Search found 54 matches

by artibug
Tue Oct 10, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 360

Re: Schwab money market fund for my mom? How safe?

I don’t want to keep tract another account for her and also if my say sibling gets a wind of me moving her money around, she will give us both a very hard time. It’s just silly, I know. (I have Ally for our personal savings. And 1.15% is really a good deal :beer ) I didn’t think about the CD. That’s...
by artibug
Tue Oct 10, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 360

Schwab money market fund for my mom? How safe?

I help to maintain my mom’s finance, which is a sore point with one of my siblings. My mom just turned 70 and has a monthly rental income of $1600. With her living with us, she doesn’t use much money besides buying presents for the grandkids and her personal care items. She now has approx 20k in her...
by artibug
Fri Sep 29, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9551

Re: My boneheaded financial mistakes

thought I was being so good: for several years, at the start of every year, I cranked up my percent contribution into my 401k to such a high percentage that my 401k was maxed out by September. So then I would dial the 401k inputs down to 0 and put any later savings into taxable. Isn’t that what the...
by artibug
Fri Sep 15, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 2508

Re: Is True-identity lock enough or credit freeze is better

Your replies are exactly what I am looking for. Thanks again! Yep. $5 is not too expensive to protect our identities knowing that all personal info prob already are out on the dark net for the bad guys to view at this point.
by artibug
Thu Sep 14, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 2508

Is True-identity lock enough or credit freeze is better

Per Equifax site, we are part of the data breach. So now I am putting freeze on each of the 3 credit bureaus and innovus as well. When I was on the Transunion site, it offered free credit lock with TrueIdenity. I researched/googled it and it seems legit and got good customer reviews. And even with t...
by artibug
Mon Sep 11, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4200

Electric car in evacuation situation

After watching a lot of CNN this weekend for Hurricane Irma and mass evacuation in FL, I start to wonder if electric cars (I.e. The new Nissan Leaf 2018) would be a better choice to get stuck in stop and go traffic for hours in this kind of situation/traffic pattern (if you only have 1 full tank of ...
by artibug
Sun May 14, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 4293

Re: Switxh from iPhone to Google Fi and Pixel?

Not replying regarding the phone but the cell phone provider. We had been with Verizon for over 10 years because it has the best coverage in the area we live. We finally switched to one of those prepaid phone service-Boom.us. Verizon coverage and mine is $25.99 for 1G and DH has $34.99 for 2G with t...
by artibug
Sun Apr 16, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Is this something the accountant should have told me? Form 5500
Replies: 5
Views: 1229

Re: Is this something the accountant should have told me? Form 5500

:oops: I do blame myself! Although I did tell the accountant what was the balance in that solo 401k.

Ok. After the pointing finger is pointing back at myself. I think I should just eat that $500 penalty before fine gets out of hand.

This is why I love asking you guys questions. Tough love!
by artibug
Sat Apr 15, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is this something the accountant should have told me? Form 5500
Replies: 5
Views: 1229

Is this something the accountant should have told me? Form 5500

I have done several IRA roll over to solo 401K 2015 to take advantage of the backdoor Roth IRA and that pushed my solo 401k balance over $250k. I told my accountant when we filed 2015 tax that's what I did. And that was the end of the conversation. While reading this forum, I learned that IRS requir...
by artibug
Fri Apr 07, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6244

Re: How many financial secrets?

"You can lead the horse to water but cannot force the horse to drink". That sums up my DH attitude toward money. We are from very different financial backgrounds. He had a very comfortable childhood to young adulthood. I do believe if it weren't for the fact that we are married with 2 kids...
by artibug
Thu Apr 06, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7372

Re: Secretly entered two comma club

I totally get the secrecy. I unfortunately do the same with my husband. His family esp the parents in law love to tell us "you can afford it. Spend it". So trips to WDW mendate stay at 4 season or on the monorails. Broadway shows demands best seats in the house. And I am the one who does t...
by artibug
Thu Mar 09, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Liability of being a trustee for rental property in a trust
Replies: 3
Views: 305

Liability of being a trustee for rental property in a trust

I am the trustee for my parents' trust which holds a rental property. Since my parents split their time here in US and oversea, I help them dealing with the rental property. I work in medicine and have a relatively high risk being sued as well as high income. I personally have 1 million umbrella ins...
by artibug
Tue Jan 10, 2017 8:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 21661

Re: Sad News About a Respected Forum Member

Thank you, Lee. We appreciate your sage wisdom. Will miss you.

