Search found 93 matches

by fm3040
Wed Jan 29, 2020 11:43 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 23296

Re: Sad news: LadyGeek's husband has passed

Thanks for sharing. Sorry for your loss.
by fm3040
Sat Jan 25, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R Question - Conversion within employer 401K plan
Replies: 6
Views: 345

Re: 1099-R Question - Conversion within employer 401K plan

- No, this money did not roll over to a designated Roth 401K account - No, I did not make after-tax contributions to 401K. If I pick the two choices above there is no tax exposure which does not make sense if I moved into a Roth IRA instead of 401K Roth. Either way my pre-tax 401K that is getting co...
by fm3040
Fri Jan 24, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R Question - Conversion within employer 401K plan
Replies: 6
Views: 345

Re: 1099-R Question - Conversion within employer 401K plan

If Box 2a shows taxable amount greater than zero, why should be even given options to chose a No? What else can you do with it?
by fm3040
Fri Jan 24, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R Question - Conversion within employer 401K plan
Replies: 6
Views: 345

1099-R Question - Conversion within employer 401K plan

I converted some pre-tax and some after-tax amounts into my Roth 401K plan at work. Form 1099-R: https://www.drs.wa.gov/publications/retiree/1099sample.pdf My understanding is 1) Box 2a Taxable Amount is my pre-tax 401K contribution being converted to Roth 401K 2) Box 5 is my after-tax 401K contribu...
by fm3040
Thu Jan 16, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Leave my beneficiary 100/75/50/25 or 0% of my pension?
Replies: 57
Views: 3416

Re: Leave my beneficiary 100/75/50/25 or 0% of my pension?

If you can make do with $68K for the next 7 years until your wife retires (she starts ~$60K pension then), it is a good idea to opt for 100/100 and draw your social security at 70.
by fm3040
Mon Dec 30, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Airport Logistics
Replies: 10
Views: 675

Re: Fort Lauderdale Airport Logistics

Sharing my experience from last week: The shuttle takes you from the Spirit terminal(4) to the stop for rental cars. The stop is Stop number 5. You can walk in to the rental car counters for Hertz, etc. If you rent from Economy rent-a-car you have to walk a few steps from Stop Number 5 to Stop Numbe...
by fm3040
Wed Nov 13, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if you go over 529 max?
Replies: 4
Views: 334

Re: What happens if you go over 529 max?

Simply opening an account with your spouse as the owner should be a workaround, right?
by fm3040
Tue Nov 12, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Settings in brokerage accounts
Replies: 13
Views: 856

Beneficiary Settings in brokerage accounts

It took me less than 10 minutes yesterday to change the primary and secondary beneficiaries on five of my Fidelity accounts. I received an email from Fidelity in the early hours today which I could have easily ignored. My concern is that when I am gone, it is quite possible that someone could easily...
by fm3040
Sat Nov 02, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 1990

Workplace PIP - Next Steps?

A friend of mine is in a well-paid position as a Vice President at a large company. There were changes at the senior-leadership level and the leadership decided to put her on a PIP. She was never appraised of the situation and there were no warnings. One day, she was called into the office of a C le...
by fm3040
Mon Sep 16, 2019 2:42 pm
Forum: Non-US Investing
Topic: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]
Replies: 43
Views: 4504

Re: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]

How about just buying Berkshire Hathaway ? No tax exposure and a conglomerate that gives you some diversification
by fm3040
Mon Sep 16, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting 60k to someone
Replies: 41
Views: 6538

Re: Gifting 60k to someone

1) If A gifts $14K each to multiple relatives and friends in a year, A does not have to file any form with IRS. Is this correct? 2) If A gifts $20K in a particular year to a non-US citizen that lives outside the US (and has never lived in the US and does not ever want to move to the US), does A have...
by fm3040
Mon Sep 09, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 4053

Re: Lending to friend to India

You can set up an account with money2india.com and use their services to transfer the money to a bank account in India. I would loan up to an amount that you can easily write off. Say, you send 10K to your friend and if he/she does not return it, no big deal. I have heard a few stories of good frien...
by fm3040
Wed Jul 31, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money from a 529
Replies: 45
Views: 3542

Re: Getting money from a 529

What if your child stays at home while attending college. Can you withdraw max allowable accommodation charges ?
by fm3040
Thu Jul 18, 2019 3:18 pm
Forum: Personal Investments
Topic: Trust with step-up cost basis
Replies: 2
Views: 436

Trust with step-up cost basis

Is it possible to set up a trust with a step-up cost basis for your heirs? Ideally, 1) I set up a trust and fund it periodically ($10 K to $15K per year) 2) My spouse is the beneficiary of the trust 3) After both of us pass on, our kids gets a step-up cost basis Is this possible? What would be the t...
by fm3040
Sat Jun 22, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Paris hotel recommendations for young family
Replies: 13
Views: 1192

