Search found 480 matches

by tenkuky
Fri Sep 21, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Helping set up my companies 457
Replies: 3
Views: 273

Re: Helping set up my companies 457

If govt then yes, would be eligible for a rollover, I've done it before.
While you're at it, you can set it up to rollover to an accepting 401K, 403b or other govt 457b.
All are eligible recipients.
by tenkuky
Thu Sep 20, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Helping set up my companies 457
Replies: 3
Views: 273

Re: Helping set up my companies 457

Hi all, My employer has given me great latitude in working with them to set up a new retirement plan. Thus far I have set up the ability for a megaback door roth and changed our 457 from non governmental to governmental . Fund choices with expense ratios are way better as well. I am looking at the ...
by tenkuky
Tue Sep 18, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance limits 529 and plan transfer
Replies: 0
Views: 78

Rebalance limits 529 and plan transfer

I recently transferred 529s to my state 529 to avail of the state tax deduction.
I previously used the 2 per year rebalance limit.
Can I rebalance again before Dec 31 aka 2 per year per plan or is 2 per year per beneficiary/account owner regardless of transfer?
Hope the question makes sense!
Thanks!
by tenkuky
Sat Sep 15, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2595

Re: Utility usage way up

Another thing to look for: Before smart meters, a portion of your bill represented a small charge (hidden deep within some category) to recoup the cost of having meter readers go out every month. With the installation of the new meters, did that charge disappear from your bill? I was told confident...
by tenkuky
Thu Sep 13, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

Apple replaces the battery and a new shell on refurbs. Only the innards are used. The phone is visually indistinguishable from new For $150, I would be 50/50 on getting a Xr or 8. I'm going to wait to see what incentives come up for trading in your existing phone. T-Mobile had a trade-in offer from...
by tenkuky
Thu Sep 13, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

So now that the new versions are out, the 8 I've had my mind on dropped $100. It's about $600 now for the 64 GB version. Is this the best price I can hope for, or wait some more? Consumer Cellular has it back in stock :beer and I can pay it in installments over 12 months (owned free and clear with ...
by tenkuky
Thu Sep 13, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

So now that the new versions are out, the 8 I've had my mind on dropped $100. It's about $600 now for the 64 GB version. Is this the best price I can hope for, or wait some more? Consumer Cellular has it back in stock :beer and I can pay it in installments over 12 months (owned free and clear with n...
by tenkuky
Thu Sep 13, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2595

Re: Utility usage way up

If you have a smart meter your elec. company should offer the hourly tracking of usage tool online. Altho it is time-consuming, and a chore, the only way to track this down is to closely monitor your usage that way. FWIW - When our area went to the smart meters several years ago one of the argument...
by tenkuky
Wed Sep 12, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2595

Re: Utility usage way up

Does having a smart meter change a recording of usage?
I've noted an uptick in last 2 months usage (20%) on electric usage compared to last year same period and very little changed other than addition of the smart meter in June.
by tenkuky
Wed Sep 12, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: L1 visa-help build portfolio
Replies: 2
Views: 352

Re: L1 visa-help build portfolio

In your previous posts, you have gotten some advice on parking cash in online savings etc, so won't repeat that. Will opine on retirement options only: 1. Annual limit is $18,500 not $18,000 so make sure you are adjusting your payroll deductions for the 401K to maximize this before end of year. 2. O...
by tenkuky
Tue Sep 11, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

https://www.digitaltrends.com/mobile/how-to-check-apple-iphone-8-recall/ Thanks, I was unaware! So, hopefully if I buy direct from Apple now (vs. the article stating this was until March 2018), it's fixed, right? Or do I need to carefully check the serial number and can I even do this before purcha...
by tenkuky
Tue Sep 11, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

Thegame14 wrote:
Tue Sep 11, 2018 11:32 am
IPhone 8 getting recall for hardware issue, so check on that.
OP here, can you clarify this? What sort of issues?
Makes me pause...
Does this apply to the 7 as well, since that was my 2nd choice?
by tenkuky
Mon Sep 10, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Re: Ready to buy iPhone 8 now, but..

All excellent ideas, thanks to all!
I will wait max 1-2 weeks after release and if it's clear that the 8 is on no better discount on Apple store, will just purchase it.
Rather do new, than refurbished or through Swappa etc.
Not a tinkerer, expect to hold it for at least 3+ years.
by tenkuky
Mon Sep 10, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3317

Ready to buy iPhone 8 now, but..

