Search found 423 matches

by nanoanalyzer
Mon May 07, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Military Retirement and Next Career
Replies: 8
Views: 1177

Re: Military Retirement and Next Career

Wait a second... A year from now, you're looking at two $4000+ monthly federal pensions, with COLA, with heath insurance continuation, GI bill covering the kids, and you want another job? Maybe I'm jaded from finishing my adjunct side gig today, which paid 25% for a ~40% time job, but that professor...
by nanoanalyzer
Sat Mar 17, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: "Backdoor Both" aka "Deduct-and-Convert" within the deductibility phaseout
Replies: 1
Views: 371

Re: "Backdoor Both" aka "Deduct-and-Convert" within the deductibility phaseout

172 views one week on, so clearly not a hot topic around here. I'll try this weekend bump and then let it die.

Mostly just want to close out my taxes, so I'll probably claim it all as nondeductible contribution and lose the state tax deduction.
by nanoanalyzer
Sun Mar 11, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Backdoor Both" aka "Deduct-and-Convert" within the deductibility phaseout
Replies: 1
Views: 371

"Backdoor Both" aka "Deduct-and-Convert" within the deductibility phaseout

Paging tfb and Bob. Relevant reading material: https://thefinancebuff.com/deduct-and-convert-save-hundreds-in-state-income-tax-on-roth-ira-contributions.html https://www.bogleheads.org/forum/viewtopic.php?t=86262 https://www.irs.gov/pub/irs-pdf/p590a.pdf https://www.irs.gov/publications/p590b.pdf ht...
by nanoanalyzer
Fri Feb 23, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting top of bracket when IRA deductions are non-deductible
Replies: 5
Views: 702

Re: Hitting top of bracket when IRA deductions are non-deductible

[*]How do others try to 'hit' the bracket limits? Any tips on how to do year-end tax planning when you don't have all the forms yet? I'd rather have a plan for 2018 instead of getting somewhat lucky like I did this year. I update a spreadsheet every 2 weeks throughout the year. I usually end up bac...
by nanoanalyzer
Sun Jan 28, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2900

Re: Keeping a new BMW shiny!

Here's a relevant old topic: https://www.bogleheads.org/forum/viewtopic.php?t=216317 For the best, deepest shine, true carnauba is the only way. However, it lasts but a few months at best and can be difficult to apply. The average person who just likes a clean car is going to want a high-quality sea...
by nanoanalyzer
Thu Jan 18, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1176

Re: Pay off student loan with mortgage refi?

Refinance both, separately.

I would never trade unsecured debt for secured debt.
by nanoanalyzer
Thu Jan 18, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1513

Re: Indestructible winter gloves

I love GI gloves. Have yet to ruin a pair, and they keep me warm in -5F. Brush the snow off after your run, and they stay dry. 75% wool, $10 per pair at your local surplus store. They come in 5 different sizes.
by nanoanalyzer
Sun Jan 14, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1634

Re: Kayak Germany flights more than 60% than airline site??

Most airlines and hotels have price match guarantees. Unfortunately, they require you to purchase first, then submit a claim. I would take a screenshot of the offer on Kayak and send it in to see if it would qualify. Get an answer in writing before you book! https://www.lufthansa.com/us/en/Best-Fare...
by nanoanalyzer
Sun Jan 14, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1546

Re: where does one buy "health insurance" in the USA?

I thought this was going to be like an old Sears Catalog, I'd see the plans listed and the prices. That was the idea. Like many great ideas, the implementation is key. We don't have a car insurance exchange, yet most people figure out how to buy minimum required coverage. Healthcare is different in...
by nanoanalyzer
Mon Jan 08, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3919

Re: Use HSA money or pay out of pocket?

For 2018, I'm maxing out the HSA ($6500) plus receive a small employer contribution. Not sure where the $6,500 max number came from, but you might be on track to over-contribute. Employer and premium pass-through contributions count toward the $6,900 limit for family coverage. You may be eligible f...
by nanoanalyzer
Sun Jan 07, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1752

Re: Debating which credit card to get for airline travel

In the end, I wonder if it's all a wash. No need to wonder. You can use any number of blogs' point valuations to determine the "percentage cash back" of a given travel card. For instance, I'm about to redeem a reward flight on WN after getting the recent 60,000 point bonus. The destination is inter...
by nanoanalyzer
Thu Jan 04, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining a Mortgage After Retirement
Replies: 7
Views: 899

