Search found 881 matches

by dbltrbl
Fri May 25, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Health Care ETF (VHT)
Replies: 7
Views: 702

Re: Health Care ETF (VHT)

VHT is not a tax efficient vehicle. It has been a fine fund for me both in taxable and ROTH accounts but every year good amount of distributions in March and December. As others have said it is not diversified. Between the two, keep in IRA, 401 K or Roth accounts.
by dbltrbl
Wed May 23, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Can I max out TSP and do a traditional IRA?
Replies: 9
Views: 1077

Re: Can I max out TSP and do a traditional IRA?

Yes. You can do traditional IRA for you and your spouse if combined income is as stated by you.
by dbltrbl
Wed May 23, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Difference between 1099R and Form 5498
Replies: 2
Views: 582

Re: Difference between 1099R and Form 5498

5498 is for information only for you and IRS. It represents total value of your IRA, ROTH etc. as of previous December 31st. 1099-R represents only the year for which filing taxes.
by dbltrbl
Sat May 12, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: None Citizen Step Siblings
Replies: 3
Views: 633

Re: None Citizen Step Siblings

No. They can not. But you can save and gift it to them.
by dbltrbl
Sat May 12, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 319
Views: 26521

Re: Lucrative careers?

President of USA :D :D :D :D failing that a Senator 8-) 8-) 8-) 8-)
by dbltrbl
Sat May 05, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: IRS Filing [Should 1040X be filed?]
Replies: 7
Views: 973

Re: IRS Filing

I would just file 1040x now. Explain and be done. If you wait for them interest will continue to accrue. If you used software, i would include a copy of updated 1040 just for their info.
by dbltrbl
Sun Apr 15, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2175

Re: Having Child; Car Purchase maybe?

no need for a new car. Switch cars if needed. Long distance and you do not travel light, just rent a car for that time. As long as old car running fine sit tight.
by dbltrbl
Mon Apr 09, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 3063

Re: Best place to buy a TV

Specific Model number will be different at COSTCO. Look at your details from Samsung or LG or whatever model you have in mind. Than look at Costco with details not model number. You will likely pay sales tax . With ABT no sales tax.
by dbltrbl
Wed Feb 28, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4958

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Hmmmmm. Did not realize Motorola is a Chinese company. I was under impression Google owns it.
by dbltrbl
Sat Feb 10, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3682

Re: Good Hotel in DC

Any price? Trump hotel, new and nice. :D :) :sharebeer
by dbltrbl
Wed Jan 31, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3954

Re: How to ship two big tubs of butter internationally?

Just ship it overnight. hope your uncle remembers you at his will time. :D :D :D
by dbltrbl
Fri Jan 26, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2896

Re: Are 100-year old homes junk?

You answered your question. Location, Location and Location. :D :D :D
by dbltrbl
Fri Jan 26, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 28
Views: 2177

Re: Tax Software Recommendations

Why not give a chance to new comers. Freetax or Credit karma. I have used Tax Act and free tax. With both of them I had some issues at state level. No issues whatsoever with Federal forms. TT I will not use for ethical reasons.
by dbltrbl
Mon Jan 22, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 36
Views: 3089

Re: Swing Shift vs 8-5

What are the chances you can request back 8-5 if needed. My brother has quit jobs on 8-5 so he can work second shift. You need to be happy. As for other stuff like noise and so, most times your body tunes it out.
by dbltrbl
Mon Jan 22, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Any good blog for kids who want to pursue medicine ?
Replies: 10
Views: 912

Re: Any good blog for kids who want to pursue medicine ?

In general I would agree with OP about exposure to other fields. However, if you are looking at direct programs, whether 6, 7 or even 8 years you should start looking at it now. My info is old ( 2000 HS Graduate) but when our son wanted direct programs, I had no clue as to which schools other than o...
by dbltrbl
Tue Nov 21, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3290

Re: where should I put my direct deposit?

if your employer allows, I put majority in bank/Credit union checking account and say 100.00 per month in Vanguard MM account. After 2 or 3 months if you have too much in checking account put 150-200 in Vanguard MM and less in checking account until you figure out optimum division.
by dbltrbl
Fri Nov 17, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3926

Re: Electric Car (Nissan Leaf) for a teen driver?

For the kind of driving you are talking, Leaf would be just fine. If she was driving on highway, I would be concerned not on city streets.
by dbltrbl
Thu Nov 16, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 6616

Re: Where did you first learn about investing?