In a previous thread, I agonized about purchasing the slightly older version of the iPhone (7 or 8) to upgrade from a 4! https://www.bogleheads.org/forum/viewtopic.php?f=11&t=250200&hilit=iphone I heeded guidance to wait till the new slate came out as I'd probably get at a discount. Going with the i...
by tenkuky
Thu Sep 06, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: 457?
Replies: 9
Views: 472

Re: 457?

The expense ratios of the funds can be found towards the bottom of this document . At least I think that is accurate/current. My understanding is that the T Rowe Price Target Date funds cost 0.38%, not 0.74%. The Wellington fund is 0.16%. I personally wouldn't pay an extra 0.22% for the target date...
by tenkuky
Thu Sep 06, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: 457?
Replies: 9
Views: 472

Re: 457?

I couldn't find the expense ratios in the document. Can you post those, or is there a table? A suggestion is not to create a stand-alone allocation in this account, but view it in totality of all your retirement accounts (403b and 401k). So just figure your overall asset allocation and figure to adj...
by tenkuky
Thu Aug 30, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5465

Re: Planning for an Indian wedding In NY/ NH area.

And I'm not sure how one balances keeping the relatives happy/avoiding slights with not sliding into debt or compromising savings.
In my humble experience, a relative who is inclined to not like you will find a reason one way or the other :twisted:
by tenkuky
Wed Aug 29, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9717

Re: How do you save money on groceries?

Sounds like you are on top of it but it may be as simple as, food prices have risen, packaging has gotten smaller. Agreed. I first noticed the 64 oz juice become 59 oz juice but retain price and look "almost" identical if you are not reading labels. Same with frozen veggies, 16 oz became 12 oz pack...
by tenkuky
Wed Aug 29, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: How much a buffer zone in your estimate of retirement expenses?
Replies: 64
Views: 3006

Re: How much a buffer zone in your estimate of retirement expenses?

Thanks for the reality check, KlangFool.
Only based on current balance and Firecalc modeling.
I should factor in "worst case scenario" and not count chickens.
But also there is an issue where you plan for worst, best happens and you have a problem there too :oops:
by tenkuky
Wed Aug 29, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: How much a buffer zone in your estimate of retirement expenses?
Replies: 64
Views: 3006

Re: How much a buffer zone in your estimate of retirement expenses?

Jebmke: Fascinating. My worry is exactly that. In accumulation phase now, but worried about accumulating too much in pretax leading to huge RMDs and a deferred tax "shock". And worried about paying taxes now if too many Roth conversions or Roth 403b. I will start modeling and considering splitting t...
by tenkuky
Wed Aug 29, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: How much a buffer zone in your estimate of retirement expenses?
Replies: 64
Views: 3006

Re: How much a buffer zeon in your estimate of retirement expenses?

Great! I just found the RPM calculator on the wiki (wow!). I will use it to model various options. Will follow David Jay plan (which I had sorta wanted to). Keeping an eye on the ACA number and RMD number separately. Currently break-down is pretax:Roth:taxable percentages= 70:15:15. So a lot of pret...
by tenkuky
Wed Aug 29, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: How much a buffer zone in your estimate of retirement expenses?
Replies: 64
Views: 3006

Re: How much a buffer zeon in your estimate of retirement expenses?

I'm a little confused about the sequence of events that needs to happen if one retires prior to 65. There will be backdoor Roth contributions, but should there be Roth withdrawals to fund expenses during that time too? Where does that leave Roth conversions which count towards MAGI but are needed to...
by tenkuky
Wed Aug 29, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Which currency conversion to use for IRS?
Replies: 2
Views: 195

Re: Which currency conversion to use for IRS?

There is no language in the IRS regs about what is allowable or not, they just list possible sources of info. I think the software defaults to the Treasury. Not sure if it increases chance of audit if another source used. https://www.irs.gov/individuals/international-taxpayers/foreign-currency-and-c...
by tenkuky
Wed Aug 29, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Which currency conversion to use for IRS?
Replies: 2
Views: 195

Which currency conversion to use for IRS?

If I have forex related activity that I need to convert into dollars for IRS reporting at tax time... what have BH folks used and why? 1. US Treasury Bureau of Fiscal Service: from what I see they have "current" rates each quarter and historical rates 2. Federal Reserve Board: from what I see, count...
by tenkuky
Sun Aug 26, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Child-related tax breaks in higher tax brackets
Replies: 5
Views: 775

Re: Child-related tax breaks in higher tax brackets

Assume an income in the 32%+ tax brackets and one child. It appears to me that putting aside $5k pretax into a dependent care FSA is pretty much the only thing that changes taxwise. The dependent care tax credit seems to be less valuable than the dependent care FSA. Am I missing anything? The depen...
by tenkuky
Sat Aug 25, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 82
Views: 9314

Re: Call the Top!

