Search found 131 matches

by runnergirl
Mon Jun 11, 2012 1:23 pm
Forum: Investing - Theory, News & General
Topic: Transfer Trad IRA to TSP
Replies: 7
Views: 1682

Re: Transfer Trad IRA to TSP

I transferred from a Fidelity traditional IRA to the TSP recently. I had Fidelity write a check for the non-basis amount directly to the TSP FBO "my name" and TSP account number. There is the TSP incoming rollover form that you have to fill out which also has a section that Fidelity has to complete....
by runnergirl
Sun Jun 10, 2012 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Northwest Mutual DI
Replies: 24
Views: 3275

Re: Northwest Mutual DI

Would you consider Northwest Mutual DI to be a bad option for someone not in the medical profession? For example, someone who is in the legal profession? Yes. Why choose NWM over another company with a better policy? What is wrong with the NWM policy? We have own profession, COLA, 6 month wait peri...
by runnergirl
Sun Jun 10, 2012 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Northwest Mutual DI
Replies: 24
Views: 3275

Re: Northwest Mutual DI

Would you consider Northwest Mutual DI to be a bad option for someone not in the medical profession? For example, someone who is in the legal profession?
by runnergirl
Sun Jun 10, 2012 3:24 pm
Forum: Personal Consumer Issues
Topic: Bathroom renovation-advice please!
Replies: 52
Views: 7858

Re: Bathroom renovation-advice please!

Intrigued by the Toto washlet. Saw some in Japan and Hong Kong but never tried it. Does it work well?
by runnergirl
Wed Jun 06, 2012 10:21 am
Forum: Personal Consumer Issues
Topic: Bathroom renovation-advice please!
Replies: 52
Views: 7858

Re: Bathroom renovation-advice please!

Will be remodeling our master bath (narrow and small). I got a lot of good ideas from this old thread. Anyone else recently been through a remodel and have ideas or product reco's to share?
by runnergirl
Mon Jun 04, 2012 7:58 pm
Forum: Personal Investments
Topic: Short term losses vs long term
Replies: 9
Views: 1021

Re: Short term losses vs long term

If you have a lot of short term losses but no short term gains, only long term gains, does the short term loss come off your ordinary income up to $3000. And then you just pay taxes on the long term gains? No. The net short-term loss will offset the long-term gains. Then if there are still any gain...
by runnergirl
Mon Jun 04, 2012 6:00 pm
Forum: Personal Investments
Topic: Short term losses vs long term
Replies: 9
Views: 1021

Re: Short term losses vs long term

If you have a lot of short term losses but no short term gains, only long term gains, does the short term loss come off your ordinary income up to $3000. And then you just pay taxes on the long term gains?
by runnergirl
Sat Jun 02, 2012 7:59 pm
Forum: Personal Investments
Topic: Restricted Stock vested day before Really Bad Day
Replies: 6
Views: 806

Re: Restricted Stock vested day before Really Bad Day

Not as bad as Groupon but worse than the market as a whole. That was pretty bad luck that it would fall so much right after it vested but before I could sell. What is the difference between ST capital loss and LT capital loss?
by runnergirl
Sat Jun 02, 2012 11:22 am
Forum: Personal Investments
Topic: Restricted Stock vested day before Really Bad Day
Replies: 6
Views: 806

Restricted Stock vested day before Really Bad Day

On May 31, a chunk of restricted stock in my company vested, and on June 1 the price dropped a good amount. Does this mean, my basis is the high price on May 31, and I can take a capital loss when I sell? Unfortunately, I must wait a few days to sell because of the brokerage.
by runnergirl
Fri Jun 01, 2012 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: living trust title as beneficiary vs. name of trust
Replies: 21
Views: 4944

Re: living trust title as beneficiary vs. name of trust

If you have a pour-over will does this protect some accounts left out of the trust?
by runnergirl
Thu May 31, 2012 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question about refinancing with Amerisave
Replies: 16
Views: 2175