Re: Obtaining a Mortgage After Retirement

Hi rvflyer,

I removed your duplicate topic. Good luck with your mortgage!
by nanoanalyzer
Thu Jan 04, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: IRA deduct and convert question
Replies: 2
Views: 306

Re: IRA deduct and convert question

For 2017, the federal IRA deduction phases out between 99k and 119k. It moves up to 101k-121k in 2018. I'm in that range, but I still ran deduct-and-convert since it saves hundreds on state tax for the portion that is deductible. By the way, deduct-and-convert works best if you perform the contribut...
by nanoanalyzer
Wed Jan 03, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Wireless Ability for Surround Sound Rear Speakers
Replies: 11
Views: 952

Re: Wireless Ability for Surround Sound Rear Speakers

Why not get some low-voltage wall plates and run 2 wires in the wall/ceiling/crawlspace?
by nanoanalyzer
Wed Jan 03, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Extended Stay
Replies: 2
Views: 509

Re: Extended Stay

For that long of a stay, I would prefer to use Homeaway or VRBO.
by nanoanalyzer
Tue Jan 02, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid state income tax on Roth IRA contribution?
Replies: 16
Views: 2271

Re: Avoid state income tax on Roth IRA contribution?

My wife and I are in IL and both contribute to Roth IRAs. In 2018 she will be leaving her job and therefore not have a workplace plan. Our AGI will be somewhere around $115k, 22% federal tax bracket. I believe we will be eligible for her to do this since she won't have a workplace plan but I cannot...
by nanoanalyzer
Tue Jan 02, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 3156

Re: When married, whose contribution should you prioritize?

I would also split it even. We max out each with a 5500 lump in different months every year. Regardless, I always make Mrs. nanoanalyzer's contribution first to avoid any appearance of malice should we eventually divorce.
by nanoanalyzer
Tue Jan 02, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid state income tax on Roth IRA contribution?
Replies: 16
Views: 2271

Re: Avoid state income tax on Roth IRA contribution?

Just completed my first deduct-and-convert a.k.a. Backdoor Both this year. Did not do it previously due to the 5 year rule and needing my Roth IRA contributions for downpayment backup, but now regret giving Madigan another 400 of my hard earned dollars. It's one of the few personal finance no-braine...
by nanoanalyzer
Sun Dec 31, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Health Exam Preparation
Replies: 3
Views: 512

Re: Life Insurance Health Exam Preparation

While this is related to a personal finance topic, unfortunately, rule 4c states,
Medical Issues

Questions on medical issues are beyond the scope of the forum.
I'm going to lock this for further review.
by nanoanalyzer
Wed Dec 27, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 1924

Re: Federal Employee HSA account set up help

You'll probably miss the January and maybe the February passthrough payments, but make sure to call or email HSA Bank ASAP and get a dollar into the account. Any expenses incurred before opening the HSA are not eligible for reimbursement.
by nanoanalyzer
Mon Dec 18, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance student loans that have already refinanced?
Replies: 2
Views: 379

Re: Refinance student loans that have already refinanced?

I refinanced 3 times to collect bonuses. My balances were too low to worry about the rate differences. There were no downsides or fees, other than a few lengthy phone calls and headaches over delays. Go for it!

viewtopic.php?t=191389
by nanoanalyzer
Sun Dec 17, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Transfer between two Ally accounts owned by different folks
Replies: 5
Views: 1328

Re: Transfer between two Ally accounts owned by different folks

I once spent the better part of a morning trying to convince an Ally CSR that I was not attempting to steal Mrs. nanoanalyzer's money while calling to dispute a fee. She was on speakerphone with me at the time. :confused If you need to do this often, we determined that a joint or custodial arrangeme...
by nanoanalyzer
Sun Dec 17, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: 529 tax loophole? Am I missing something?
Replies: 3
Views: 935

Re: 529 tax loophole? Am I missing something?

It probably varies by state, but in my state, one must both own the account and make the contribution in order to deduct said contribution. Gifting to sister, then sister making the contribution is the only way to make this work (with an adequate paper trail), but you should consider whether this vi...
by nanoanalyzer
Sun Oct 29, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 1042

Re: BCBS v NALC

The two calculations I did on High plans came out with very few scenarios in which the High plans were advantageous over GEHA Basic. These were mostly related to prescriptions or catastrophic expenses, as the High plans generally have very low OOPMs and great prescription coverage. That is my recol...
by nanoanalyzer
Sun Oct 29, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 1042

