Search found 1525 matches

by Katietsu
Mon Sep 17, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 930

Re: Vanguard vs. EJ vs. Fidelity

Do you have a Fidelity off ice nearby? Some people appreciate being able to go to the office in person when forms need completed etc. This would be an advantage for Fidelity. You could simply tell Fidelity you want everything to go to the Fidelity Freedom Target date Index fund of your choosing. (Ma...
by Katietsu
Mon Sep 17, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2055

Re: $180 IPhone SE or $90 Iphone 5S

For a $90 difference there is no comparison. New vs used, 5s processor vs 6s in the SE. And what about the battery? A battery replacement can cost almost the same as the price difference in the phones. Additionally, the SE has double the storage space so you will not have to worry about it if you wa...
by Katietsu
Mon Sep 17, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2055

Re: $180 IPhone SE or $90 Iphone 5S

I would strongly consider moving to a 7. The SEs do not have access to the full bands of cellular networks. If you want full LTE, they are more or less tied to the carrier they are designed for, and subsequent MNVOs. Buying an SE might be a cost saver, but over the long term you are stuck with a ne...
by Katietsu
Sun Sep 16, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 126
Views: 8065

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Option 1: Stay with the company and move back to a 50 hour work week in another position. Accept potentially never being promoted again. Assess the likelihood of being able to stay around to retirement age in a role that does not make you dread going to work. Option 2: Get a new job now. Half as muc...
by Katietsu
Sun Sep 16, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 791

Re: Cheapest smartphone option for 2 weeks

It depends on what you want to do with it and how much data you need. If I was only going to be without Home internet service for a day or two, I would have different needs than if I was going to be driving cross country for those two weeks. If acceptable, I would keep it simple and just go into a T...
by Katietsu
Sun Sep 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 126
Views: 8065

Re: Considering Quitting Job - Seeking Advice. Would you do it?

As someone about 5 years older than you, I will say that DH and I both feel we peaked around your age as far as the ability to to pull off those heavy workloads for more than a few days at a time. I remember a parent saying the same thing and not really understanding at the time. So my warning to yo...
by Katietsu
Sun Sep 16, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much to request on increase credit line & Large loan approval
Replies: 7
Views: 346

Re: How much to request on increase credit line & Large loan approval

You probably won’t have any trouble regardless. If you do, it likely will not be because of your credit score. However, my suggestions are this: For the month or two before the car loan, simply pay off your credit card a couple of days before the statement date. So, for instance, you can charge $500...
by Katietsu
Sat Sep 15, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 27
Views: 1704

Re: HOA Donation in Remembrance of Deceased Owner

Have no idea how common. I have seen flowers at a funeral home with a card from the homeowners association. Of course, I have no idea if the flowers were purchased from mandatory fees or a voluntary fund.
by Katietsu
Sat Sep 15, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary unallowed in joint taxable -move to single acct?
Replies: 10
Views: 718

Re: Beneficiary unallowed in joint taxable -move to single acct?

What is worrying you? If something happens to you and your wife, I highly suspect that your newborn would inherit as an intestate heir. Since you are talking about a minor child, the courts would need to be involved anyway cause a newborn can’t cash their own checks. And this is a temporary situatio...
by Katietsu
Sat Sep 15, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 697

Re: CP2000 - rollover Vanguard IRA to TSP

Yes, call the number on the CP2000 notice. That number will get you directly to someone who has the ability to look at and discuss the specifics of your case. Given the documentation that you already provided, it is quite possible that the whole thing could be cleared up while you are on the phone.
by Katietsu
Thu Sep 13, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7760

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in se...
by Katietsu
Wed Sep 12, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1841

Re: 1 year old birthday

I would go to a party in a small condo but I would hope the party was appropriate for the space and type of guests.If you have a small space, keep the numbers small. If you have young children who don’t have a yard to run around then plan a stationary craft or game activity. Also, keep it short with...
by Katietsu
Tue Sep 11, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Regular savings via after-tax 401(k) account
Replies: 7
Views: 700

Re: Regular savings via after-tax 401(k) account

I don't see why you would do after-tax 401k contributions without utilizing backdoor Roth. You refer to possibly needing the funds, but if that is the case, why would you want the funds tied up in your 401k? Are you over age 59.5? Designating them as non-Roth after-tax circumvents the age 59.5 requ...
by Katietsu
Mon Sep 10, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4480

Re: $250,000 family loan to parents?

