Search found 111 matches

by imyeti2
Tue May 26, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2380

Cross country road trip from MA to Glacier NP and Yellowstone NP

Hello All, With the current situation, family is thinking about a road trip instead of flying anywhere in summer. We're planning a road trip with two kids (10-13) driving from MA to Glacier NP & Yellowstone NP. For 2 weeks. Are we crazy to do this? With stopping on the way, it'd easily be 3 days to ...
by imyeti2
Fri Mar 20, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Master of biology degree
Replies: 40
Views: 2074

Re: Master of biology degree

kidshrink wrote:
Fri Mar 20, 2020 11:20 am
A suggestion I have made to those interested in biology/healthcare, also making a good salary with minimal schooling: radiological technician.

https://www.bls.gov/ooh/healthcare/radi ... ogists.htm
Long term risk of exposure to radiation !
by imyeti2
Fri Mar 20, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio's paradigm change
Replies: 46
Views: 2869

Re: Ray Dalio's paradigm change

The same was said about Quantitative Easing but inflation never reared its ugly head despite low unemployment An economic enigma I don't bother trying to figure out. As for the purpose of bond funds, I suggest you do some reading about its role in a portfolio. I don't know how inflation calculation...
by imyeti2
Fri Mar 20, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Master of biology degree
Replies: 40
Views: 2074

Re: Master of biology degree

Some thoughts here: (1) Why MS? Why not go for PhD? MS is a middle ground. In the biotech industry MS provides only limited opportunities. (2) I'd look at a minor in engineering / computer science. Biologists who have expertise in data sciences are going to be in lot of demand. With genome analysis ...
by imyeti2
Tue Feb 18, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12469

Re: Potential sue - Loss of money

Seems every neighborhood has a "hall monitor wannabe". And, while everyone either buckles in, submits, or moves away, the "hall monitor wannabe" stays. Options: 1. Move (seriously consider as this is not going to go away). 2. Litigate (seek legal counsel, have them take care of it from now on). 3. ...
by imyeti2
Sun Feb 09, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: choosing Mega Backdoor Roth over Backdoor Roth
Replies: 12
Views: 961

Re: choosing Mega Backdoor Roth over Backdoor Roth

to avoid the pro-rata rule I have to roll my existing Rollover IRAs into my new employer's 401k plan - which my new employer's plan allows.[/list] The Mega Backdoor Roth strategy allows me to contribute much more money (~$28k = ~$57k - ~$29k employee + employer contributions), and avoids the need t...
by imyeti2
Thu Feb 06, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Finding GOOD flights, not necessarily cheapest flights
Replies: 40
Views: 3183

Re: Finding GOOD flights, not necessarily cheapest flights

If you travel during off season, flight can be practically empty. I recently upgraded myself to premium economy for a flight from Asia to US. In November, in the PE section, I was able to lie down on the adjacent seats.
by imyeti2
Mon Feb 03, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay rent for discount --> disadvantages?
Replies: 29
Views: 2028

Re: Prepay rent for discount --> disadvantages?

How would you deal with any maintenance issues? If something is broken, does the landlord have incentive to fix it right away if they have rent in their pocket?
by imyeti2
Fri Jan 17, 2020 12:26 pm
Forum: Personal Investments
Topic: Finding 401k administrator for public company
Replies: 1
Views: 100

Finding 401k administrator for public company

Hello All,
Is there a way to find out a company's 401k administrator (Fidelity or someone else etc.) from any public filings? Thanks.
Yeti.
by imyeti2
Wed Jan 01, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Dental Office Submits Claim Late and Have Threaten to Report Me to Collection Agency
Replies: 24
Views: 2239

Re: Dental Office Submits Claim Late and Have Threaten to Report Me to Collection Agency

Insurance company should consider the date of service and not the date when the paperwork was submitted.

Does Dental Place #1 have the date of service correct in their insurance claim?
by imyeti2
Mon Dec 23, 2019 1:47 pm
Forum: Personal Investments
Topic: can I rollover 457(b) to roth IRA
Replies: 7
Views: 298

Re: can I rollover 457(b) to roth IRA

You cannot rollover a tax deferred plan into Roth IRA.

