Search found 4325 matches

by Earl Lemongrab
Sun May 20, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

tibbitts wrote:
Sun May 20, 2018 2:52 pm
I'm seriously not understanding the issue here. Usb wifi is what, $5? Just try it.
Not the ones I looked at.
by Earl Lemongrab
Sun May 20, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

Don't pay to rent the crappy router the media company wants to sell to you. Instead get a good latest tech router for less than $100 or so, and set it up where it comes into the home. It should have plenty of range to work with your desktop for most purposes. That's the idea. I will be looking to b...
by Earl Lemongrab
Sun May 20, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2330

Re: Wife Retiring hesitant to roll-over funds to Vanguard

It doesn't say actively managed in the prospectus. State Street S&P500 Index Fund Class k is the fund name. If you compare this fund with a benchmark for the past 5 years you'll see what I mean. Just to confirm, you mean SSSYX ? I think you're accidentally comparing price change rather than total r...
by Earl Lemongrab
Sun May 20, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

I have no idea right now whether an extender is even needed but it probably couldn't hurt. How far from your cable modem is your computer located? 60 feet maybe? With a couple of walls in between. A narrow hall connects the office to the family room where the cable comes in. 60 feet should be fine ...
by Earl Lemongrab
Sun May 20, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

JoeRetire wrote:
Sun May 20, 2018 1:49 pm
Earl Lemongrab wrote:
Sun May 20, 2018 1:44 pm
I have no idea right now whether an extender is even needed but it probably couldn't hurt.
How far from your cable modem is your computer located?
60 feet maybe? With a couple of walls in between. A narrow hall connects the office to the family room where the cable comes in.
by Earl Lemongrab
Sun May 20, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 20
Views: 1160

Re: When to and when not to “reinvest dividend and capital gains”

I don't reinvest distributions at all outside of the 401(k), which doesn't have any. My holdings elsewhere are all ETFs. I prefer to invest the distributions myself for two reasons: 1. I direct new purchases to lagging allocations, so a sort of ongoing rebalancing. 2. I move my assets around quite a...
by Earl Lemongrab
Sun May 20, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

Sounds like it's worth a try. I have no idea right now whether an extender is even needed but it probably couldn't hurt. I will look at some of the other suggestions.
by Earl Lemongrab
Sun May 20, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money (Accounts)
Replies: 3
Views: 379

Re: Moving Money (Accounts)

Depending on the custodian, you might get a nice bonus for moving that money to them (not Vanguard). You could contact them to see what they could do for that amount.
by Earl Lemongrab
Sun May 20, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1054

Re: International -- VXUS or slice and dice?

You can reduce the amount of small and/or value, but in reality small allocations aren't going to do much one way or the other. You need to have some significant weight to those or just go with broad market and not worry about it. Trev's point was to pull all those slices together into representativ...
by Earl Lemongrab
Sun May 20, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

go_mets wrote:
Sun May 20, 2018 1:17 pm
Is you house pre-wired for cable?
No. It's a 60s brick house. No basement.

I'd prefer to focus on the question at hand.
by Earl Lemongrab
Sun May 20, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Re: Wifi + wired device

Pajamas wrote:
Sun May 20, 2018 12:52 pm
The cable company won't run a cable to the other end of the house for you?
Maybe, but I don't want to mess with anything like that.
by Earl Lemongrab
Sun May 20, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 30
Views: 884

Wifi + wired device

I received an offer from the cable company for internet service. Pretty tempting offer at $15/month, free modem, self set-up, so I am thinking of giving it try. The cable comes in at a point on the other end of the house from the office area where the PC lives. My thoughts are to set up wifi where i...
by Earl Lemongrab
Sun May 20, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Good read on why to keep a simple indexed fund portfolio
Replies: 6
Views: 1219

Re: Good read on why to keep a simple indexed fund portfolio

Sorry, but I found the article to muddled and pointless. You can have multiple asset classes and still use index funds. The concepts are independent.
by Earl Lemongrab
Sun May 20, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 9
Views: 694

Re: Converting property in to neighborhood park. Trust needed?

