Search found 1063 matches

by tenkuky
Tue May 26, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 6
Views: 362

Re: Software advice needed: remote tech assistance

If your organization already has Microsoft 365, then Teams is a great option at no additional cost.
by tenkuky
Tue May 26, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Move HSA to Fidelity or Elsewhere?
Replies: 17
Views: 733

Re: Move HSA to Fidelity or Elsewhere?

But if I was to switch today I would go with Fidelity as then the HSA and associated brokerage is within the same house, and Fidelity is likely stronger and certainly more well known. But now that I’m with Lively I will stay put. Same here. I like helping the "little guy" and their customer service...
by tenkuky
Mon May 25, 2020 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo 15 yr fixed mortgage availability?
Replies: 1
Views: 318

Re: Jumbo 15 yr fixed mortgage availability?

If you live in certain states, Third Federal is an option.
See here...
https://www.thirdfederal.com/featured-rates#tab-3
by tenkuky
Mon May 25, 2020 10:45 am
Forum: Personal Investments
Topic: Company deferred our 401k Match until 2021
Replies: 9
Views: 592

Re: Company deferred our 401k Match until 2021

Yes, your plan is as good as any.
As long as you're maxing out other priority things like HSA if you have one, backdoor Roth (or Roth iRA If you qualify). And keep deferring your allowable max into the 401K regardless of losing the match.
by tenkuky
Sat May 23, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 338
Views: 23748

Re: The axe falls and I am prepared. What's next?

Klang: I want you to know I am thinking of you and wishing you well. On this board, you have always cautioned people not to assume that employment is a given and to prepare oneself. I have taken your advice to heart and feel I am better off for it. I have nothing to add to the excellent advice given...
by tenkuky
Sun May 17, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?
Replies: 11
Views: 1321

Re: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?

Some insurances will let you "store" the car for a period of minimum 30 days.
That automatically drops the coverages. You can then reactivate or keep extending.
You cannot drive the car at all in that period.
Check if you insurance lets you do this.
by tenkuky
Sat May 16, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 70
Views: 5056

Re: How to get disinfecting wipes..seriously

If this is the case, then it must be the seniors buying them up, given their one hour advantage when stores open in our area. I'm not (yet) a senior, so not sure how I can get hold of some. I've tried multiple grocery stores as well. Any suggestions? Make friends with a local senior and offer to he...
by tenkuky
Sat May 16, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 403b vs traditional 403b?
Replies: 11
Views: 362

Re: Roth 403b vs traditional 403b?

You can always split the difference this year, see what it does to your taxes and then make a decision for next year.
Done that before myself: 1/2 of total eligible IRS limit to Roth, other to trad.
by tenkuky
Thu May 14, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5188

Re: Secrets to a great lawn

Don't have a dog :annoyed Seriously, our mutt enjoys leaving little urine destroyed patches of lawn. But since dog>lawn in the love meter, we live with it. Ha! Ha! Wherever our dog did his business the grass was always greener. :) I read somewhere that male dogs tent to spray over a larger area whi...
by tenkuky
Thu May 14, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5188

Re: Secrets to a great lawn

Don't have a dog :annoyed
Seriously, our mutt enjoys leaving little urine destroyed patches of lawn.
But since dog>lawn in the love meter, we live with it.
by tenkuky
Thu May 14, 2020 5:55 pm
Forum: Personal Investments
Topic: **AMAZED** Just venting
Replies: 16
Views: 2417

Re: **AMAZED** Just venting

This thread will be locked unless you ask for actionable advice.
Doesn't diminish your right to vent, just saying.
by tenkuky
Tue May 12, 2020 11:16 am
Forum: Personal Investments
Topic: Lump sum annual IRA strategy
Replies: 4
Views: 281

Re: Lump sum annual IRA strategy

This is Bogleheads; no such thing as overthinking :shock:
You will likely get many responses on this; for simplicity just invest when you lump sum in (research says that works better than DCA, except I bet in 2020!)
by tenkuky
Tue May 12, 2020 9:52 am
Forum: Personal Investments
Topic: Lump sum annual IRA strategy
Replies: 4
Views: 281

Re: Lump sum annual IRA strategy

Are thou speaking of market timing? By putting in "taxable", you trying to invest through the year and then liquidate and fund the backdoor/IRA in Jan? Money is fungible, where you get it from is immaterial. I would never "invest" money in taxable I need to transfer to Roth in a short period, either...
by tenkuky
Tue May 12, 2020 9:43 am
Forum: Personal Investments
Topic: Question regarding brokerage at TDA
Replies: 3
Views: 189

