Bogleheads.org

fm3040

Original Poster and lakpr, If you intend not to spend the Roth but instead pass it down to your heirs after both husband and wife pass away (with the assumption that one of them lives into their eighties), at your age, it actually makes sense to convert to a Roth now (even though you are in a high t...

fm3040

I have accounts that are professionally managed by a fixed fee advisor. I started with them a long time ago and do not have a copy of the contract. If I wanted to drop the advisor, is it mandatory that they liquidate all the Dimensional Funds in the accounts? As one of the accounts is a taxable acco...

fm3040

Made a trip to Sephora to buy gifts. Loaded up the cart at Costco with a bunch of gifts (including a Cutco knife) and a couple of things for myself that I really do not need but seemed to be at a good price: 1) Skullcandy Indy Fuel wireless earbuds that were $30 off (I think) and 2) Sony MX 1000 M3 ...

fm3040

Wattbike is a great product that was built for the British Racing Team. It is a solid and proven piece of equipment that can take a lot of beating. It is not a closed-loop system like the Peloton with high monthly subscription fees. It plays well with Zwift, Sufferfest, TrainingPeaks, TrainerRoad, R...

fm3040

Option 1: Let's say we deposit $1000 a month into a joint account with my kid (starting at age 18) for the long term. Because of the JTWROS status of the account, my kid will receive all the funds upon my passing. If the state has common property law, will my kid get an adjusted cost basis on the a...

fm3040

Why should S&P include a company that has shown profits based on regulatory credits and trades at a totally unreasonable PE compared to its other constituents?

If not for regulatory credits, they would have posted a loss of over $300 MM last quarter.

fm3040

Thanks for your inputs so far.
Yes, the kid has a laptop. Please provide your inputs on online courses for Java, C, Python and any certifications...

fm3040

Kid going into senior year of high school has summer to pick up computer programming skills. The kid has no programming background and the idea is to get enrolled in an online course or two during summer and get a good taste for programming, the rigors of it, and hopefully achieve some certification...

fm3040

.bump.

fm3040

Is buying term life insurance in the US any different from what it was 3 months ago? I need to buy extra term life considering the uncertainty around employment (i have a decent insurance policy at work but at a high cost). Will any policy bought now exclude death from a pandemic?

fm3040

Thanks for sharing. Sorry for your loss.

fm3040

- 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...

fm3040

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?

fm3040

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...

fm3040

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.

fm3040

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...

fm3040

Simply opening an account with your spouse as the owner should be a workaround, right?

fm3040

bump...

fm3040

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...

fm3040

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...

fm3040

How about just buying Berkshire Hathaway ? No tax exposure and a conglomerate that gives you some diversification

fm3040

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...

fm3040

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...

fm3040

What if your child stays at home while attending college. Can you withdraw max allowable accommodation charges ?

fm3040

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...

fm3040

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

fm3040

Thanks. The filter in Google Advanced Search works - it returns the desired results from the bogleheads site.

fm3040

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...

fm3040

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...

fm3040

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.

fm3040

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 ...

fm3040

[Thread merged into here, see below. --admin LadyGeek]

https://www.thinkadvisor.com/2019/04/02 ... 0303115433

fm3040

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.

fm3040

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.

fm3040

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.

fm3040

All these will be in taxable accounts.

Theoretical,
Tax efficiency considerations for your suggestions above?

fm3040

https://www.washingtonpost.com/business ... 0ff1f91404

fm3040

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.

fm3040

Insurance - Cigna Open Insurance - HSA 2K in-network deductible and 6K out-of-network

fm3040

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...

fm3040

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.

fm3040

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...

fm3040

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.

fm3040

Can you keep them from sending to collections if you set up an auto-pay from your bank for $5 a month?

fm3040

Yes, the numbers match up with the EOB document from the insurance company.

fm3040

Much much less. An ultrasound should not cost more than $200.

fm3040

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...

fm3040

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...

fm3040

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?

fm3040

bump...

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