Re: Question about refinancing with Amerisave

I have refinanced twice with Amerisave and never had an issue with them adding the lender credit back into the loan. You should call the person you're working with and talk to them for clarification. One of the things I liked best about them was how they laid out the exact fees before you commit (th...
by runnergirl
Thu May 31, 2012 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Cash back CC's
Replies: 41
Views: 399945

Re: Cash back CC's

I like the www.nerdwallet.com website. Found a lot of great offers and could compare the features of each card.
by runnergirl
Wed May 30, 2012 8:15 am
Forum: Personal Consumer Issues
Topic: Energy deregulation - Looking for new electricity supplier
Replies: 50
Views: 4222

Energy deregulation - Looking for new electricity supplier

I live in a state where electricity is deregulated and I am being bombarded with phone calls and mail promising lower rates. There are many different companies and I don't know where to turn to research which is the most economical and reliable provider for electricity. A google search of many of th...
by runnergirl
Thu May 17, 2012 5:31 pm
Forum: Personal Consumer Issues
Topic: Mental Math to think about while running
Replies: 42
Views: 4738

Re: Mental Math to think about while running

I love to run as you can see by my username. 14 marathons including 2 New Yorks and 2 Bostons. When racing, the only mental math I do is figuring splits at every mile marker. But when I am doing training runs, I often think about finances. Like how to rebalance, tax loss harvest, how to place what f...
by runnergirl
Sun May 13, 2012 6:38 am
Forum: Personal Consumer Issues
Topic: Cell phone and plan for 6th grader
Replies: 73
Views: 9040

Re: Cell phone and plan for 6th grader

Some great suggestions here. Thank you. Has anyone heard of the free text messaging app for the iPod touch? That may be an alternative to the cell phone especially because I hear you saying that teens don't call too much but text a lot. I heard this app eliminates the monthly plan fees and gives the...
by runnergirl
Fri May 11, 2012 9:06 pm
Forum: Personal Consumer Issues
Topic: Cell phone and plan for 6th grader
Replies: 73
Views: 9040

Re: Cell phone and plan for 6th grader

She wants one as a reward for getting straight A's.
by runnergirl
Fri May 11, 2012 8:52 pm
Forum: Personal Consumer Issues
Topic: Cell phone and plan for 6th grader
Replies: 73
Views: 9040

Cell phone and plan for 6th grader

My 6th grader claims she is the only one in her middle school without a cell phone and that almost everyone has an iPhone. I did in fact witness quite a few of her friends have one. What kind of cell phone and plans are you getting for your pre-teens? I dislike getting into monthly plans and the iPh...
by runnergirl
Fri May 11, 2012 4:08 pm
Forum: Personal Investments
Topic: I-bond maximum
Replies: 28
Views: 2299

Re: I-bond maximum

I tried to sign our living trust up on Treasury Direct but it said that I need to mail in a photocopy of the trust document. Did you have to do this? If so, how long did it take after you mail in the documents before you were allowed to invest?
by runnergirl
Thu May 10, 2012 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: $1000 for opening college savings acc't?
Replies: 4
Views: 833

Re: $1000 for opening college savings acc't?

It did seem too good to be true.
by runnergirl
Thu May 10, 2012 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: $1000 for opening college savings acc't?
Replies: 4
Views: 833

$1000 for opening college savings acc't?

http://www.citizensbank.com/savings-and-cds/college-saver.aspx I saw this offer and it seems like a great deal. You can open a savings account for a child who has not reached 12th birthday. For a 0-6 years old child, minimum opening amount is $25 with monthly deposits of $25. In my case, a 6-12 year...
by runnergirl
Thu May 10, 2012 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Mtgprofessor/Goodmortgage.com for your mortgage?
Replies: 4
Views: 2647

Re: Mtgprofessor/Goodmortgage.com for your mortgage?

