Search found 720 matches

by tenkuky
Wed Jun 12, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 2988

Re: Passport photos cheap

an_asker's experience certainly shows the variability in the process. I used an app, our wall is slightly off-white, I am nervous I might have had a shadow too. 3 straight successful applications with no rejection. Go figure. Some posters on this thread also got rejected from a more "professional" p...
by tenkuky
Tue Jun 11, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Submitting Insurance Claims for Toddler Special Needs Therapy
Replies: 8
Views: 510

Re: Submitting Insurance Claims for Toddler Special Needs Therapy

-- HOWEVER, there is no law which says a particular type of therapy or course of action is REQUIRED to be paid by insurance in the case of any particular symptom diagnosis. For example, for "ABA" therapies for autism, this can indeed require an actual medical diagnosis of autism. And even then, fun...
by tenkuky
Tue Jun 11, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 2988

Re: Passport photos cheap

Use the app passportphotobooth by TRB Ventures in App Store.
It gives you the parameters and take against light background.
Send to email and save as jpg.
Walgreens photo 4X6 gives 6 2X2.
With online coupon, print in 1 hour at Walgreens for 21 cents.
I did this 3 times in last month! :moneybag
by tenkuky
Mon Jun 10, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1057

Re: What to read prior to visiting ancient sites in Athens?

Thank you all!
Also, as a primer for my short attention span, I got the history of Ancient Greece in 18 min. :D
https://www.youtube.com/watch?v=gFRxmi4uCGo
by tenkuky
Mon Jun 10, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1057

Re: What to read prior to visiting ancient sites in Athens?

Rick Steves has some good free narrated walking tours in his app that I used while in Athens this winter. I didn't have chance to read deeper because the main part of my trip was to see Egypt and that took all my research time before I left. I'll use some the references of above when I go back and ...
by tenkuky
Mon Jun 10, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1057

Re: What to read prior to visiting ancient sites in Athens?

Try this for free: https://www.athensguide.com/ Haven't looked closely at it, never been to Athens but man I can google. :happy Books - Primary sources - Thucydides, History of Peloponesian War Modern novel - Kazantzakis, Zorba the Greek - not Athens, but one of best examples of modern Greek lit. S...
by tenkuky
Mon Jun 10, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1057

What to read prior to visiting ancient sites in Athens?

For the history buffs and travel experts on BH, do you "prep" by learning about the history, culture etc before you visit a country for the first time? For example: what could one read (and from where) on ancient Greek history prior to visiting sites in Athens (Acropolis, Agora etc)? I don't want to...
by tenkuky
Mon Jun 10, 2019 4:53 pm
Forum: Personal Investments
Topic: HSA investment advice
Replies: 25
Views: 2351

Re: HSA investment advice

Health Equity will charge .33%/yr as their fee for investments you make through their platform, in addition to the fees of the fund(s) you select. I believe they require $2K to be kept in the cash portion of the account Is there any reason you wouldn't consider these funds just a part of your AA an...
by tenkuky
Sat Jun 08, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: No term life on a visa?
Replies: 9
Views: 1152

Re: No term life on a visa?

While getting term on a visa is likely not a problem, you may find that “preferred” rates are generally limited to perm residents and citizens.
So over time, if and when status changes, make sure to inform your provider so you and your spouse can get the rates updated.
by tenkuky
Sat Jun 08, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paydown Mortgage in Chunks or Monthly?
Replies: 7
Views: 999

Re: Paydown Mortgage in Chunks or Monthly?

