Search found 607 matches

by The529guy
Wed May 09, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6133

Re: How to handle problem employee

If this person deliberately left your IRA rollover paperwork to sit in her inbox indefinitely, waiting for an email that will never arrive to tell her to input it into the system, how would you feel if she told her manager that she “didn’t understand” when told that she should input them without an...
by The529guy
Wed May 09, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6133

Re: How to handle problem employee

Admittedly, at first I thought the OP was to blame here, and I agree that there’s a managerial opportunity here. However, once I read his example of how basic instructions didn’t “compute” for this person, it put his initial comments about her inability to work efficiently or prioritize in a new lig...
by The529guy
Wed May 09, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6133

Re: How to handle problem employee

ad2007 wrote:
Wed May 09, 2018 8:06 am
I would not want my boss/mentor to think I can't handle an employee like this.
I totally agree. +100
by The529guy
Wed May 09, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6133

Re: How to handle problem employee

I'm a relatively new manager, just 6 months into the job. I inherited an employee and I think I'm seeing that we have a personality conflict. She has a fair amount of experience at other companies, but is pretty new to our company. I think you may not appreciate her experience, especially if proces...
by The529guy
Tue May 08, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6133

Re: How to handle problem employee

Usually, the reason she doesn't understand is that she doesn't understand the underlying reason. To be honest, I don't really feel like explaining or justifying it.
Leaders help their people understand why they're doing what they're doing.
by The529guy
Tue May 08, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1292

Re: DAF with <$5k minimum contribution?

Thanks for the additional thoughts. To clarify, it's unlikely we will make use of the standardized deduction in the foreseeable future; I'm not interested in bunching.
by The529guy
Tue May 08, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1292

Re: DAF with <$5k minimum contribution?

It sounds like Fidelity is it.
by The529guy
Mon May 07, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1292

Re: DAF with <$5k minimum contribution?

I have plenty of large capital gains available for our annual donations, but $5k is more than I'd want to donate today.
by The529guy
Mon May 07, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1702

Re: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

I would check how that would be reported at tax filing time.
by The529guy
Mon May 07, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1292

DAF with <$5k minimum contribution?

I suspect Fidelity (with $5k min) is the best game in town, but anyone know of a Donor Advised Fund with a lower minimum?
by The529guy
Sun May 06, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 9213

Re: What career for smartest kid in the class?

You use the word “could” a lot.
by The529guy
Sat May 05, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25058

Re: most compelling TV character ever

Abed Nadir (Danny Pudi), Community
by The529guy
Sat May 05, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where does DD come from on W2 form?
Replies: 2
Views: 557

Re: Where does DD come from on W2 form?

Form W-2 Reporting of Employer-Sponsored Health Coverage
In general, the amount reported should include both the portion paid by the employer and the portion paid by the employee.
by The529guy
Sat May 05, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Need encouragement with holding my bond fund assets
Replies: 27
Views: 2332

Re: Need encouragement with holding my bond fund assets

But here's the history of one of my three bond funds (all in my TIRA): The SWAGX - I put in $10k in June 2017 at $10.13 a share. I put another $10k in on June 23, 2017 at $10.14 a share, and lastly, I put a final $20k in on July 6, 2017 at $10.04 a share. Total invested: $40,000. All dividends were...
by The529guy
Sat May 05, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17283

Re: Is Los Angeles a good place long term to live financially?

GrayS26 wrote:
Sat May 05, 2018 4:23 pm
So I’m asking which areas are good for someone like me?
Manhattan Beach or Hermosa Beach.
by The529guy
Thu May 03, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Company stock in 401k plan question
Replies: 8
Views: 516

Re: Company stock in 401k plan question

KSActuary wrote:
Thu May 03, 2018 12:23 pm
You should first determine how much she has made off the company stock before changing anything. Company stock can have favorable tax status within a 401k plan.
Can you say more?

I like to think that everything has a favorable tax status within a 401k plan.
by The529guy
Wed May 02, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2848

Re: 401k Stable Value Fund Rates?

Vanguard Retirement Savings Trust III at 2.12% today
by The529guy
Wed May 02, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4581

Re: Ally asking CURRENT customer to provide SSN card?

I doubt I could find my card in 24 hours. I’ve gotten by on current passport and Driver License for a long time. You should look for it and get a replacement if you cannot find it. When my state implemented the enhanced ID for a drivers license one of the requirements for the first time you got it ...
by The529guy
Wed May 02, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4581

Re: Ally asking CURRENT customer to provide SSN card?

