Search found 50 matches

by Pyrite
Sat Dec 30, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Nevada 529 vs Utah 529
Replies: 7
Views: 965

Re: Nevada 529 vs Utah 529

Have you considered the Colorado Stable Value 529 plan? Earns about 2.5% with minimal risk. I have one kid in college and I've moved enough money from his Utah 529 to the Colorado plan to cover the remaining years of college, and I'm in the process of doing so gradually for my younger child who is a...
by Pyrite
Mon Jun 19, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 7879

Re: Best Financial Advice from Dad (in honor of father's day)

Both of my parents taught me a lot by example, most of it good: live below your means, keep track of your spending (they had a sheet of paper on the fridge each month where every expense went), buy used cars, max out your 401k and IRA. And a little bad: they lost quite a bit of money in the early 80...
by Pyrite
Sat Feb 04, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comfortable car seat
Replies: 19
Views: 1748

Re: Seeking comfortable car seat

When you have back problems, the heated seats act like a heating pad. In other words, they do more than just warm the seats; they radiate heat into your spine. And some car manufacturers -- Honda in at least one model that I'm familiar with, the HR-V -- now offer heated cloth seats. If you want to ...
by Pyrite
Fri Jan 27, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 71
Views: 8632

Re: FAFSA for High Net Worth Parents?

Can not speak for private colleges but all Public schools require FAFSA for any kind of Aid. Our son was given merit full tution for 5 years at a public university before we filled out FAFSA, but we had to fill it out before they will actually give the money. If you like free money, some times that...
by Pyrite
Wed Jan 04, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment For House (take from portfolio or current income)
Replies: 6
Views: 843

Re: Downpayment For House (take from portfolio or current income)

How much equity do you have in your current house ? 100% All the best, -Maria Couldn't you also get a home equity loan on your current house to use as the down payment (or part of it), and then pay off the loan a few months later when you sell the old home? (I'm assuming here that you'll be selling...
by Pyrite
Sun Dec 25, 2016 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 17764

Re: Retiring in a Decade after Graduation

I think everyone here can agree that it's a frightening idea that if you got in a wreck, you couldn't walk anymore, and lost your job, how would you sustain a living? A couple posts downthread have mentioned this in passing, but I want to highlight it here: this is why you need to make sure you hav...
by Pyrite
Tue Aug 16, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 7157

Re: Request for recommendations: English Mystery TV series

I loved Broadchurch--David Tennant and Olivia Colman are fantastic. D.I. Hardy is so hilariously grumpy. Have you gotten to the awkward dinner party yet? They are currently filming season 3 (or series 3 as they would say in the UK), which will be the last, according to the creator.* If it follows th...
by Pyrite
Thu Mar 24, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 133
Views: 19162

Re: Best DNA genealogy testing kits

derosa wrote: Mitochondrial test can only be taken by females.
Everyone has mitochondria, so males can do the mitochondrial test; it will only give information about the female line of descent.
by Pyrite
Sun Mar 13, 2016 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 27
Views: 4282

Re: Standard Sales Tax Deduction is Miserly -- here's my way

FYI, I looked into this a while ago, and as I recall my conclusion was that the liquor tax is not deductible, because it is not considered a general sales tax. (Though if there is also sales tax you can deduct that part.) However, I would be happy to be proven wrong so I could deduct the tax on my h...
by Pyrite
Wed Jan 27, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Defined cash benefit plans. How to classify in AA and realistic expectations for returns
Replies: 7
Views: 715

Re: Defined cash benefit plans. How to classify in AA and realistic expectations for returns

For those that haven't heard of this type of plan before, EmergDoc did a brief writeup on his blog last summer: http://whitecoatinvestor.com/cash-balance-plans-an-extra-retirement-account/ I had always assumed that if my husband's group ever stopped dragging their feet and actually started one, I wo...
by Pyrite
Sat Dec 12, 2015 1:53 am
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 6881

Re: We have a major bedding issue. Yes, bedding.