Another variable is if your recast comes at a fee or you are limited in number of recasts a year.
Use mortgageprofessor calculators to play around with numbers but sadly there isn’t a good recast calculator on there.
by tenkuky
Sat Jun 08, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA in retirement - whose expenses
Replies: 4
Views: 663

Re: HSA in retirement - whose expenses

You and your spouses medical expenses are eligible until you get divorced (or have different insurance plans). The child is more nuanced. . When the child is still a tax-dependent (up to age 19 or, if full-time student, age 24), then the child’s out-of-pocket medical expenses can be paid with the p...
by tenkuky
Fri Jun 07, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: consolidating HSA accounts into new Fidelity HSA account
Replies: 7
Views: 843

Re: consolidating HSA accounts into new Fidelity HSA account

Is there a specific reason why you prefer liquidating and transferring as cash from HE (vs in kind)? If you are looking for a Fido Zero cost fund, why transfer in-kind the BALFX, sell in Fido and then buy, when you can transfer cash? Selling while it is in HE is under your control, I don't trust th...
by tenkuky
Thu Jun 06, 2019 11:36 am
Forum: Personal Investments
Topic: Getting hit with fees after transitioning from BMO
Replies: 3
Views: 468

Re: Getting hit with fees after transitioning from BMO

Agree with Homestretch on all points. Schwab is very good about covering some fees, likely will reimburse you the "transition fee" but doubt they would cover BMO's tax prep fee! I would question BMO about this, if it's not in the paperwork he signed. See below what I found online, the only transfer ...
by tenkuky
Thu Jun 06, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4585

Re: Required Minimum Distributions

""Y'all are confusing me. If you have to take out the RMD in the year you turn 70 1/2, why the heck wouldn't you take it Jan 2nd in that particular year? And not pay the tax in the associated income tax gain for 15 months? "" **Cuz you owe the tax when the "income" is obtained, in your example by A...
by tenkuky
Wed Jun 05, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: consolidating HSA accounts into new Fidelity HSA account
Replies: 7
Views: 843

Re: consolidating HSA accounts into new Fidelity HSA account

Hi. I'm hoping to get some clarification/confirmation on the items below. My goal is to consolidate HSA accounts into Fidelity. 3) Next target is my HealthEquity account has some cash and investment (BALFX) component . When the funds are in Fidelity, I want to invest everything in FZROX. What is th...
by tenkuky
Wed Jun 05, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4585

Re: Required Minimum Distributions

Y'all are confusing me. If you have to take out the RMD in the year you turn 70 1/2, why the heck wouldn't you take it Jan 2nd in that particular year? And not pay the tax in the associated income tax gain for 15 months? Cuz you owe the tax when the "income" is obtained, in your example by April 15...
by tenkuky
Wed Jun 05, 2019 9:24 am
Forum: Personal Investments
Topic: Direct trustee to trustee transfer
Replies: 7
Views: 405

Re: In-kind 401k rollover

Agree with livesoft, in-kind implies you are moving the held funds as-is.
Is there a "transfer out" fee?
If so, consider nicely asking Schwab to cover that for you (they may depending on balance you are moving).
by tenkuky
Wed Jun 05, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Dental & Vision Coverage
Replies: 16
Views: 1329

Re: Dental & Vision Coverage

Are you getting health insurance from the ACA Marketplace? If so, there are dental plan offerings either stand-alone or bundled. Look into the pricing of those as you weigh to go self-pay or not. https://www.healthcare.gov/coverage/dental-coverage/ Also, do you have HSA monies, this would be a good ...
by tenkuky
Tue Jun 04, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4585

Re: Required Minimum Distributions

Since our RMD's are fully funded by fund distributions - with the vast majority coming in December of the previous year, we don't worry if the market is up or down (as it was last December) when we execute our RMD's. - Ron Ron: Are you saying that basically whatever distributions spin off the inves...
by tenkuky
Tue Jun 04, 2019 6:25 am
Forum: Personal Investments
Topic: Any concerns with TIRA rollover to 401k, to allow backdoor Roth IRA?
Replies: 8
Views: 445

Re: Any concerns with TIRA rollover to 401k, to allow backdoor Roth IRA?

1st Separate out the non-deductible amount and the pre-tax amounts. Then, roll over the pretax from tIRA to 401k. Finally, convert the non-ded amount to Roth. Make sure you reflect this on 8606 at tax time. Do it this year and ensure tIRA has zero balance before Dec 31. Opens up the possibility of ...
by tenkuky
Mon Jun 03, 2019 5:08 pm
Forum: Personal Investments
Topic: Any concerns with TIRA rollover to 401k, to allow backdoor Roth IRA?
Replies: 8
Views: 445

Re: Any concerns with TIRA rollover to 401k, to allow backdoor Roth IRA?

