Search found 88 matches

by ReedMan
Tue Nov 05, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2549

Re: New Bosch dishwasher already faulted

We’ve had a Bosch for 6/7 years and couldn’t be happier. We’ve only had one issue, but it was in the plumbing line, not the dishwasher.
by ReedMan
Wed Oct 30, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 7925

Re: Have you ever purchased a pricy musical instrument?

Pro woodwinds player/teacher here. I own 5 saxes, 4 flutes, 2 clarinets, and a bassoon acquired over the last 18 years. Lots of mouthpieces, lots of instrument stands. Nothing stands out as pricy between $900-$5k, but it all certainly adds up. The main instruments are brand name and auxiliary ones (...
by ReedMan
Sun Jul 07, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 2375

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

It seems since you’re already mostly into the Apple ecosystem, and concerned about iPhone backups, iCloud with family sharing would be your best choice. If you’re already using family sharing you should be able to just turn on share iCloud storage from your wife’s account and you’re done. The iCloud...
by ReedMan
Sat Jun 08, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17864

Re: Insights From a Long Call With Vanguard Reps Today

michaeljmroger wrote:
Thu Jun 06, 2019 12:47 am
  • Not exactly surprising but, they agreed LifeStrategy funds aren’t suited for taxable accounts.
Interesting. When I had questions about opening a taxable account, wanting to get more return than high yield savings but also stability, they steered me towards LS funds.
by ReedMan
Wed Feb 21, 2018 9:06 am
Forum: Personal Investments
Topic: HSA through Vanguard
Replies: 4
Views: 817

Re: HSA through Vanguard

Vanguard does not offer HSAs, but you may find a bank where you can fund your HSA with Vanguard funds.

source: https://personal.vanguard.com/us/whatwe ... lthsavings
by ReedMan
Sun Feb 18, 2018 8:16 am
Forum: Personal Investments
Topic: Recent Music School Grad Needing Advice
Replies: 10
Views: 1281

Re: Recent Music School Grad Needing Advice

As a music professional myself, I thought I would share my experience. I teach private lessons and gig. All of my income, unless I get a W4(only happened twice), flows through my s-corp (and a separate business checking). I have a SEP-IRA, recommended by my accountant as it’s the easiest with my cur...
by ReedMan
Tue Feb 13, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 320
Views: 216003

Re: The Core Four

Greetings, I read Rick's book sometime ago (6-8 years maybe), and I've been happy with the Core Four, especially for someone not qualified to get too deep into the weeds. However I was checking the allocation and I think my % were off with respect to the equity in TSM vs International. Not a ton, bu...
by ReedMan
Fri Sep 29, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 5353

Re: Should I get a New Mac or Macbookpro?

Is there anything I can do to speed it up? Best thing you can do is install an SSD drive. It's not that hard, though you need some tools. macsales.com has some great guides. If you don't think you can handle the task, or know someone who can, I'd recommend checking out a 3rd party apple repair stor...
by ReedMan
Wed Sep 27, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: HSA distribution exceeds contribution limit
Replies: 13
Views: 973

Re: HSA distribution exceeds contribution limit

from Pub 969 Excess contributions. You will have excess contributions if the contributions to your HSA for the year are greater than the limits discussed earlier. Excess contributions aren’t deductible. Excess contributions made by your employer are included in your gross income. If the excess cont...
by ReedMan
Wed Sep 27, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: HSA distribution exceeds contribution limit
Replies: 13
Views: 973

Re: HSA distribution exceeds contribution limit

I don't quite follow, reimburse myself? I have an HSA that writes checks and has a debit card. I pay all doctor bills/medications/etc from that account. My question was, would one be penalized if one's qualified distributions(what we had to pay doctors) exceeded the contribution limits? As I would h...
by ReedMan
Wed Sep 27, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: HSA distribution exceeds contribution limit
Replies: 13
Views: 973