People are making this way to complicated. A simple home loan to your parents, sounds like a primary mortgage. It has the benefit of being truthful, simple, and protects everyone. Why make it more complicated than that? Give them time to process the changes in their life and ease out of the old hou...
by Katietsu
Mon Sep 10, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3070

Re: Father Wants a Home Mortgage (Bad Credit Score)

Unlike some others, I am not opposed to mixing family and money. But I do think you need to be very careful in working out all the details since the consequences of a bad outcome are so much greater than just the lost of funds. My concern for you is whether or not you know the full story. Your Dad h...
by Katietsu
Fri Sep 07, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 589

Re: What sort of account could my MIL have just set up for my husband?

If she has IRAs should could be completing the beneficiary information; or TOD transfer instructions for bank accounts. +1 If her assets are minimal as you describe, this would be especially useful. It would allow any money that was left in the bank account to go directly to the kids without wills,...
by Katietsu
Tue Sep 04, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs Traditional IRA
Replies: 23
Views: 1129

Re: 403b vs Traditional IRA

I don't see the 60/40 fund you mentioned as an option but I may just be missing it in the long list of Vanguard choices. Two more questions: Should I suggest that they follow rule: tax deferred should be in bonds? When choosing a fund, should much weight be given to Morningstar rating? I know there...
by Katietsu
Tue Sep 04, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1669

Re: [How do I include inflation in my pay raise?]

I'm a bit confused by the discussion of tax brackets. Can someone provide an example with numbers? I'll make up some numbers to make the math easier. Suppose that the standard deduction is $20,000, and you then pay 10% tax on taxable income up to $10,000, and 15% tax on the amount from $10,000 to $...
by Katietsu
Mon Sep 03, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1072

Re: How do I get rid of big project t.v.?h

I have disposed of TVs in a few ways still legal. In one state, the trash services must take electronics one day a month. In my case, you must call a week before your neighborhood’s pick up date to schedule. In another state, each county has a solid waste authority that schedules recycling dates to ...
by Katietsu
Mon Sep 03, 2018 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate Vanguard's Proposed Plan for my portfolio
Replies: 22
Views: 2189

Re: Evaluate Vanguard's Proposed Plan for my portfolio

A few comments: -I think there was some confusion with your post in that many readers thought that the tax managed balanced fund was part of Vanguard’s proposal. I believe that you were indicating that it is a current fund that will be sold. - The equity part of the proposal is to add international ...
by Katietsu
Sun Aug 26, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year's old with no retirement savings.
Replies: 31
Views: 3205

Re: 28 year's old with no retirement savings.

Many have said this but just to be clear...Do not put any money into the Roth IRA unless you are putting enough in the 403 b to get the full match. In fact, I would even close the Roth and pull the money out if that was needed to get me closer to the 403b match.
by Katietsu
Sun Aug 26, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Helping aging parents (in another state) with housing and care?
Replies: 11
Views: 1261

Re: Helping aging parents (in another state) with housing and care?

Are you planning on a single family home with all the care and upkeep that involves? At 75 and 80 years, the chance that your parents will need an increasing amount of help to maintain a single family home and independent living over the next five years is significant. The chance that an acute event...
by Katietsu
Fri Aug 24, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1140

Re: Alexa for seniors, especially blind or low vision

The things most used by my elderly relative include: asking about the weather, asking it to set an alarm, asking it to play music and audiobooks. You can ask it for the news in the morning and you will get a quick news brief. She also asks questions that you might google: how many ounces in a gallon...
by Katietsu
Fri Aug 24, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1140

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button. If you have a landline, you can purchase an “Echo Connect.” This would allow yo...
by Katietsu
Thu Aug 23, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4085

Re: relationship issues - advise needed

oh no, i already called EAP and they set me up with a independent counselor - they said it is confidential by law unless they sense i may harm myself or others...oh well...EAP says, i have 5 free sessions Don't call EAP (employee assistance)! The last thing you want to do is get your employer mixed...
by Katietsu
Thu Aug 23, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Reversing credit card charge for short-term vacation rental gone awry
Replies: 26
Views: 1611

Re: Reversing credit card charge for short-term vacation rental gone awry

You should be specific and focus on the most objective problems. Based on the OP, I would probably agree with the agency unless the OP had photos that were in conflict with the listing photos. It sounds like you made the right choice for you by leaving. Beautiful vs dumpy is too subject to the eye o...
by Katietsu
Wed Aug 22, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1140

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button. If you have a landline, you can purchase an “Echo Connect.” This would allow yo...
by Katietsu
Wed Aug 22, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: CPA/Account error - who's responsible?
Replies: 24
Views: 2065

Re: CPA/Account error - who's responsible?

