Search found 559 matches

by tenkuky
Fri Nov 09, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Average Cost Basis & TLH
Replies: 1
Views: 201

Re: Schwab Average Cost Basis & TLH

Your question got me thinking.. Years ago, I had to send in a written request for specific ID for MFs with Schwab. I checked today to see if my request is still good. There is a way you can check (and supposedly change) on the website: Service - Account settings Also, the CSR in Active Trading Desk ...
by tenkuky
Fri Nov 09, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40624

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

What's the risk here? I can't figure out why Ally is just throwing away money. 1/15/19 seems like an awfully short amount of time. If Ally goes bankrupt, we're covered by FDIC, correct? Yep, it's odd, but I suppose it's on par with the brokerage transfer bonuses and the belief that it will lead to ...
by tenkuky
Fri Nov 09, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7807
Views: 1602945

Re: U.S. stocks in freefall

Love it!
Right in time for biweekly payroll deductions to retirement plan.
TGIF for me is market drop :beer
by tenkuky
Wed Nov 07, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTEB to Treasury note?
Replies: 1
Views: 158

TLH VTEB to Treasury note?

Due to a drop in muni bond funds, my Vanguard Intermediate Term Tax Exempt (VTEB) ETF in my taxable account has some losses (both short and long) I want to harvest. I could consider exchange into iShares ETF MUB that is somewhat similar, and worried about the implications of a wash sale (on this boa...
by tenkuky
Mon Nov 05, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Home security system for vacation home
Replies: 9
Views: 786

Re: Home security system for vacation home

Is it possible to use the signal from nearby cell towers and how does that work?
Not feasible to put in a landline (cut the cord years ago) and don't want to activate internet for wifi.
by tenkuky
Mon Nov 05, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Home security system for vacation home
Replies: 9
Views: 786

Home security system for vacation home

Interested in getting a home security system for the vacation home. It is in a quieter rural area without a close neighbor. No wifi/internet, truly for vacations :) Thinking that SimplifySafe which many people around here like not an option as I would have to get an internet provider and a wifi rout...
by tenkuky
Thu Nov 01, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 25
Views: 2282

Re: HSA Rollover

See BBB report on HealthEquity. While I didn't file a complaint myself, my experience led me to inform my employer they should explore other options, and they actually will be looking at other vendors next year. Much like advocating for changes in 401k/403b vendors that boarders guide on, you have t...
by tenkuky
Thu Nov 01, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 25
Views: 2282

Re: HSA Rollover

I used unknown as type. Regarding other comments, agreed that HE makes it hard because they are trying to (at least for me) push to the transfer which is $25 each time. Well planned once a year rollovers are good enough for a BH like me and now I know how, makes it easier. Also they used scare tacti...
by tenkuky
Wed Oct 31, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 25
Views: 2282

Re: HSA Rollover

I am here with an update, and it is very annoying on HealthEquity's end :annoyed Despite being on chat with them and processing the request for a distribution (annotated and commented by me for Rollover purposes), they froze the transfer and my account, claiming it was "fraud". No communication wit...
by tenkuky
Fri Oct 26, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed Price Option for natural gas
Replies: 6
Views: 748

Re: Fixed Price Option for natural gas

I just signed up for fixed price arrangement for 2 years. You should be able to comparison shop prices between current provider and what you are being offered. I went back and looked at 2 years worth of rates and while historical is not a predictor of future, the rate was competitive. My contract al...
by tenkuky
Fri Oct 26, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 6976

Re: 2019 401(k) Contribution Limit

A week later still no update from IRS.
In 2017, announcement was on Oct 20.
Any idea when this will be announced?
by tenkuky
Thu Oct 25, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Another new investor with follow up questions
Replies: 2
Views: 280

Re: Another new investor with follow up questions

You have done very well in your choices and asset allocation. I only have a clarification on HealthEquity, it is 0.033% per month which is 0.4% annually. So both are correct :) You might want to consider moving it (do it as a distribution rollover and not a transfer) to Lively which is a fixed fee m...
by tenkuky
Tue Oct 23, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25492

Re: PSA: Don't buy a big house

My Texas home atrium is 20' tall and has a chandelier hanging on a may be an 8' chain connected to the ceiling. When I need to change bulbs on the chandelier, I go up to my second floor library where I can see the chain, and use a long poll with a hook to pull the chandelier closer to me. I can alm...
by tenkuky
Tue Oct 23, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

