Search found 1275 matches

by ERISA Stone
Tue Oct 17, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute 100% of paycheck to 401k?
Replies: 10
Views: 1072

Re: Should I contribute 100% of paycheck to 401k?

If you have a company that provides a true-up matching contribution, I encourage you to make sure that's written in the plan document, and isn't just listed as "discretionary." Otherwise, the company could stop the true-up any plan year.
by ERISA Stone
Mon Oct 16, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1136

Re: Employer Listens To Brokerage Calls?

My guess is legally if your employer is paying for the services, then they have the right to do this. I know the plan's attorney works this way. This is the reason plan sponsors are advised to never pay legal fees from plan assets. They should always be paid from the sponsor's operating account to m...
by ERISA Stone
Mon Oct 16, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Apple Fans: B&H has a couple of great deals on late-2016 15 Inch Macbook Pros
Replies: 0
Views: 232

Apple Fans: B&H has a couple of great deals on late-2016 15 Inch Macbook Pros

$700 off the model normally $2799 (512 GB) - https://www.bhphotovideo.com/c/product/1293727-REG/apple_mlh42ll_a_15_4_macbook_pro_with.html $500 off the $2399 model (256 GB) - https://www.bhphotovideo.com/c/product/1293726-REG/apple_mlh32ll_a_15_4_macbook_pro_with.html These are not the most recent m...
by ERISA Stone
Sun Oct 15, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5471

Re: Help me understand what happens with the new law and ACA subsidies

I don't want to repost everything I said on a different thread about this, so here's a link: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=229476&start=50#p3573510 The most important thing is to know is how your state's insurance regulators have instructed insurers to handle things if the CS...
by ERISA Stone
Sat Oct 14, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2210

Re: Dental implants in Poland

Take it FWIW it was 2004, but I taught English in Poland then. All of the teachers were native English speakers. Anytime a teacher had a toothache and went to the dentist, they came back with a pulled tooth. I was terrified to go to the dentist there because of this (I normally go 4 times/year. Call...
by ERISA Stone
Sat Oct 14, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9176

Re: 2018 ACA costs arrived

Well with the elimination of the CSRs by the Feds, my unsubsidized Blue Shield Silver PPO plan in California is going up a full 50%!!! This happened on Thursday. How can you possibly have new premiums to reflect that on Friday? I haven't gotten a quote from my insurance company for 2018, but this a...
by ERISA Stone
Sat Oct 14, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9176

Re: 2018 ACA costs arrived

Well with the elimination of the CSRs by the Feds, my unsubsidized Blue Shield Silver PPO plan in California is going up a full 50%!!! This happened on Thursday. How can you possibly have new premiums to reflect that on Friday? I haven't gotten a quote from my insurance company for 2018, but this a...
by ERISA Stone
Fri Oct 13, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: GA film tax credits problem
Replies: 6
Views: 620

Re: GA film tax credits problem

I would talk to an accountant that deals with the credits. I’m not well versed but I’ve bought some before. There was an extensive audit for the credits I purchased.
by ERISA Stone
Fri Oct 13, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5471

Re: Help me understand what happen with the new law and ACA subsidies

FactualFran wrote:
Fri Oct 13, 2017 2:18 pm
You will not be affected unless your income is at least about 14k under 44k (but not at least about 28k under 44k, for which there are no subsidies).
Or if his insurance company pulls out of the market....
by ERISA Stone
Fri Oct 13, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: 401k match true-up counts for which year?
Replies: 5
Views: 531

Re: 401k match true-up counts for which year?

I couldn't find a direct answer written, probably because it makes zero sense to perform the annual additions test, or any test for that matter, on a cash basis. IMO, the compensation you used to calculate your benefit is calendar based, so the annual additions test should be performed on the contri...
by ERISA Stone
Fri Oct 13, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5471

Re: Help me understand what happen with the new law and ACA subsidies

I'm now taking bets on Lady Geek's blood pressure when she sees this post if anyone wants in on the action.
by ERISA Stone
Fri Oct 13, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9176

Re: 2018 ACA costs arrived

KP wouldn't pay for a second opinion in either case. Assuming Jeopardy facts check their questions - this week - one of the answers was "second opinion" - the question was related to "Approx 1/3 of these result in alternate courses of treatment". Probably worth paying for the second opinion yoursel...
by ERISA Stone
Fri Oct 13, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9176