Re: BCBS v NALC

NALC Basic/CDHP have very high out of pocket maxes. In the case of catastrophic expenses, you could come out several thousand behind with the NALC plan. You must also consider the depth and breadth of the networks, and whether you will need to change doctors or healthcare habits. Make sure to also a...
by nanoanalyzer
Mon Oct 09, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: My student loan refi experience (SoFi, Earnest, CommonBond)
Replies: 20
Views: 11634

Re: My student loan refi experience (SoFi, Earnest, CommonBond)

Time for one last update. When I left off back in June, I had finished my application with SoFi and promptly gave them $10k of leftovers from my house downpayment account. These were both mistakes. Regarding the paydown, it's now October and I have a bit of a cash flow problem through the end of the...
by nanoanalyzer
Mon Oct 09, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 4002

Re: My Son is buying a 2017 Toyota RAV 4

Having done this a few times, rebate and max finance, then refinance at 1.9 or lower elsewhere. Just doublecheck the terms of the contract for early payment penalties. He may be able to get another $500 customer cash and $750 recent grad on top of the $3000 dealer rebate. https://www.edmunds.com/toy...
by nanoanalyzer
Mon Oct 09, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review with G Fund, VTIAX, IRA phase-out
Replies: 6
Views: 727

Re: Portfolio Review with G Fund, VTIAX, IRA phase-out

I could have written this post almost verbatim in 5 years. Seriously, it's a little creepy. Regarding G fund, since it pays like an intermediate bond, but with daily duration and zero downside risk, I use it to take more risk on the risky side. This means 100% G fund for my fixed income allocation a...
by nanoanalyzer
Tue Sep 12, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33126

Re: Iphone X is $1000

Kneejerk: This is not sustainable. Q2 2018 might be time to start tilting mid-small cap to get away from AAPL. Math: Considering CPI-U, even the original iPhone would only be inflated 17% at around $350. Have they really added $650 of value? Business sense: Just increase the price until they stop bu...
by nanoanalyzer
Mon Jul 17, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: When, if ever, does it make sense to cease contributing the 401K max?
Replies: 40
Views: 6479

Re: When, if ever, does it make sense to cease contributing the 401K max?

Nate79 wrote:
It's not obvious if the figures you are quoting are real or nominal. Did you correct the tax brackets for inflation?
Everything in 2017 money, including the projected ROR.
by nanoanalyzer
Mon Jul 17, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: When, if ever, does it make sense to cease contributing the 401K max?
Replies: 40
Views: 6479

Re: When, if ever, does it make sense to cease contributing the 401K max?

I am having hard time how somebody who is in lower tax bracket during his earning period AND does not put maximum in 401K but still ends up with too many millions in 401K and "forced" in to higher bracket during the retirement. If your retirement kitty is $5M, you did not get there by being in 15% ...
by nanoanalyzer
Mon Jul 10, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 4075

Re: What do you do when you run the numbers and don't like the answer that you get?

1. Panic. Not the best idea, certainly a character flaw of mine. 2. Frantically search for low-to-mid hanging fruit to reduce spending or improve overall cashflow. 3. Deep breaths. Everything will be okay. There are people who literally live on social security and medicare. .... 12. Look for cheap m...
by nanoanalyzer
Mon Jun 05, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Achieving Balance: Targeting Top of 15%
Replies: 13
Views: 2151

Re: Achieving Balance: Targeting Top of 15%

Thanks to all for your contributions. I think it's extremely difficult/impossible? to give a precise and intellectually honest answer about the right savings rate for the following reasons, which is by no means exhaustive, but what I can think of off the top of my head. 1. Investment returns over th...
by nanoanalyzer
Sun Jun 04, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: My student loan refi experience (SoFi, Earnest, CommonBond)
Replies: 20
Views: 11634

Re: My student loan refi experience (SoFi, Earnest, CommonBond)

The $55 overpayment was indeed credited back as principal to CB, but not shown as a line item on my CB account. Very strange, but the math worked out, so I let it go. Other servicer also worked out fine, but I think they kept a $10-15 overpayment. At this point, not worth my time. My first due date ...
by nanoanalyzer
Sun Jun 04, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Achieving Balance: Targeting Top of 15%
Replies: 13
Views: 2151

Achieving Balance: Targeting Top of 15%

Obviously, tax brackets can change. That's not what this topic is about. We also expect VTSAX to outperform a 2-3% debt, ignoring risk adjustment. That's important information, but only marginally relevant to this topic. Here, we are focused on effective use of (or loss of) tax-advantaged space acro...
by nanoanalyzer
Fri May 19, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 3399