Better make that clear to the people that buy the half with the house.
by Earl Lemongrab
Sun May 20, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Employee stock - Brokerage account suggestion
Replies: 3
Views: 281

Re: Employee stock - Brokerage account suggestion

TD Ameritrade has a bonus offer that would at least get you free equity trades for 60 days. If you can get up over 25k in transfer/deposit, a little more.

https://www.tdameritrade.com/specialoffer.page
by Earl Lemongrab
Fri May 18, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

WhiteMaxima wrote:
Fri May 18, 2018 3:23 pm
Make sure you got all the company match over the year 1st then max the 55k.
That might not be possible or necessary. Some plans only give you the full match if you contribute in every pay period. Also, some that offer after-tax contributions match them. Megacorp did both.
by Earl Lemongrab
Fri May 18, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder setup with Merrill ??
Replies: 4
Views: 449

Re: CD ladder setup with Merrill ??

Yeah, the G Fund is at 2.875% this month, so it compares favorably to the CDs you mention. Now, the G rate isn't fixed for longer than the month, but I wouldn't expect it to go down soon.

For me, fixed income in tax-advantaged, stocks in taxable. At Edge you could be getting some free ETFs.
by Earl Lemongrab
Fri May 18, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1937

Re: Cash instead of bonds for 3-fund

indexonlyplease wrote:
Fri May 18, 2018 6:38 am
Remember on top of the 0% yield what is the administrative cost for your 401k. So you also be in the negative yield with the mm.
That's generally not the case. The posted rate is usually net of fees.
by Earl Lemongrab
Fri May 18, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1937

Re: Cash instead of bonds for 3-fund

My 401k asset allocation is 60% stock 40% bonds with 20% of my stock being international, and the bond allocation being entirely in a Fidelity intermediate-term bond fund. My intermediate-term bond fund is -3% for the year. It seems like cash would work just as well as a bond fund in terms of allow...
by Earl Lemongrab
Fri May 18, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: In plan Roth conversion and RMDs
Replies: 6
Views: 526

Re: In plan Roth conversion and RMDs

Usually it's not advantageous to convert to Roth while working. Also, if you have Roth 401(k) available, why not contribute directly to that?
by Earl Lemongrab
Fri May 18, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

... If you have the option to put it in Roth, I don't see any reason not to do so. Paying ordinary income tax on years worth of earnings seems like a high price to pay for ERISA protection. Depending on state that might not even be worth much. I don't qualify to make Roth or deductible IRA contribu...
by Earl Lemongrab
Fri May 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Roth convert 401k? (and other retirement acct questions)
Replies: 10
Views: 786

Re: Can I Roth convert 401k? (and other retirement acct questions)

It's not entirely clear what you are asking. Are you able to make regular Roth IRA contributions? If so, then that's easier. If not, because your income is too high, then using the "backdoor Roth" might make sense. Tax-deferred 401(k) contributions are not eligible for in-service distribution before...
by Earl Lemongrab
Fri May 18, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Under my employers plan, I have the option to withdraw my after-tax amount should I change my mind. It would come with a pro-rata amount of earnings that could be subject to a 10% penalty, but I don't expect I'll be withdrawing it. I also have the option to roll it into a Roth account that would be...
by Earl Lemongrab
Thu May 17, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 508

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

Thanks ... good advice. I guess that would mean I can make the non-deductible contribution this year then wait to convert next year after I've segregated the basis in the tIRA? If so, seems that I would not be losing out on one year's worth of backdoor Roth as I'd feared ... just delaying the actua...
by Earl Lemongrab
Thu May 17, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 508

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

General approach sounds right to me. I don't get why you would have to wait until 2019 to start the process. Why not open the Solo 401k now and start funding it? Roll the SEP into the IRA or the 401k. The law doesn't permit having an active SEP and i401(k) in the same year. If the OP hadn't made an...
by Earl Lemongrab
Thu May 17, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting assets against frivolous litigations
Replies: 21
Views: 3286

Re: Protecting assets against frivolous litigations

TN_INVEST wrote:
Thu May 17, 2018 9:01 am
If the credit exists currently
Just so everyone is aware, this was a reply to a post from 9/2015.
by Earl Lemongrab
Thu May 17, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan to get new employer's company match
Replies: 15
Views: 714