I doubt I could find my card in 24 hours. I’ve gotten by on current passport and Driver License for a long time. You should look for it and get a replacement if you cannot find it. When my state implemented the enhanced ID for a drivers license one of the requirements for the first time you got it ...
by The529guy
Tue May 01, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. <snip> FYI - Google is updating mutual fund prices between 12:30-12:40 AM EST. I used a google apps script to check google finance mutual fund quote...
by The529guy
Tue May 01, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

Any chance you have a daily change function using the marketwatch quote? Let's look at the original function for the closing NAV and the source itself: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",B2,"&insttype=Fund"), "table"),3,1))...
by The529guy
Tue May 01, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 22
Views: 1500

Re: Leaving Payflex HSA - avoid account closure fee?

And I now see that they already took their $5 for May...
by The529guy
Tue May 01, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Californian picking a MMA
Replies: 3
Views: 438

Re: Help with Californian picking a MMA

I use VCTXX, and I love it.
by The529guy
Tue May 01, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 22
Views: 1500

Re: Leaving Payflex HSA - avoid account closure fee?

Are you sure there is a $5/month fee now? There was an announcement some months ago that the $5/month fee was eliminated. A number of people on this board also have Payflex and reported the same thing. I'm quite doubtful my employer is paying the $5/month fee though it is possible that the fee was ...
by The529guy
Tue May 01, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 22
Views: 1500

Re: Leaving Payflex HSA - avoid account closure fee?

aristotelian wrote:
Tue May 01, 2018 9:46 am
Why leave a few dollars? I would take it down to 1 cent and see what happens.
Fixed.
by The529guy
Tue May 01, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 22
Views: 1500

Leaving Payflex HSA - avoid account closure fee?

I changed jobs, but still have an HSA-compliant HDHP at the new company. However, the new company does not sponsor an HSA, which is a shame. My existing HSA is with Payflex. Previously my old employer paid their fees. I will now be hit with Payflex's $5/mo fee, so I will be moving - probably to Live...
by The529guy
Mon Apr 30, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement using Mega Back Door Roth - Need advice
Replies: 8
Views: 1443

Re: Early Retirement using Mega Back Door Roth - Need advice

To echo everyone else, it sounds like you want to pay more taxes than necessary.
by The529guy
Mon Apr 30, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Kiplinger article "..Guaranteed Inheritance for Kids"
Replies: 53
Views: 5970

Re: Kiplinger article "..Guaranteed Inheritance for Kids"

Sounds like it worked out well for the financial advisor...
by The529guy
Mon Apr 30, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting (TLH) for tax-exempt bonds
Replies: 17
Views: 1530

Re: Tax loss harvesting (TLH) for tax-exempt bonds

Be aware of an obscure tax rule involving sales of tax-exempt funds for losses with a less than 6-month holding period. You have to add back any distributions to the proceeds on your Schedule D. Please see wiki: https://www.bogleheads.org/wiki/Tax_loss_harvesting#Fine_points_about_tax_loss_harvesti...
by The529guy
Sun Apr 29, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Has anyone started a brokerage account for their child?
Replies: 6
Views: 1034

Re: Has anyone started a brokerage account for their child?

Yes, learn more here: https://www.bogleheads.org/wiki/Uniform ... Minors_Act

Your brokerage of choice should be able to help you open a UGMA/UTMA account for your child.
by The529guy
Sat Apr 28, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio, help me understand it correctly.
Replies: 4
Views: 1385

Re: 3 fund portfolio, help me understand it correctly.

You can keep some money in bonds funds and some money in CDs. It doesn’t have to be either-or. Rebalance with whatever fixed income is liquid, or rebalance with new investment money.
by The529guy
Fri Apr 27, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1929

Re: separately managed account -- worthwhile?

sitout wrote:
Mon Apr 23, 2018 6:22 pm
High minimum investments such as $500K are required with not-outrageous annual asset management fees of for example 0.4% for munis.
But is it really "not-outrageous"? An annual 0.4% AUM fee on $500,000 is $2,000. That would buy a lot of tacos.
by The529guy
Sun Apr 22, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1319

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something els...
by The529guy
Thu Apr 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17283

Re: Is Los Angeles a good place long term to live financially?

