Search found 274 matches

by motorcyclesarecool
Tue Feb 20, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Where to park 800K cash
Replies: 7
Views: 2019

Re: Where to park 800K cash

Consider Vanguard Municipal Money Market fund. Low earning but federal tax free. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0045&funds_disable_redirect=true Or consider one of Vanguard’s California municipal bond funds. https://personal.vanguard.com/us/funds/snapshot?FundI...
by motorcyclesarecool
Mon Feb 19, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's female looking for some advice towards financial independence
Replies: 31
Views: 3742

Re: Late 20's female looking for some advice towards financial independence

Hi folks, This is kind of long, but I need your help with this decision because my relatives tell me I should just marry and have kids and trust my "children and prayer" to take care of me in old age (as opposed to retirement savings). Perhaps you could defuse some of their criticism by asking how ...
by motorcyclesarecool
Mon Feb 19, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Taxing First-in-First-out
Replies: 7
Views: 371

Re: Taxing First-in-First-out

FYI :happy https://www.fool.com/taxes/2017/12/16/what-fifo-is-and-why-congress-just-killed-it.aspx Holy batman, that is a misleading headline. No, FIFO is not gone (yet). To be sure I understand: Would a headline referencing “mandatory FIFO” being dead for now also have warranted an oath involving ...
by motorcyclesarecool
Sun Feb 18, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 681

Re: HSA's - invest or use for current expenses?

I do both. Let me explain: My family deductible is $3000. I max my contributions each year. I have it setup to sweep any cash balance amount exceeding $2000 to my self-directed brokerage. I buy index ETF shares a few times per year. When I’ve had expenses, my payroll deductions replenish my cash bal...
by motorcyclesarecool
Tue Feb 13, 2018 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 37
Views: 6986

Re: Why not just do CDs and skip bonds?

A brokered CD is a bond. They often pay a higher yield than treasuries, and the face value is FDIC insured. The downside of brokered CDs is a loss of liquidity for which you must pay if you wish to access cash prior to the full maturity. Also, if you establish a CD ladder, you have to go in and main...
by motorcyclesarecool
Tue Feb 13, 2018 4:59 am
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 596

Re: First timer with ETFs through HSA - not sure what to do

+1 for simply using SPTM and SPAB. I didn’t like losing Vanguard ETFs in my TDA self directed brokerage, but I’ve gotten used to the SPDR offerings, which have very low ERs. Also, you can setup a DRIP within TDA so that your dividends are reinvested automatically. Unfortunately, there seems to be no...
by motorcyclesarecool
Mon Feb 12, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 33
Views: 3110

Re: Costco 'Goodyear' wiper blades

I’ve had mixed experiences with Costco wiper blades. They used to be the “beam” type wiper and they were excellent in summer and winter conditions. Far surpassed the quality and performance of OEM wipers. Later, Costco started stocking blades that resembled “beam” wipers, but actually functioned as ...
by motorcyclesarecool
Sun Feb 11, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3766

Re: Home buying: how to send postcards to neighborhood we want to live in?

We occasionally get letters like that and I just assume that they are from a flipper looking to lowball people. Would it seem less like a flipper if the letters were hand-addressed and stamped? (As opposed to metered or license mailing) Our large subdivision has a bulletin board near the entrance, ...
by motorcyclesarecool
Sun Feb 11, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3766

Home buying: how to send postcards to neighborhood we want to live in?

After souring on the Realtor profession once again, I fired our buyer rep. I’d like to prospect our target neighborhood with a nice photo postcard of our family that introduces us and politely asks if they’re thinking of selling. How would I go about compiling a list of mailing addresses in the neig...
by motorcyclesarecool
Fri Feb 09, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14614

Re: Vanguard site is crashed now?

Yesterday I successfully bought the following total stock market index ETFs: SPTM on TD Ameritrade, and ITOT on Fidelity. Both were done during the final 10 minutes of the trading day. Both executed perfectly. This morning the Vanguard app wouldn’t log me on to look for TLH opportunities.
by motorcyclesarecool
Thu Feb 08, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads in an era of robots vs. robots
Replies: 18
Views: 1286

Re: Bogleheads in an era of robots vs. robots

Nate79 wrote:
Thu Feb 08, 2018 10:59 am
Hello robots who are out there watching this thread, I am a big fan of yours and really like you. Please remember this statement when you take over the world. :sharebeer
I, for one, welcome our Robot overlords.
by motorcyclesarecool
Tue Feb 06, 2018 2:18 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 26
Views: 1514

Re: Vacation options for wide age-range of children?

