Search found 4169 matches

by natureexplorer
Thu Dec 26, 2013 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 After-Tax (non-Roth) 401k Contribution Limit
Replies: 5
Views: 949

2014 After-Tax (non-Roth) 401k Contribution Limit

What are the 2014 limits for all 401k contributions including after-tax (non-Roth) contributions?
by natureexplorer
Fri Dec 20, 2013 3:21 pm
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 8428

Re: Fool's Gold

The example in this thread is gold, and that would be a case where it is not imaginable that the asset would continue to erode to a thousandth, to a millionth, to a billionth of value while we chase it down. It doesn't have to be imaginable to happen. "some ... catastrophic event that one would not...
by natureexplorer
Fri Dec 20, 2013 2:59 pm
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 8428

Re: Fool's Gold

What will happen to you portfolio if that asset you have allocated 5% to, drops gradually 99% in value, and you you continue to rebalance into it? Anyone with math skills? I did a kind of quick exercise in a spreadsheet. The method I used was to assume the loss of 5% of the current value in each su...
by natureexplorer
Fri Dec 20, 2013 2:23 pm
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 8428

Re: Fool's Gold

What will happen to you portfolio if that asset you have allocated 5% to, drops gradually 99% in value, and you you continue to rebalance into it? Anyone with math skills? I did a kind of quick exercise in a spreadsheet. The method I used was to assume the loss of 5% of the current value in each su...
by natureexplorer
Fri Dec 20, 2013 12:41 pm
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 8428

Re: Fool's Gold

What will happen to you portfolio if that asset you have allocated 5% to, drops gradually 99% in value, and you you continue to rebalance into it?

Anyone with math skills?
by natureexplorer
Fri Dec 20, 2013 10:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA to Pay Foreign Health Insurance Premium?
Replies: 4
Views: 638

Re: HSA to Pay Foreign Health Insurance Premium?

Publication 969 seems to provide some insight: You cannot treat insurance premiums as qualified medical expenses unless the premiums are for: 1. Long-term care insurance. 2. Health care continuation coverage (such as coverage under COBRA). 3. Health care coverage while receiving unemployment compens...
by natureexplorer
Fri Dec 20, 2013 10:38 am
Forum: Personal Finance (Not Investing)
Topic: HSA to Pay Foreign Health Insurance Premium?
Replies: 4
Views: 638

Re: HSA to Pay Foreign Health Insurance Premium?

From Publication 502:
You can include in medical expenses insurance premiums you pay for policies that cover medical care.
And then of course later in the publication, Insurance Premiums are listed among the expenses that are not qualified.
by natureexplorer
Fri Dec 20, 2013 10:35 am
Forum: Personal Finance (Not Investing)
Topic: HSA to Pay Foreign Health Insurance Premium?
Replies: 4
Views: 638

Re: HSA to Pay Foreign Health Insurance Premium?

Do you mean, are the premiums qualified expenses? Yes. Probably not: http://www.hsabank.com/hsabank/education/irs-qualified-medical-expenses. Interesting. I guess upon (early) retirement it could qualify under the category "Health coverage during unemployment". While the website you link to states ...
by natureexplorer
Fri Dec 20, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: HSA to Pay Foreign Health Insurance Premium?
Replies: 4
Views: 638

HSA to Pay Foreign Health Insurance Premium?

Question 1 I have access to a health insurance plan in a foreign (non-US) country that covers worldwide medical expenses. Would the foreign premiums for that plan be eligible for HSA purposes? Question 2 I'm currently covered under my employer's health insurance. Starting January 1, 2014, I'm switc...
by natureexplorer
Fri Dec 20, 2013 9:24 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

Re: POLL: Do you use your HSA funds to pay for medical expen

Expenses do not have to be approved when you make a tax-free withdrawal from an HSA, they don't have be be approved when you report the withdrawal on your tax form. The only time they would get "approved" is if your tax form was audited, that is when you would need records of the expenses. What's t...
by natureexplorer
Thu Dec 19, 2013 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

Re: POLL: Do you use your HSA funds to pay for medical expen

The record keeping can be a hassle. One strategy that I used was to download EOBs and drug purchase records from our HDHP provider. They kept the past 18 months of records online. Each year I downloaded the a year's records so I could have a long-term electronic record of these. That and some backi...
by natureexplorer
Thu Dec 19, 2013 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