OP, I remember your previous thread that was rather lively to say the least. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=215204 The two good business schools in LA are USC and UCLA. They usually expect you to have a very good undergrad GPA, and some years of work experience. Do you have an...
by The529guy
Wed Apr 18, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: poor fund choices on HSA account BB&T
Replies: 2
Views: 371

Re: poor fund choices on HSA account BB&T

Good news, you’re not stuck with them. Search for some of the threads debating best HSA providers. You will find that you can open an HSA anywhere and transfer your funds over from your employer’s HSA provider periodically.
by The529guy
Sun Apr 01, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help! How to report bond fund income from taxable account
Replies: 3
Views: 412

Re: Help! How to report bond fund income from taxable account

The "interest" is paid as dividends. Report it as dividends. From https://www.bogleheads.org/wiki/Non-qualified_dividends : A portion of your ordinary dividends may be non-qualified dividends because they can include items like these: Taxable interest. When a mutual fund receives taxable interest, t...
by The529guy
Thu Mar 29, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

randomizer wrote:
Wed Mar 28, 2018 10:20 am
I really don’t need my price information to be that up-to-date.
This isn't the thread you're looking for.
Image
by The529guy
Tue Mar 27, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

Sparky1500 wrote:
Tue Mar 27, 2018 6:50 pm
Ata boy, the529guy! Love this solution - no longer have to wait overnight for the updated market values from Googlefinance.
Thanks. You know what they say... spreadsheet code is the gift that keeps on giving.
by The529guy
Tue Mar 27, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7248

Re: Vanguard "system issue" 3/27/18 [erroneous "not enough money in settlement fund" notice]

The rep I spoke to said that the email notifications were automatically triggered because their system was not correctly registering account values associated with Vanguard Federal Money Market Fund.
by The529guy
Wed Mar 21, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Stable Value Fund Decision
Replies: 3
Views: 457

Re: 401K Stable Value Fund Decision

It sounds good to me!
by The529guy
Sat Mar 10, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 7426

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

What little games? I used TT for the first time and it went fairly well. There seem to be plenty of gripes regarding pricing and capability changes from year-to-year. In my case, I did my kid's taxes last year with the free online version; this year, it was still "free," but there was a price if I ...
by The529guy
Sat Mar 10, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP not reported on Box 1, but on Box 3 of W2.
Replies: 4
Views: 567

Re: ESPP not reported on Box 1, but on Box 3 of W2.

My understanding is that the $1,135.30 is ordinary income. ($6,215.20 - $5,079.90) The adjusted cost basis would be $6,215.20, producing a capital gain of $33.67. ($6,248.87 - $6,215.20) The weird thing is that the initial ESPP gains are reported on my W2 under Box 3 (Social Security Wages) and 5 (M...
by The529guy
Sat Mar 10, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 7426

H&R Block vs TurboTax (spoiler: HRB is awful)

I have been a hardcore TurboTax user my entire adult life, but made the switch to H&R Block Premium this year out of frustration with TurboTax's little games which are often discussed here. In my situation, I've found that H&R Block's software is terrible. Never before have I had to delve into so ma...
by The529guy
Mon Feb 12, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8690

Re: I’m not renewing my Costco membership.

This thread makes me so grateful for our Costco.

Ours is so close that we joke about recovering the annual membership fee with all of our 2-gallon milk purchases for $4.
by The529guy
Mon Feb 12, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

Epsilon Delta wrote:
Sun Feb 11, 2018 1:46 pm
From my experience programming and in quality control I would say these are the type of things that really should be encapsulated in a visual basic function (or google app srcript).
Sounds great. Can you show us how?
by The529guy
Sun Feb 11, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 19
Views: 1600

Re: Help choosing 401k options

Welcome! To echo JamesSFO, spell them out, please.

With that said, you've built a decent 3-fund portfolio with your options. Could you tell us how much the SVF-N yields?
by The529guy
Fri Feb 09, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Buying a rental house. Pay cash or mortgage?
Replies: 21
Views: 2058

Re: Buying a rental house. Pay cash or mortgage?

This may not be intuitive with the latest tax law changes on pass through income, and by running a business you may be eligible to make additional retirement account contributions. It's my understanding that income generated from rental properties is generally considered passive/unearned, preventin...
by The529guy
Sun Feb 04, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacing Google Finance price quote function

I don't suppose there's a way to tweak it to return the YTD performance instead of the share price? (I couldn't find a YTD quote listed on the marketwatch site.) I'm tracking a few mock mutual fund portfolios, and it's easier to use the YTD info so I don't have to worry about adjusting for dividend...
by The529guy
Sat Feb 03, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 92
Views: 16355

Re: Replacement for Google Finance price quote function

Thank you for the heads up 529. I would have had no prayer of figuring this out by myself. For some reason I get an error if the price of the fund is less than $10.00, so in that case I use BH13's technique for Vanguard funds. Dale Dale, great catch! Try adjusting the final number in the function f...