God bless.
by artibug
Fri Dec 23, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 5327

Re: Reliable washer/dryer brands

I got off easy this time repairing the dryer. Almost as good as new. I cringe at the thoughts of shopping for a new set of washer and dryer. Thanks for all the responses. I know I can always count on you fellow BH for honest opinions and recommendations Happy Holidays! Hope to see peace on earth one...
by artibug
Thu Dec 22, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 5327

Reliable washer/dryer brands

It seems like people on this site agree with consumer reports that LG and Samsung are 2 good brands for washer and dryer. However, several repair guys I have spoken with all adamantly recommending against them, saying that they repair more LG/Samsung compared to others. The brands the most recent re...
by artibug
Thu Sep 29, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5406

Re: Remodel blunter: kitchen design flaw. What can I do now?

Our fault for trusting the designer thinking that they know more and better. I tried to contact the designer/installer subcontractor. But I think they are blocking my numbers out at this point and not answering my email. Not sure it's worth the money, time or energy to trace them down for probably u...
by artibug
Wed Sep 28, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5406

Re: Remodel blunter: kitchen design flaw. What can I do now?

I think I will bounce off the idea of lifting up the sink and/or approaching from the dish washing side with other plumbers. Maybe I will get lucky. Keep my fingers crossed. Thanks a million for those out of box possible solutions!
by artibug
Wed Sep 28, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5406

Re: Remodel blunter: kitchen design flaw. What can I do now?

Image



Image


I figured it out! Thanks again for all your suggestions. The first plumber said that we cannot open up more space bc he worry that there won't be enough support for the counter top.
by artibug
Wed Sep 28, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5406

Re: Remodel blunter: kitchen design flaw. What can I do now?

Can someone coach me how to post photos on this forum? I will post couple photos once I figure out how. We kept the old drop in sink. And the sink sits in the corner of the kitchen counter space. On one side is a dish washer and other side, cabinets with drawers. We did call in a 2nd plumber. He was...
by artibug
Wed Sep 28, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5406

Remodel blunder: kitchen design flaw. What can I do now?

I helped my mom renovated her small rental unit kitchen with IKEA cabinets. We used the subcontractor company that IKEA contracted for both design and installation of the kitchen cabinets and counter tops. When the time came to hook up the water supply to the kitchen sink, the plumber told us that t...
by artibug
Mon Jun 06, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1346

Re: DIY project or need landscaper help

Thanks for the replies! I will check in with Home Depot and see what I can do. I am not super handy but to save 1k, I will be handy enough!! :mrgreen:
by artibug
Mon Jun 06, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1346

DIY project or need landscaper help

I work from home as an independent contractor. I don't get paid if I am not productive. So I need a reliable internet service with a back up. My town runs its own electric service and recently rolled out fiber optic service. The good is that since they only have to deal with the people living in the...
by artibug
Wed Apr 20, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: "Confirmation That Costs Do Matter"
Replies: 1
Views: 545

Re: "Confirmation That Costs Do Matter"

Thank you for that reminder! I am trying to get my sisters on board with the Bogleheads investment philosophy. So far neither one budge yet. But I will forward this article to them and hope something sticks (one of these times, I hope!)

Best.
by artibug
Fri Apr 08, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Outdoor movie set up with iPad as video source
Replies: 11
Views: 1590

Re: Outdoor movie set up with iPad as video source

Ok. iPhone/iPad and pico projectors are out. If I want to connect it thru a lap top what projector will you recommend. How would you connect the lap top to speaker? sorry to ask such rudimentary question. I am terrible with all these set ups
by artibug
Thu Apr 07, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Outdoor movie set up with iPad as video source
Replies: 11
Views: 1590