3. Late extension was based on accounting firms inability to file timely. We submitted extension, along with another estimated pre-payment back in April. I think you mean that a regular extension was filed in a timely manner. In other words, an extension was filed on your behalf before April 18. A ...
by Katietsu
Mon Aug 20, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12082

Re: Excessive Emergency Room Charges - Options?

Have you confirmed that the insurance company is paying as an emergency? I have been billed above the co pay for using an out of network ER. All I had to do was justify that it was an emergency. The insurance company picked up the additional charges.
by Katietsu
Mon Aug 20, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2762

Re: Retire and become an Adventure Guide

Based on conversations with friends who have worked in this area, the greatest cause of stress and burnout is being responsible for the life and health of others. These others may not have the physical fitness or experience that you would hope for. And, more significantly, might not follow your stan...
by Katietsu
Sun Aug 19, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help -- Wife's Roth 401k Contribution
Replies: 6
Views: 384

Re: Need Help -- Wife's Roth 401k Contribution

I do not know if I am missing something...but it looks to me that the match is only for those contributions representing up to 6% of the base pay. It appears that she is already contributing 21% of her pay and therefore already receiving the maximum match. It also appears that the 6% limit is applie...
by Katietsu
Sat Aug 18, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2207

Re: Online Banking - School Me

Consider checking out a couple of regional banks in your area. They sometimes have good deals even though their standard rate is poor. For instance, one bank here offers a 1.6% money market if you have a checking account and keep a $25000 minimum balance. So, the convenience is worth a .2% lower ret...
by Katietsu
Sat Aug 18, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: funds from inheritance [how is it taxed?]
Replies: 9
Views: 907

Re: funds from inheritance [how is it taxed?]

Whether there are capital gains taxes and whether or not the taxes are paid by the estate or reported by each individual is affected by the specifics of the situation. But, as stated previously, if the property is sold within a reasonable amount of time, there would be no capital gain ordinarily. No...
by Katietsu
Sat Aug 18, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 76
Views: 8781

Re: For those of you in the Accumulation Phase - How often do you check?

Probably every other day, it's just too easy. Everyone month I tally in an Excel spreadsheet to see if I'm outside of rebalancing bands in order to direct next month's contributions (my form of active management!) Everyone here is talking about a spreadsheet this and a spreadsheet that. Why can't a...
by Katietsu
Fri Aug 17, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 76
Views: 8781

Re: For those of you in the Accumulation Phase - How often do you check?

Probably every other day, it's just too easy. Everyone month I tally in an Excel spreadsheet to see if I'm outside of rebalancing bands in order to direct next month's contributions (my form of active management!) Everyone here is talking about a spreadsheet this and a spreadsheet that. Why can't a...
by Katietsu
Fri Aug 17, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1908

Re: Automatic Investment in a Taxable Account

I’m not aware of any accumulating (no dividend) investment methods in the US. I am confused by this statement. Suppose if you buy a stock, but never sell it, I assume the stock will have unrealized gain and loss, but incur minimal dividend or interest. Is my understanding correct? I am going to add...
by Katietsu
Thu Aug 16, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 98
Views: 8728

Re: Elderly Relative Short on Money

It looks like she might even have no federal liability at all. Is this a high cost of living area because that seems like high rent for someone in her situation? If her health is good, you might want to look into an immediate annuity for part of her funds. You will also need to plan for the likeliho...
by Katietsu
Thu Aug 16, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wife turning 65. Need to enroll in medicare?
Replies: 6
Views: 848

Re: Wife turning 65. Need to enroll in medicare?