I second the idea of two twin duvets. We slept in a bed like that in Sweden and it was very cozy. Sheet suspenders will help keep the lower sheet in place if that is an issue (though they will also make it more of a pain to change the sheets). If you do decide to try two extra-long twin mattresses o...
by Pyrite
Sat Dec 05, 2015 12:49 am
Forum: Investing - Help with Personal Investments
Topic: Variable annuities Yes/No
Replies: 50
Views: 6198

Re: Variable annuities Yes/No

My answer: No. Variable annuities are both more expensive and more complicated than investing in low-cost index funds. Your adviser is pushing them because your adviser makes more money on them. Here is a relevant blog post from a frequent poster on this site: "8 Reasons Why You Should Invest With M...
by Pyrite
Wed Dec 02, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 19248

Re: My estranged brother is dead, and I am next of kin

If you do end up being his executor, get more death certificates than you imagine you'll need. I had a friend who was executor first for her dad and then her grandmother. She got 10 certificates for her dad and it wasn't even close to enough, and it was a hassle to order more (though I should note s...
by Pyrite
Wed Nov 25, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 9031

Re: Protecting carpet from office chair wheels

My mat is pretty firm. It can flex a bit, but it is firm enough that there is no cupping at all and I can roll the chair very easily, and that is with a fair amount of weight on the chair (unfortunately!). I think thinner polycarbonate mats might have problems with cracking, but mine is thick enough...
by Pyrite
Wed Nov 25, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 9031

Re: Protecting carpet from office chair wheels

I got a polycarbonate chair mat 5 years ago when I got new, medium-to high pile carpet (with a nice cushy pad under it). It was pricey--about $200 plus $70 shipping for my 42X47 inch mat. I bought it from thematstore.com but I don't see the exact size and model there now. The mat is about 3/16" thic...
by Pyrite
Mon Nov 16, 2015 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP Deductible Met, how to benefit
Replies: 12
Views: 1401

Re: HDHP Deductible Met, how to benefit

If you or your family members have any prescription meds, refill them this month and next even if you don't need refills yet. If you're serious about the sleep study, get on it now. They might be scheduling several weeks out. Then you might have to wait a week or so to get the results, and only then...
by Pyrite
Tue Oct 20, 2015 11:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard SpecID displaying Average cost basis
Replies: 8
Views: 1152

Re: Vanguard SpecID displaying Average cost basis

Doc wrote:Are you on the original mutual fund platform or on the new Vanguard Brokerage Services platform?
Original.
by Pyrite
Tue Oct 20, 2015 2:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard SpecID displaying Average cost basis
Replies: 8
Views: 1152

Re: Vanguard SpecID displaying Average cost basis

I can't tell you why it's happening, but I can tell you this happened to two of my accounts. I noticed the issue earlier this year (don't know how long it had been the case). I emailed my rep and they got it fixed in a week or two. I think a few others have had this issue too. So it's not just you.
by Pyrite
Sat Oct 17, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fine Tuning Fund Locations Approaching Retirement While Maintaining AA
Replies: 10
Views: 881

Re: Fine Tuning Fund Locations Approaching Retirement While Maintaining AA

The issue is the money you plan to draw first is in these very risky stock funds (lets say stocks drop 50%, now would you still withdraw from taxable?). livesoft answered this above but I'll expand on it, since this is a source of confusion for both you and the OP. Generally the most tax-efficient ...
by Pyrite
Wed Oct 14, 2015 11:32 am
Forum: Investing - Help with Personal Investments
Topic: What do you think of this lifetime investment plan?
Replies: 8
Views: 1631

Re: What do you think of this lifetime investment plan?

My route to securing modest gains for short term savings will be to always use low-risk savings accounts because the value of an investment in the short term is never a sure thing. I plan on using a Money Market account to do this. I would add to this that you should shop around for rates. A high y...
by Pyrite
Mon Oct 12, 2015 12:38 am
Forum: Personal Consumer Issues
Topic: Buying pillows
Replies: 10
Views: 1964

Re: Buying pillows

+1 for a buckwheat pillow. Be sure to get one with a zipper so you can add/remove buckwheat hulls to get it to the thickness and firmness you prefer.

