Search found 96 matches

by ciscovp
Sat Apr 06, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Any tips for getting status back with American?
Replies: 17
Views: 1926

Re: Any tips for getting status back with American?

I got Lifetime Gold status when I achieve Executive Platinum in 2002. So you still have status however not sure if you will be able to use your 500 mile upgrades.
by ciscovp
Fri Jan 04, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 28
Views: 3687

Re: Maryland 529 College Investment Plans

I'm a Maryland resident and have one account per child for our three children. I contribute $5,000 per child ($2,500 per parent). I don't do anything special to mark the contribution's owner, though. I claim the full amount on our taxes (Married filing jointly). If we get audited, I would think it ...
by ciscovp
Tue Jan 01, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9949

Re: Are we officially in bear market ?

Really? The headlines are interesting. The facts are more interesting. Right now there are less than 5% of federal workers not working. Many of them are seasonal, part time, and/or vacant positions. That’s like an average week where people took vacation. The Washington Post's White House Bureau Chi...
by ciscovp
Tue Dec 25, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9949

Re: Are we officially in bear market ?

Possibly this can't be answered given the forum rules, but I wonder how much the chaos in Washington about financial matters is the cause of investor anxiety? Also, separately, recently someone started a thread wondering why so few new CDs were available at Vanguard, and people including myself sai...
by ciscovp
Thu Dec 20, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff planning
Replies: 11
Views: 1928

Re: Layoff planning

You have a lot of debt. I will work on reducing the debt,

How are your monthly expenses? Are they high?

There are no guarantees that he will get a job with same salary. So build up the emergency fund. Do you work?
by ciscovp
Thu Dec 20, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1844190

Re: U.S. stocks in free fall

Big drop today as it seems we are now heading to a government shutdown.
by ciscovp
Sun Dec 16, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14668

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

Why are we dealing with hypotheticals??? I thought that it is not allowed on this board. [OT comment removed by admin LadyGeek] The law still stands so there is no change. I am not sure why we are even discussing what ifs. We don't do this for pending tax legislation. Only if the law is struck down ...
by ciscovp
Fri Dec 14, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2997

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by ciscovp
Tue Jan 30, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting an offer from an employer who said previously no!
Replies: 30
Views: 3910

Re: Accepting an offer from an employer who said previously no!

Since the interview was last May, I think the following happened: They hired someone else for the position That person did not work out/not great fit (either the person quit or fired) Instead of going through resumes/candidates, etc., they decided to ask if your wife is interested It happens a lot. ...
by ciscovp
Tue Jan 30, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1844190

Re: U.S. stocks in freefall

willthrill81 wrote:
Tue Jan 30, 2018 12:27 pm
Any clue on why this move is occurring? I can't see any significant news indicating why.
SOTU
by ciscovp
Sat Dec 23, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is Software consulting considered a services business?
Replies: 13
Views: 2285

Re: Is Software consulting considered a services business?

We are going to the real estate business. Flip homes and claim the pass through.
by ciscovp
Wed Nov 09, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help in deciding between two Job offers
Replies: 13
Views: 1662

Re: Help in deciding between two Job offers

What are the size of the companies? Large or medium or small? Fortune 500?

How many employees?
by ciscovp
Sat Jun 25, 2016 12:14 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 14276

Re: BREXIT - Whats the big deal?

Also, what will happen to British citizens leaving in other countries in the EU (especially UK retirees in Spain)?

Will they lose their healthcare provided by being part of the EU? Now will they need a visa to stay in other countries?
by ciscovp
Wed Dec 23, 2015 1:11 pm
Forum: Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 46
Views: 12408

Re: Upgrade to Brokerage Account with Vanguard

How does the brokerage account upgrade affect the accounts in quicken? Do you have to create new accounts in quicken? Are all accounts merged into one account in the brokerage account?
by ciscovp
Sat Nov 07, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: WSJ Online Subscription
Replies: 16
Views: 2508

Re: WSJ Online Subscription

I read WSJ for free using my iPhone. There is a new News app where you can select news items and news agencies.
by ciscovp
Tue Sep 22, 2015 10:32 am
Forum: Personal Investments
Topic: AT&T Offering to buy out a small pension. Bad idea?
Replies: 16
Views: 3904

Re: AT&T Offering to buy out a small pension. Bad idea?

Is the pension indexed to inflation?

What is your overall net worth?