HSA distribution exceeds contribution limit

Having a hard time finding an answer to this one. Though it may be obvious. HSA's have a contribution limit of $6,750 for a family. But the family deductible in HDHP can be 2X that. So what if a family incurred qualified medical expenses larger than the contribution limit? Say my son had surgery tha...
by ReedMan
Mon Sep 04, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15147

Re: Crashplan for Home ending service late 2018

The Wirecutter used to recommend Crashplan, but since this change, Backblaze is the new consumer leader, according to them. Here's the article . http://thewirecutter.com/reviews/best-online-backup-service/ And here's an article on Tidbits from the same author, http://tidbits.com/article/17412 The pe...
by ReedMan
Mon Sep 04, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 4505

Re: How to break into new field?

My wife recently transitioned out of education(music and special ed), as the communities around here no longer value teachers. Though she wasn't seeking high salary, my job doesn't offer benefits. She did the whole job search thing, applied for more jobs than she remembers, but only had a few phone ...
by ReedMan
Tue Aug 29, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA [take as lump sum or life expectancy]
Replies: 13
Views: 1805

Re: Inherited IRA [take as lump sum or life expectancy]

preserving account values for a financial planner who doesn't want to lose the account. Don't forget, you can transfer the account to where ever you'd like. There's a very particular way to do it, as in it has to be titled properly. My wife inherited a similar amount and we immediately moved it to ...
by ReedMan
Sat Aug 19, 2017 5:38 pm
Forum: Personal Investments
Topic: New to 401k. How is this Match?
Replies: 14
Views: 2098

Re: New to 401k. How is this Match?

Thanks for the replies, confirming what I thought. She starts in September. It's hourly, but she should bring in about 30k, which I guess would make the match about average. She doesn't even have all the details yet. It's not a deal breaker, that plus insurance we'll probably see and extra 10k compa...
by ReedMan
Sat Aug 19, 2017 7:57 am
Forum: Personal Investments
Topic: New to 401k. How is this Match?
Replies: 14
Views: 2098

New to 401k. How is this Match?

Greetings, After 3-4 months of searching, my wife is leaving the education world for a full time job in the private sector. It's been a relief as I am self-employed so she's been the insurance carrier (except the last 2 years) and we want to get off the rocky road that is the Marketplace (though we'...
by ReedMan
Wed May 11, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable/Robo-advisor account for excess savings?
Replies: 9
Views: 1965

Re: Taxable/Robo-advisor account for excess savings?

Sorry for the delay. Life happens. I'll attempt to clear up my apparent wandering. I do appreciate your thoughts. I gather these are the things that make the account vary in value from your current $30k to $15k. However, if the account regularly drops to $15k, you don't really have a lot of "extra" ...
by ReedMan
Sun May 01, 2016 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Taxable/Robo-advisor account for excess savings?
Replies: 9
Views: 1965

Re: Taxable/Robo-advisor account for excess savings?

Am I correct in that the LTCG taxes would be 0% since our income puts us in the 15% bracket? I was hoping that would be an advantage. This all seems a little complicated, taxes on a taxable account. Is there any way to "back of the envelope" estimate to see if this is worth it? It seems like the tax...
by ReedMan
Fri Apr 29, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable/Robo-advisor account for excess savings?
Replies: 9
Views: 1965

Re: Taxable/Robo-advisor account for excess savings?

When you take a withdrawal, do they (betterment/wealthfront) sell off the oldest stocks?

So it might be best to hang on for a year, if possible before making a withdrawal?
by ReedMan
Thu Apr 28, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Taxable/Robo-advisor account for excess savings?
Replies: 9
Views: 1965

Re: Taxable/Robo-advisor account for excess savings?

But if it's in CDs (like a CD ladder?), aren't those interest rates not that much better than 1%, and it's not very liquid?

I'm not sure how taxes figures in. We're in the 15% tax bracket (<$75k/yr), most likely not moving up. Right now we pay taxes on the 1% interest (taxes on $200+).
by ReedMan
Wed Apr 27, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable/Robo-advisor account for excess savings?
Replies: 9
Views: 1965

Taxable/Robo-advisor account for excess savings?