Can you not rollover into your current 401k - assuming the options are better than the old 457b.
by imyeti2
Sun Dec 15, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Car financing denied after 2 weeks
Replies: 131
Views: 7447

Re: Car financing denied after 2 weeks

MotoTrojan wrote:
Sat Dec 14, 2019 10:57 am
The phrase ‘local media’ and BBB would be in my response.
I agree here. Plus plaster this guy all over social media. Is this a new car or used car dealership?
by imyeti2
Fri Dec 13, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Which iPad would you buy today?
Replies: 40
Views: 2593

Re: Which iPad would you buy today?

Last iPad I bought was the 9.7. I really regret not getting the Pro as IMO a larger screen is better for almost everything. While I believe that iPads are still the best tablet option, I find it disappointing that such an expensive product becomes relatively obsolete in a few years. iOS updates eve...
by imyeti2
Tue Dec 03, 2019 9:21 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 439
Views: 143139

Re: Master Thread for Metro Boston's Chapter

I'm interested.
by imyeti2
Tue Dec 03, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: 25 years old roof
Replies: 14
Views: 1346

Re: 25 years old roof

I'd include the cost of replacing the roof in your purchase price negotiations. It may be time to replace the roof in the next 5 years. I'd change the roof before moving in and not have to worry about it for the next 25 years. Get quotes from several reputed roofers. Another thought is to think abou...
by imyeti2
Mon Sep 02, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1747

Re: New car delivery - what to check?

Thank you all. This is very helpful.

Yeti.
by imyeti2
Mon Sep 02, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1747

Re: New car delivery - what to check?

bob60014 wrote:
Mon Sep 02, 2019 9:03 am
imyeti2 wrote:
Mon Sep 02, 2019 8:49 am


How do we know what are the standard items that come with the car?
Go to the manufacturer's website, a complete list of standard items are listed. What make/model/trim level is this?
2019 Audi Q5 Premium Plus
by imyeti2
Mon Sep 02, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1747

New car delivery - what to check?

Hello, We're taking delivery of a car shortly. What do we need to check for at the time of delivery? Is there a list that we need to ask the salesperson? For example, if we have requested all weather mats, do they provide the standard mats also? There is a roof rack (we think) that comes with the ca...
by imyeti2
Sun Jun 30, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4821

Re: New Landlord Here! Your Top Tips to include in a Lease?

We used to have a rental condo. One incentive I had - if I have the rent deposited into my bank account before the 1st day of each month, the tenant could take $25 off the rent. Never missed a timely rent ! Some months I had the rent in my bank account a whole week before the due date ...
by imyeti2
Sun Jun 30, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Best city/state to raise an autistic child?
Replies: 20
Views: 4057

Re: Best city/state to raise an autistic child?

I live in California in the SF Bay Area (but not in SF). I have an adult daughter with autism (fairly high functioning). The Regional Center System in California has been very helpful to us and to our daughter. My daughter is now on Medi-Cal which is not great, but I don’t know if Medicaid would be...
by imyeti2
Thu Jun 20, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 8
Views: 876

Re: Dependent Care FSA Question

Thank you all.

Yes, spouse was working prior to changing to a new job. However, we miscalculated when we did the open enrollment. I thought we can fix it now.

Let us call the insurance company to check.
by imyeti2
Thu Jun 20, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: How to phrase job-change for family reasons?
Replies: 13
Views: 1705

Re: Career advice: How to phrase job-change for family reasons?

It may actually be a plus to say that you moved to city b and decided that city a was really where your heart was for raising your child. This will tell a hiring manager that you're not likely to suddenly move again, meaning you'd be a stable reliable resource for the company. -B This. I always wan...
by imyeti2
Mon Jun 17, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 8
Views: 876

Dependent Care FSA Question

Hello, Here is the situation: We have had our child in after school program so far this year and our kids will be attending summer camps. I kept only $1.5 K aside for 2019 during open enrollment last fall. Spouse now is planning on taking up a new job this fall. If we keep aside the $3.5 k from her ...
by imyeti2
Wed Jun 12, 2019 1:36 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth - How to setup?
Replies: 17
Views: 1556

Re: Mega Backdoor Roth - How to setup?

Who is your 401k administrator? You need to contact them. Check all your plan documents. You need an in-service distribution to be able to do that.

How big is your company? HR people rarely understand these nuances. You need to talk to someone in your finance organization.
by imyeti2
Mon Jun 03, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 1546

Where do I buy term life insurance? What are the best companies?

Hello, I'm shopping for term life insurance for DW and me. What companies are the best in terms of underwriting, service, financial stability etc. ? Should I shop directly with the companies or work with an agent ? As a reference, we currently have Amica for home and auto. Thank you for your input.
by imyeti2
Sat May 25, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2679

Re: Am I a sucker to pay for a new roof?