Nisi Porter
Uncle Cole would be proud :beer
by tenkuky
Fri Aug 24, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Mileage efficiency dropping after new tires- Subi
Replies: 7
Views: 531

Re: Mileage efficiency dropping after new tires- Subi

Thank you, all!
I now know I wasn't imagining things, and will go back to ignoring the dashboard numbers and just think of investments again :mrgreen:
by tenkuky
Fri Aug 24, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Mileage efficiency dropping after new tires- Subi
Replies: 7
Views: 531

Re: Mileage efficiency dropping after new tires- Subi

Definitely not under inflated as it has TPMS and would have gone off.
If anything I have a "firmer ride".
by tenkuky
Fri Aug 24, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance my 401K or leave it as it is?
Replies: 7
Views: 682

Re: Rebalance my 401K or leave it as it is?

Just go with what gostars recommends or slight variation:
60-65% VTSAX, 20-25% VTIAX, and 15% VBTLX

Don't worry about "bonds not doing well" etc.
You are in it for the long haul.
No point in Target Date as more expensive than the combination above (averages 0.05)
by tenkuky
Fri Aug 24, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Mileage efficiency dropping after new tires- Subi
Replies: 7
Views: 531

Mileage efficiency dropping after new tires- Subi

Subaru Legacy owner. After 65K miles with tires at 3/32 tread depth, I sprang for new tires. Same as old tires, on deal at Sam's Club, installed. Now a few days in, noticing my mileage average on dashboard and how in terms of mileage to next fill, dropping much faster and so makes me ask... could th...
by tenkuky
Thu Aug 23, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance my 401K or leave it as it is?
Replies: 7
Views: 682

Re: Rebalance my 401K or leave it as it is?

Welcome! First question: what is your desired asset allocation? Stocks: bonds? US: International? Once we know that, we can be more specific. Just off the bat, you have way too much overlap, all of your funds could just be VTSAX for the US stock portion. That leaves figuring out how much you want in...
by tenkuky
Tue Aug 21, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Lively HSA: Which TDA fund to invest in?
Replies: 17
Views: 725

Re: Lively HSA: Which TDA fund to invest in?

I just invested this week in SPAB total amount for the year.
I considering it part of my overall asset allocation and was in need of upping my bond portion.
by tenkuky
Fri Aug 17, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k/403b Funds and Housing Advice
Replies: 8
Views: 489

Re: 401k/403b Funds and Housing Advice

Are you sure about the 5% bond allocation? Seems a little aggressive for me, but whatever works for you is fine. Given that we'd like to retire in 20 years, what would you recommend as an appropriate bond allocation for semi-conservative investors? And thank you for the advice! I've seen other post...
by tenkuky
Fri Aug 17, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on multi-year Backdoor Roth
Replies: 3
Views: 393

Re: Clarification on multi-year Backdoor Roth

I have not done a non-ded contribution since 2016. The $5500 limit on IRA contributions is for all types and all accounts (deductable/non-deductable, tRIA/Roth). So the answers below presume you have made no contribution in 2018 to any IRA. My question is: can I/should I do a double contribution in...
by tenkuky
Fri Aug 17, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k/403b Funds and Housing Advice
Replies: 8
Views: 489

Re: 401k/403b Funds and Housing Advice

Hello all! I've recently joined the forum and am grateful to have found it. There's a wealth of information here and I find myself spending lots of time and getting useful information that I can apply both personally and professionally. Her 403b 36%% in JPMorgan SmartRetirement 2050 / Gross ER .77%...
by tenkuky
Fri Aug 17, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Requesting restitution from airline for delayed recovery baggage
Replies: 16
Views: 1298

Re: Requesting restitution from airline for delayed recovery baggage

OP here again, with a final update.
Relative said that finally the airline sent a check for the inconvenience related to the severely delayed bag.
Matter closed.
by tenkuky
Fri Aug 17, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1660

Re: Poor HSA Investment Options

I like Lively a lot, but a few things for nitpickers to be aware of with them... 1. The chat feature is excellent, but is only available outside of your secure login account environment. I talked to them about this and it's mainly for marketing right now. If you have account specific questions, the...
by tenkuky
Fri Aug 17, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on multi-year Backdoor Roth
Replies: 3
Views: 393

