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aerolulu

It looks like Miami will be off the path of highest intensity... but who knows with a hurricane... stay safe all.

aerolulu

I honestly think they hospital is the culprit as my insurance posted the bill about a month after the visit, telling me I could owe up to $400 (I often see up to and end up not paying anything because my annual out of pocket is exceeded). How the $350 came around is a question mark. Now, I definitel...

aerolulu

Thanks! I'll start with that. Agree with no going to ER more than needed. I was hesitant thinking it would go away but the wife insisted I take the trip... It does disturb me a bit that people (including me) are somewhat hesitant to go to ER because of not knowing what the bill will end up being... ...

aerolulu

Hi guys, I could use the opinion of the BHs for a medical bill. I just received a bill from a hospital for about $350. I'm a bit baffled that they can send me a bill now for a service date of 11/10/2015. It says "Service Date 11/10/2015 and Statement Date 08/23/2016". Really? I had paid th...

aerolulu

This is great. Thank you!

aerolulu

absolutely.

aerolulu

Hum... Yes I feel like it would be prudent to have an idea to whom I owe money. Although unlikely, I would think some lenders may not be as shark as others in case of hardship, fees may also differ (recently, one of the lenders who took on my mortgage had like a $15 initiation fee on automatic payme...

aerolulu

Makes sense. Thank you all!

aerolulu

Thank you. You're right. I guess it could be any bank. Now is there any reason I should be concerned about any banks? My mortgage started with HSBC. When we refinanced a couple years ago, it got transferred to a smaller local mortgage broker. From there, it has be resold a couple times. Now, I've ne...

aerolulu

Hi BHs! We currently have a 30-yr fixed mortgage of about $236k at 4.375. I'm thinking of refinancing as I think we should be able to get something in the 3.500 these days (qualifying credit score). My question: is there a better bank (or banks) we should approach in priority? I believe that we shou...

aerolulu

Same here Nova1967. I also hope the next venue will accommodate more BHs. I'm pretty sure I had my name up in the list too :

aerolulu

Thank you all!! I've been to the Hoover Dam but never did the dam tour or the boat tour. We might add these to the list. I'm really liking the Zion option. Most likely quieter and as enjoyable as GC. Unless there's some really good snow in which case I might cave in and go to GC as I've never been t...

aerolulu

Yes Miriam2, taking the little one with me. :D To be clear, I don't intend to visit all the parks. My plan right now would be spend the first night in Vegas, then head out mid-day to a park and stay there for 3 nights, then come back to Vegas. Doom&Gloom this is on point. I guess I'm between Ant...

aerolulu

Thanks TravelGeek! Had never heard of Valley of Fire. Looks great. Done Death Valley but Bryce is also very appealing. Right now, I'm between Bryce and Zion but I haven't seen much Zion action during winter...

aerolulu

Hey BHs! Looking for some advice from you all... We will be heading to Vegas between Christmas and NYE 2016 to meet up some family. I have a few questions: 1. Is there any hotels better than others to stay at during winter times? I doubt outdoor pools will be very useful. 2. What would be some good ...

aerolulu

Would love to attend as well if there's still room. Sent the email. Looking forward to seeing the group again!

aerolulu

I know two persons who bought cars from them and I myself considered doing it. However, I think the adage "if something seems to good to be true, it usually isn't" applies for them. Their prices are way below market... and there has to be a reason... I'm not sure how but it seems that some...

aerolulu

It worked as a charm. Thank you! My misunderstanding was that TIRA lowered my MAGI... Stupid. Thank you!

aerolulu

Hi board, I can't figure out the deduction limits for our Traditional IRAs... Quick summary: Her status: No retirement plan at work, Contributes $5,500 Trad IRA (all deductible) His status: 401k at work (max contribution), No IRA contribution My problem is: Our MAGI is right around the $98,000 limit...

aerolulu

Thanks. Couple follow up: Regarding UTMA, is there really a benefit to have such account on top of 529? Regarding pre-paid plan, I honestly thought it was a lot more expensive. It appears that lump sum cost would be $28k today for 4-year of university in 18 years. That's lower than I thought and cou...

aerolulu

Discussed some of these responses with the wife while taking a stroller walk and we agreed on 2/3 529 1/3 savings. With savings sometimes used to buy something useful for him while young... and later he'll decide what to do with it... :) Being located in FL, we've also decided to go with Vanguard's ...

aerolulu

I think it makes perfect sense

Thanks Miriam2!

aerolulu

Well, everybody seems on board. Maybe I'll add that money to the fund and get that going. I'll make sure to add notes in the contribution so that it says on statement who game him that money. I might use some of it for small stuff. I still feel his gifters would love to see him get a little somethin...

aerolulu

hey BHs! First of, happy holidays. I hope this end of year will be a good time for everyone to celebrate of your 2015 accomplishments. We recently welcomed a small addition to the family. We live in a metropolitan area, in 2/2 and we are trying to keep the influx of gifts for the little one under co...

aerolulu

Unfortunately no TLH possible for me. and I have already contributed about $4k to IRA. I guess it's not that bad. Will go this route most likely. Thank you!

aerolulu

Thanks! Unfortunately HSA is not offered to either of us. However, I believe I calculated our MAGI to be just under $98k. Based on my understanding of IRS rules, that's means I can deduct 100% of contribution to Trad IRAs and so can my student wife. (Married filing jointly). That will help a bit. No...