Depending on your net worth, $1748/year ($146/month) might have no impact. So it might be better to take the offer and roll it over to an IRA.
by ciscovp
Tue Aug 25, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: Barcode generator
Replies: 7
Views: 1273

Barcode generator

I am looking for a barcode generator software that i can use to inventory about 300 different servers. I want something that can easily and quickly generate barcodes for all the devices. That is, I specify that i need 350 distinct barcode and the software quickly generates the barcodes. The ones i h...
by ciscovp
Tue Jul 28, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 5286

Re: Can I reject a medical exam during insurance application without consequences?

David Jay wrote:It sure sounds like you are dancing around a possible health issue that concerns you, but you don't want to have any doctor confirm...
This is my conclusion as well.
by ciscovp
Tue Jul 28, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 5286

Re: Can I reject a medical exam during insurance application without consequences?

Why not get a physical to check your health. Then based on the result of the physical, you apply for insurance.
by ciscovp
Fri Jul 24, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 6195

Re: Apple individual stock, what am I missing here?

The past expectation was already built into the stock price.

The stock price fell on future guidance.
by ciscovp
Thu Jul 16, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 4761

Re: What to do with bill received for prior homeowner

This is simple. Just write " Return to Sender - incorrect address" and drop it in the mail. The sender will try to contact the prior owner using a different approach.
by ciscovp
Thu Jul 16, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: questions about 529 plan - asset allocation
Replies: 22
Views: 2531

Re: questions about 529 plan - asset allocation

Thanks RabbMD and happymob, I will definitely look into a rollover (after the tax season) to a lower cost VG plan. I liked the link you gave RabbMD, the link indeed says, that Maryland does not recapture rollover tax breaks - has anyone actually done this? Is the 12 month rule to avoid recapture ef...
by ciscovp
Thu Jun 25, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 9649

Re: 2014 Lexus ES350

I don't own a Lexus ES 350 but I own a Toyota Avalon which is same engine and same body but about 5k cheaper. The new Avalons and ES 350s are actually a bit sportier with a firmer suspension than the same models of 2012 and before. I would encourage you to test drive both. Does the Avalon use premi...
by ciscovp
Tue Jun 02, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 4298

Re: PayPal Lessons Learned

mptfan wrote:The lesson learned is do not use Paypal.
No, the lesson learned is not to buy products from dubious sellers.
by ciscovp
Mon Jun 01, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Pension or Unfair Lump Sum
Replies: 39
Views: 9336

Re: Pension or Unfair Lump Sum

Aren't you going to owe something like 40-45% in taxes on the lump sum such that you only have $550-600K to invest? Won't you be in a lot lower tax bracket on the pension payouts? If so, this swings the choice more towards monthly payments though I still don't know which is better.. You can roll ov...
by ciscovp
Wed May 20, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 1239

Re: Pension (annuity) vs lump sum decision

My previous company (private company - publicly traded) is offering me the option of lump sum or annuity with an insurance company. The company had previously suspended the pension plan and now is in the process of terminating the plan. Termination is July 1 2015. Hence the options. I am 42 years o...
by ciscovp
Thu May 14, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 1239

Re: Pension (annuity) vs lump sum decision

Seems lump sum is the answer.
by ciscovp
Wed May 13, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 1239

Re: Pension (annuity) vs lump sum decision

Thanks Lee. I have been a practicing Boglehead since 1998 from the Morningstar boards.
by ciscovp
Wed May 13, 2015 11:27 pm
Forum: Personal Investments
Topic: Pension buyout to TIRA or Roth IRA
Replies: 6
Views: 654

Re: Pension buyout to TIRA or Roth IRA

Does your wife have a current 401k? If so, can you rollover the IRA to the 401k?
by ciscovp
Wed May 13, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pension (annuity) vs lump sum decision
Replies: 10
Views: 1239

Pension (annuity) vs lump sum decision

My previous company (private company - publicly traded) is offering me the option of lump sum or annuity with an insurance company. The company had previously suspended the pension plan and now is in the process of terminating the plan. Termination is July 1 2015. Hence the options. I am 42 years ol...
by ciscovp
Fri Nov 07, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Bunk Bed: question and recommendation
Replies: 7
Views: 1278

Bunk Bed: question and recommendation

We are looking at getting a bunk bed for my sons. They are 7 years and 2 years in age. The older son will be on top and younger son at the bottom. My wife prefers twin over full bunk bed. So that if the kids want they can sleep together sometimes in the full bed. However, I prefer a twin over twin w...
by ciscovp
Fri Oct 17, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 3321

Re: Mega bus vacation with toddlers.