Re: 401k loan to get new employer's company match

Did your old company match? Some people have reported over-contributing at the new company and trying to get the old one to do the correction. However, they have little incentive to cooperate.
by Earl Lemongrab
Thu May 17, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan to get new employer's company match
Replies: 15
Views: 714

Re: 401k loan to get new employer's company match

New company doesn't know about the 16000 you already contributed, so you could just do non-taxable contributions and still get the match. How does one elect non-taxable contributions (did not see this option in the plan administrator's website)? I assume the advice was supposed to be to make non-Ro...
by Earl Lemongrab
Thu May 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting to go part time - negotiating strategies
Replies: 28
Views: 2211

Re: Requesting to go part time - negotiating strategies

I was on reduced workweek for a significant time (over two years) before retiring. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=163988 In my case it was every Friday off. Megacorp had established policies for that. If you worked more than 32 hours, you got full medical coverage. So my schedu...
by Earl Lemongrab
Thu May 17, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1707

Re: Why can't you rollover a retirement account into another one that you no longer work at?

An active plan doesn't even have to allow rollovers in. It's common to allow them from old 401(k)s, but the law only permits it. A recent change to Megacorp's plan was to allow rollovers in even after you separate from service. There's really no reason to obsess about it. There's nothing you can do....
by Earl Lemongrab
Thu May 17, 2018 11:14 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8766

Re: The front page is ugly

I don't care for the "front page" but I don't worry about it. I prefer the index, because I like to read threads by forum.
by Earl Lemongrab
Wed May 16, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1527

Re: Better to be in debt to yourself or others?

Borrowing from your 401k is generally a bad idea. - generally you can only borrow $50k or 50% of your account balance, whichever is less - money borrowed from a 401k is no longer in the market, losing valuable compounding time - paying back money borrowed from a 401k must be done with after-tax mon...
by Earl Lemongrab
Wed May 16, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 38
Views: 3828

Re: Switching Auto Insurance, need advice on Roadside assistant

These things aren't predictable. I had a flat from apparently running over something the cut the sidewall. Batteries sometimes give you notice that they're going out, but other times the first indication is "dead as a hammer". You can have various mechanical breakdowns of one sort or another.
by Earl Lemongrab
Wed May 16, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Model ETF portfolios
Replies: 9
Views: 653

Re: Model ETF portfolios

In 2007, I put together my portfolio. I read a number of sources, including Swedroe, Bernstein, Merriman, IFA, and some others. This included studying their model portfolios. I put together a model of my own incorporating ideas from all the sources. I then created the real portfolio, making adjustme...
by Earl Lemongrab
Wed May 16, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1527

Re: Better to be in debt to yourself or others?

Something to keep in mind, with a 401K loan, once you leave the employer you have only 60 days to pay back the entire balance This is incorrect. For one thing, the law never required this. The plan is allowed to make another arrangement. At Megacorp it just changes from payroll deduction to you rep...
by Earl Lemongrab
Tue May 15, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Mega Backdoor is definitely great if you have it available. I consider this the most useful thing I have ever read on Bogleheads. I wish I had known about it earlier of course, but the list of things I didn't know even a few years before I got serious in 2007 is pretty long.
by Earl Lemongrab
Tue May 15, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Grogs wrote:
Tue May 15, 2018 7:05 pm
I'm not at a point yet where I can contribute the 51k or so I would need to hit 55k after the company match.
The 55k includes all of your contributions as well. So if you're putting in 18.5k and getting 4k match, then the remaining is 32.5k.
by Earl Lemongrab
Tue May 15, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA conversion/Roth back door
Replies: 30
Views: 2422

Re: Traditional IRA conversion/Roth back door

This whole thing sounded familiar to me, so I looked back. You posted about this last November. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=232397 Not sure why I was so grumpy then. Still deciding on whether to retire or not I guess. Anyway, it would have been a good idea to deal with it th...
by Earl Lemongrab
Tue May 15, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2541

Re: Any experience with Blue Apron?