1st Separate out the non-deductible amount and the pre-tax amounts. Then, roll over the pretax from tIRA to 401k. Finally, convert the non-ded amount to Roth. Make sure you reflect this on 8606 at tax time. Do it this year and ensure tIRA has zero balance before Dec 31. Opens up the possibility of b...
by tenkuky
Sat Jun 01, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4585

Re: Required Minimum Distributions

I will elect to withhold taxes sufficient to cover any estimated taxes we have. Since withholding is treated as if it had occurred throughout the year, this will reduce any chance of a penalty due to timing differences/shortfall in quarterly estimates. I learned something here. So contrary to my be...
by tenkuky
Sat Jun 01, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: Loss of stretch inherited IRA -effect on legacy planning?
Replies: 4
Views: 455

Re: Loss of stretch inherited IRA -effect on legacy planning?

Thread will be locked.
Off limits pending legislation.
by tenkuky
Fri May 31, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank/Lender for 15 year fixed mortgage?
Replies: 15
Views: 1471

Re: Best Bank/Lender for 15 year fixed mortgage?

If available in your area, Third Federal Savings is good. Competitive rates and they don’t sell the servicing of your mortgage to other banks. +1 https://www.thirdfederal.com/featured-rates#tab-3 15 year 3.39/3.53% The also have the best HELOC rate in the nation on a consistent basis. Prime - 1.01%...
by tenkuky
Thu May 30, 2019 10:35 am
Forum: Personal Investments
Topic: 401k Rollover to Roth IRA; help me not be stupid
Replies: 7
Views: 434

Re: 401k Rollover to Roth IRA; help me not be stupid

Ugh looks like there is an $80 "processing fee." :annoyed Of course there is. Almost all bad plans have a feel to leave. Just pay it and go. This will soon be forgotten. Hah thanks. Can't wait to forget about not just the plan but the former employer. If you ask nicely, Schwab may cover the fee (or...
by tenkuky
Thu May 30, 2019 6:17 am
Forum: Personal Investments
Topic: 401k Rollover to Roth IRA; help me not be stupid
Replies: 7
Views: 434

Re: 401k Rollover to Roth IRA; help me not be stupid

I am in the midst of considering this too, and here is what I found out: 1. First check the process: Schwab requires you to initiate from the 401K vendor. Likely they will liquidate, cut a check and send to you (FBO your Schwab Roth) which you then deposit in 60-day window. 2. Confirm there are no "...
by tenkuky
Wed May 29, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: International indices reflected in US funds
Replies: 1
Views: 144

International indices reflected in US funds

Not trying to market time :wink: but curious about pricing of index international ETFs and funds in the US. Since the markets are closed in Europe/Asia etc when the trading day is underway in the US, how does pricing occur? Have the funds already settled the prices of the held stocks and the pricing...
by tenkuky
Tue May 28, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10335

Re: House not selling

Have you checked your contract to see when you can "fire" the realtor? Even if he calls today I would still want to fire him/her. He/she is not helping you sell your house. They should have told you right up front to paint, declutter, and de-personalize your house. +1 on the advice to declutter and...
by tenkuky
Tue May 28, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: 403b distribution to Roth IRA in same year as backdoor Roth
Replies: 1
Views: 91

403b distribution to Roth IRA in same year as backdoor Roth

I cleared out the tIRA to zero balance last year, did a backdoor Roth this year first time (and will keep doing so every year). Have an old 403b which I can directly distribute to a Roth IRA (without a pit-stop in tIRA so as to not muck up the 8606 form). Aware of the taxable implications and while ...
by tenkuky
Fri May 10, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank frustration
Replies: 12
Views: 1791