Re: Question regarding brokerage at TDA

Are you sure it's not "baked in" to the ER? could be that's the way they are showing it. I have SPTM and my account does not show any additional management fee. Also see https://www.tdameritrade.com/pricing.page I'm pretty sure it's not a TDA fee, just how they display. But I could be wrong, it's ha...
by tenkuky
Tue May 12, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 167
Views: 22691

Re: [Marcus Savings Account - Interest rate is now 1.7%]

And Ally sees Marcus’s 1.3 and raises (lowers) it to 1.25. Just got the email. Glad I just put everything in the no-penalty CD at 1.5. I'm still seeing 1.5% for savings and I didn't get an email. But I trust you and just now swept it into the NPCD to gain that 25 bps advantage. And if I need the ca...
by tenkuky
Tue May 12, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7897

Re: Ally lowers APR on savings from 1.5% to 1.25%

2Birds1Stone wrote:
Tue May 12, 2020 2:29 am
Ally already lowered the APY on the penalty free CD to 1.30%, still good if rates keep dropping.....
Ha! in before the drop. Thanks to this board, I nabbed a 1.5% last night.
And interestingly, they've done it for all balance tiers, not just the 25K one. That's at least something.
by tenkuky
Mon May 11, 2020 7:05 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3654

Re: Ally Bank 1.25% savings .50 Moneymarket

whodidntante wrote:
Mon May 11, 2020 6:35 pm
Just think of the tax savings!
Having just done my taxes this weekend, I can confidently state you are right, with the lousy rates and the lower bond yields and the likely reduced dividends, I will have much less 1099 numbers in 2020 and so, yay, less tax (both overall and NIIT). OTOH, :annoyed
by tenkuky
Mon May 11, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 167
Views: 22691

Re: [Marcus Savings Account - Interest rate is now 1.7%]

And Ally sees Marcus’s 1.3 and raises (lowers) it to 1.25. Just got the email. Glad I just put everything in the no-penalty CD at 1.5. I'm still seeing 1.5% for savings and I didn't get an email. But I trust you and just now swept it into the NPCD to gain that 25 bps advantage. And if I need the ca...
by tenkuky
Wed May 06, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible
Replies: 29
Views: 2941

Re: Schwab stock slices

Key question is "why would you?" This seems to appeal more to folks who are set on a particular company/sector/bet and can't afford a whole share, or have a limited amount and want to spread around a few stocks. Seems more gimmick. For me, good ole' VTI and IXUS make up bulk of the taxable. If I don...
by tenkuky
Wed May 06, 2020 7:41 pm
Forum: Personal Investments
Topic: HSA Strategy Questions
Replies: 11
Views: 1314

Re: HSA Strategy Questions

It is not true that you can only rollover once in 12 months. That is if you do an "indirect rollover", aka have the HSA distributed to you and then promptly send the amount to the receiving HSA. Direct trustee-to-trustee transfers can happen more often, but check for pesky fees with your employer H...
by tenkuky
Tue May 05, 2020 8:24 pm
Forum: Personal Investments
Topic: HSA Strategy Questions
Replies: 11
Views: 1314

Re: HSA Strategy Questions

It is not true that you can only rollover once in 12 months. That is if you do an "indirect rollover", aka have the HSA distributed to you and then promptly send the amount to the receiving HSA. Direct trustee-to-trustee transfers can happen more often, but check for pesky fees with your employer HS...
by tenkuky
Wed Apr 29, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: SHould I have my kid pursue coursera / edx courses?
Replies: 19
Views: 1223

Re: SHould I have my kid pursue coursera / edx courses?

I wonder...
Can a Coverdell or 529 account cover this as an eligible expense?
by tenkuky
Mon Apr 27, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7146

Re: How do you explain no COVID19 Stimulus Payment?