We just did it to get some free meals; they're decent but not insanely easy to prepare (the instructions often have to be read VERY carefully!), and for the cost it's easier to just go out to eat, and healthy restaurants are an option these days. I don't eat frequently at restaurants, and I never g...
by Earl Lemongrab
Tue May 15, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Harvesting
Replies: 5
Views: 683

Re: Tax Harvesting

The short answer, always, is "no one knows". The IRS does not issue guidance on the subject other than what is in the publications. An older pub that is obsolete once said that generally different mutual funds are not substantially identical. No one has presented a case where the IRS has declared di...
by Earl Lemongrab
Tue May 15, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1401084

Re: U.S. stocks in freefall

robertmcd wrote:
Tue May 15, 2018 1:26 pm
DanMahowny wrote:
Tue May 15, 2018 1:21 pm
Things will get much more exciting around here when DOW plunges to 16,000 in the next 12-18 months.

We should all decide now how we'll react.
Have you bought long term treasuries yet?
Ha, that's the loser way. Short the market. Margin loans to short.
by Earl Lemongrab
Tue May 15, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover question
Replies: 6
Views: 520

Re: 401K rollover question

Fidelity is saying that their similar investments to the three portfolio theory are lower. For example the VTSMX is 0.14% but the fidelity equivalent is .035% for their investor class shares of a similar fund That's not correct. The equivalent mutual fund is FSTMX, which has an ER of 0.09%. Cheaper...
by Earl Lemongrab
Tue May 15, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9816

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

When I was working at Megacorp, they offered after-tax contribution and unlimited in-service rollovers of those amounts to IRAs. When I found out about Mega Backdoor Roth, I starting putting in as much as I could. Unfortunately, they had a limit on the amount you could contribute each month. The las...
by Earl Lemongrab
Tue May 15, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: How much should I save before I start investing? and more
Replies: 12
Views: 1638

Re: How much should I save before I start investing? and more

As you are working, a Roth IRA makes a lot of sense, especially if you don't have a plan through work. You can even hold it in cash as an extension of your emergency fund/savings until you rebuild that in your regular accounts.
by Earl Lemongrab
Tue May 15, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA conversion/Roth back door
Replies: 30
Views: 2422

Re: Traditional IRA conversion/Roth back door

How much pretax was in the original rollover? If it's significant, I wouldn't be eager to pay tax on conversion. I realize that you made a mistake originally and caused a problem, but why not do it correctly now?
by Earl Lemongrab
Tue May 15, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1369

Re: Ratio of car repair cost to car's value?

For me a comparison like that doesn't work. There is a substantial cost in time and effort to replace a vehicle, especially if it's your only transportation. I have the additional problem of driving a full-sized Bronco, which hasn't been made in over 20 years. So I'd have to find another one or chan...
by Earl Lemongrab
Tue May 15, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Popular Mechanics magazine scam [subscription won't stop]
Replies: 31
Views: 5313

Re: Popular Mechanics magazine scam [subscription won't stop]

For a time, I started getting magazines that I didn't want and weren't really appropriate for me. Some investigation showed that the subscriptions were initiated by a company called "Subco Inc.". I contacted them directly, and got this response: Thank you for your recent inquiry regarding Brides Mag...
by Earl Lemongrab
Tue May 15, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2541

Re: Any experience with Blue Apron?

SuperGrafx wrote:
Tue May 15, 2018 10:21 am
Don't really see the appeal.
Seems expensive and wasteful in many regards.
I've explained my purpose for considering it. Please let's not derail the conversation with discussion about the reasons for trying the service and stick with actual experiences.
by Earl Lemongrab
Tue May 15, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2541

Any experience with Blue Apron?

I'm a pretty decent home cook, and I want to get back to doing more now that I have more free time. I'm not the typical customer for the meal delivery services, but Blue Apron has a $30 off deal for the first order. I am thinking about trying it out really more for some experiences in things I don't...
by Earl Lemongrab
Mon May 14, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA conversion/Roth back door
Replies: 30
Views: 2422

Re: Traditional IRA conversion/Roth back door

If you do option 1, will they allow you to redo the rollover correctly? :?: :?: :?: We are talking about a non-deductible contribution to an IRA that was not eligible to be rolled over to a 401K, right? The original rollover was a mix. I got they impression that they were going to void and return t...