Re: POLL: Do you use your HSA funds to pay for medical expen

I have a single credit card that I use for all medical expenses, (its not the HSA card). I save all medical bills each year, staple then together, and then put them in a box, along with the year end credit card reciept. That sounds like a good strategy, thanks for sharing. But what safe guard do yo...
by natureexplorer
Thu Dec 19, 2013 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

Re: POLL: Do you use your HSA funds to pay for medical expen

Wow, so far 10 people (45%) have voted " No, I have HSA funds, but I use taxable funds instead. ". Could you please elaborate on your record keeping and strategy? So far 3 people () have " Yes, I use my HSA funds, even though I'm also investing in taxable. ". Why? 2014 will be my first year with an ...
by natureexplorer
Thu Dec 19, 2013 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

Re: POLL: Do you use your HSA funds to pay for medical expen

It was my understanding that after age 65, an HSA essentially becomes an IRA, in that you can use it for non-medical expenses. Is this not correct? Yes, but you should always keep those receipts as withdrawals for medical expenses are tax-free. Withdrawals that aren't backed by medical expenses are...
by natureexplorer
Thu Dec 19, 2013 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: TIRAs or Backdoor Roths?
Replies: 4
Views: 504

Re: TIRAs or Backdoor Roths?

No need to use the backdoor if you can use the front door.
by natureexplorer
Thu Dec 19, 2013 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 84
Views: 8298

POLL: Do you use your HSA funds to pay for medical expenses?

Based on the wiki, I see that in an effort to maximize tax-advantaged space, it is technically advantageous to pay eligible medical expenses with taxable money and keeping the receipts rather than paying for them directly with HSA money. One would then make the withdrawal from the HSA only once one ...
by natureexplorer
Thu Dec 19, 2013 9:47 am
Forum: Investing - Help with Personal Investments
Topic: What next: HSA or taxable?
Replies: 12
Views: 1249

Re: What next: HSA or taxable?

HSA is the best after you have contributed enough to get the company match. HSA contributions are not taxed at all - this includes FICA tax. Withdrawals for eligible healthcare expenses are not taxable. You can also withdraw at age 65 for non-healthcare related expenses without penalty - although i...
by natureexplorer
Thu Dec 19, 2013 9:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2013 Year-End Distributions
Replies: 36
Views: 5598

Re: Vanguard 2013 Year-End Distributions

letsgobobby wrote:If I'm reading it right it looks like 2013 fourth quarter distributions are approximately half of 2012, in VTI, VXUS, VEU, and VOO.
Yeah, I may have to postpone my early retirement :-)
by natureexplorer
Tue Dec 17, 2013 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement from ATM
Replies: 28
Views: 1943

Re: Reimbursement from ATM

Yes. I attempted a withdrawal at another bank's ATM, but the machine never spit out the money. I assumed the transaction simply didn't go through, but I later noticed that the amount was withdrawn from my checking account. I filed a claim with my bank describing what happened. They provided a tempor...
by natureexplorer
Tue Dec 17, 2013 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 2969

Re: Deferred Compensation Plan

risk of losing all deferrals if company becomes insolvent How will the company compensate her for taking this risk? It seems like the only compensation is in the form of providing you with additional tax-advantaged space. Are you already maxing out all your other tax-advantaged space? For example, ...
by natureexplorer
Wed Dec 11, 2013 5:22 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 6872

Re: How long do you keep your cars? Why do you replace it?

Honda Civic: 5 years and going
Maintenance costs (other than the stuff recommended in the manual and new tires): $0
by natureexplorer
Sun Oct 27, 2013 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 324648

Re: Mango prepaid card - 4.8% (effective) APY

Are people still using the Mango accounts (prepaid and/or savings account)? Do I understand correctly that the funds in either Mango account are FDIC-insured? I'm considering using the savings account for the 6% interest and the prepaid card to load with GreenDot cards purchased with a rewards credi...
by natureexplorer
Wed Oct 23, 2013 1:52 pm
Forum: Personal Consumer Issues
Topic: How To Request Texas Sales Tax Refund
Replies: 6
Views: 709

Re: How To Request Texas Sales Tax Refund

The Wizard wrote:Why should a state refund sales tax to someone from out of state (or out of country)?
Discussion of the justification of tax rules is against forum rules, but feel free to PM me.
by natureexplorer
Wed Oct 23, 2013 1:13 pm
Forum: Personal Consumer Issues
Topic: How To Request Texas Sales Tax Refund
Replies: 6
Views: 709

How To Request Texas Sales Tax Refund

Friends from Germany will be visiting me in Houston, Texas, soon. They'd like to do some shopping while here. How can they get the Texas sales tax back? I'm hoping that there is an easy DYI solution. I know of companies that will process the the refund request for you, but they charge up to 50% in f...
by natureexplorer
Wed Oct 16, 2013 9:40 pm
Forum: Personal Consumer Issues
Topic: Google Spreadsheet No Longer Updating Mutual Fund Prices?
Replies: 3
Views: 699

Google Spreadsheet No Longer Updating Mutual Fund Prices?