I also have a quilted cover on mine, to give it a tiny bit of cushioning over the hulls.
by Pyrite
Sat Oct 10, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term disability monthly benefit
Replies: 7
Views: 796

Re: Long-term disability monthly benefit

Really? So instead of doing 2/3 or whatever factor my agent gave me, I can just say "I'd like to only replace $3000/month"? He made it seem like the amount was fixed based on my income. Yes, you can. We recently got a policy for my husband, to pay $2000/month (to supplement a group disability polic...
by Pyrite
Mon Sep 28, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put $300K?!?!
Replies: 25
Views: 4933

Re: Where should I put $300K?!?!

Thank you for the response. I have $291K in my 401K and my wife has 120K. We are currently 20% in a total bond fund within the 401K. Can you explain why I would load my 401K tax deferred account with bonds. How is it different from holding tax exempt municipal bond funds in my taxable account? Yes ...
by Pyrite
Thu Sep 24, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put $300K?!?!
Replies: 25
Views: 4933

Re: Where should I put $300K?!?!

Excuse my lack of knowledge, but does a portion of the total bond market index fund contain tax exempt municipal bonds? For someone in the highest tax bracket, does the total bond index fund still make sense? Where would you recommend the core majority of my bond holdings be placed? Thank you. Tota...
by Pyrite
Sat Sep 19, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 5902

Re: Free Kindles Today

PaddyMac wrote:From what I can tell, you have to have a Kindle device, not just a Kindle app on your iPad, to take advantage of the Free Kindle books. :(
I had no problem downloading them and opening them in the Kindle app on my iPad, just like any other Kindle book purchased from Amazon.
by Pyrite
Tue Sep 15, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Experiences with Washington State Deferred Compensation Program?
Replies: 8
Views: 2187

Re: Experiences with Washington State Deferred Compensation Program?

Thank you both for your input on the bond fund. My DCP looks exactly like skylars--100% in the Large Cap Index. I'm in a similar position to the OP, where my high-earning spouse has a much larger tax-deferred account than mine, and between that and our taxable account it isn't a problem for my DCP a...
by Pyrite
Sun Sep 13, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Experiences with Washington State Deferred Compensation Program?
Replies: 8
Views: 2187

Re: Experiences with Washington State Deferred Compensation Program?

I use the Washington state DCP and there aren't any kind of gotchas or problems with it. As you said, the expense ratios are pretty good for all of the funds (though you do have to do a bit of digging to figure them out). The only quirk as I see it is that I really don't understand the composition o...
by Pyrite
Sat Sep 12, 2015 1:16 am
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 13241

Re: The Japanese Art of Decluttering and Organizing (Book)

So, if you're only supposed to keep the things that bring "joy"--well, clothes don't bring me joy. Am I supposed to give them all away and walk around naked? Furniture doesn't bring me joy, but my houseguests would think less of me if they arrived to find nothing to sit on. Vitamins and medications...
by Pyrite
Tue Aug 25, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another TLH question - Are most of you switching back after 30/60 days?
Replies: 27
Views: 2788

Re: Yet another TLH question - Are most of you switching back after 30/60 days?

VOO + VXF = VTI Therefore, there are many roads to Dublin, if you wanted to approximate VTI you could have purchased 70% VOO and 30% VXF. :) I cannot buy VOO + VXF as a replacement. That would be a wash. My understanding is that you are wrong about that. VOO is not substantially identical to VTI, s...
by Pyrite
Tue Aug 11, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Fabric protection (for armchairs)
Replies: 11
Views: 1316

Re: Fabric protection (for armchairs)

A DIY blogger I follow recommends Vectra for protecting upholstery:
amazon link

I haven't used it myself, but it gets good reviews on amazon. I saved the link awhile ago because I'm planning to make some cream colored cushions for an armchair and I think I'll try it out then.
by Pyrite
Thu Jul 09, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 14944

Re: Worst financial book you have read (or will admit you have read)

What is the worst financial book that you read? To give the thread some action lets generally call this a list of book to avoid that don't align with the Boglehead way. I will start if off with: [Wealth Without Risk] I remember when this book came out, I even spent my good hard earned cash for a co...
by Pyrite
Thu Jun 11, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 24
Views: 4558

Re: Banff & Jasper with 1.5-yr old daughter.