I've used Amerisave twice to refinance in the last two years and their fees were very upfront and detailed on the quote they give you. Each time I chose the no costs option. There were no surprises on closing day because each and every fee or tax is listed. The first time, the agent was not too expe...
by runnergirl
Thu May 10, 2012 8:34 am
Forum: Personal Investments
Topic: Mortgage and effect on Bond Portfolio
Replies: 2
Views: 321

Mortgage and effect on Bond Portfolio

I have been thinking about whether to refinance our current 15-year (3.25%) mortgage (which we are paying slightly more per month to pay off in 13 years), to a 10-year (2.75%) mortgage. The 10-year would require approximately $7500 per year in payments over what we are already paying off for the 13 ...
by runnergirl
Thu May 10, 2012 7:16 am
Forum: Personal Investments
Topic: Rate of return you expect from stock portion of portfolio
Replies: 55
Views: 4548

Re: Rate of return you expect from stock portion of portfoli

Does anyone know whether the retirement calculators use real return or nominal return? I put my answer down based on nominal return.
by runnergirl
Mon May 07, 2012 9:10 am
Forum: Personal Investments
Topic: Rollover of after tax 401K contributions
Replies: 44
Views: 5586

Re: Rollover of after tax 401K contributions

So is the best procedure to: 1) ask for inservice withdrawal of post-tax 401K amount (which may include some pre-tax gains) 2) have check sent to me minus 20% federal tax withholding (can I opt out of the 20% w/holding?) 3) deposit the amount (with 20% added back in) into a traditional IRA within 60...
by runnergirl
Fri May 04, 2012 9:16 pm
Forum: Personal Investments
Topic: Rollover of after tax 401K contributions
Replies: 44
Views: 5586

Re: Rollover of after tax 401K contributions

Very informative Alan S. If the plan only allows inservice withdrawals once a year, what kind of fund do you suggest I put it in while it waits to be rollovered so that I don't incur too much taxable gain?
by runnergirl
Wed May 02, 2012 6:04 pm
Forum: Personal Investments
Topic: Rollover of after tax 401K contributions
Replies: 44
Views: 5586

Re: Rollover of after tax 401K contributions

Thanks for all your help. Can I roll over straight to a Roth IRA if I am over the income phase-out for direct contributions to Roths and already contributed $5000 to my traditional IRA this year and then back-doored it into the Roth? How does it work if one is a "highly-compensated employee?" I don'...
by runnergirl
Wed May 02, 2012 1:53 pm
Forum: Personal Investments
Topic: Rollover of after tax 401K contributions
Replies: 44
Views: 5586

Rollover of after tax 401K contributions

I read here with interest how one can contribute to an after-tax 401K and then roll-over that after-tax amount to one's own IRA (back-door Roth in my case). I contacted my HR person and below is what she said. I want to make sure I understand correctly. I can contribute $50,000-$17,000-$match? Then ...
by runnergirl
Wed May 02, 2012 10:15 am
Forum: Personal Investments
Topic: Not your regular retirement questions
Replies: 58
Views: 8006

Re: Not your regular retirement questions

Pro ball player?
by runnergirl
Mon Apr 30, 2012 10:21 pm
Forum: Personal Consumer Issues
Topic: Things to do in Corolla, NC (Outer Banks)
Replies: 41
Views: 4283

Re: Things to do in Corolla, NC (Outer Banks)

We used Twiddy Rentals this year. VRBO has a lot of options too. Need to book early though. Most prime time rentals are already taken by January. I managed to find a place for August in April, but the pickings were slim.
by runnergirl
Mon Apr 30, 2012 4:54 pm
Forum: Personal Consumer Issues
Topic: Things to do in Corolla, NC (Outer Banks)
Replies: 41
Views: 4283

Re: Things to do in Corolla, NC (Outer Banks)

Even if they advertised wi-fi connection, we have to bring a wireless router? More than one person cannot be on the internet at the same time?
by runnergirl
Mon Apr 30, 2012 4:22 pm
Forum: Personal Consumer Issues
Topic: Things to do in Corolla, NC (Outer Banks)
Replies: 41
Views: 4283