When you say you are in "year 16" how far from retirement? For early 40s, that's moderate.
No harm in contributing small amounts to it, like $ 50 per month. It reduces your taxable income so is beneficial anyway and if you set it up auto, you won't miss it likely.
by tenkuky
Tue Oct 23, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

Then I would open up and contribute to 403b with the following: VG 500 40% VG Ext Mkt 15% VG Tot Intl 20% VG Tot Bd 25% And rollover the old 403b into it. The percentages of above are to your desired allocation but given that you have at least 10+ years to retirement you could consider changing to y...
by tenkuky
Tue Oct 23, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

If you can post the list of funds available in those options with NC, we can provide insight. Forget performance. Asset allocation, passive, low fees will do it. This is a list of the plans investment options. http://www3.prudential.com/email/retirement/IMFPWeb/hosted_websites/cs/ncplans/investment...
by tenkuky
Tue Oct 23, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1630

Re: Making loose leaf tea

KlangFool wrote:
Tue Oct 23, 2018 7:26 am

The most delicate tea is the white tea.

KlangFool
Klang: where can I get white tea? I have tried it before and it is so subtle and pleasing. Loose leaf better than bags?
by tenkuky
Tue Oct 23, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1630

Re: Making loose leaf tea

I use a simple 1 quart Pyrex measuring cup and a small hand held fine mesh strainer to pour the tea from measuring cup to drinking cup. I drink a lot of loose leaf tea, mostly aged pu'erh style tea. Steeping overnight is a bad idea. It is not a good idea to over steep/brew tea as most tea will rele...
by tenkuky
Tue Oct 23, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

If you can post the list of funds available in those options with NC, we can provide insight.
Forget performance.
Asset allocation, passive, low fees will do it.
by tenkuky
Tue Oct 23, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1630

Re: Buying and making loose leaf tea

Depends what style you like. In the past, I've loved getting tea bags and loose leaf from here when I was experimenting.
https://www.republicoftea.com/

Have used tea balls/infusers to prepare in regular pot of boiling water.
by tenkuky
Mon Oct 22, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Administrator incorrectly followed order, now what?
Replies: 3
Views: 518

Re: Administrator incorrectly followed order, now what?

What does this part mean? Put in the order (not able to do online) via fax to agent on 10/2. Incorrectly done, but no notification right away (no email etc). It isn't clear what "incorrectly done" means, but if you made the mistake, do you expect someone to "correct" it retroactively? Dale Nope, I ...
by tenkuky
Mon Oct 22, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Administrator incorrectly followed order, now what?
Replies: 3
Views: 518

Administrator incorrectly followed order, now what?

For previous discussion, see https://www.bogleheads.org/forum/viewtopic.php?f=1&t=259834 Basically, I was trying to rebalance options in the VUL from high-priced actively managed ones to the closest I could get to indexing. Put in the order (not able to do online) via fax to agent on 10/2. Incorrect...
by tenkuky
Mon Oct 22, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

What is the old 403b invested in? What are the fees and expense ratios?
If tolerable, I would just leave it there.
Often, they have bankruptcy protected greater than an IRA.
Does your pension plan have any option for rolling in monies such as the 403b?
by tenkuky
Mon Oct 22, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 579

Re: Where to roll an old 403b

Are you currently working, and have a retirement plan (403b or other) that you contribute to? If so, can you roll into that? Don't move it to the Roth, as you first have to roll to an IRA, then pay taxable conversion. Unless your tax bracket is low enough, you will not pay much tax. Too little infor...
by tenkuky
Mon Oct 22, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7629

Re: For those who paid off house - how did you do it?

