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Re: Don't close your account until after next year's 1099s!

I've never had an issue with this on several closed accounts.
by Rainier
Fri Mar 06, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Don't close your account until after next year's 1099s!
Replies: 2
Views: 481

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

Are you putting the money in a UTMA? I assume yes. No penalties for withdrawal, just keep in mind it is the kids money. If you are the custodian you are responsible for how the money is invested and spent. You can't use the money for expenses you are obligated to cover as a parent (food and housing)...
by Rainier
Fri Mar 06, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 16
Views: 1565

Re: Foreign Currency Hedge for Vacation

I don't want cash, too expensive to obtain. And I don't want to hold it or bring it with me to Switzerland. But I can buy CHF in my brokerage account or the Swiss CurrencyShares ETF.
by Rainier
Fri Mar 06, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 8
Views: 538

Re: Foreign Currency Hedge for Vacation

Hotel is not prepaid, but price is fixed so inflation not an issue. Assuming I could get a refund, pre paying the hotel now with my credit card would be the cheapest way to buy CHF.

CHF is almost back to where it was in January and SNB is doing everything it can to de value.
by Rainier
Thu Mar 05, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 8
Views: 538

Re: HELOC vs Refi Strategy

Seems unlikely to be fixed for ten years.
by Rainier
Thu Mar 05, 2015 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELOC vs Refi Strategy
Replies: 7
Views: 501

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

I wouldn't give up income to avoid paying a tax, seems like crazy logic. They get $2000 annually tax free
by Rainier
Thu Mar 05, 2015 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 16
Views: 1565

Re: Foreign Currency Hedge for Vacation

Thanks for the comments, probably best not to worry about it.
by Rainier
Wed Mar 04, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 8
Views: 538

Foreign Currency Hedge for Vacation

We are planning a return trip to Switzerland in February 2016. This year we had a bit of scare when the Swiss Franc jumped by 25%+ overnight and our vacation suddenly became very expensive. Although, with some negotiating and a recovery in the USD it wasn't that bad by the time we traveled in mid-Fe...
by Rainier
Tue Mar 03, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 8
Views: 538

Re: Home refi - Roth IRA

You can take out your Roth contributions anytime, tax and penalty free.
by Rainier
Sun Mar 01, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refi - Roth IRA
Replies: 2
Views: 257

Re: Replace or repair dishwasher

Buy a new one. Even the expensive ones are cheap relative to how much work they do.

Mine runs at least every other day, sometimes more.
by Rainier
Sun Mar 01, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1172

Re: PIN + Signature card in Europe

That usually means finding an attended gas station. At least in Italy I've found that many stations take cash vending-machine style. But yes, attended is better. That's exactly what was happening. Cash was working in the machines and the credit cards were turned off. We had been in Switzerland and ...
by Rainier
Sat Feb 28, 2015 1:53 pm
 
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 608

Re: PIN + Signature card in Europe

That usually means finding an attended gas station. At least in Italy I've found that many stations take cash vending-machine style. But yes, attended is better. That's exactly what was happening. Cash was working in the machines and the credit cards were turned off. We had been in Switzerland and ...
by Rainier
Sat Feb 28, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 608

Re: PIN + Signature card in Europe

Capital One Venture. It's chip and signature, I don't have a pin. Switzerland mostly, three transactions in Italy. I couldn't get it to work at an automated gas pump in Italy. There was no attendant. I think that was user error though. The automated machine at the train station asked for a pin, but ...
by Rainier
Sat Feb 28, 2015 9:14 am
 
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 608

PIN + Signature card in Europe

My capital one pin and signature card worked great in europe last week. Such a great system they have. At restaurants they bring the machine to your table. The machines know to either ask for a pin or print a receipt with a signature line. I was even able to use it without a pin at the train station...
by Rainier
Sat Feb 28, 2015 7:07 am
 
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 608

Re: UGA: Locking in the Current Price of Gasoline

Gas could get cheaper.