Re: Paris hotel recommendations for young family

Fraser suites Esplanade de La Defense
  • Conveniently located near the metro with direct connection to Champs Elysees.
    Free Breakfast (if you get the rate with the breakfast) - Great spread
    Texas size rooms with a kitchen
    No riff-raff
by fm3040
Tue May 28, 2019 8:35 am
Forum: Forum Issues and Administration
Topic: Question about Site Search on Bogleheads
Replies: 7
Views: 1223

Re: Question about Site Search on Bogleheads

Thanks. The filter in Google Advanced Search works - it returns the desired results from the bogleheads site.
by fm3040
Tue May 28, 2019 8:26 am
Forum: Forum Issues and Administration
Topic: Question about Site Search on Bogleheads
Replies: 7
Views: 1223

Question about Site Search on Bogleheads

I saw an interesting post on SWR last week but I cannot find it now. The site search (using Google) shows posts that are older. How long does it take for Google to index the articles on Bogleheads so they are readily available in the results when we do a search? Is there a way to look at all posts w...
by fm3040
Thu Apr 18, 2019 2:23 pm
Forum: Personal Investments
Topic: Passing $$$ to your kids - Options?
Replies: 4
Views: 1092

Passing $$$ to your kids - Options?

For what?: - They can draw a small part of it for expenses if there is a catastrophic event in the family and the kid needs a few thousand dollars for tuition and living expenses until the parents' life insurance payments are made. An alternative would be to have a 15K emergency fund set aside in a...
by fm3040
Tue Apr 16, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3631

Re: Trip to Central Asia. Do you need a CC?

Make sure that you call the credit card company in advance and let them know about the travel destinations and dates. This will ensure that the credit card does not get blocked for suspected fraudulent activity.
by fm3040
Tue Apr 09, 2019 11:48 am
Forum: Personal Investments
Topic: 529 Plan - Withdrawal related questions
Replies: 17
Views: 1155

529 Plan - Withdrawal related questions

Scenario: You invested $60K with your kid as the beneficiaary, and the account is at $100K at the time your kid enters college. 1) Can you withdraw the principal of $60K without any penalty or tax exposure? 2) If principal is withdrawn, when can it be first withdrawn without penalty? How is it kept ...
by fm3040
Wed Jan 09, 2019 6:52 pm
Forum: Personal Investments
Topic: Advice needed for a young person
Replies: 7
Views: 480

Advice needed for a young person

A friend's young son thinks that he can make a lot of money by trading stocks. What would be a good eye opener for him?
Need a recommendation of books that can drive home the point to a young person that indexing is the way to go.
by fm3040
Wed Jan 09, 2019 6:44 pm
Forum: Personal Investments
Topic: Advice needed for a young person
Replies: 6
Views: 468

Advice needed for a young person

A friend's young son thinks that he can make a lot of money by trading stocks. What would be a good eye opener for him?
Need a recommendation of books that can drive home the point to a young person that indexing is the way to go.
by fm3040
Sat Sep 01, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Charges are piling up from other healthcare providers as well plus a surgery in the offing. Pay up by the end of the year. Charge to credit cards and get some miles out of them.
by fm3040
Mon Aug 27, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Small and Midcap Value, Small Value Intl - Non-Vanguard ETFs from Vanguard
Replies: 5
Views: 942

Re: Small and Midcap Value, Small Value Intl - Non-Vanguard ETFs from Vanguard

All these will be in taxable accounts.

Theoretical,
Tax efficiency considerations for your suggestions above?
by fm3040
Mon Aug 27, 2018 11:03 pm
Forum: Non-US Investing
Topic: Retiring to USA from Australia
Replies: 22
Views: 1614

Re: Retiring to USA from Australia

The could invest $500K in a venture that creates the required number of jobs so they qualify for an investment visa which will get them their green card quick. You can talk to an immigration attorney about this.
by fm3040
Mon Aug 27, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Insurance - Cigna Open Insurance - HSA 2K in-network deductible and 6K out-of-network
by fm3040
Mon Aug 27, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Small and Midcap Value, Small Value Intl - Non-Vanguard ETFs from Vanguard
Replies: 5
Views: 942

Small and Midcap Value, Small Value Intl - Non-Vanguard ETFs from Vanguard

I have been buying the below ETFs over the years for small and mid-cap value, international small and a little bit of emerging markets exposure. Now that Vanguard offers non-Vanguard ETFs commission-free, please suggest what you think are better alternative ETFs for these asset classes. VOE VANGUARD...
by fm3040
Sun Aug 26, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Online purchase of Honda (Clarity Plug-In Hybrid) - No-nonsense pricing
Replies: 2
Views: 533

Online purchase of Honda (Clarity Plug-In Hybrid) - No-nonsense pricing

Any suggestions for car dealers that offer no-nonsense online pricing for a Honda Clarity plug-in hybrid?

I remember seeing suggestions for Subaru in this forum. Heuberger Subaru (Colorado) was recommended and they had much better pricing than our local Subaru dealers.
by fm3040
Mon Aug 20, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

I know I will pay my bills as I always have. I was just upset that Billing Services was not willing to work with me on reducing what seemed like and likely are exorbitant charges. When I asked about monthly payments, she did not offer me anything more than 6 equal payments. As they will not report i...
by fm3040
Mon Aug 20, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Nisiprius,

I looked at the link you posted and Texas has "Insurer hold harmless requirement". What would be my next step here?