I'm doing #1.
Problem with #2 is not only taxable event if gains, but you could have a smaller egg if prolonged downturn :(
Though livesoft teaches you could tax-loss harvest if that's the case.
#3 is just mental math. If you are committed to paying down, just do #1.
by tenkuky
Mon Oct 22, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25492

Re: PSA: Don't buy a big house

Don't buy an old house either unless you're excited about replumbing , replacing everything etc. sigh...I would buy a newer house next time..... I'd venture to guess that newer construction is less durable than older, though I believe there is tipping point when construction quality deteriorated. F...
by tenkuky
Mon Oct 22, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: non-governmental 457
Replies: 9
Views: 481

Re: non-governmental 457

Would you drop a tax bracket by contributing to the 457? If so, I'd strongly consider it. I believe there is no documented instance of employees losing the 457 due to company insolvency (read somewhere here on the board). Also, one might consider early retirement where you can use the 457 distributi...
by tenkuky
Sun Oct 21, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 784

Re: American Century Small Cap ASVIX

I held that for 8 years till I became a Boglehead 4 years ago.
Now only index funds/ETFs for me🍺
by tenkuky
Sun Oct 21, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401 K Advice
Replies: 6
Views: 401

Re: 401 K Advice

See bolded options below. Don't forget your international allocation, how much did you think? 25%? Re. bond allocation, you didn't mention how "young" you are to see if 10% is OK or too aggressive. Hello, I would appreciate your advice with 401K options. Here are the options for my work 401K with ex...
by tenkuky
Sun Oct 21, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Wife Left Job - What Do I do with 403(b), 457(b), and Pension Contributions?
Replies: 6
Views: 795

Re: Wife Left Job - What Do I do with 403(b), 457(b), and Pension Contributions?

I would only rollover the pension monies. Keep the 403b intact till she comes to know about options with next employer. Then, she could either keep in Fido's 403b or rollover to new employer's option. Try not to open an IRA for rolling over to allow yourself flexibility for backdoor Roth in future. ...
by tenkuky
Sat Oct 20, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Education Savings Account
Replies: 6
Views: 556

Re: Education Savings Account

Thanks for the replies. I'm committed to sell it and buy money market but of course the market made a mini-correction over the last week. So i'm in that dangerous period of sell at S&P of 2750, 2800, 2850 or wait until it hopefully recovers to 2900. Don't time the market. Just go into safe investme...
by tenkuky
Thu Oct 18, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k rollover
Replies: 3
Views: 177

Re: Roth 401k rollover

Yes, it's no problem.
Since you have a single fund, they will divide it based on how the contributions went in and come up with the percentage.
No big deal, you will have tax-free of 1, and tax-deferred of other.
Let them both grow.
by tenkuky
Thu Oct 18, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1530

Re: Portfolio Advice, 30 yr old couple

ruralavalon wrote:
Thu Oct 18, 2018 11:18 am
With the good funds offered in his 401k, I don't see any need to rollover his 401k into a traditional IRA.

Converting a traditional IRA to a Roth IRA will have a high tax cost, given your high tax bracket (24% federal, 5% Illinois).
Agreed
That's why I oopsed the above OP response.
by tenkuky
Thu Oct 18, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1530

Re: Portfolio Advice, 30 yr old couple

I would prioritize paying off your student loans before starting a taxable account, since you can essentially lock in a 4.75%, 5.33%, and 7% return. And then I'd max out your tax-advantaged accounts (401k, IRA, etc.) before starting a taxable account. Have you considered rolling over your 401k to a...
by tenkuky
Thu Oct 18, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1530

Re: Portfolio Advice, 30 yr old couple

Just because you can't contribute to a Roth due to income limits does not meet you cannot do backdoor roths. I would use the space this year for both HIS and HER contributions to Trad IRAs and then immediately backdoor. Whether you do it to existing Roths or separate Roths is up to you. Just remembe...
by tenkuky
Thu Oct 18, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k rollover
Replies: 3
Views: 177

Re: Roth 401k rollover

Depending on who manages your 401K, there is actually separation of the account into 2 subaccounts. At least with Fidelity. So it is not an issue to just rollover the Roth 401K into a Roth IRA, especially if you stay with the same vendor. They figure out the basis etc which should not matter for the...
by tenkuky
Wed Oct 17, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pending I-485 & Roth
Replies: 9
Views: 655

Re: Pending I-485 & Roth

Per this, put down resident.

https://www.irs.gov/individuals/interna ... tax-status

Read the nonresident spouse bullet.
Also substantial presence test if not perm resident.
by tenkuky
Wed Oct 17, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Pending I-485 & Roth
Replies: 9
Views: 655

Re: Pending I-485 & Roth

There seems to be some confusion between USCIS and IRS definition of US person here. If you and your wife are considered US persons/residents according to IRS language, then you are able to open and fund a Roth (so long as at least one of you who is married has the appropriate earned income). It may...
by tenkuky
Wed Oct 17, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2566