I just noticed that Google Spreadsheets still display yesterday's price for mutual fund. Hopefully it's just a temporary glitch. It's not the first time that Google removed Google Finance functionality from Google Drive.
by natureexplorer
Mon Oct 07, 2013 3:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Inflation Protected Bond Index
Replies: 31
Views: 9242

Fidelity Spartan Inflation-Protected Bond Index Fund - Advan

Are there any updated Boglehead opinions on this fund (FSIYX)? I'm considering investing in it in my Fidelity Roth IRA. I currently hold TIP in this account, but I will now meet the minimum to buy the ER 0.1 Advantage Class shares of this fund. I generally prefer mutual funds, but I'm worried about ...
by natureexplorer
Sun Sep 29, 2013 2:35 am
Forum: Investing - Theory, News & General
Topic: Earnings announcement dates
Replies: 2
Views: 446

Re: Earnings announcement dates

A company whose stock I was interested in had an earnings announcement date of 09.26.1. On 09.16.13, the company announced sales numbers which were good causing the stock to rise. After the rise, I decided to not buy the stock. How often does a company release financial data for a quarter before th...
by natureexplorer
Sun Aug 25, 2013 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to Employer's Excess Benefit Plan?
Replies: 5
Views: 653

Re: Contribute to Employer's Excess Benefit Plan?

Thanks a lot everyone! Excellent advice! I looked up the current yield to maturity of bonds from my employer and they are roughly: 2 years: 1% 5 years: 2.5% 10 years: 4% I agree, the separation date is not fully controllable and circumstances change. I also agree that I am already exposed to the ris...
by natureexplorer
Sat Aug 24, 2013 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to Employer's Excess Benefit Plan?
Replies: 5
Views: 653

Contribute to Employer's Excess Benefit Plan?

I'm able to max out my $51k per year limit in pre-tax and non-Roth after-tax 401k contributions. My employer also matches and a certain percentage of my salary. I currently have my monthly contributions set so that the total between pre-tax, after-tax, and match should be slightly below $51k (I'm on...
by natureexplorer
Sat Jun 29, 2013 10:36 pm
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 17090

Re: What do you wish you had learned sooner?

The complicated system of tax-advantaged accounts.
by natureexplorer
Sat Jun 29, 2013 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401k/rollover IRA, and my car
Replies: 19
Views: 2423

Re: 401k/rollover IRA, and my car

1. Keeping your recurring costs down is always a good idea. 2. I suggest that you ask again once you have paid off all loans. 3. I'd recommend selling and getting 10-year old Honda Civic or similar. 4. Definitely no more loans, but don't spend more than $5k on the new used car. 5. Your 401k balance ...
by natureexplorer
Fri Jun 21, 2013 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I wait 1 day before buying fund in taxable account?
Replies: 11
Views: 1602

Re: Should I wait 1 day before buying fund in taxable accoun

So, now that we know the exact amount of the dividend as well as yesterday's and today's prices, which day was the better day to buy? VTIAX Prices 06/20/2013: $24.56 06/21/2013: $24.27 Distribution amount $0.32300 with a declaration date of 06/20/2013. In other words, if we add the dividend back in,...
by natureexplorer
Thu Jun 20, 2013 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I wait 1 day before buying fund in taxable account?
Replies: 11
Views: 1602

Re: Should I wait 1 day before buying fund in taxable accoun

I am going to wait a day even though my IPS says I must buy today. This also shows a problem for me that I have with the Vanguard web site: They don't do what I would consider timely updates of their web site. Vanguard must already know the Declaration Date (they have reported that), the Record Dat...
by natureexplorer
Thu Jun 20, 2013 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I wait 1 day before buying fund in taxable account?
Replies: 11
Views: 1602

Should I wait 1 day before buying fund in taxable account?