I never trusted a car rental company to have a good car seat, or to even have one at all. I would bring your own. Are you buying your child a seat on the airplane? If so, bring the car seat on and use the car seat on the plane. If not, you could probably gate-check the car seat, like people do with ...
by Pyrite
Wed May 13, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Time Management
Replies: 14
Views: 3651

Re: Time Management

My teenage son was recently diagnosed with ADD, and the pediatrician (who has ADD himself) highly recommended a book called "ADD-Friendly Ways to Organize Your Life"--it's aimed at adults, not kids. I haven't read a lot of it yet, being a procrastinator myself, but there is a big section on organizi...
by Pyrite
Tue May 05, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Living in Vancouver WA?
Replies: 30
Views: 11373

Re: Living in Vancouver WA?

Thanks for the heads up. If that is the case then Spokane might be worth another look. My wife can pretty much work anywhere but I'm not quite ready to take early retirement or be a house husband just yet. I expect we can pretty much handle any kind of weather. I grew up in western Oregon and lived...
by Pyrite
Mon May 04, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Living in Vancouver WA?
Replies: 30
Views: 11373

Re: Living in Vancouver WA?

Yes we actually have looked at Spokane and visited last summer. My wife especially liked the area north of the city around Mead and those more rural areas up there. Seems like a nice city although it has a reputation for crime that may or may not be deserved. I think the issue with Spokane is that ...
by Pyrite
Tue Mar 03, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Generating pre-retirement income from portfolio, and more
Replies: 7
Views: 1369

Re: Generating pre-retirement income from portfolio, and mor

I am guessing that the annual need will be $75k for three years beginning in September 2015 (when the first child starts college), $125k in the 4th year (when both kids are in college), and then $75k for another three years the second child finishes school. So we're looking at $575k in need for col...
by Pyrite
Sun Mar 01, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 6331

Re: Does a Roth IRA make sense if you live in a high COL pla

Are you saying to just go all-in with my 401k instead? At the limit of $18k I'd have to contribute something like ~23% out of pocket, since (.23+.03) * 70000 = 18200. Is this correct? I haven't seen anyone else address this math, so I wonder if I'm missing something. But it seems to me, OP, that yo...
by Pyrite
Sun Feb 15, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciated assets => UGMA => Private School Tuition
Replies: 5
Views: 399

Re: Appreciated assets => UGMA => Private School Tuition

Your daughter's first $2000 in unearned income will be taxed at her rate (i.e., 0% capital gains rate); anything over that will be taxed at your rate. So you could use this for some of her tuition each year, and deal with a little bit of your gains this way. You could continue this in college for he...
by Pyrite
Sun Jan 25, 2015 1:50 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 4011

Re: Hawaii Visit (Maui). Need advice

Maui is my favorite of the islands, and we're going again in a few months. If you are interested in a luau, I recommend the Old Lahaina Luau (in, as you might guess, Lahaina). We've been three times over the years. I second the rec for the 'Iao Valley, it is gorgeous. I have also enjoyed touring the...
by Pyrite
Thu Jan 22, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: TV sound options for hearing impaired
Replies: 14
Views: 2699

Re: TV sound options for hearing impaired

What would be really nice would be a way to send the sound channel directly to the hearing aids (bluetooth?) so the listener doesn't need any extra headset, but I'm not sure if that's an option. My dad has exactly the system you describe. It is called Phonak TV Link, and he wears a small device on ...
by Pyrite
Fri Dec 26, 2014 6:29 pm
Forum: Personal Consumer Issues
Topic: Multiple LEDs on same dimmer
Replies: 7
Views: 1317