Re: Ally Bank frustration

<snip> For her to move money between accounts, she needs to get the accounts linked just as you did. I don't buy that. OurAcctNumber1 at Ally is already linked to OurAcctNumber2 at LocalBank and OurAcctNumber3 at Fidelity. Are you saying she should have to do test deposits to link the accounts that ...
by tenkuky
Mon Apr 15, 2019 7:08 am
Forum: Personal Investments
Topic: Schwab international fund
Replies: 9
Views: 683

Re: Schwab international fund

If you plan to make one or couple of lump sum purchases (versus DCA), I suggest using the ETF VXUS which is available for $5 in Schwab.
It is the equivalent ETF of VTIAX.
by tenkuky
Fri Apr 12, 2019 11:32 am
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2214

Re: Tax Efficient Schwab Bond Fund

I didn't know about secret designations, but find that cust service is tops there. I've politely requested and gotten free trades by virtue of being a long-time customer, even without huge balances. Another great way is the regional/local Schwab rep who can do this for you and is more personal, no c...
by tenkuky
Fri Apr 12, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1367

Re: TaxAcT - PSA on gouging

Do Taxhawk, freetaxusa and HRBlock software allow you to preview your forms before you pay? Or toggle back and forth from input to view forms? That was one of the advantages of TaxAct. With HRB you can generate a pdf to review. They recommend you print out, which I do. It's easy to miss stuff just ...
by tenkuky
Thu Apr 11, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1367

Re: TaxAcT - PSA on gouging

I started using TaxAct maybe a decade or more ago when it was the only free e-file software available and my finances were simple (just one W-2). They have steadily increased prices but I've noticed that if chat with them you can get a discount. Just this week I asked for a 50% discount off of the ...
by tenkuky
Thu Apr 11, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1367

Re: TaxAcT - PSA on gouging

DSInvestor wrote:
Wed Apr 10, 2019 11:44 pm
I switched from TaxAct to HR Block for 2018 taxes.
I switched in 2017 to HRB for the price games reasons.
I always found TA very user friendly and yearly imports were easy.
HRB took some getting used to.
by tenkuky
Wed Apr 10, 2019 8:52 pm
Forum: Personal Investments
Topic: UC funds approximation of the total stock market
Replies: 8
Views: 770

Re: UC funds approximation of the total stock market

The UC proprietary funds are hard to fathom in terms of holdings and performance.
Do you have access to BrokerageLink with Fidelity etc that opens the universe and you can directly find a Total Market low cost option?
That’s what I did.
Tot Mkt Indx
Tot Int Indx
Tot Bond Indx
by tenkuky
Wed Apr 10, 2019 11:56 am
Forum: Personal Investments
Topic: Borderline too high 401k fees?
Replies: 21
Views: 1087

Re: Borderline too high 401k fees?

The wiki says ~ 1.7% is the break-even. But more importantly, it helps shelter income as tax-deferred. Need more info on your bracket and age etc which helps look at number of years of tax drag in taxable and if sheltering lowers your bracket. Also, good opportunity to self-advocate with HR on the m...
by tenkuky
Mon Apr 08, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4162

Re: Should I regularly replace the water filter in the fridge?

tennisplyr wrote:
Mon Apr 08, 2019 6:25 am
Removed the filter entirely...heavy use of bottled water.
Curious why. Doesn't that work out more expensive in the long run?
https://www.foodandwaterwatch.org/about ... tled-water
by tenkuky
Mon Apr 08, 2019 7:43 am
Forum: Personal Investments
Topic: Portfolio Review Request for New Boglehead: Thank You Very Much!
Replies: 7
Views: 744

Re: Portfolio Review Request for New Boglehead: Thank You Very Much!

I would increase her 403b to the max ($25,000 not including employer match) regardless and not at the expense of backdoor Roth, if you can spare the $. Thanks Tenkuky. I agree that’s the rational thing to do. It’ll mean finding $1250 per month somewhere to cut from our expenses, but that’s a whole ...
by tenkuky
Sun Apr 07, 2019 10:51 pm
Forum: Personal Investments
Topic: Portfolio Review Request for New Boglehead: Thank You Very Much!
Replies: 7
Views: 744

Re: Portfolio Review Request for New Boglehead: Thank You Very Much!