I am hoping someone more knowledgeable comes along. However, I believe that since your employer plan involves less than 20 employees, the group plan would be secondary to Medicare. Consequently, you would need to enroll in Part A and Part B (maybe Part D too) within about 7 months of turning 65 or f...
by Katietsu
Thu Aug 16, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Source of Roth Funding
Replies: 12
Views: 695

Re: Question on Source of Roth Funding

Sorry for the confusion, the $200k is from my mother’s trust , which per my understanding won’t count as income against my taxes . I thought a “back door” was when you first would use the $200k cash to open a tIRA and then immediately convert to a Roth. For the other option I would withdraw money f...
by Katietsu
Thu Aug 16, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1363

Re: Solutions for Printing from a Chromebook

Personally, I just bought a new printer when I was in this situation. So many printers start out as loss leaders and become really cheap when you add a sale. I took the per page cost into consideration but was not too concerned with this given the limited number of pages I actually print per month. ...
by Katietsu
Thu Aug 16, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4055

Re: High tax bracket - Go 100% Roth in tax advantaged?

Often when I read BH posts from “younger” people, my middle aged mind brings up the old adage..”Man plans, and God laughs.” Personally, I would stay with traditional for the 403b for now. RMD’s and pensions are far enough away to have a significant chance of change. Also, I would be sure I understoo...
by Katietsu
Mon Aug 13, 2018 3:47 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2600

Re: Rental House Issue

In my experience, you are required by law to limit your losses. So, you must use due diligence to get a new tenant in as soon as possible. You can not just let the place sit empty by choice until the end of the lease and have the “old” tenants pay the rent. The only way you could pursue the current ...
by Katietsu
Wed Aug 08, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 1926

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

The plan described in the original post is perfectly fine. I am not sure why you think it is not possible. You can say you agree with one proposed change but disagree with the second proposed change. And you can send a payment for the change you agree with. Being questioned about a 529 withdrawal is...
by Katietsu
Wed Aug 08, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Cash Gift to Sibling - Trust or...?
Replies: 7
Views: 942

Re: Cash Gift to Sibling - Trust or...?

Have you considered the tax implications of your plan? If this is done “off the books”, you could end up with an unnecessary enormous tax income tax bill down the line.

Please get good advice before proceeding.
by Katietsu
Tue Aug 07, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2423

Re: Moving soon; whom to hire to help me move?

If the difference is really only going to be $700 vs $1000, I would be inclined to go with the full service company. I will say that there is no license needed to operate a moving company within my state. I would guess that hiring a full service moving company within the state would not alone guaran...
by Katietsu
Mon Aug 06, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Help! Death of Grandfather - creating to do list for Grandmther
Replies: 23
Views: 1787

Re: Help! Death of Grandfather - creating to do list for Grandmther

Thanks for the info! I did do some digging regarding the car insurance, and I thought I'd write here in case it affects anyone else. If the deceased is the only policyholder of the car insurance (which is the case here with my grandparents), then no one will be insured in that car until the policyh...
by Katietsu
Mon Aug 06, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Help! Death of Grandfather - creating to do list for Grandmther
Replies: 23
Views: 1787

Re: Help! Death of Grandfather - creating to do list for Grandmther

A couple posters have advised to get extra death certificates. I will just throw out a number. We requested 15 when my mother died in 2009. I have 4 originals left. I think we only had one or two originals returned to us. I found out that I needed very few. Local banks looked at original, made copy...
by Katietsu
Sun Aug 05, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9534

Re: Do We need health insurance??

Also, here's one other option to consider - with that level of net worth you can easily get Canadian citizenship. That way, you shield yourself against any catastrophic events without having to pay the premiums. I will caveat Canadian health care system is really bad and a huge downgrade for those ...
by Katietsu
Sat Aug 04, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: retiring from military to federal job
Replies: 15
Views: 1636

Re: retiring from military to federal job

A minor consideration is that converting the military pension to a federal pension may result in a loss of certain breaks given for military retirement. The one that comes to mind is state income tax. Of the state’s with income tax, over 80% do not tax either any or part of the military retirement i...
by Katietsu
Thu Aug 02, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6708

Re: Nervous about not using a personal wealth manager. How do I do this myself?

tfb wrote:
Thu Aug 02, 2018 12:54 pm
Katietsu wrote:
Thu Aug 02, 2018 12:42 pm
I wonder if tfb noticed the VUL policy when he said there were no red flags.
Where? I didn't see anything posted by the OP. That said, if the plan isn't good, the OP should get a good plan and then follow it him/herself.
Sorry, I read two very similar threads back to back. My error.