Re: Multiple LEDs on same dimmer

The problem is more likely with the dimmer switch, unless it is new. Older dimmer switches often don't work well with CFLs and LEDs; you need one that is specifically compatible with the newer bulbs. I don't know a lot about them but here are a few links to get you started: http://www.leviton.com/OA...
by Pyrite
Sun Dec 21, 2014 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 1-day-old Bogleheader seeking portfolio review
Replies: 25
Views: 5013

Re: 1-day-old Bogleheader seeking portfolio review

She has a rollover IRA which means this would not work for her.
Laura, couldn't the OP roll this IRA into her 401k plan, assuming they allow it, and then be free to do a back door Roth? Or does the fact that this was originally a rollover from another plan make this impossible?
by Pyrite
Tue Nov 11, 2014 4:06 pm
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 11079

Re: Yet Another Credit Card Thread

(btw, that's $47,500 to break even w/ the Barclay Arrival Plus @2.2% & $95 annual fee). You are absolutely right, I didn't notice that the OP was comparing it to another card with no annual fee. However, with the annual fee waived the first year and the $400 bonus, the Arrival Plus comes out ahead ...
by Pyrite
Mon Nov 10, 2014 9:27 pm
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 11079

Re: Yet Another Credit Card Thread

It's hard to decide with the Arrival Plus card since the break-even with the annual fee is $44,500 when compared to another card that I forgot to mention, the Fidelity 2% cash back card. That's a little higher than I think I could reasonably spend at this point, but once my CC-chargeable expenditur...
by Pyrite
Mon Nov 03, 2014 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 3341

Re: maximize investment priority - 401k, ira, hsa, lpfsa

RVD, I just want to clarify one thing. You said about step 3, 3. Max out spouse's backdoor roth IRA ($5,500 to SEP traditional IRA and then convert to roth ira) That may be a typo on your part, but your spouse's tIRA does not need to be an SEP. The spousal tIRA does not require the spouse to have th...
by Pyrite
Wed Oct 29, 2014 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 3341

Re: maximize investment priority - 401k, ira, hsa, lpfsa

I think you said you are married? In that case you can do a back door Roth for your spouse as well.
by Pyrite
Mon Oct 27, 2014 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Two physicians starting practice
Replies: 7
Views: 2022

Re: Two physicians starting practice

I'm replying in part to bump this up, in the hopes that EmergDoc sees it and can comment on your options for tax deferred savings for the next two years. That is one of the most important questions you need answered at this point. Whether he responds our not, I strongly recommend you read his blog, ...
by Pyrite
Tue Jul 01, 2014 12:35 am
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 2258

Re: Breastfeeding and baby formula

2) Seconding everyone who said that powder formula is super easy. What I did was fill bottles with the amount of powder I wanted (for 6 oz, 8 oz, whatever), then just find some tap water when it was time to feed. That way I didn't have to lug around heavy bottles of water. A quick shake (with your t...
by Pyrite
Sat Feb 22, 2014 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Bogler - in transition (an update)
Replies: 2
Views: 1129

Re: Starting Bogler - in transition (an update)

First, I want to second mnvalue's point to read more of whitecoatinvestor. Read the book cover to cover (it's a quick read, I finished it this past weekend), and explore the blog, starting with yesterday's post: http://whitecoatinvestor.com/the-most-important-year-of-your-financial-life/ And spend t...
by Pyrite
Fri Feb 21, 2014 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Non-traditional ...in so many ways.
Replies: 59
Views: 6757

Re: Non-traditional ...in so many ways.

I've been waiting for someone else to bring up this point, so I've finally delurked to say it myself: What if the paid up mortgage, garden, and pile of money really are enough for him? For the sake of argument, consider his retirement as financially separate from yours. It sounds like his spending i...