If your intent is to respond honestly, then I see no harm in saying "we don't qualify based on the income restrictions". It doesn't sound rude IMHO.
If they keep probing, they ain't no friends of yours :twisted:
by tenkuky
Mon Apr 27, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6058

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I would be curious how healthcare employers are handling this. For Bogleheads on the board in a mix of healthcare settings, what is the current trend?
Would some types of staff be permitted some WFH even after lockdowns eased?
by tenkuky
Thu Apr 23, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

I just want to post an article I just read that gives some perspective: https://www.medscape.com/viewarticle/929101?nlid=135176_5653&src=wnl_newsalrt_daily_200422_MSCPEDIT&uac=340617FT&impID=2356259&faf=1 gasdoc +100 Gasdoc is right to link this; addresses the situation from a contract attorney's p...
by tenkuky
Tue Apr 21, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Q and H&R Block
Replies: 3
Views: 145

Re: 1099-Q and H&R Block

The information on a 1099-Q is not required by the IRS on any form that you submit. If you find "QTP" or "Qualified Tuition Plan" in your HRBlock software, then you can enter any taxable amount and whether any exceptions apply. Is that enough to go on? Or should I go start up my HRBlock program and...
by tenkuky
Tue Apr 21, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Q and H&R Block
Replies: 3
Views: 145

1099-Q and H&R Block

I see no way to enter 1099-Q in H&R Block desktop edition. In the interview portion, it asks if I have any taxable distributions from educational accounts (529, Coverdell). Incidentally, all the distribution amount from the Coverdell to which this 1099 belongs were for educational purposes (high sch...
by tenkuky
Tue Mar 17, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA conversion time?
Replies: 2
Views: 268

Re: Roth IRA conversion time?

I accelerated my IPS plan to do some conversion last week.
May do 1 more but that’s it from a tax standpoint.
Agree, good deal if you have time to let it grow.
by tenkuky
Mon Mar 16, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628666

Re: U.S. stocks in free fall

Seasonal wrote:
Mon Mar 16, 2020 8:29 am
SPY (S&P 500 ETF) at -10.8% 9:29 pre-market. I wonder where it will be at 9:30 and 10:00. Perhaps just at circuit breaker levels.
You predicted. Circuit broke :shock:
by tenkuky
Sat Mar 14, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Expedia Flight Refund Coronavirus
Replies: 12
Views: 2652

Re: Expedia Flight Refund Coronavirus

Not to derail OPs thread, but has anyone else had a problem submitting a request for cancellation on the Expedia website? They ask for itinerary number (11-13 characters), but the itinerary number is 14, and it rejects it! Can't get any support on phone, not even hold, just unable to respond and di...
by tenkuky
Sat Mar 14, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Expedia Flight Refund Coronavirus
Replies: 12
Views: 2652

Re: Expedia Flight Refund Coronavirus

Not to derail OPs thread, but has anyone else had a problem submitting a request for cancellation on the Expedia website? They ask for itinerary number (11-13 characters), but the itinerary number is 14, and it rejects it! Can't get any support on phone, not even hold, just unable to respond and dis...
by tenkuky
Wed Mar 11, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628666

Re: U.S. stocks in free fall

AnalogKid22 wrote:
Wed Mar 11, 2020 10:25 am
I wonder what percentage of people have more than one cut on their hands...
I hope not. They have more problems than a market fall. :shock:
Oh wait, I see what you meant :oops:
by tenkuky
Mon Mar 09, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628666

Re: U.S. stocks in free fall

Circuit breaker last tripped in 2008.
Next circuit at 13%. Here it comes..........
by tenkuky
Mon Mar 09, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628666

Re: U.S. stocks in free fall

7% down at open
Wheeeeeeeeeeeeeeeee
by tenkuky
Thu Feb 27, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628666

Re: U.S. stocks in free fall

1) Vaccine will most likely be found in following months; Please tell me why my logic is faulty, it might as well be. I don't know where some are getting their information. We are being told by health professionals that it will take a year or more to find a vaccine, then who knows how long to mass ...
by tenkuky
Tue Feb 25, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Help me with mortgage math, please
Replies: 33
Views: 1533

Re: Help me with mortgage math, please

Have you tried using the mortgage professor calculators? https://www.mtgprofessor.com/calculators.htm Look at the payoff calculators (2 series) which is link 3rd from top of list I'd trust those before my own math skills :( I've used a bunch of calculators and I believe I have the answer to my firs...
by tenkuky
Tue Feb 25, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Help me with mortgage math, please
Replies: 33
Views: 1533

Re: Help me with mortgage math, please

Have you tried using the mortgage professor calculators?
https://www.mtgprofessor.com/calculators.htm
Look at the payoff calculators (2 series) which is link 3rd from top of list
I'd trust those before my own math skills :(
by tenkuky
Mon Feb 24, 2020 12:00 pm
Forum: Personal Investments
Topic: Fully invested 401k and Roth IRA or Keep some in money market
Replies: 3
Views: 322