For the first time used to hear Don MacDonald ( May be different last name) on Business radio network. He mentioned Vanguard group and few others. So I started in 1989-90 putting 37 dollars a month in health care. Biggest lucky break for me. Starting 1994 S & P 500 and than switched over to total st...
by dbltrbl
Thu Nov 16, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed out Inherited IRA used to justify IRA contribution?
Replies: 20
Views: 1428

Re: Cashed out Inherited IRA used to justify IRA contribution?

He can put upto 18000 in 401k, 403b etc and if the income below limit he can contribute to an IRA as well. In the scenario you described, yes s/he can contribute remainder of 10000 earned income to a traditional or Roth IRA.
by dbltrbl
Thu Nov 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 2089

Re: Christmas Vacation on a budget

Look for them in January. :D :D
by dbltrbl
Wed Nov 15, 2017 5:02 am
Forum: Personal Finance (Not Investing)
Topic: What's the point of auto loan pre-approvals?
Replies: 12
Views: 1392

Re: What's the point of auto loan pre-approvals?

Join Pentagon Federal CU and know loan rates up front for a new or used Car. Some times you get a zero or very low rates from the manufacturer as well.
by dbltrbl
Sun Nov 12, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How to make the most of remitting a large sum in foreign currency?
Replies: 5
Views: 577

Re: How to make the most of remitting a large sum in foreign currency?

Also call, find out http://www.jackfilled.com/index.html. They are out of Canada but specialized in INR transactions. No harm in getting your exchange rate.
by dbltrbl
Sat Nov 11, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: First 401(k)! Need help with fund choices.
Replies: 5
Views: 777

Re: First 401(k)! Need help with fund choices.

With no match, Put money in ROTH IRA and attack 173k of Debt. Get it out of way. If match than put up to maximum match.
by dbltrbl
Fri Nov 10, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 8523

Re: Costco for tires and car insurance?

Costco fine for tires but not for insurance. Ameriprise in my area not even in ball park figure. If Costco too far or always busy for tire servicing, discount tires are fine too. ( Tire Discounters)
by dbltrbl
Thu Nov 09, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: IRA for children?
Replies: 3
Views: 351

Re: IRA for children?

Only if your child has legally earned income.
by dbltrbl
Thu Nov 09, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 2192

Re: How can I get my kids into Vanguard Primecap

Just gift them 50-100 shares. Than they can buy up to 25000 dollars per year. As OP suggested call Vanguard or your representative.
by dbltrbl
Tue Nov 07, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31279

Re: How old are you and how much do you save for retirement a year

do the best you can. I had ZERO savings at 34. STAY FRUGAL AND NO TRADING OF FUNDS. You will be fine. More you can save now, better in long run.
by dbltrbl
Tue Nov 07, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 6525

Re: Eye Doctor $30 to get your Rx? Is this normal?

Most ophthalmologists charge for refraction extra 30-50 dollars. My insurance covers it but my Dr.'s office charges me and reimburses after my insurance pays for it.I think charge was for refraction not writing a sheet of paper.
by dbltrbl
Sun Nov 05, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 1046

Re: Admiral vs Institutional Plus shares

Leave it at old 401K, as they typically have lower expense ratios than admiral shares. If you are also being charged new 5 dollars a month tax(fees) by Vanguard in that account you may move it to an IRA, admiral shares. Rep was correct it is not a big deal one way or other.
by dbltrbl
Sat Nov 04, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Transferring between terminals at Boston Logan Airport
Replies: 5
Views: 1371

Re: Transferring between terminals at Boston Logan Airport

If she is on one ticket all the way to international destination, no need for her to get the luggage. Just her carry on and purse.
by dbltrbl
Sat Nov 04, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1985

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

Just call up her undergraduate school, if they have MD-PHD and speak to some one higher up in payroll. That is most reliable. Alternatively, wait till she chooses a school than call them. Universities codes will decide scholarship, wages or some combination.
by dbltrbl
Fri Nov 03, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1609

Re: Should I keep the Condo or rent to Canadians?

put an ad in Toronto newspapers for week or two and you should be fine. You can check credit bureaus when you make the decision.
by dbltrbl
Thu Nov 02, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 5778

Re: Considering a LG 55" OLED TV

Keep in mind if you have CITI Costco card your warranty jumps to 4 years at no cost to you. Can not go wrong. Think twice about Best Buy, restocking fees and charge for warranties.
by dbltrbl
Wed Nov 01, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 23
Views: 4116

Re: Limit Owner Use of Rental Home to Two Weeks?