Re: 2018 ACA costs arrived

nedsaid wrote:
Fri Oct 13, 2017 8:58 am
My premiums are up 12% to 15%. I am not happy.
Serious question - don't your premiums always increase by 10-15% year over year? This has been my experience my entire working life.
by ERISA Stone
Fri Oct 13, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9176

Re: 2018 ACA costs arrived

I can't get individual insurance next year unless I go with Kaiser. Kaiser isn't that great in Georgia (not contracted with many hospitals). Blue Cross/Blue Shield, Humana, Aetna, and United all exited the individual market. A ton of small business owners and independent contractors will have only ...
by ERISA Stone
Wed Oct 11, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Over contribution
Replies: 3
Views: 333

Re: 401k Over contribution

Based on what you've written, I don't think you exceeded any limit. If you left your old company in 2016, the $2500 profit sharing contribution is a 2016 contribution. You wouldn't have a basis to receive a benefit for 2017. If the two companies are not related, you get a $53k annual additions limit...
by ERISA Stone
Mon Oct 09, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Is there a deadline to initiate a 401k distribution?
Replies: 11
Views: 769

Re: Is there a deadline to initiate a 401k distribution?

As long as you had over $5000 in contributions in the plan they cannot force a distribution. You thus would have no deadline to initiate the distribution. Assuming the old plan doesn't require a distribution (check your plan documents from the old plan), I'd strongly suggest leaving it in place unt...
by ERISA Stone
Thu Oct 05, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1215

Re: Dish network

I've had cable for the last 3 years. I had Directv for approximately 5 years prior to that. The loss of signal between the two is about the same for me. The bigger issue is typically power loss, which affects both the same. Maybe my experience is different, but I'm inclined to think the weather issu...
by ERISA Stone
Tue Oct 03, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 29
Views: 2210

Re: Which 401k plan is better? This is for a small dental office

I would check out Guideline.com We just set up with them and it's been painless. $500 setup fee, Employer pays $8/mo per employee. No AUM fees. Backend funds are all Vanguard and you can create your own portfolios or choose your own. It fully integrates with Gusto.com for payroll which is just swit...
by ERISA Stone
Mon Oct 02, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Another 401k Question.
Replies: 10
Views: 823

Re: Another 401k Question.

I found this article on requirements with controlled groups. It's a good read. https://www.employeefiduciary.com/blog/ ... lification
by ERISA Stone
Mon Oct 02, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Another 401k Question.
Replies: 10
Views: 823

Re: Another 401k Question.

OP would not be required to cover all employees of all eligible businesses , but he would have to pass nondiscrimination testing by including everyone in testing who would be eligible. For example, if company A adopted the plan, but company B did not, employees from company B who were eligible for ...
by ERISA Stone
Mon Oct 02, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Another 401k Question.
Replies: 10
Views: 823

Re: Another 401k Question.

OP would not be required to cover all employees of all eligible businesses, but he would have to pass nondiscrimination testing by including everyone in testing who would be eligible. For example, if company A adopted the plan, but company B did not, employees from company B who were eligible for th...
by ERISA Stone
Fri Sep 29, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10977

Re: The Rolex and The Boglehead

First, your arguments are way out there since they don't make $50k TVs, that I'm aware of. I wish I could say this isn't true but I've seen a $40k tv at Best Buy before. So, I assume you can get up to $50k. Also, I know some avid home theater guys (from home theater forum) and I see some people thr...
by ERISA Stone
Fri Sep 29, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20072

Re: Iphone X is $1000

The phone comes with earphones and a cable and a charger. Not sure how that’s silly money. You’re not being fair. The phone comes with one cable. They don’t last forever, and are expensive. Additionally, I need a cable for the car, one for the office, one for my bedroom, and then one to replace the...
by ERISA Stone
Fri Sep 29, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10977

Re: The Rolex and The Boglehead

Your analogies are not very good. Since you decided to go here, I feel obligated to tell you I literally winced when I read your Coke analogy. It's a weird connection to even try to make and I can't find any logical basis to attempt to make it. I suppose a Coke is a "thing" and a watch is a "thing"...
by ERISA Stone
Fri Sep 29, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20072

Re: Iphone X is $1000

The phone comes with earphones and a cable and a charger. Not sure how that’s silly money. You’re not being fair. The phone comes with one cable. They don’t last forever, and are expensive. Additionally, I need a cable for the car, one for the office, one for my bedroom, and then one to replace the...
by ERISA Stone
Thu Sep 28, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10977