CoinCounter wrote:
Mon Feb 05, 2018 11:50 pm
A Disney cruise. Each kid can find an age-appropriate group. Lots of organized activities. Self-contained so they can run wild.
Fixed it for you...
by motorcyclesarecool
Mon Feb 05, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1665

Re: 529 for private elementary school?

My state 529 doesn’t look like it’s ready to handle the changes from the Tax Cuts & Jobs Act... If I transferred my daughters’ 529s from (home state) to my529, would I be able to use it for K-12 tuition at a school in (home state)? Yes, you would be able to make a withdrawal from your account for a...
by motorcyclesarecool
Mon Feb 05, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 2384

Re: How to pay off margin and not get killed on taxes

MAVerlous, I’m chiming in to say how proud I am of you. You’ve recognized that there’s an issue and you’re taking action. Change won’t be easy, but it will be good. You’ve already done the hardest part by taking action to begin educating yourself about your situation and ways out of it. Without know...
by motorcyclesarecool
Sun Feb 04, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1665

Re: 529 for private elementary school?

Utah Education Savings Plan (name changing to my529) website states k-12 tuition can be paid through the plan. I have emailed to confirm whether this applies for out-of-state beneficiaries at out-of-state schools.
by motorcyclesarecool
Sun Feb 04, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1665

Re: 529 for private elementary school?

All it will take is for one state’s 529 plan to allow K-12 tuition, and anybody interested in a state refusing to allow them will head for the exits. Is there a precedent for this comment based on some other tax benefit? If I were in this situation, I would say, "man I wish I lived in that state." ...
by motorcyclesarecool
Sun Feb 04, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1665

Re: 529 for private elementary school?

All it will take is for one state’s 529 plan to allow K-12 tuition, and anybody interested in a state refusing to allow them will head for the exits.
by motorcyclesarecool
Sat Feb 03, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

Traveler wrote:
Fri Feb 02, 2018 9:20 pm
Thank us single people for subsidizing you....
You’ll thank me later when my kids are paying for both our Social Security.
:sharebeer
by motorcyclesarecool
Fri Feb 02, 2018 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

It is even better if you use retirement savers contribution credit and some Roth IRAs. +1 Depending on exactly how the refundable and non-refundable portions of the CTC are administered (see (Refundable) Child Tax Credit in 2018 - Bogleheads.org ), using the OP's numbers one might get $90,000. Sala...
by motorcyclesarecool
Thu Feb 01, 2018 8:26 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5479

Re: Fewer acronyms please

obafgkm wrote:
Thu Feb 01, 2018 8:11 pm
I remember with fondness the thread subject which had the abbreviation “IA”. It meant “Iowa”.

Of course it does. But really, two more keystrokes isn’t too much to ask... :annoyed
Ow. :oops:
by motorcyclesarecool
Thu Feb 01, 2018 5:08 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7573

Re: Tips on Buying a Class-B RV

With ALL forms of RV, pay close attention to the capacities. My parents own a camper that is legally overweight once the propane and fresh water tanks are full. I would never buy from a manufacturer that blatantly skirted safety regs like that. Seems to be a common practice.
by motorcyclesarecool
Wed Jan 31, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

That level of MAGI also would qualify for the 10% tier of the savers credit, so if you stay under 63k you'd add another (non-refundable) $400 credit. i.e. 9400 roth and 1600 tIRA split would put you at exactly $63000 magi, add 9400*12% = $1128 in additional tax, but would qualify for a 400 savers c...
by motorcyclesarecool
Tue Jan 30, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

thangngo wrote:
Tue Jan 30, 2018 12:14 pm
I would do Roth IRA if you're already paying zero federal income tax. You're prime candidate to take advantage of Roth.
That’s a really good point.
by motorcyclesarecool
Tue Jan 30, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

Ok. Now say in this hypothetical scenario, the individual wished to do some aggressive tax gain harvesting in his (or her) taxable account... $77,200 is the top of the 0% LTCG tax bracket. -$29,600 taxable income from salary (from OP) ———————————— $47,600 of tax-gain harvesting for this hypothetical...
by motorcyclesarecool
Tue Jan 30, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 71
Views: 10607

Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

Married filing Jointly 2 children under 12 Single income household $90,000. Salary $24,000. Standard deduction $18,500. Traditional §401(k) contribution $11,000. Traditional IRA contributions (self & spousal) $ 6,900. HSA contributions via cafeteria plan —————————————— $29,600 taxable income $19,050...
by motorcyclesarecool
Tue Jan 30, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Out of state 529 but still get in-state tax deduction?
Replies: 9
Views: 723

Re: Out of state 529 but still get in-state tax deduction?