How much does it cost for a new roof? As has been pointed out, was there a lot of wind to damage the roof? Falsely claiming damage when there is none is insurance fraud ! Also, you may have your rates go up because of the claim - if you are in a particularly windy area, insurance company may increas...
by imyeti2
Sat May 25, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: is A in accelerated better than B in honors for undergrad application.
Replies: 22
Views: 1904

Re: is A in a/e better than B in honors for undergrad application.

If you post using a clear subject, you may get better responses. a/e was somewhat cryptic for me.
by imyeti2
Thu May 23, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 4343

Re: Expensive front load washer/dryer worth it?

We had a front load washer in the laundry room on the 2nd floor. The whole house shook on the spin cycle. It can damage the floor structure over the long run.
If you want a front load washer, please put it in basement on sturdy concrete flooring.
by imyeti2
Thu May 23, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: PA 529 thoughts
Replies: 13
Views: 1179

Re: PA 529 thoughts

The limits on state tax breaks are very high in PA. $14 K per person per beneficiary.
However, the tax rate is flat at 3.07% - assuming you put all $50 K in 529, max tax savings would be ~1.5 K.
by imyeti2
Wed May 08, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529 strategy with no alternate beneficiaries
Replies: 21
Views: 1389

Re: 529 strategy with no alternate beneficiaries

Do you / your spouse have access to a Mega backdoor Roth? I'd think about funding that over 529. If your young one does not go to college, you may be able to use it for your retirement. I recently learned about my MegaCorp allowing us to do a Mega backdoor Roth. I'll suspend my 529 contribution bey...
by imyeti2
Wed May 08, 2019 5:28 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 1158

Re: Mega-Backdoor Roth (MBR) vs 529 for college

The problem is, when money is in Roth, you don't want it to be out. if you can't fund 529, just let children borrow and you could help them to repay the loan. For me, I always separate 529 and retirement funding. I did 529 when kids were born and stop fund when the number reach 4 year public school...
by imyeti2
Wed May 08, 2019 1:15 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 1158

Re: Mega-Backdoor Roth (MBR) vs 529 for college

+1 I plan to max out thru MBR. However, in MA, we have a $2 K tax benefit. Also have the prepaid plan for schools in MA. I plan to fund that prepaid plan that will take care of the tax benefit and use it as a "cash" position in my overall asset allocation. I've come to think 529s are overrated vs th...
by imyeti2
Wed May 08, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: 529 strategy with no alternate beneficiaries
Replies: 21
Views: 1389

Re: 529 strategy with no alternate beneficiaries

Do you / your spouse have access to a Mega backdoor Roth? I'd think about funding that over 529. If your young one does not go to college, you may be able to use it for your retirement. I recently learned about my MegaCorp allowing us to do a Mega backdoor Roth. I'll suspend my 529 contribution beyo...
by imyeti2
Sun Mar 24, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Spending summers at vacation home in New Hampshire - tax question
Replies: 5
Views: 907

Spending summers at vacation home in New Hampshire - tax question

Hello, I'm trying to understand income tax implications of owning a vacation home in NH that has no state income tax. We live in MA and would like to buy a vacation home in NH - weekends in winter and the whole summer. DW works from home. I could do that as well. Say from June end to Aug end, the wh...
by imyeti2
Sat Mar 23, 2019 7:01 pm
Forum: Personal Investments
Topic: High Tax bracket strategies
Replies: 49
Views: 6112

Re: High Tax bracket strategies

newinvestor54 wrote:
Sat Mar 23, 2019 11:33 am


Deferred comp might be an option for some, but the plan offered at my work doesn't have good payout terms at termination.

Can you elaborate on what this means "good payout terms at termination" ? DW has this option. Have never used this before - would like to understand more. Thanks.
by imyeti2
Wed Mar 20, 2019 3:27 pm
Forum: Non-US Investing
Topic: Non-resident Indian deposits
Replies: 17
Views: 1854

Re: Non-resident Indian deposits

crystalbank wrote:
Wed Mar 20, 2019 3:20 pm
I wouldn't bother dealing with all the paperwork required just for a 1% extra return. All my dealings with Indian Banks are very frustrating and I would always avoid it at all costs. BTW I'm of Indian Origin too.
This !!!
by imyeti2
Sun Mar 17, 2019 9:24 pm
Forum: Personal Investments
Topic: Spouse recharacterized IRA instead of converting
Replies: 3
Views: 355

Re: Spouse recharacterized IRA instead of converting

What do you mean by recharacterized?