Re: The Rolex and The Boglehead

Your analogies are not very good. Since you decided to go here, I feel obligated to tell you I literally winced when I read your Coke analogy. It's a weird connection to even try to make and I can't find any logical basis to attempt to make it. I suppose a Coke is a "thing" and a watch is a "thing"...
by ERISA Stone
Thu Sep 28, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10977

Re: The Rolex and The Boglehead

I find these threads baffling. If ones savings rate is adequate to fund ones retirement, geez, who cares what is done with the remainder? I'd never buy a Rolex, I don't wear a watch at all as it happens. I don't have cable TV. But I'm happy to drop over 10K on a nice vacation. We all get to decide ...
by ERISA Stone
Wed Sep 27, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 29
Views: 2210

Re: Which 401k plan is better? This is for a small dental office

We use Paychex for 401k. Believe it or not, their fees are quite reasonable. $130 per month admin fee (company pays), .30% asset fee (employees pay), plus underlying fund fees. You can choose a fund lineup of pretty much anything you want. We have vanguard, schwab index, and DFA funds in our plan. ...
by ERISA Stone
Wed Sep 27, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 29
Views: 2210

Re: Which 401k plan is better? This is for a small dental office

Yukon, Have you looked at America's Best 401k compared to Employee Fiduciary? If so do you know which one is better? As of now I am debating between these two I haven't looked into America's Best (I use EF). However, I want to point out that practices like yours sometimes utilize the new comparabil...
by ERISA Stone
Tue Sep 26, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10977

Re: The Rolex and The Boglehead

Watches are a little weird category for me. I worked part-time at a jewelry store back in the day and I used to love looking at watches and hoping one day to own some nice ones. Now that I can afford them, I don't want people to know that I can. My last few purchases have been Citizens and fitness w...
by ERISA Stone
Tue Sep 26, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4466

Re: IOS 11: Anybody using it yet?

It's probably a small thing, but I love the editing feature on screen shots. I spend quite a bit of time during the day navigating my employees through our practice management system. This allows me to be specific in what I'm telling them. TBF, there's probably been an app that does something simila...
by ERISA Stone
Tue Sep 26, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5085

Re: Bogleheads monthly costs of dog ownership?

We got our dog from a rescue organization. He is minimal maintenance, maybe $600 a year all in. But we don't do things that many other dog owners do. For instance: No grooming, we bathe him ourselves or the dog bathes himself. No boarding. Neighbors love, Love, LOVE to take care of him. Dog has bee...
by ERISA Stone
Sun Sep 17, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1204

Re: What funds would you pick if you were creating you own small business 401k?

I set our 401k plan up to mimic the TSP, plus we added a REIT fund. Sometimes people just don't believe they can afford to defer. I offer a 4% safe harbor matching contribution at Employee Fiduciary and I pick up all of the costs of the plan. I have two people out of 9 who defer, excluding my wife ...
by ERISA Stone
Sun Sep 17, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1204

Re: What funds would you pick if you were creating you own small business 401k?

I email them each month to remind them about the free money. I have never even received a reply back. In the plan that I was a fiduciary for, we set up auto-enrollment and gave 1% a year in the plan whether an employee contributed or not. In addition, a match was added to employee contributions. Su...
by ERISA Stone
Fri Sep 15, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Podcast Request - something similar to S-Town or Serial
Replies: 2
Views: 270

Podcast Request - something similar to S-Town or Serial

I've got an 8-hour drive ahead of me tomorrow and I was hoping to find a podcast in a similar style to S-Town or Serial that I could binge most of the trip. Any suggestions?
by ERISA Stone
Fri Sep 15, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1204

Re: What funds would you pick if you were creating you own small business 401k?

I set our 401k plan up to mimic the TSP, plus we added a REIT fund. Sometimes people just don't believe they can afford to defer. I offer a 4% safe harbor matching contribution at Employee Fiduciary and I pick up all of the costs of the plan. I have two people out of 9 who defer, excluding my wife a...
by ERISA Stone
Fri Sep 15, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Help! - How to improve small company 401k?
Replies: 19
Views: 1769

Re: Help! - How to improve small company 401k?

All - Thanks so much for the help! It never occurred to me to check the wiki for this topic - that is exactly what I need to guide me. I'll need to give that a close read. According to my wife the only people within the company involved with this decision are the President and the Controller. The f...
by ERISA Stone
Fri Sep 15, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Help! - How to improve small company 401k?
Replies: 19
Views: 1769

Re: Help! - How to improve small company 401k?