Re: Things to do in Corolla, NC (Outer Banks)

Its a large house and we've traveled with these people before.
by runnergirl
Mon Apr 30, 2012 3:40 pm
Forum: Personal Consumer Issues
Topic: Things to do in Corolla, NC (Outer Banks)
Replies: 41
Views: 4283

Things to do in Corolla, NC (Outer Banks)

We're staying in Corolla in an ocean front beach house in August. Any suggestions for what to do, where to eat, etc.? Would be 4 families with all of our children (elementary school through middle school age).
by runnergirl
Sat Apr 28, 2012 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does getting too many reward credit cards ding credit score?
Replies: 7
Views: 1162

Does getting too many reward credit cards ding credit score?

My husband and I have credit scores in the mid to high 700's last time we checked to refi our home. We have no foreseeable need for obtaining any loans. I keep getting in the mail all these great credit card offers offering a bonus to sign up (e.g. $100, 40,000 miles, 1.5% cashback, etc.). Right now...
by runnergirl
Thu Apr 26, 2012 11:33 am
Forum: Personal Investments
Topic: Emergency Fund in Tax-Advantaged
Replies: 19
Views: 1960

Re: Emergency Fund in Tax-Advantaged

I like Taylor's idea of not having separate e-fund. Maybe we're in that situation now? We have a taxable account outside of our qualified plans--about 1 and 1/2 years worth of expenses (this is in u.s. stock index and international stock index), plus another 1/2 year in bank accounts/I bonds. We als...
by runnergirl
Wed Apr 25, 2012 8:26 am
Forum: Personal Consumer Issues
Topic: How much do Bogleheads donate as % of income?
Replies: 62
Views: 5652

How much do Bogleheads donate as % of income?

2011 tax return for me showed approx. 3.5%. I feel I should be donating more.
by runnergirl
Tue Apr 24, 2012 5:31 pm
Forum: Personal Investments
Topic: Emergency Fund in Tax-Advantaged
Replies: 19
Views: 1960

Emergency Fund in Tax-Advantaged

I read the wiki on putting e-fund into tax-advantaged but have a question about the current poor returns on money markets. The wiki recommended putting the e-fund money into a money market fund, but at 0.01 yield, it is not worth it to me. Are there any other suitable vehicles in the tax-advantaged ...
by runnergirl
Wed Apr 18, 2012 9:28 pm
Forum: Personal Investments
Topic: I Bond vs. paying off mortgage
Replies: 7
Views: 1030

Re: I Bond vs. paying off mortgage

Thanks for the responses. Yes, we are already maxing out 401K, IRA's, fully funded for college, no debt except for mortgage, adequate emergency fund, etc.
by runnergirl
Wed Apr 18, 2012 6:13 pm
Forum: Personal Investments
Topic: I Bond vs. paying off mortgage
Replies: 7
Views: 1030

I Bond vs. paying off mortgage

I am new to investing in I bonds. In late March, my spouse and I purchased $20,000 worth of I bonds. As of now, I have not noticed any interest being added to the balance. When do they credit the interest? Is the fixed rate (0%) credited at a different time than the inflation component? Also, I curr...
by runnergirl
Sun Nov 21, 2010 4:05 pm
Forum: Personal Investments
Topic: Help placing funds among Roths, TSP and 401K
Replies: 3
Views: 1006

Thank you for taking the time to respond xerty.