Re: Fully invested 401k and Roth IRA or Keep some in money market

Fully invested.
Don't time the market, you can't successfully over time.
If you need money, keep it in your emergency fund or easy accessible buckets.
I DCA in with paycheck withholdings of my employer retirement option, and sometimes buy the dips (I don't consider this market timing).
by tenkuky
Fri Feb 21, 2020 5:33 pm
Forum: Personal Investments
Topic: Fine-Grained 529/ESA Asset Allocation for Ages > 18
Replies: 2
Views: 226

Re: Fine-Grained 529/ESA Asset Allocation for Ages > 18

I'm confused. How would you have choices to match up duration to need (at least in the 529)? MESP has a limited roster of options, like 100% Fixed Income Option, which you cannot slice-and-dice. I plan on doing the "hold 1-2 year's worth" in the Guaranteed Interest pot and the remaining in the Fixed...
by tenkuky
Fri Feb 21, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128878

Re: Coronavirus (Consumer Issues) How you are preparing?

mickeyvee wrote:
Wed Feb 19, 2020 5:10 pm
Just remember...Corona Virus goes best with Lyme disease! :oops:
Hopefully not also with Iridocorneal endothelial syndrome (ICE) :oops: :oops:
by tenkuky
Fri Feb 21, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

OP here. First of all, thanks for the comments and perspectives in this thread, highly informative and really helped. Based on the following data points, decided to go with Spanish another year (at least) with the likelihood of a final/5th year Span instead of trying Latin or ASL. 1. Youngster had t...
by tenkuky
Thu Feb 20, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

Appreciate all the responses.
I also don't know if colleges look at a 2+2 split of languages as not commitment versus a 3-1 or a 4 straight.
Any thoughts?
by tenkuky
Thu Feb 20, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

Can they not take Spanish and Latin? ASL can be learned in many different ways. OP here. This. Only option with the schedule is Virtual. Does anyone know if Virtual learning of ASL is OK? And we are talking 2 years of either here. Sorry I didn't make that clearer. 1 year of Spanish was in middle sc...
by tenkuky
Thu Feb 20, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

HS Latin or Spanish/ASL?

Youngster has taken 3 years of Spanish. Wants to take Latin. My suggestion: Take a 4th year of Spanish for better fluency/skill and 1 year American Sign Language (ASL). These are more functional skills IMHO. Youngster retort: I'm going for STEM/health career, Latin is more helpful, and 1 year ASL is...
by tenkuky
Tue Feb 18, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128878

Re: Coronavirus (Consumer Issues) How you are preparing?

3 people are infected in my country of 1.33 billion people. Corona virus is very low on my worry list. Thank God for The Himalayas and the unfriendly border with China. :shock: Last I checked planes can fly at 35,000 ft, well above Everest (and the rest of the ranges) 23-29,000. 3 people infected t...
by tenkuky
Mon Feb 17, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128878

Re: Coronavirus (Consumer Issues) How you are preparing?

For all the people either suggesting N95 masks or having bought off the internet or in-store.... N95 personal respirators are supposed to be fitted and tested in order to be deemed effective for use in airborne transmission. This involves checking fit, using specific odor challenge testing (you smel...
by tenkuky
Fri Feb 14, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: How are you spending Valentine's day?
Replies: 64
Views: 3890

Re: How are you spending Valentine's day?

Home cooked meal $ 15 ingredients
Bottle of wine $ 10
Netflix $ 0.30
by tenkuky
Fri Feb 14, 2020 11:44 am
Forum: Personal Investments
Topic: Asset allocation
Replies: 3
Views: 285

Re: Asset allocation

You either consider cash equivalents part of "fixed income" or consider it in your emergency fund and separate from asset allocation for retirement purposes.
People on this board have different views based on circumstances.
I consider my cash/CD as EF and not AA for retirement.
by tenkuky
Thu Feb 13, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: LTCi policy quote: thoughts?
Replies: 8
Views: 590

Re: LTCi policy quote: thoughts?

Thank you all!
Fantastic questions and thoughts.
I'll get to work questioning the agent on these, I will look at the calculator and also look at costs in our area.
by tenkuky
Thu Feb 13, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: LTCi policy quote: thoughts?
Replies: 8
Views: 590

LTCi policy quote: thoughts?

I'm merely window shopping now, couple aged 50. Asked for a quote on LTCi. Likely will really get serious late 50s and around 60 to purchase one. Question is not about the merits of self-insuring vs. LTCi (read through the threads esp recently), but want the board's opinion on whether these sort of ...