I'm not sure where the best place to post this, but here goes. Question: Is it a good (or bad) idea to keep excess savings in a taxable account to earn more than 1%? I have a budgeting/savings problem, I think I've gotten pretty good at it. I've taken every annual or non-monthly largish expense and ...
by ReedMan
Tue Jul 28, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Re-open Probate?
Replies: 7
Views: 1606

Re-open Probate?

A year ago, my MIL passed away. We just finished probate (MIL was divorced, my wife only child everything except house willed/passed to her, she was executor). Though a pain, and Iowa courts allowed for the lawyer to charge for a % of beneficiary retirement assets he didn't administer, it's done it'...
by ReedMan
Wed May 13, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 47
Views: 19872

Re: Any Experiences Buying Mattress Online

Isn't it interesting when you realize you need a new mattress how much the old one starts to bother you, and and suddenly you feel less rested or more back pain when you wake? I've been looking at the online mattress that sell direct, like Casper and Leesa. They seem similar, with maybe the Leesa ge...
by ReedMan
Tue Feb 24, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Reliable company to park emergency fund, etc.
Replies: 9
Views: 1117

Re: Reliable company to park emergency fund, etc.

I've been a happy customer of Ally for years. Good interest rate, good apps. FDIC insured savings accounts. Transfer takes about 3 days, but I believe that's common with online banks.
by ReedMan
Fri Feb 20, 2015 9:08 am
Forum: Personal Investments
Topic: benficiary IRA questions
Replies: 3
Views: 656

Re: benficiary IRA questions

Do you even have the option to DCA the bIRA? We recently received an inherited tIRA and transferred to vanguard. When the funds sold, it was at a relative low point in the market, and when the Vanguard funds were purchased ended up being at a high point as well as the dividend date, so we missed tha...
by ReedMan
Thu Feb 19, 2015 10:46 am
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 11
Views: 4306

Re: Mobile version

That seems like a nice improvement. I hope it can happen sooner than later.
by ReedMan
Tue Feb 10, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b Roth taxable?
Replies: 5
Views: 532

Re: Inherited 403b Roth taxable?

Your first inclination is likely correct. The taxable amount were probably gains but they were not qualified because the 5 year holding period was not met. That would mean that the initial contribution was not made prior to 2010 by the employee. If you have any indication to the contrary, then the ...
by ReedMan
Tue Feb 10, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b Roth taxable?
Replies: 5
Views: 532

Re: Inherited 403b Roth taxable?

Guessing probably it's because of the employer match. The employer match in a Roth 401k/403b account is pre-tax. http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-on-Designated-Roth-Accounts#10 JW I don't think there was an employer match. I could be mistaken, but deceased was a school teac...
by ReedMan
Tue Feb 10, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Recommend me a iphone podcast app that does manual playlists
Replies: 10
Views: 1216

Re: Recommend me a iphone podcast app that does manual playl

I used to use downcast and I keep it around to see if they make any drastic improvements. It works well but is almost too much. Haven't visited the Podcast app in a long time, since it merged mine and my wife's subscriptions and it wanted to download everything.
by ReedMan
Tue Feb 10, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Recommend me a iphone podcast app that does manual playlists
Replies: 10
Views: 1216

Re: Recommend me a iphone podcast app that does manual playl

Have you tired Overcast? Free to try, $5 to unlock all features. Audio only. It will do automatic playlists that will sort to priority first, then release date. So the ones I like to hear float to the top, and I don't have to move them manually higher. You can also keep feeds around without subscrib...
by ReedMan
Tue Feb 10, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b Roth taxable?
Replies: 5
Views: 532

Inherited 403b Roth taxable?