Clarification on multi-year Backdoor Roth

Thanks to the guidance on this board I cleaned up my comingled IRA to complete a Roth conversion and be ready for backdoor Roths going forward. My original plan was to wait till Jan 2019 and do a non-deductible contribution for 2019 and promptly backdoor convert. I have not done a non-ded contributi...
by tenkuky
Thu Aug 16, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1660

Re: Poor HSA Investment Options

I like Lively a lot, but a few things for nitpickers to be aware of with them... 1. The chat feature is excellent, but is only available outside of your secure login account environment. I talked to them about this and it's mainly for marketing right now. If you have account specific questions, they...
by tenkuky
Fri Aug 10, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 60
Views: 6572

Re: The Best HSA

I guess one other caveat I should add is that I will just be doing a single lump sum into the HSA per year. I can afford to pay medical expenses if needed from cash and am self employed so matching and whatnot goes out the window. HSA is purely a retirement tax shelter in my mind. At this point sti...
by tenkuky
Fri Aug 10, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Does it matter which mutual fund goes into my Roth IRA vs. Traditional IRA?
Replies: 8
Views: 432

Re: Does it matter which mutual fund goes into my Roth IRA vs. Traditional IRA?

Real answer: See above. Short answer: It doesn't matter, as the real difference in percentage of spendable after tax income is likely to be after the decimal point, not before it. Ralph +1 And I don't have the knowledge or energy to do what livesoft suggests. In fact, before this thread, I didn't e...
by tenkuky
Fri Aug 10, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Untangling a Trad IRA
Replies: 9
Views: 816

Re: Untangling a Trad IRA

I would do the rollover first and leave a little more that 5500 in the tIRA to do the conversion. Your taxable amount will be negligible and ensure a zero balance in the tIRA by year end. If you are selling all holdings and keeping in cash, shouldn't have wild swings in amount to convert. Would only...
by tenkuky
Thu Aug 09, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1660

Re: Poor HSA Investment Options

Just transfer for investment account to Lively or another custodian of your choice. + 1 for Lively. Just make sure your vendor does not charge a "transfer" fee or something like that (I've been dealing with HealthEquity and it's ugly). Also, if you are transferring out, do you plan to do it once a ...
by tenkuky
Thu Aug 09, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Roll a govt 457b into 403b or not?
Replies: 7
Views: 424

Re: Roll a govt 457b into 403b or not?

Thank you all!
Lots to ponder, but I agree that the fee is low considering the balance, and I have no immediate need for the money.
So will let it ride.
Again, BH guides me through indecision!
by tenkuky
Thu Aug 09, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Sought
Replies: 11
Views: 1017

Re: Investment Advice Sought

Hello Tenkuky, Thanks for you reply. In regards to ETFs, I read Bernstein's article on them as well as his book. http://www.efficientfrontier.com/ef/901/shootout.htm I have opted to stick with indexed mutual funds for the time being until I do more research on ETFs. My balance in the around 40k. I ...
by tenkuky
Wed Aug 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2480

Re: Insurance refusing to pay for car accident

TBH, sounds suspicious to say "driving", sounds more like off-roading and I am not sure insurance would cover someone getting into an accident while off-roading. Is any driving on a non-paved surface considered off-roading? What about a driveway/road that is not paved, as some are in rural areas? S...
by tenkuky
Wed Aug 08, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth Thread
Replies: 5
Views: 439

Re: Another Backdoor Roth Thread

Thanks for the explanation, spiritrider.
I would have been one of the many with messed up pro-rata conversion if not for this board! :beer
by tenkuky
Wed Aug 08, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Sought
Replies: 11
Views: 1017

Re: Investment Advice Sought

Welcome! What's wrong with ETFs? I use (and have used) them extensively and Schwab has a nice selection for what you need. I actually have all those you mentioned in my Schwab account. The expenses are way low, and the bid-ask spread not bad as long as you buy in the market hours and use limit prici...
by tenkuky
Wed Aug 08, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth Thread
Replies: 5
Views: 439

Re: Another Backdoor Roth Thread

I've tried to read up on all the tax consequences of a backdoor Roth, and I just want to make sure that I'm thinking about things correctly. In 2014 and 2015 I was over the Roth Income limits, and contributed post-tax money to a traditional IRA. (During those years I did not have access to a 401(k)...
by tenkuky
Wed Aug 08, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 13
Views: 1221

Re: HSA Rollover

Thanks guys. I would be interested in hearing about how the rollover goes. I'm waiting for the 8 am PST open time to give them a call. 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 (anno...