VT residents get a non-refundable tax credit, and we can roll out to a lower cost state the following year with no clawback. The law explicitly bans using the same contribution to claim the credit in multiple years by making round trip rollovers, but doesn’t claw back the credit if you do a series o...
by motorcyclesarecool
Sun Jan 28, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor Withholding in year following Windfall?
Replies: 7
Views: 640

Re: Safe Harbor Withholding in year following Windfall?

AHA! I just updated the TaxCaster app and now I see the 2018 estimate!
by motorcyclesarecool
Sun Jan 28, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor Withholding in year following Windfall?
Replies: 7
Views: 640

Re: Safe Harbor Withholding in year following Windfall?

....They will both produce your results based on 2017 rules in some detail and also on the final results page produce a 2018 number without details. If both produce the same 2018 number you might have some confidence in that. You can use the 90% of current yr safe harbor. I have iOS app of TaxCaste...
by motorcyclesarecool
Sun Jan 28, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor Withholding in year following Windfall?
Replies: 7
Views: 640

Safe Harbor Withholding in year following Windfall?

I had a tidy windfall in 2017 that, with the help of Bogleheads forum and a local CPA/CFP, I’ve managed to absorb in a reasonably tax-efficient manner. We’ve paid off our townhouse, and we’re well on the way to two commas. I paid estimated taxes for 2017 with the safe harbors in view. Because my inc...
by motorcyclesarecool
Wed Jan 24, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 2717

Re: Can You Say...Auto Insurance

Bottom line in my opinion. Excess medical coverage in most cases on a auto policy is a waste of money. In my motorcycling days, I carried million dollar medical. It was reassuring to have, and allowed me to focus on and enjoy the act of riding. When I took a spill far from home and took a ride to t...
by motorcyclesarecool
Wed Jan 24, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3066

Re: Using disinfecting wipes to clean surfaces

We found the Kirkland brand wipes to function better than Clorox, as they are textured for grime removal. Sadly, my local Costco stopped stocking them :annoyed
by motorcyclesarecool
Wed Jan 17, 2018 5:20 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

Looks like I misremembered the green eye shade. That’s the one though. What was your search term?
by motorcyclesarecool
Tue Jan 16, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

Datek (I think!) had an incredible commercial touting its IT infrastructure portraying their competition as dusty old men in green eyeshades sitting inside a fancy computer. Did I imagine that, or did it happen? No joy on YouTube so far...
by motorcyclesarecool
Mon Jan 15, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Hydronic fireplace home heating
Replies: 6
Views: 680

Re: Hydronic fireplace home heating

Wood pellet stoves have lots of moving parts and blower fans. They do ok at heat generation but they’re kind of loud. Wood stoves (or inserts) are beautiful, quiet, and can really put out the heat, but dealing with the logs means tracking snow and filth through your house to the stove. Also, most co...
by motorcyclesarecool
Sun Jan 14, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3816

Re: Are land line phones still being supported?

With little kids in the house, a landline is a godsend. 9-1-1 in our area knows your address if you call on a landline. If you dial on a cell phone you’ll have to give your location. That makes a difference if you need IMMEDIATE assistance and you have a screaming kid in the background. In our area,...
by motorcyclesarecool
Wed Jan 10, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4154

Re: Men's no iron dress shirt recommendations

I have had very good luck with Stafford brand. I think I get them at JC Penney's or Macy's, can't remember which. Dry them on the gentle/wrinkle free setting and take them out while spinning for best results! I have also learned to keep the neck buttoned in the dryer to avoid those burnt stains fro...
by motorcyclesarecool
Mon Jan 08, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: SIMPLE IRA and FICA for part time employee
Replies: 3
Views: 318

Re: SIMPLE IRA and FICA for part time employee

Bogleheads Wiki SIMPLE IRA Page wrote:The employee contribution can be up to 100% of compensation (earned income, for self-employed individuals), up to the following limits:...
Does the Wiki need an update to provide clarification, then?

https://www.bogleheads.org/wiki/SIMPLE_IRA
by motorcyclesarecool
Sun Jan 07, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: SIMPLE IRA and FICA for part time employee
Replies: 3
Views: 318

SIMPLE IRA and FICA for part time employee

Theory question here: DW is SAHM for the moment. If she were to take a part time job making, say, $10k per year, and park all of it in a SIMPLE IRA, the Wiki appears to indicate that she would still be subject to FICA, despite having zero take-home pay. This seems to be a major unanticipated consequ...
by motorcyclesarecool
Thu Jan 04, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card with Good Bonus for Car Rentals?
Replies: 9
Views: 392

Re: Credit Card with Good Bonus for Car Rentals?