Re: flat for the year

TierArtz wrote:
Wed Oct 17, 2018 5:40 pm
Quicken tells me I'm up 0.63% for the year (roughly 40% TSM, 27% TISM, and 33% bonds), which suits my definition of "flat". Thus, you have company.
And I'm -0.41% and fine with it. 50 TSM 15 Int 5 EM 30 BD
by tenkuky
Wed Oct 17, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

This is a very local question. Depends where you live. If you generally post location (I assume in AZ), other boarders can give word-of-mouth recommendations. Apart from yelp, look at suggestions on this webpage. https://www.consumerreports.org/car-repair-shops/where-to-go-for-car-maintenance-and-re...
by tenkuky
Tue Oct 16, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Market timing mistakes relative to joining BH Forum
Replies: 6
Views: 737

Re: Market timing mistakes relative to joining BH Forum

Not exactly market timing, but after I joined BH in 2014, I got educated about expense ratios and fees and took about 3-4 months to get out of all my actively managed funds. I also adjusted my asset allocation as previously I didn't even think about it and have adjusted it gradually with age since. ...
by tenkuky
Mon Oct 15, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 401k Funds for 23 year just starting out
Replies: 7
Views: 470

Re: 401k Funds for 23 year just starting out

What are the expense ratios of these?
Of the top of my head, I would say 20% bonds is a tad conservative for a 23 year old who has 30+ years to ride out.
10% more likely but depends on your/her tolerance.
by tenkuky
Mon Oct 15, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Driving Chicago to Washington D.C. in November - stop halfway?
Replies: 4
Views: 318

Re: Driving Chicago to Washington D.C. in November - stop halfway?

Not natural beauty, but the kids would love COSI science museum in Columbus.
https://www.cosi.org/
by tenkuky
Mon Oct 15, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Lost Job, Need Advice on Next Move(s)
Replies: 5
Views: 412

Re: Lost Job, Need Advice on Next Move(s)

Ha, KlangFool is right, I forgot about spousal qualification for Roth.
But as another boarder pointed out, don't try and contribute or do anything in January.
Stay liquid and figure out your job prospects.
You have till April 2020 to contribute to your 2019 Roth.
by tenkuky
Mon Oct 15, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Lost Job, Need Advice on Next Move(s)
Replies: 5
Views: 412

Re: Lost Job, Need Advice on Next Move(s)

Sorry to hear about your situation. 1. Unemployment compensation does not count as earned income for IRA contribution purposes. So unless you have earned income in all of 2019, you couldn't. Wait and see how it shakes out as you look for another job. As long as you went above the $5500 earned income...
by tenkuky
Sun Oct 14, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Thinking about a cruise to Cuba
Replies: 3
Views: 622

Re: Thinking about a cruise to Cuba

Be aware that US only permits travel to Cuba for 12 categories, not including tourism. •Family visits •Official business of the U.S. government, foreign governments, and certain intergovernmental organizations •Journalistic activity •Professional research and professional meetings •Educational activ...
by tenkuky
Sun Oct 14, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 48
Views: 3184

Re: Cancun in a few weeks

And PDC has a mezcal place that is terrific. For drinks, I suggest getting a bottle of tequila and a large 2 L of Squirt (grapefruit) soda and limes at the supermarket. Should last for many Palomas for your trip and waay cheaper than buying drinks at a bar/hotel. Made ours last a week and they are s...
by tenkuky
Sat Oct 13, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 48
Views: 3184

Re: Cancun in a few weeks

Absolutely rent a car and drive to ruins (both to west at Chichen and south to Tulum). Freedom of pacing and timing. Roads are excellent going west, not bad going south. Leave early (real early) and get to ruins at opening time (around 8 AM). Avoids the crazy tour bus crowd later and the trinket sel...
by tenkuky
Sat Oct 13, 2018 10:21 am
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 38
Views: 2325

Re: New West Michigan Bogleheads Chapter Established

wildungar2000 wrote:
Sat Oct 13, 2018 9:06 am
Community West CU is 7% up to $2k
United Bank of MI is 5% up to $10k
LMCU is 3% up to $15k
Honor CU is 3% up to $10k

Any other local ones?
Are these all Chex or hard pulls?
Would be a great first topic over coffee.
Also if there are referral bonuses the group can get for one another!