I would increase her 403b to the max ($25,000 not including employer match) regardless and not at the expense of backdoor Roth, if you can spare the $.
by tenkuky
Sun Apr 07, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4162

Re: Should I regularly replace the water filter in the fridge?

I’ve been just resetting the light but I see the point, thanks to this thread.
Silly question: how do I actually change the filter?
I don’t have a manual for this fridge, came with the house.
Ditto for which filters to buy from Amazon.
Thanks!
by tenkuky
Thu Apr 04, 2019 3:44 pm
Forum: Investing - Theory, News & General
Topic: Turning off Fidelity index funds paper reports
Replies: 0
Views: 180

Turning off Fidelity index funds paper reports

I received the semi-annual fund report for Fidelity Real Estate Index Fund (one of the funds I own in the employer retirement account) in the mail today. I was pretty sure I've opted for e-delivery for everything, and yes I confirmed online. Called Fido, they checked and said I had no ability to tur...
by tenkuky
Tue Mar 26, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 295

Uploading attachment to e-file in HRB

I finally figured out my snafus with filing nonresident return and claiming credit on resident state return. See https://www.bogleheads.org/forum/viewtopic.php?f=2&t=276679 My question is: Has anyone successfully attached a file during e-filing using HRB Deluxe download software? Resident state need...
by tenkuky
Tue Mar 26, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: HRB can't e-file due to Form 1116
Replies: 6
Views: 399

Re: HRB can't e-file due to Form 1116

OP here; mea culpa, I messed up in column n
All set, can e-file :oops:
by tenkuky
Tue Mar 26, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with state tax module and out of state income
Replies: 7
Views: 340

Re: Struggling with state tax module and out of state income

I might be confused. You were a resident of State A all year? The W-2 with withholding in Stare B was in error, correct? If so, all the income, including that on the W-2 is taxable to state A. You get no credit nor apportion any income. The withholding from State B should be completely returned to ...
by tenkuky
Mon Mar 25, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: HRB can't e-file due to Form 1116
Replies: 6
Views: 399

Re: HRB can't e-file due to Form 1116

This is the first time I'm claiming foreign tax credit (mainly on tax deducted at source on interest) using form 1116. All well till I dry-run e-file and nope, can't do it if foreign tax on interest on 1116, need to paper file! Anyone else have this problem, and is there a solution? Using HRB Delux...
by tenkuky
Mon Mar 25, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: HRB can't e-file due to Form 1116
Replies: 6
Views: 399

HRB can't e-file due to Form 1116

This is the first time I'm claiming foreign tax credit (mainly on tax deducted at source on interest) using form 1116. All well till I dry-run e-file and nope, can't do it if foreign tax on interest on 1116, need to paper file! Anyone else have this problem, and is there a solution? Using HRB Deluxe...
by tenkuky
Sun Mar 24, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with state tax module and out of state income
Replies: 7
Views: 340

Re: Struggling with state tax module and out of state income

Plus, I'm not seeing any option in HRB download software for "apportioning" income so I can exclude this W-2 from current state. But as Jeb says, likely current state taxes it all. Funny thing I'm not getting any credit for taxes withheld in previous state. In chat line for last 30 min with HRB to a...
by tenkuky
Sun Mar 24, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with state tax module and out of state income
Replies: 7
Views: 340

Re: Struggling with state tax module and out of state income

Aha, thanks Jeb for the explanation, likely the situation here. Can I at least request refund from the non-resident state then? If you were living in the previous state when you earned the income listed on the W-2, you almost surely owe the tax to that state. Even if you were just in the state for ...
by tenkuky
Sun Mar 24, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with state tax module and out of state income
Replies: 7
Views: 340

Re: Struggling with state tax module and out of state income

Aha, thanks Jeb for the explanation, likely the situation here.
Can I at least request refund from the non-resident state then?