Since you don't like Chase UR, I think amex has some good car rental coverage? I think you can pay extra for the coverage per rental. It’s not that I don’t like Chase UR; it’s that I’ve already got Chase Sapphire Preferred, and don’t think Reserve would be a good value for me. I am highly satisfied...
by motorcyclesarecool
Thu Jan 04, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card with Good Bonus for Car Rentals?
Replies: 9
Views: 392

Credit Card with Good Bonus for Car Rentals?

I’m thinking of signing up for a Capital One Venture card, as its points appear to be the easiest way to earn my way to a free rental car. I’ve asked this question in another forum. Most responses steered me toward obtaining another Chase Ultimate Rewards card. None were able to articulate how / why...
by motorcyclesarecool
Thu Jan 04, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: IL Law - settling an estate with missing heirs
Replies: 11
Views: 930

Re: IL Law - settling an estate with missing heirs

See if you can get a collection agency to find them for less than the cost of a PI.
by motorcyclesarecool
Thu Jan 04, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 1964

Re: Costa Rica

We honeymooned there were in the shoulder season. We got our own plane tickets and used a CR-based travel agent. We went back and forth a few times before settling on a fantastic itinerary. We were met at the airport and whisked everywhere by a private driver in an air conditioned van. Boutique hote...
by motorcyclesarecool
Wed Jan 03, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra on Mortgage or save for car? Need Advice, Please!!
Replies: 29
Views: 1312

Re: Pay extra on Mortgage or save for car? Need Advice, Please!!

Given the two choices, don’t pay extra on the mortgage until you can afford the car without financing. Paying interest on a depreciating asset is very far from optimal.
by motorcyclesarecool
Thu Dec 28, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Question about Fidelity Donor-Advised Fund
Replies: 7
Views: 811

Re: Question about Fidelity Donor-Advised Fund

I often contribute to fundraising campaigns such as the American Cancer Society/American Heart Association Walks. I make specific contributions to the pages of friends or relatives who are walking for a good cause. Can I use the Fidelity DAF to make contributions to specific fundraisers? Thanks, Mu...
by motorcyclesarecool
Thu Dec 28, 2017 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Scared of bonds
Replies: 14
Views: 2088

Re: Scared of bonds

Do you think that the price stability and fact that it is 100 percent government securities is worth that loss of 1 percent over F fund? The risk-free yield of G-Fund means I can have the same overall risk profile in my portfolio but have a higher AA to equities, which should more than make up that...
by motorcyclesarecool
Wed Dec 20, 2017 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Public vs Private
Replies: 21
Views: 1803

Re: Job Opportunity - Public vs Private

Pension things to consider... 1. Can you roll your non-vested pension contributions into an IRA / 401(k) / other tax favored savings vehicle? 2. You can make a reasonable estimate of your pension’s value using the calculator at immediateannuities.com 3. Public sector employment carries fewer risks, ...
by motorcyclesarecool
Mon Dec 18, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: CD perks
Replies: 13
Views: 1756

Re: CD perks

I sense a new thread coming on where we seek out high rate CDs for price match purposes...
by motorcyclesarecool
Mon Dec 18, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11206

Re: Any Instant Pot users here?

We’re new to the Instant Pot game. I’m impressed with the build quality. DW converted a slow cooker recipe for pumpkin chicken curry to Pressure Cooker, and we agree that the texture and flavor of the meat are infinitely better from the Instant Pot. The only downside we’ve seen so far is that the ga...
by motorcyclesarecool
Sun Dec 17, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Best 401k Provider
Replies: 12
Views: 1227

Re: Best 401k Provider

I had Fidelity NetBenefits when I worked for a Dow component Megacorp. Customer service was second to none. Always a “hot transfer” if I needed to speak to someone else. Once I had a human, I stayed with humans the entire length of the call. NetBenefits also handled my health insurance elections and...