A couple of things based on some comments in this post. 1. There isn't really a list of fiduciaries for a retirement plan. It really depends on the authority someone or a group has in making decisions. If one were the janitor in title but were making decisions on behalf of the plan, he would likely ...
by ERISA Stone
Fri Sep 15, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: "What We Know and Don’t Know About the Equifax Hack"
Replies: 6
Views: 1037

Re: "What We Know and Don’t Know About the Equifax Hack"

It is different because what is being stolen is your full identity. In other breach, your single credit card or single account was compromised. Also almost every single adult in USA has been affected if the numbers are accurate. My understanding is that even your answers to your security questions ...
by ERISA Stone
Thu Sep 14, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20072

Re: Iphone X is $1000

fillary wrote:
Thu Sep 14, 2017 6:42 am
with each year Apple products become more and more expensive, in such way they may lose their "fans"

#quotesIvebeenhearingsince2010
by ERISA Stone
Wed Sep 13, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Reaching 401k Max
Replies: 15
Views: 1407

Re: Reaching 401k Max

For those that are only allowed to contribute a percentage, and whose employers don't automatically stop at 18k, I feel for you. I guess you have to decide if you'd rather undershoot and not quite hit 18k, or overshoot and deal with withdrawing the excess. I would probably do the former since my HR...
by ERISA Stone
Wed Sep 13, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20072

Re: Iphone X is $1000

I don't understand how interesting posts with helpful advice get shut down after 5 comments but somehow whinging about the costs of a pocket computer can go on for 3 pages.
by ERISA Stone
Fri Sep 08, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2508

Re: Freeze Credit for free without police report

Another thing Clark mentioned - he received different answers from the Equifax website on if he was likely affected or not. He received one answer that he probably wasn't, and another that he probably was.
by ERISA Stone
Fri Sep 08, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2508

Re: Freeze Credit for free without police report

Clark Howard's website includes a post from Equifax that states this cybersecurity breach is not included when their contract refers to waiving your rights to a class action lawsuit. http://clark.com/personal-finance-credit/equifax-free-credit-monitoring-data-breach-dont-sign-up/?utm_medium=image-li...
by ERISA Stone
Fri Sep 08, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7428

Re: Buy iPhone 7 or Wait for iPhone 8

The iPhone 8 will start at $999. That is 10 of my Moto G4 and 5 Moto G5/G5 plus. The headphone jack can be replaced with a small adapter, but I'm not sure you want to have the adapter in your pocket at all times. The premium for Apple products is just crazy. They are good products, but I can buy a ...
by ERISA Stone
Wed Sep 06, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6603

Re: When to give resignation notice

What are the consequences to you if you don't give 3 months notice? I've had employers honor my notice, and I've had others who "walked me out the door" the moment I gave notice. I'm not concerned with the percentage of your portfolio we are discussing. If we are talking $45k, I would do what I need...
by ERISA Stone
Mon Sep 04, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: small claim for 401k
Replies: 12
Views: 1067

Re: small claim for 401k

If the matching contribution was given, then I think you have an argument. However, it sounds like the match is technically discretionary based on your description of the SPD. But if the company is handing out the other summary you mentioned, they probably provide the match even though it may techni...
by ERISA Stone
Mon Sep 04, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: small claim for 401k
Replies: 12
Views: 1067

Re: small claim for 401k

It's difficult to give you advice without knowing the specific provisions of your plan. Plans can have different eligibility requirements, vesting provisions, etc. To help to see if the company erred, we would at least need to know: 1. Husband's date of hire and number of hours he worked each year (...
by ERISA Stone
Sat Sep 02, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14006

Re: If I died today, what would my spouse do?

My wife has no interest either so I keep a detailed spreadsheet in our dropbox account so she knows what we have. I try to annoy her by telling her I could be paying for a mistress and she would have no idea, so she should get involved in the finances. She just gives me a look that says she's not wo...
by ERISA Stone
Thu Aug 31, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Discover Identity - Does Anyone Use It for Credit Monitoring?
Replies: 1
Views: 223

Discover Identity - Does Anyone Use It for Credit Monitoring?

I received an offer from Discover that they can provide alerts if my SSN shows up on any risky websites. In addition, they'll notify me if any new accounts show up on my Experian credit reports. I don't see a downside in the terms other than this: You authorize Discover to obtain your credit report ...