Yes. Drive to NYC or even to NJ and catch the train into NYC.
by ciscovp
Fri Sep 26, 2014 6:17 pm
Forum: Personal Consumer Issues
Topic: Which company would you go with? (HVAC contractor)
Replies: 11
Views: 1202

Re: Which company would you go with? (HVAC contractor)

I will go with the person that did the load calculations. I will insist on a manual J. Ask B, if he will do a load calculation.
by ciscovp
Tue Jan 28, 2014 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Family Inheritance / (Family Feud)
Replies: 16
Views: 3828

Re: Family Inheritance / (Family Feud)

Don't focus on the trust. Focus on building your own wealth.
by ciscovp
Sat Jan 11, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 10815

Re: King sized mattress recommendation?

Was in the market for a mattress and the replies here will definitely help.
by ciscovp
Wed Nov 27, 2013 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 3693

Re: Help Pick ObamaCare Plan?

Calm Man wrote:I am assuming that being young and starting a family you have sufficient income that you would not get subsidies. I would therefore stay as far as possible away from the government exchanges and buy on the private market.
Don't understand your logic. The health policies are from private companies.
by ciscovp
Sun Nov 24, 2013 7:31 pm
Forum: Personal Investments
Topic: Never too early?
Replies: 7
Views: 1545

Re: Never too early?

First things First.

Pick a useful major and focus on getting very good grades in college.
by ciscovp
Sun Nov 24, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 13275

Re: Advantages to Dual Citizenship?

I believe getting dual citizenship limits your US job opportunities. I don't believe you can get a position that requires government security clearance.
by ciscovp
Wed Nov 20, 2013 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2765

Re: Security concerns with HealthCare.gov

Purchase needed health insurance or be so afraid of security issues trotted out at a congressional dog and pony show (that probably apply to many commercial websites as well) that one would go without. One a risk analysis basis..... gosh that's a tough one! :mrgreen: One can avoid healthcare.gov by...
by ciscovp
Wed Nov 20, 2013 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you measure up to the super-rich?
Replies: 26
Views: 3548

Re: How do you measure up to the super-rich?

I don't. I will rather the super-rich measure up to me.
by ciscovp
Wed Nov 20, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2765

Re: Security concerns with HealthCare.gov

I will not be worried. It is no less secure than the Medicare website run by the same agency.
by ciscovp
Fri Nov 15, 2013 7:19 am
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 5464

Re: smooth top electric range

This is the reason why gas stoves are preferable.
by ciscovp
Thu Nov 14, 2013 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 12638

Re: My relatives insulted my family for 40 years and think t

greg24 wrote:How obscenely rich are you that second cousins think they are in the will?
True. No one will bother if you were a middle class struggling individual. You must be very, very wealthy for parents to tell their kids to expect something from you.
by ciscovp
Thu Nov 14, 2013 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 12638

Re: My relatives insulted my family for 40 years and think t

clacy wrote:It's weird to me that anyone outside of children and a spouse would feel entitled to a relative's money, but I'm sure it happens all the time.
I guess they expect something since the OP has no children. Not sure if he is married. If he is, then the will can give the wife all the money.
by ciscovp
Mon Nov 11, 2013 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Making an offer on a house
Replies: 16
Views: 1887

Re: Making an offer on a house

Hi Folks, My wife and I made an offer on a house a few weeks back. We didn't get it, but that was mostly because we got outbid for a house we didn't believe was correctly priced. When we made an offer, we filled out a "Contract to Purchase Real Estate #501 (with Contingencies)" form from the Massac...
by ciscovp
Mon Nov 11, 2013 2:49 pm
Forum: Investing - Theory, News & General
Topic: 2013 preliminary capital gains estimates for Vanguard
Replies: 12
Views: 1932

Re: 2013 preliminary capital gains estimates for Vanguard

The list does not show capital gains for stock index funds.
by ciscovp
Sun Nov 03, 2013 1:04 pm
Forum: Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 2634

Re: assuming no financial aid; how much per child in 529?

livesoft wrote:If parents put $140,000 into a 529 plan in a single year, would they miss out on any state income tax breaks for years 2,3,4, and 5?
In my state, any yearly contribution over $5000 can applied for a tax break the next year and year after that until all the contributions are applied.
by ciscovp
Thu Oct 31, 2013 8:18 pm
Forum: Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1748

Re: 401k Overcontribution

I believe you can only add after-tax contributions after you reach the $17500 limit. In your case, you have to wait until 2014. As previously mentioned, rolling over the old 401k has limited your options. I'm confused about this. If I'm allowed to contribute after-tax contributions after the $17,50...