My wife inherited a small 403b Roth, about $8k. We took the full distribution last year. Due to the adjustments the deceased was making to her 403b before she passed, we knew there was a small amount of pretax money and this was reflected by the $50 1099-R we received. We received a larger 1099-R fo...
by ReedMan
Wed Dec 17, 2014 9:21 am
Forum: Personal Investments
Topic: App for investments
Replies: 7
Views: 1173

Re: App for investments

Personal Capital is pretty decent, if you are comfortable with online tracking and a small bit of marketing for their investment service. But the tools are free. I'm not sure if it will do exactly what you want, but it's a good app worth checking out.
by ReedMan
Tue Dec 16, 2014 9:29 am
Forum: Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 921

Re: Should we keep all bonds in inherited tIRA?

I know, the question certainly felt like it's 6 to one, half a dozen to another. Especially given its a small amount of bonds that would or would not be allocated in the Roths. I guess the question is whether or not it is advantageous to DCA bonds or keep the AA% of bonds in the i-tIRA, and have tha...
by ReedMan
Mon Dec 15, 2014 10:17 am
Forum: Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 921

Should we keep all bonds in inherited tIRA?

We are 31 and 30. We have 2 Roths (maxed), a SEP, wife's pension, and an inherited tIRA (new this year, being transferred to vanguard this week). The inherited tIRA does have a much higher balance than the others, and should have all admiral shares in a 4 fund portfolio, the Roths only have VTSAX. W...
by ReedMan
Tue Dec 09, 2014 1:31 pm
Forum: Personal Consumer Issues
Topic: iOS checkbook app recommendations
Replies: 5
Views: 1108

Re: iOS checkbook app recommendations

Thanks fur the replies. I was hoping there would be an easy Boglehead consensus, but I guess not. I decided to drop the need to bring over old data, as most of them don't really import. Thankfully, most apps had free versions. I tried at least a dozen, found the best 3 with what I need, ran tests an...
by ReedMan
Fri Dec 05, 2014 1:19 pm
Forum: Personal Investments
Topic: Do RMDs at 30 years old affect typical investment guidelines
Replies: 13
Views: 2094

Re: Do RMDs at 30 years old affect typical investment guidel

I would consider putting your bond requirements in the inherited IRA at Vanguard, stock funds (Total International and Total Stock Market) in taxable, and fill the rest with what is left over. That way your RMDs won't grow as fast, and the gains in stock funds will only be taxed the CG rates. Aside...
by ReedMan
Fri Dec 05, 2014 12:31 pm
Forum: Personal Consumer Issues
Topic: iOS checkbook app recommendations
Replies: 5
Views: 1108

Re: iOS checkbook app recommendations

I don't really have any recommendations, but, at least judging by the version history, PocketMoney doesn't seem to have been abandoned. It has had 5 updates this year (2014) (most recently in early November), 2 last year (2013), and 9 the year before (2012). Maybe you're looking at a different app....
by ReedMan
Fri Dec 05, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: iOS checkbook app recommendations
Replies: 5
Views: 1108

iOS checkbook app recommendations

I've been using PocketMoney for the past several years. It does what I want it to do, however it crashes and seems to have been abandoned. Mainly what I'm looking for is app to manually add checking/savings entries. Transfer between accounts, and split categories is also important. It will need to i...
by ReedMan
Fri Dec 05, 2014 10:44 am
Forum: Personal Investments
Topic: Do RMDs at 30 years old affect typical investment guidelines
Replies: 13
Views: 2094

Re: Do RMDs at 30 years old affect typical investment guidel

We've been going through the same thing, inheriting lots of overpriced mutual funds in a tIRA. I don't believe there are any tax issues when selling the assets to transfer to Vanguard, only income tax when you take an RMD. There might be a transfer or exit fee. (Aside, if anyone knows if there is a ...
by ReedMan
Tue Dec 02, 2014 10:14 am
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 5102

Re: Bogleheads.org android / iphone app

The Bogleheads.org experience on Safari for iPhone 6 plus (my new mobile device) is great, and obviates the need for an app, in my opinion. I disagree. If you've ever used either a dedicated app or Tapatalk, you may realize the mobile experience could be better. I have an iPhone 6, and though funct...
by ReedMan
Mon Dec 01, 2014 9:48 am
Forum: Personal Investments
Topic: Emergency Funds
Replies: 33
Views: 4529