I think you are confusing the rule. If you rent it out for more than two weeks a year and it is a rental property and you must declare income to IRS. If you rent out less than 2 weeks, no IRS consequences. In your case you can stay 3 or 4 weeks and than income shown will be lower.
by dbltrbl
Sun Oct 29, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2744

Re: VG free turbo tax?

No FREE TT at Fido for me either in 2016.
by dbltrbl
Sat Oct 28, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 4818

Re: European Tours

There are variety of options. I will try to tell positives and negatives. Plus side, you do not deal with hotel reservations in different cities, no worry about language or transportation. In our case even the meals at decent places were included except 2 meals. On the flip side, you do spend good t...
by dbltrbl
Sat Oct 28, 2017 4:45 am
Forum: Personal Finance (Not Investing)
Topic: 401k catch up $ ?
Replies: 12
Views: 2124

Re: 401k catch up $ ?

If you need the money now, than do not put it in 401k. My suggestion is put in whatever extra you can, 2-4k (18k+) as it will compound for about 20 years before your RMD and you get tax deduction right now.
by dbltrbl
Wed Oct 25, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Air China out of Dulles-- your experience?
Replies: 5
Views: 652

Re: Air China out of Dulles-- your experience?

Much better service than United.
by dbltrbl
Sat Oct 21, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 6444

Re: Paying for medical school for son?

Our son went to an out of state medical school. We took maximum amount of Stafford loans available , interest free till 6 months after graduation. You cam always pay it off as soon as your son starts residency. This gives you more flexibility with your money. Feeling to quit medical school is real a...
by dbltrbl
Thu Oct 19, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service vs All State car buying services???
Replies: 12
Views: 1926

Re: Costco auto buying service vs All State car buying services???

Use Costco or true Car as the starting point and go down 1000-5000 $s depending on the car price. Lower number for smaller less expensive cars, higher for Cars around 40000 and up. Settle for about 70 -80% of what you ask for in additional savings. For 2018 Models not 17.
by dbltrbl
Tue Oct 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 1101

Re: Organized European Tours for Students

I would not send her. Price is way high. It is more like a military operation breakfast at 7 am and not in hotel most nights after 9 PM. We paid 2300 per person for a 14 day trip (Adults) and 3 meals (only 2 as breakfast at hotel) plus Airfare. We are both vegetarians but we required tour operators ...
by dbltrbl
Fri Oct 13, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question
Replies: 14
Views: 944

Re: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question

Check with your current bank, holding mortgage. Terms will not be same if you convert it to a rental. Investment properties are treated differently. As to your question about paying off, I would pay off the current home (your future rental). This way you are dealing with less paperwork with a financ...
by dbltrbl
Sun Oct 08, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2800

Re: Change for a $20 requires ID!!

It was their way of saying get lost. If they give you easily, next time you go in again and you are not their customer. This way they keep you out without kicking you out. :D
by dbltrbl
Tue Oct 03, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: FAFSA question; Fidelity 0.5% pension mgmt fee
Replies: 6
Views: 874

Re: FAFSA question; Fidelity 0.5% pension mgmt fee

Put the money in 4 in one index at fidelity and your friend can relax.
by dbltrbl
Mon Oct 02, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Recharacterization [theory] ?
Replies: 34
Views: 2493

Re: Roth Conversion and Recharacterization ?

in your case, single account conversion is OK. You can re characterize part or all of it if needed.
by dbltrbl
Sat Sep 30, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1827

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

+1, RUN AS FAST As U CAN. pay the exit fee if in contract but get the hell out than enjoy the beer. :sharebeer
by dbltrbl
Sat Sep 30, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4850

Re: I bought a car without thinking too much about value

Enjoy. We bought our Prius at full list in 2006. 11 years later it is still running great. Only routine maintenance.
by dbltrbl
Sat Sep 30, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Better chance to be accepted to state medical school if also attend undergraduate in the state?
Replies: 18
Views: 1809

Re: Better chance to be accepted to state medical school if also attend undergraduate in the state?

Nope. Cousin's 2 kids went to Duke for Undergraduate degree. Both returned to Ky for medical school without any issues. More important interviews and MCAT.
by dbltrbl
Mon Sep 25, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 2106

Re: What phone carrier?

If you use mostly around town, Republic Wireless, 20-25 per month. you can even use your current phone as you are transferring.