringing the cost of ownership equal to or below a comparable devic...
by aquifer
Mon Mar 16, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Mortgage expense and income
Replies: 6
Views: 984

Re: Mortgage expense and income

Thanks for the comments. My income decreased after the divorce but it won't be low forever. According to the firecalc, I should be able to retire comfortably with 5k saving a year. I'm 34. I don't think you said how large your nest egg is currently unless I missed it, but I plugged in $100,000 as y...
by aquifer
Sun Mar 15, 2015 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2859

Re: Can you quantify how Bogleheads has helped you?

I moved my Roth from Edward Jones to VG as a result of what I learned from the Bogleheads. Easy math: I've invested about $22,000 in the Roth since then, and another $15,000 in a taxable account recently. At 5.75% EJ sales load, I've saved over $2,125. That figure ignores the ER savings, and the ER ...
by aquifer
Sat Mar 14, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 3363

Re: Where to purchase Windows? What version?

I'm generally not a complainer but I just read through this thread again to make sure I didn't miss anything and it made my head hurt a little. I guess it's our fault we don't have at hand what we need to reinstall Windows - a person should be proactive about these things and be prepared for the da...
by aquifer
Sat Mar 14, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 60777

Re: Will you buy an Apple Watch?

I am thinking about buying one, although I don't wear a watch now. My reason is simple: I keep my phone in my pocket and I have an office job. I get notifications throughout the day, and I dig my phone out to see how important it is each time. Most notifications don't require immediate action, but s...
by aquifer
Mon Mar 09, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Importing a car from Canada
Replies: 1
Views: 525

Importing a car from Canada

The car is 28 years old and was originally built for sale in the US, but now resides in Canada where it is licensed. I would probably fly to the location and drive it back to my home in the US. Google has revealed that I need proof of ownership such as a bill of sale, the title, EPA Form 3520-1, DOT...
by aquifer
Sun Feb 22, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 Allowances
Replies: 8
Views: 1512

Re: W-4 Allowances

That's helpful, thank you. Livesoft's link above helped as well. I had gone thru the calculations at paycheck city, and it spit back a recommended number of allowances to use, but didn't show me any calculations so I was skeptical. The Personal Allowances Worksheet from the IRS also helped, tho it r...
by aquifer
Sun Feb 22, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: W-4 Allowances
Replies: 8
Views: 1512

Re: W-4 Allowances

For a more detailed calculation, you can use the worksheets in IRS Publication 919 ; these allow you to convert tax credits and income taxed at different rates into allowances. If you don't have any credits or allowances, the basic W-4 worksheet will work fine; each additional $3700 of deductions i...
by aquifer
Mon Feb 16, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 2220

Re: Anti-virus software on my MAC?

Sophos. Doesn't seem to be a resource hog and has caught a virus in the 3-4 years I've used it.
by aquifer
Tue Feb 10, 2015 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you figure out your W4 withholding?
Replies: 24
Views: 7828

Re: How do you figure out your W4 withholding?

http://www.taxvisor.com/taxes/index.html

I use my pay stub to extrapolate how much will be withheld by year end, and plug the numbers into the spreadsheet. I adjust my withholding accordingly. Works pretty well.
by aquifer
Mon Feb 09, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: SCSI to USB
Replies: 5
Views: 695

Re: SCSI to USB

... I'm probably going to end up discarding my old scanner.... Best Buy will take it off your hands and recycle it for you. They won't pay you anything for it, but it's better than dumping it in the landfill. My town has an annual e-waste recycling day that will be coming up in the spring, so that'...
by aquifer
Sun Feb 08, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 5910

Re: Which light bulbs are best bang for the buck?

Another vote for LED's, and Cree specifically. I replaced CFL bulbs in two high use rooms and a bathroom. I plan to gradually replace the CFL's in each room over time. Start with the high use rooms to get the best bang for the buck. My electric utility is offering a $5 per bulb billing credit, up to...
by aquifer
Sun Feb 08, 2015 10:50 pm
Forum: Personal Consumer Issues
Topic: SCSI to USB
Replies: 5
Views: 695

Re: SCSI to USB

Thank you for the reply. I had found VueScan and downloaded it, anticipating that I'd find an adapter to make this thing work. I found an Adaptec cable that supposedly works but it was discontinued years ago and is too expensive on eBay. I'm probably going to end up discarding my old scanner, but it...
by aquifer
Sun Feb 08, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: SCSI to USB
Replies: 5
Views: 695

SCSI to USB

I have an old HP Scanjet 4p that I'd like to see if I can resurrect. It uses an old SCSI interface cable, and I'd like to try to make it work on my newer Mac Mini. Ideally there would be a SCSI to USB adapter cable that I could just plug in and would work. I think I've found a third party driver tha...
by aquifer
Tue Feb 03, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099's
Replies: 1
Views: 374

Corrected 1099's

I'm not in a hurry to do my taxes, and have been entering numbers online (H&R Block) as I receive the various forms I need. Do I understand correctly that the deadline for sending out 1099's is Feb. 15? Does this mean that there will not be corrected ones issued after that date? Or can corrected one...
by aquifer
Sun Feb 01, 2015 8:43 pm
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 20
Views: 14601

Re: Microsoft Excel vs. Apple Numbers

Microsoft is a whole different company under the new CEO. They have recently released Office apps designed for iOS that are excellent. They have finally embraced the fact that they are a software company and they want their software on every device. That being said, I went with Numbers some time bac...
by aquifer
Fri Jan 23, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency of VGTSX
Replies: 2
Views: 906

Re: Tax efficiency of VGTSX

Here is a thread from earlier today on a similar subject that may be helpful: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156434 When you ask if this is really tax efficient, the answer is still yes. Tax efficient does not mean no taxes. There are degrees of tax-efficiency. Why not compare...
by aquifer
Fri Jan 23, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency of VGTSX
Replies: 2
Views: 906

Tax efficiency of VGTSX

VGTSX is Vanguard's total international stock index fund, investor shares. In January 2014 I opened a taxable account after filling my Roth via backdoor, and I invested $3000 in VGTSX, and $3,000 in Vanguard's total stock market index fund VTSMX. I didn't add to or withdraw any money from these fund...