Re: Emergency Funds

Thanks everyone. I have a Vanguard account (where I invest in mutual funds) too - maybe I should just keep the money in the money market account? I know it's supposed to be about 3 months of expenses, but would you cap that at 5K? I just think 8K is a lot of money (for me at least) to be sitting ar...
by ReedMan
Wed Nov 26, 2014 9:57 am
Forum: Personal Investments
Topic: Crazy question about Roth IRA transfers
Replies: 8
Views: 925

Re: Crazy question about Roth IRA transfers

Yes, it is possible. Person B has to name Person A as the beneficiary of their Roth IRA. Then Person B has to kill themself. OK, they don't have to commit suicide, but they have to die. Persons A and B would have to be married. Person A can treat the IRA as their own. If they are a non spouse benef...
by ReedMan
Mon Nov 24, 2014 1:30 pm
Forum: Personal Investments
Topic: 32 year old amateur investor looking for retirement advice
Replies: 10
Views: 1515

Re: 32 year old amateur investor looking for retirement advi

2. I just learned about Solo or Individual 401K and Roth 401K. Is this something that I can open as a self-employed person? If this is the case, I'm guessing I should contribute everything to one of these over the next four years? Possibly to the Individual 401k as I think I am in a higher tax brac...
by ReedMan
Thu Nov 20, 2014 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Poll: How much $ for childcare?
Replies: 20
Views: 3355

Re: Poll: How much $ for childcare?

$375/mo for roughly 8 hrs a week for someone to come to our home and watch 2 kids during the afternoon. It wasn't easy to find someone to fill the hole in the afternoon when I have to leave for work, which is before my wife comes home. We had to use an online sitter finder, but that worked out well....
by ReedMan
Thu Nov 13, 2014 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll processing for Solo S-corp
Replies: 5
Views: 757

Re: Payroll processing for Solo S-corp

My accountant has me filing quarterly. He charges $25/qtr (but $80 for Q4), and of course the corp tax return.
by ReedMan
Tue Oct 28, 2014 12:18 pm
Forum: Personal Investments
Topic: Which 403b - MetLife, Franklin Templeton, WEA Trust?
Replies: 2
Views: 587

Which 403b - MetLife, Franklin Templeton, WEA Trust?

My wife and I are already maxing our Roths. We are looking for any other possible tax advantaged accounts. She has a few options for 403b at her work. While I haven't heard fantastic things about these accounts in general, research to the info she has so far has been less than satisfying. All I know...
by ReedMan
Thu Oct 23, 2014 1:46 pm
Forum: Personal Consumer Issues
Topic: Are manufacturer vehicle owner warranties transferrable
Replies: 5
Views: 790

Re: Are manufacturer vehicle owner warranties transferrable

Hyundai warranty terms do change if you are not the original owner. I think from 100k to 60k.
by ReedMan
Wed Oct 22, 2014 8:35 am
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 15931

Re: iPad Air 2 - 16 or 64 Gig?

64 gb.

Read the end of the review at Daring Fireball.
by ReedMan
Sat Oct 18, 2014 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Deed Transfer - from child to parent?
Replies: 6
Views: 1132

Re: Deed Transfer - from child to parent?

Gill wrote:Why can't he disclaim it and then have your wife deed it back to him? You need to be careful that he make a timely disclaimer. Ask your attorney to elaborate.
Gill
That's what I'm asking. If there are any concerns and consequences with that.
by ReedMan
Fri Oct 17, 2014 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Deed Transfer - from child to parent?
Replies: 6
Views: 1132

Re: Deed Transfer - from child to parent?

It's not clear what you're asking. Does the parent want to keep the house or is he willing to disclaim it? To avoid the tax, it appears he needs to disclaim it, not take ownership and then deed it to his daughter. Do you not want him to disclaim it because you don't want it and don't want to deal w...