aerolulu

Hey BH community, Quick question. I was just told by exec mgt that I'd receive a one time discretionary bonus this year added to my December paycheck. It's about $10k Problem is it's a bit late for me to factor this in tax strategy. I have maxed out 401k and spouse is a student. I'm thinking to max ...

aerolulu

Hey guys, late the party but wanted to add something. I've seen this posted on this forum so I know it's not just me. I'm currently with Geico and used to have a decent auto coverage (like 100k/100k). When I asked about umbrella insurance, I was told that essentially, if I get umbrella, I would have...

aerolulu

I like to have it on my computer because I can then run numerous "What if?" scenarios and change them at any time through out the year. A typical "What if?" scenario for me is "What if I converted $10,000 from my traditional IRA to my Roth IRA? Will I still be in the 15% ta...

aerolulu

Sorry to jump in but can I ask why most posters prefer to use TT or Block on their computer rather than the online version? Is it for privacy reasons? I'm just curious as I've always used the online TT version in the past and was very happy with it. I feel that it's easier as I have multiple compute...

aerolulu

Hey guys! Modest bonus here as well. I'm curious though since the question is being asked. It seems that most of you are getting cash bonus. My company elected (before I joined), to distribute the bonuses in our 401k accounts. I'm ok with that. It boosts the savings quite a bit but what do you think...

aerolulu

Very interesting to follow that thread. It got me curious and I would definitely consider leasing my next car (after running numbers) based on this. However, as plenty have mentioned, we do spend a good amount of time in our cars, for me probably an hour day. If you ask me... Would I rather retire 2...

aerolulu

I would agree with most recent poster, but only if this is part of your overall strategy (becoming a landlord and everything that comes along). Being on the cautious side, I would prefer to rent for at least a year to make sure that making the significant investment of buying the new house is really...

aerolulu

I would also suggest getting educated by reading books (as soon as possible) and/or some of the website pages listed above. Do not confuse a 5-week winning streak with a viable strategy. You're (apparently) young and may have the more potential than any other posters on this board so make the best o...

aerolulu

Thanks Sawhorse. I did see this listing of fees. I already bank with HSBC and my thoughts was to eventually rollover my IRA after the $100k Premier threshold is reached. This waives most of the fees, gives access to some pretty good rates (I got 2.75% 15-yr fixed mortgage with them when I was Premie...

aerolulu

Thanks for all the responses. That's kind of what I was suspecting but found it weird that banks wouldn't mirror each other's profitable index funds (I don't know that they can be patented and would most definitely increase the deposits for the bank to work with)... Anyway, I'm a permanent resident ...

aerolulu

Hi, I was glancing at a few things recently and was wondering how to chose where to keep my IRA account. Are some index funds only available with certain brokers? (seems weird as one would think that an attractive index fund could be easily mirrored by the competition?). Is it related to fees (i.e. ...

aerolulu

I had a blast meeting all of you today. I hope we do this again soon!

aerolulu

Hi, as I said I may not be able to make it but in case I can, has a date/time been decided yet?

aerolulu

Unfortunately, I too had a conference that I got enrolled in on that day. However, depending on the time I may still be able to come

I'll keep an eye on location and time!

aerolulu

Thanks Clevername. Sent an email yesterday. Thank you!

aerolulu

Thank you all for the responses. I read through the IRS doc and understand the "incurred" clauses. From reading other articles online it appeared to be the case but I was not 100% sure and it still is a bit confusing. Now, regarding the day care financial situation. You are absolutely righ...

aerolulu

I'm not sure whether this is the right place to ask but with all the bright minds on this forum, somebody may be able to shed some light on my problem. We are expecting a baby in November 2015 ( :sharebeer ). We plan on using a day care from February 2016 to December 2016. I would like to use the de...

aerolulu

Hey everybody. Just to say that I'm down to meet if we schedule something in South Florida. Would love to meet some real life Bogleheads! Don't have a large place so wouldn't be able to host

maybe sometime in the future

I'll keep an eye on the thread. I'm in Miami.

aerolulu

Good afternoon All! Just wanted to stop by and thank everybody who guided me here. I've realigned my accounts over the past couple weeks based on the input I received. Now looking as indicated below. My next step will be to transfer the IRAs to Vanguard and consider the possibility of switching to T...

aerolulu

You are quite awesome!! Not only can you provide advice quickly but you make it completely understandable to a novice like me. Very grateful for this :) Let me digest all this and figure it out. I may open two TIRA with Vanguard as we may still qualify for tax deductible contributions. Thank you Pin...

aerolulu

Thanks Ruralavalon and Pingo! This makes a lot of sense. And yes, it is all great advice actually :) I think this is something I picked up from my boss...!! I've edited my post to supplement the info. That has also changed my mind about the bond/stock split. It is the safe thing to do. These account...

aerolulu

Thanks! It's all good advice actually. I realize it's still not a significant amount which I could afford to lose. I like the thinking on Roth versus traditional. Now, reading other posts it seems that since I have an employer 401k, I may not be able to get any tax deduction since our annual income ...

aerolulu

Hi everyone... I'm rather new to all this. I grew up in a part of the globe where most retirement plans where pension based. Hence very limited interest in retirement asset allocation, and zero education about it growing up... I'm trying to figure out where to begin with my allocation strategy. I di...

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