I would like to know how you came up with the adjusted percentages based on tax treatment of the accounts. That way, say I want 10% of X fund in tax-deferred, how much is that compared to taxable? That's something I hadn't thought about.
by runnergirl
Sat Nov 20, 2010 7:48 pm
Forum: Personal Investments
Topic: Help placing funds among Roths, TSP and 401K
Replies: 3
Views: 1006

Help placing funds among Roths, TSP and 401K

First, thank you for your advice on rolling-over pre-tax contributions to a qualified plan so that I could make a Roth conversion tax free. Now I need some advice on how to place the funds. Emergency funds = Yes Debt : 370K mortgage, 15 year, 3.875% Tax Filing Status : Married Filing Jointly Tax Rat...
by runnergirl
Tue Nov 16, 2010 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Northwestern Mutual's Disability Insurance
Replies: 5
Views: 1858

Thanks for the helpful article!
by runnergirl
Mon Nov 15, 2010 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Northwestern Mutual's Disability Insurance
Replies: 5
Views: 1858

Experience with Northwestern Mutual's Disability Insurance

I am looking at policies for long-term disability and got a quote from Northwestern Mutual Life. The policy includes: COLA own occupation to 65 (attorney) proportionate benefit 90 day elimination period non-cancellable guaranteed renewable increasing premium (offset by dividend refunds) Anything els...
by runnergirl
Fri Nov 12, 2010 10:45 am
Forum: Personal Investments
Topic: How much is tax-free space worth?
Replies: 10
Views: 1693

I've decided against paying any taxes prematurely thanks to this forum. What I was asking is whether it's a good idea to keep everything in the t-IRA and allow for that larger tax-advantaged space for tax-inefficient investments of my own choosing or to roll-over the pre-tax into the 401K where I wi...
by runnergirl
Fri Nov 12, 2010 8:23 am
Forum: Personal Investments
Topic: How much is tax-free space worth?
Replies: 10
Views: 1693

How much is tax-free space worth?

Sorry to keep bringing this question up, but I'm still debating whether or not to keep my conversion of tIRA's to Roth. Several of you have suggested that I roll-over my pre-tax contributions to my 401K and then convert only the post-tax portion to the Roth. My hesitation is that the 401K does not h...
by runnergirl
Thu Nov 11, 2010 9:40 am
Forum: Personal Consumer Issues
Topic: What is a good lightbulb for under cabinet lights in kitchen
Replies: 25
Views: 4344

[quote="LadyGeek"]There's not enough information here. Sounds like a task lighting application. Do you mean replacement light bulbs or is this a new fixture? New fixture for new cabinets. Having the kitchen entirely remodeled Do you have a power source for the fixture / light bulbs? Low voltage DC o...
by runnergirl
Wed Nov 10, 2010 10:13 am
Forum: Personal Investments
Topic: Do you DCA into your asset allocation or lump sum?
Replies: 50
Views: 4172

Of course, DCA is the right answer for the OP. Just read the first post in the thread below, which has started by the same OP, to know why: http://www.bogleheads.org/forum/viewtopic.php?t=62813&highlight= Not always. As I wrote earlier, if the lump sum payment came from an pension fund that had an ...
by runnergirl
Tue Nov 09, 2010 9:57 pm
Forum: Investing - Theory, News & General
Topic: Is the iPhone stock app a dangerous thing?
Replies: 5
Views: 1412

Is the iPhone stock app a dangerous thing?

I am tempted to check to see how my portfolio is doing all the time, especially the ETF's which are constantly in flux. Anybody else do this?
by runnergirl
Tue Nov 09, 2010 9:48 pm
Forum: Personal Investments
Topic: What do you say to new Boglehead who loses money
Replies: 45
Views: 6154

Wow, you guys are smart and guessed correctly that it was the Vanguard REIT ETF. Thanks for all the great advice to "stay the course" and the illustrations of REIT volatility.
by runnergirl
Tue Nov 09, 2010 6:31 pm
Forum: Personal Investments
Topic: What do you say to new Boglehead who loses money
Replies: 45
Views: 6154

What do you say to new Boglehead who loses money

If someone who is new to the Boglehead philosophy and is just starting to rebalance his portfolio into a well thought out asset allocation, but on the first day out experiences a 4% loss on 8% of his portfolio, what do you say to that person?