Re: Learning how to spend

SpecialK22, I'm about 10 years behind you in both career and personal finance, minus the Reserve pension, but learning how to spend at the same grade level as you. I find it imperative to set 1 or 2 reasonable goals and stop caring about optimizing the rest. For me, after doing the math on a FERS pe...
by nanoanalyzer
Mon Apr 17, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: TSP: G Fund in lieu of the F Fund
Replies: 17
Views: 3119

Re: TSP: G Fund in lieu of the F Fund

(e) If you are using the G Fund as your lower-risk asset to moderate risk, I personally think you can contemplate using a bit less--like if using normal bonds you would be content at 60/40, then maybe you would go 65/35 or 70/30 if you are using the G Fund. But that's not mandatory. For example, if...
by nanoanalyzer
Wed Apr 12, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 10
Views: 1899

Re: Car waxing/sealant for a newb (not for high level detailing)

Therefore, I would do the following... - Wash the car very well, using appropriate products (car wash, degreaser, ect) - Clay bar the vehicle, working in small sections, and drying as you go - Apply an All-in-one synthetic sealant of your choice ( http://www.autogeek.net/carwax.html ), by hand, 2-4...
by nanoanalyzer
Sun Nov 27, 2016 8:52 pm
Forum: Investing - Theory, News & General
Topic: Stock/Bond allocation with Trump as President
Replies: 5
Views: 1642

Re: Stock/Bond allocation with Trump as President

Topic locked, pending review. (Proposed legislation, politics)
by nanoanalyzer
Sun Nov 20, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 4493

Re: linux versus Mac for the average PC user

Duplicate topics merged.
by nanoanalyzer
Sat Nov 12, 2016 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Will new social security policies change choices?
Replies: 4
Views: 1102

Re: Will new social security policies change choices?

Topic locked subject to review, discussion of future legislation, not actionable.
by nanoanalyzer
Wed Sep 21, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 5486

Re: Chicago Food/Restaurant Recommendations

Take the blue line to Wicker Park (Damen stop). Piece, Chop Shop, Furious Spoon, and several great bakeries/creameries out there for dessert. All within walking distance. All easily under $30/plate.
by nanoanalyzer
Mon Sep 19, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Vacation bundling sites (Expedia, Priceline, etc)
Replies: 14
Views: 1879

Re: Vacation bundling sites (Expedia, Priceline, etc)

I had an issue I was trying to work out and the site kept telling me I had to deal with the airline and the airline told me I had to deal directly with the site. It took me dozens of emails and phone calls and weeks of my time to finally getting it straightened out. ...search using the site and the...
by nanoanalyzer
Wed Aug 31, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 40
Views: 6506

Re: RBD fans, Dan Wiener has news!

White Coat Investor wrote:
nanoanalyzer wrote: which has worked out quite well in the last few (mostly flat) years.
You have a weird definition of flat.
The weird definition is in "last few". I started this game in October 2014. If you take out July of this year, it's been pretty flat from my point of view.
by nanoanalyzer
Sun Aug 28, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to transition to GEHA HDHP HSA next year but will have a medical FSA for part of the year
Replies: 1
Views: 478

Re: Looking to transition to GEHA HDHP HSA next year but will have a medical FSA for part of the year

I assume you have read the brochure? https://www.geha.com/~/media/Files/Brochures/Health-Brochures/2016HDHPBrochure.pdf In a similar situation, I just did everything I could to spend down the balance of the FSA by 31 Dec. From page 30 of the brochure, The exception to this is that FSA coverage is tr...
by nanoanalyzer
Sun Aug 28, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Best free net content (Like Youtube, not netflix or amazon)
Replies: 12
Views: 2065

Re: Best free net content (Like Youtube, not netflix or amazon)

If you have even a remote interest in physics, science, and the next 40,000 years, PBS Space Time is a guaranteed hit.

https://www.youtube.com/channel/UC7_gcs ... bpVgjHZ_7g
by nanoanalyzer
Sun Aug 28, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 40
Views: 6506

Re: RBD fans, Dan Wiener has news!

Cool. I love confirmation bias like I love eggs and bacon. I usually go for a RBW(eek) sort of strategy, which has worked out quite well in the last few (mostly flat) years. Recently, you have indicated the importance of sectors, including VFINX, in the RBD strategy, so I'd be interested in him taki...
by nanoanalyzer
Mon Aug 15, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 12720

Re: Called Vanguard today and after 1/2 hour hold the service was terrible

This topic is now locked (non-actionable, general rant).

Forum rule 4b:
Non-actionable (Trolling) Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here.