Outdoor movie set up with iPad as video source

I want to host a summer outdoor movie nights for our 8 year old birthday party. I am hoping to use the iPad as the video/audio source connecting to a projector and some stereo equipments. Since this is mostly for young kids, we want to have a projector with enough illumination so we can start the mo...
by artibug
Mon Feb 08, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Confused doctor's portfolio
Replies: 18
Views: 3743

Re: Confused doctor's portfolio

?? How can you contribute to both SEP IRA and solo 401k annually exceeding total $53k a year???
by artibug
Mon Jan 25, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1027

Re: Help me to clarify solo401k vs SEP IRA

Sorry to dig this thread up again. But I just want to find out if I made a mistake to convert all my IRAs into solo 401k Earlier this year. I did that so now I can do the annual $5500 back door ROTH IRA. How will I convert the money in 401k into ROTH during my retirement years? And yes. I believe I ...
by artibug
Fri Jan 22, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1027

Re: Help me to clarify solo401k vs SEP IRA

Good point regarding the high tax issue. Good thing that it's still early in the year for me to figure this thing out. Time to study more... Thank you for the link. It looks like I really need to study on this. Such tricky rules :annoyed
by artibug
Thu Jan 21, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1027

Re: Help me to clarify solo401k vs SEP IRA

DSInvestor, thank you for your reply. I work as an IC and solo 401k is my only 401k. I am hoping to contribute 53k to SEP then convert the whole thing to ROTH IRA, if I can do it.
by artibug
Thu Jan 21, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1027

Help me to clarify solo401k vs SEP IRA

I had SEP IRA with vanguard for many years before I stumbled into this forum. After learning much from all you guys, I opened up a solo 401k for 2015 at ETRADE to roll over all my tIRA, roll over IRA and SEP IRA into the solo 401k to clear room for me to do the back door ROTH. With the new (tax) yea...
by artibug
Mon Jan 04, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the future: In case I am gone
Replies: 12
Views: 1602

Re: Planning for the future: In case I am gone

Should I have him get Vanguard FP to help him out? I am assuming that they can take over the control and guide him from there? He won't be able to find and hire a trust worthy CFP himself since he won't know enough to know if the person is really going to help him or making a hard sell on something ...
by artibug
Mon Jan 04, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the future: In case I am gone
Replies: 12
Views: 1602

Planning for the future: In case I am gone

Happy New Year, everyone! I know it's morbid to think about one's mortality. But I figure it's better to have a financial plan than no plan! My husband and I are both 42 with 2 young kids: 8 and 2. My income is about 2-2.5x than my husband's. He works for the VA, extremely stable job. Husband has no...
by artibug
Thu Dec 31, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 34
Views: 5496

Re: Ooma Phone Service - I Do NOT Recommend

I second Obihai and google voice. I have used that combo for home "landline" for 2 years. No issue. Plus you can add 911 service to it so you can call 911 in emergency unlike cellphone call to 911 may not connect you to your local emergency dispatcher. There is no "true landline"...
by artibug
Fri Dec 25, 2015 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 6649

Re: My Christmas Gift to You

Truly a priceless gift to us all. Thank you! And peace on earth!
by artibug
Thu Oct 22, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: What is my yard work solution?
Replies: 40
Views: 3808

Re: What is my yard work solution?

I wouldn't recommend plow for your drive way. We have crushed stones driveway, shorter than yours, though, and the plow kicked up all the tiny stones onto the lawn flanking the driveway. When the snow melted, we had to remove those rocks off the lawn by hand. Elevate the snowblower feet to the highe...
by artibug
Wed Oct 21, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Independent contractor or employee status
Replies: 16
Views: 1326

Re: Independent contractor or employee status

Everything else including pay will probably not much changed. The other fringe benefits eventually come out of our pay. Sounds like the only major thing is the health care coverage, which I have. I think I am going to remain as an IC for now. Thanks for confirming my thought process and be my soundi...
by artibug
Wed Oct 21, 2015 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Independent contractor or employee status
Replies: 16
Views: 1326

Independent contractor or employee status

I am currently working as an independent contractor and have the ability to change my status to employee, if I like. But I just want to pick all the BH brains to see if it makes sense for me to stay status quote or change to employee status. With all your help and advice (thank you again!!!), I conv...
by artibug
Mon Jun 15, 2015 4:54 am
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4382