Insurer hold harmless requirement A requirement that insurers pay providers their billed charges or some lower amount that is acceptable to the provider.
by fm3040
Mon Aug 20, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Can you keep them from sending to collections if you set up an auto-pay from your bank for $5 a month?
by fm3040
Mon Aug 20, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Yes, the numbers match up with the EOB document from the insurance company.
by fm3040
Mon Aug 20, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Re: Excessive Emergency Room Charges - Options?

Much much less. An ultrasound should not cost more than $200.
by fm3040
Mon Aug 20, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13632

Excessive Emergency Room Charges - Options?

I went to an ER facility at a local hospital last month and they sent me a bill to pay $900+ in addition to my co-pay of $300 that I paid during the visit(all this for an ultrasound ($900+ for ultrasound alone), X-ray and an NSAID tablet after my insurance company paid them around $588) I called the...
by fm3040
Wed Aug 01, 2018 11:45 am
Forum: Personal Investments
Topic: Roth 401K vs Pre-Tax 401K - Advice for a 53 year old
Replies: 7
Views: 691

Roth 401K vs Pre-Tax 401K - Advice for a 53 year old

A friend of mine is 53 years old and is in the 28% tax bracket. She contributes $18,500 in pre-tax along with a catch-up in pre-tax of $6000 this year. She does not plan on withdrawing her current retirement contributions before RMDs kick in (at which time she expects household income including RMDs...
by fm3040
Mon Jul 30, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8521

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Your payment would be about
$2,978 a month
at full retirement age


At full retirement age, will I get $2,978 in today's dollars or is it the actual amount($2978) that I can bank on 14 years from now given continuous employment until then, etc?
by fm3040
Fri Jan 26, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Rhino Retirement Analyzer
Replies: 4
Views: 973

Re: Rhino Retirement Analyzer

bump...
by fm3040
Fri Jan 26, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Rhino Retirement Analyzer
Replies: 4
Views: 973

Rhino Retirement Analyzer

Rhino Retirement Analyzer This is a retirement analyzer which is unlike some of the others that I have played with. You input information such as age and gender for you and your spouse, your assets (taxable, IRA, Roth IRA, etc), your income and when you wish to retire and forecast any additional ex...
by fm3040
Sat Jan 06, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 20253

Re: What non fiction book will you be reading in 2018?

Upstream: Searching for Wild Salmon, from River to Table
by fm3040
Sat Jan 06, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 20253

Re: What non fiction book will you be reading in 2018?

pezblanco wrote: ↑Wed Dec 27, 2017 9:25 pm
cheese_breath wrote: ↑Wed Dec 27, 2017 7:20 pm
The Bible.
You might try "Letter To A Christian Nation" by Sam Harris ... you might think of it as an intelligent commentary on your own particular non-fictional choice. :D
+1

+1
by fm3040
Sun Dec 03, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Suggested reading for Norwegian coast trip
Replies: 18
Views: 1467

Re: Suggested reading for Norwegian coast trip

The Almost Nearly Perfect People, Behind the Myth of the Scandinavian Utopia
by Michael Booth
by fm3040
Sun Oct 29, 2017 8:52 am
Forum: Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 25113

Re: Early-retired 35 year old with $1 million

No, you do not have enough given the long time horizon, family, kids, healthcare needs, etc. I would say, go back to a high paying job for another ten years and keep saving aggressively. You will have contributed at the max level (with a high paying job) towards social security during the next ten y...
by fm3040
Fri Oct 27, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 11233

Re: Can I retire today?

Seems like you can retire now if you want to. But you may have other options. Burn some PTO. Slow walk it a while. If you are valued there outside of your boss perhaps you can explain your situation to someone is more appreciative. The main thing is do what is best for you long term. Don’t get caug...
by fm3040
Fri Sep 29, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 9060

Re: I am in the investment advice industry and I'm not sure if I provide any value

Yes, the information is there for anyone that can look. However, what I see most people lack is discipline. That is where advisors like you come in.
by fm3040
Mon May 29, 2017 3:25 pm
Forum: Personal Investments
Topic: help me decide of I should use this wealth manager
Replies: 17
Views: 2760

Re: help me decide of I should use this wealth manager

If you wish to entertain the possibility of bragging to your fellow physicians at cocktail parties about your wealth manager and the outlandish returns he got for you in any particular time period, go for it. Else, run!
by fm3040
Mon May 29, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Please poke holes in my tax strategy
Replies: 38
Views: 8018

Re: Please poke holes in my tax strategy

Sounds like what we do except for a couple of minor points: 1. We don't keep $4K in checking and 2. Our tax-advantaged accounts are not 100% fixed income, but have plenty of equities, too. Next week, I will have to sell some equities in my taxable account to pay a credit card bill. I just invested ...