If you contributed to tIRA and converted to Roth, you're fine. While doing your taxes, don't take a deduction for tIRA.
by imyeti2
Sun Mar 17, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 9212

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Do you need an all wheel drive like the Subaru where you live? Is there a reason you'd want to keep your Subaru rather than trading up for a minivan? Do you/family plan on taking road trips once the kids get older? How tall are you/your family? We traded up to a Honda Odyssey and absolutely love the...
by imyeti2
Sat Mar 16, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: New HVAC systems before selling home
Replies: 29
Views: 2531

Re: New HVAC systems before selling home

I'd get the quotes and keep them handy. This is definitely not an ideal situation for you. The potential buyers would ask for a discount - you have the quotes handy. If I were the buyer, I'd ask for a discount and install a system that fits my needs. I'd also try to haggle aggressively for a deep di...
by imyeti2
Sun Feb 24, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 60
Views: 5872

Re: Dental Insurance

I've been told that it is not a Dental Insurance rather a Dental benefit provided by your employer. If you need to get dental work done in the future, I'd check out dental schools near where you live. Dental students guided by professors provide quality services at fraction of the cost. The only dow...
by imyeti2
Thu Feb 21, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 24 Hours to Decide?
Replies: 100
Views: 7894

Re: Job Offer - 24 Hours to Decide?

I had a candidate accept my offer and renege a week before joining. Such is life.

If you accept now and do not join later, what harm can it cause? It is definitely unethical ...
by imyeti2
Thu Feb 14, 2019 11:16 am
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 159
Views: 24598

Re: Theory: NOW is the Best Time for Total World Stock

From 1980s to now, lot of US companies have become global. Also reverse is true. By owning stock in large US companies, you are already being exposed to global markets.
by imyeti2
Mon Feb 11, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12534

Re: Need Help - DW Laid Off and Company wants her back now

So an update to this. They came back with an offer of ~6 weeks of pay to have her join back, however with a 1 year commitment to stay. Constant calls from all levels of leadership to the point that she is physically tired of speaking to everyone. Nothing can be done about the RSUs because of company...
by imyeti2
Fri Feb 08, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12534

Re: Need Help - DW Laid Off and Company wants her back now

DW has received many phone calls since yesterday. From the COO (the business unit leader who made the decision reports to the COO) to someone else reporting to the CEO (lets call him X). Both of them are pleading her to say. They promise her that changes will take place and they are going to replac...
by imyeti2
Fri Feb 08, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12534

Re: Need Help - DW Laid Off and Company wants her back now

I know exactly what happened and have all the facts and know exactly how much her company will offer her to come back. I sent the OP all the relevant information in a certified letter. OP started a thread 6 months ago about taking possession/or not of a certified letter. It went four pages and he n...
by imyeti2
Thu Feb 07, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12534

Re: Need Help - DW Laid Off and Company wants her back now

Thank you all for your comments and suggestions. She works in healthcare consulting. There is lot of infrastructure costs - so difficult to fly solo. She works from home - the company has this business model. Everyone works from home. So the call was from her manager's manager and HR together. This ...
by imyeti2
Wed Feb 06, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12534

Need Help - DW Laid Off and Company wants her back now

Hello, We have an interesting situation here. DW had a senior position in consulting company and is not billable. However, because of her very strong expertise, she is a valuable employee and has the ability to bring in business and influence clients. DW was called this morning and notified that she...
by imyeti2
Tue Feb 05, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Need great hand held vacuum for stairs
Replies: 20
Views: 1294

Re: Need great hand held vacuum for stairs

why not try Dyson?
by imyeti2
Sun Feb 03, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Rollover from 529 to Prepaid Tuition Plan
Replies: 1
Views: 166

Rollover from 529 to Prepaid Tuition Plan

Hello, We live in MA and have the Mefa prepaid tuition plan that we can enroll in. For a long period, we have been investing in NY 529 and have accumulated a fair amount of money. We're wondering whether we can move some of the 529 funds from NY 529 to the MA U.Plan Prepaid Tuition Program. The issu...
by imyeti2
Mon Jan 21, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: First time renting a house from landlord: What to check?
Replies: 11
Views: 1189

Re: First time renting a house from landlord: What to check?

Ask you question on Bigger Pockets forum. You'll may get good responses there also.

https://www.biggerpockets.com/