Re: Plumber question

And as a follow up question: anyone with experience of Aeroseal for the AC ducts? That's initial reason why we had energy auditor to come out since one of the bedroom is always hot in the summer and cold in the winter.
by artibug
Sun Jun 14, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4382

Re: Plumber question

What's the difference between CPVC vs. PVC and how I can tell? I am so glad to have found this forum and you guys! After reading some of the replies, I realized now that our current plumbers didn't have our best interest in mind when they recommended us to replace one of the 2 water heaters couple y...
by artibug
Sun Jun 14, 2015 1:35 am
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4382

Re: Plumber question

It is a gas powered water heater. We have 2 water heaters side by side. The older one passed the inspection without any issue. It's this new one Sounds like we should give our plumber a chance to make it right and I will give them a call first thing Monday morning. By the way, how often do you have ...
by artibug
Sat Jun 13, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4382

Plumber question

Just wondering what other BHs will do in my situation. Our new water heater that was put in 2 winters ago didn't pass the draft test by the energy audit company. There is no detectable CO level in the house, but the auditor asks me to have it fix ASAP since we have little kids and pets in the house....
by artibug
Thu Jun 04, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I convert tIRA to ROTH of I should wait
Replies: 7
Views: 905

Re: Should I convert tIRA to ROTH of I should wait

If it's too complicated/could not figure out the contribtation I have made thus far to traditional IRA (I was bad, skipped couple year here and there once I had SEP). Can I roll my current balance in tIRA into solo 401k THEN start "fresh" again with a "new" tIRA with the intensio...
by artibug
Thu Jun 04, 2015 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Should I convert tIRA to ROTH of I should wait
Replies: 7
Views: 905

Should I convert tIRA to ROTH of I should wait

I hope there is no stupid question to ask on this forum! If my question seems so basic, please excuse and help me! I am trying my best to educate myself Here is our issues. Our income is mid to high 6 figures and in the highest tax bracket. I have 700k in mix of SEP, roll over and traditional IRA. I...
by artibug
Fri May 29, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: IRA rollover to solo 401k to E trade
Replies: 3
Views: 563

Re: IRA rollover to solo 401k to E trade

Vanguard won't allow for IRA roll over into 401k. So I have to do this convulated path :( I would love to just stay with vanguard. I hate filling out those paper works. Since it involves my hard earned money, I worried and worried about money not making over/show up on the other side.
by artibug
Fri May 29, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: World's worst market timer. Buy high, sell... never?
Replies: 12
Views: 3862

Re: World's worst market timer. Buy high, sell... never?

Very interesting reading. Thank you for sharing. Good lesson to keep in mind when the market drops. :?
by artibug
Wed May 27, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Landscaping architect?
Replies: 12
Views: 1767

Landscaping architect?

Dear all BHs, would you hire a landscape architect to design a porch and patio space or contractors are good enough for those jobs? We have a flat and pretty much just all grass backyard except for the trees lining the property boarders. We probably end up using the screen in porch more than the out...
by artibug
Wed May 27, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRA rollover to solo 401k to E trade
Replies: 3
Views: 563

IRA rollover to solo 401k to E trade

I am in the process of transferring my tIRA, SEP IRA and rollover IRA into solo 401k from vanguard to e trade so I can start using Backdoor ROTH again. My questions are: 1. If/when I decide to transfer all the funds back from ETrade to Vanguard in the future, I assume all money will be in solo 401k ...
by artibug
Tue May 26, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 1150

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

Thanks everyone for your insightful knowledge. I think I know what to do now! :happy
by artibug
Mon May 25, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 1150

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

Sorry, I am relatively new to this forum posting, so I don't know how to copy and paste to answer a specific question. Yes. I have opened up a solo 401k in Vanguard based on my new accountant's recommendation for 2015. And so far I have put in 18k for this year contribution. So I am not sure if I am...
by artibug
Mon May 25, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 1150

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

Everything is with vanguard at this point. I will call Fidelity tomorrow and see if I can set up the roll over to 401k. How about my roll over IRAs. Do I need to roll over that to 401k as well? Any good suggestion of Fidelity funds that will mirror the 3 fund approach? I really wished I had discover...