I'd like to make a small semi-regular contribution of new money to Vanguard Total International (VTIAX) today in taxable (according to my AA, that's where new money should go right now). However, today turns out to be the Record Day for that fund (I believbe)* Should I wait until tomorrow to avoid t...
by natureexplorer
Mon May 27, 2013 7:51 pm
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 3242

Re: Used Car Purchase...Please Help

20K - but this includes my emergency fund and me trying to save for a house downpayment that would be in the future. I'd recommend saving until you have enough to buy a brand new Honda Civic. You are considering to spend $14k on it right now, so I'd say get your cash to to $24k and then make the pu...
by natureexplorer
Mon May 27, 2013 7:37 pm
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 3242

Re: Used Car Purchase...Please Help

How much cash do you currently have?
by natureexplorer
Sun May 26, 2013 11:36 am
Forum: Personal Consumer Issues
Topic: Should you tip at walk-up-to-order restaurants?
Replies: 12
Views: 2831

Re: Should you tip at walk-up-to-order restaurants?

I am just back from a local bagel joint, ordered a dozen to take home, some cream cheese. Paid with Visa and there on the transaction slip is a line for tip,which I x'd out. One of the pleasures of travel in Asia is there is no tipping (restaurants, hotel, cabs, etc.) It does change the dynamics. A...
by natureexplorer
Sun May 26, 2013 11:04 am
Forum: Investing - Theory, News & General
Topic: Isn't it a bad time to be investing??
Replies: 67
Views: 8407

Re: Isn't it a bad time to be investing??

It's bad time for investing in fixed income. You will lose.
by natureexplorer
Sun May 26, 2013 11:01 am
Forum: Personal Consumer Issues
Topic: Should you tip at walk-up-to-order restaurants?
Replies: 12
Views: 2831

Should you tip at walk-up-to-order restaurants?

There seems to be a rise in places where one walks up to order, pays, and they then bring the food to the table. They have a tip jar and a tip field on the credit card slip. Should you tip at such places?
by natureexplorer
Sun May 26, 2013 2:15 am
Forum: Personal Consumer Issues
Topic: Do you tip on take out?
Replies: 70
Views: 6767

Re: Do you tip on take out?

No. I thought that was one of the points of takeout.
by natureexplorer
Tue May 21, 2013 9:08 pm
Forum: Forum Issues and Administration
Topic: Internet Forums Reimagined: The Future Of Online Discussions
Replies: 0
Views: 1184

Internet Forums Reimagined: The Future Of Online Discussions

Have the forum admins considered switching to different forum provider to save on server costs?
http://www.makeuseof.com/tag/internet-f ... scussions/
by natureexplorer
Fri Mar 29, 2013 9:20 am
Forum: Investing - Theory, News & General
Topic: Total International Dividends for Q1/2013 Very Low
Replies: 5
Views: 635

Re: Total International Dividends for Q1/2013 Very Low

1. Are international stocks mostly paying its dividends annually? I vote for choice 1. Did you ever wonder why Vanguard's international funds used to pay only once a year? Answer: so as to avoid questions about why the quarterly dividends were so unequal. This doesn't seem to be the full story as t...
by natureexplorer
Fri Mar 29, 2013 8:49 am
Forum: Investing - Theory, News & General
Topic: Total International Dividends for Q1/2013 Very Low
Replies: 5
Views: 635

Total International Dividends for Q1/2013 Very Low

The Vanguard Total International ( VTIAX ) Q1/2013 dividend equals 9% of the 2012 dividend. The Vanguard Total Sock Market ( VTSAX ) Q1/2013 dividend equals 23% of the 2012 dividend. 1. Are international stocks mostly paying its dividends annually? 2. Have dividends massively dropped for internation...
by natureexplorer
Sun Mar 10, 2013 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 7352

Re: "Strategic divorce" for tax-purposes for 2 physicians

stan1 wrote:
ddunca1944 wrote:Seriously, with a combined income of $600K/yr you'd divorce for $19K? :?
Well, it is $19K per year so over 30 years it would be $570K (plus any interest/appreciation from investing).
It's like with expense ratios, you have to look at absolute amounts.
by natureexplorer
Sat Mar 02, 2013 12:33 am
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 5031

Re: Any Experience Selling a Car on [Craigslist]?

Reading this thread I was reminded of a time I was selling my '86 Honda Accord - before Craigslist era. A couple called to see the car and showed up at my home in the early evening (first mistake) and then wanted to test drive it (second mistake). They looked tame enough, so they climbed into the f...
by natureexplorer
Fri Mar 01, 2013 11:55 pm
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 5031

Re: Any Experience Selling a Car on [Craigslist]?

Yes. I sold the car for $10.5k through craigslist, which was the KBB private party value. Carmax had offered me $7.5k.