The hedge will not work exactly as you intend.

Why not hedge half of it?
by Rainier
Fri Feb 20, 2015 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1261

Re: Need Help - In Switzerland can't get gps to work

Success with the iPad Mini 2 ( wifi + cellular).
by Rainier
Mon Feb 16, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Need Help - In Switzerland can't get gps to work
Replies: 8
Views: 777

Re: Need Help - In Switzerland can't get gps to work

Go to Settings -> Cellular Turn off Cellular Data (and turn off Airplane Mode.) This will allow your GPS to function as well as WIFI when you are at your hotel, cafe, etc but you will not be using expensive cellular data. I have used Sygic in multiple countries and can verify that this works. I agr...
by Rainier
Sat Feb 14, 2015 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Need Help - In Switzerland can't get gps to work
Replies: 8
Views: 777

Need Help - In Switzerland can't get gps to work

I have an iPhone 6 and iPad Mini 2 with cellular option. I downloaded offline Sygic maps for Switzerland but I can't get the app to pull GPS data. My phone is in Airplane mode, which after doing some research looks like it disables the gps. I'm not interested in turning off airplane mode. On the oth...
by Rainier
Sat Feb 14, 2015 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Need Help - In Switzerland can't get gps to work
Replies: 8
Views: 777

Re: Moving States: Incurring long-term cap gains

I wouldn't voluntarily pay taxes on that. He's probably very diversified and it would take decades of high fees to make up for a hundred thousand in taxes. Just because doesn't have cost basis info doesn't mean there is no cost basis.

Stop re investing dividends and offset gains with losses.
by Rainier
Fri Feb 13, 2015 5:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving States: Incurring long-term cap gains
Replies: 17
Views: 948

Re: Oil ETF's?

Cons...oil goes to $3 a barrel.
by Rainier
Wed Feb 11, 2015 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Oil ETF's?
Replies: 6
Views: 528

Re: Mr. Money Mustache: Hero or Foolish?

No real complaints from me. I like his ideas, but not everything works for everyone. For example, bikes. He lives in a very flat Fort Collins, CO. I live in CT and nothing is flat.

His article about only needing one child really bothered me. Can't explain why, but it did.
by Rainier
Mon Feb 09, 2015 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 433
Views: 65826

Re: Moving Expense Tax Deduction

Think about why that is.

No state is going to reward you for leaving.
by Rainier
Sun Feb 08, 2015 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Expense Tax Deduction
Replies: 2
Views: 264

Re: Roth IRA Contribution History

TT prompts you if you want to track your basis. That's your chance to enter all your past contributions. It doesn't get reported to the IRS but TT tracks it on a carryover worksheet for future needs. I let TT track this and my non taxable Traditional IRA basis.
by Rainier
Sun Feb 08, 2015 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution History
Replies: 13
Views: 1467

Re: How much was your Tax Refund (or amount DUE)

$395 federal refund, $390 due state.
by Rainier
Fri Feb 06, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7227

Re: Sleeping bags for cold weather

Yes, the sleeping pas isn't just for comfort. It is to insulate you from the cold ground.

If you expect the low to be 20° and you hAve a 20° bag I think you will be cold. You need a warmer bag than you think.
by Rainier
Fri Feb 06, 2015 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 2354

Re: Boston Marathon - Hotel Plan?

Yes, they always play a home game that day
by Rainier
Fri Feb 06, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Boston Marathon - Hotel Plan?
Replies: 15
Views: 1221

Re: TurboTax fraud?

Some items don't get matched for years. Even w-3s and 1096s aren't due to the government until 3/31 if they are electronically submitted. Hard to match when someone submits a return in February.
by Rainier
Fri Feb 06, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3265

Re: Boston Marathon - Hotel Plan?

I ran for a charity in 2010 and didn't confirm entry until mid February but still found a good deal. Just look for something on the subway line slightly outside city limits and you should be fine.
by Rainier
Fri Feb 06, 2015 6:59 am
 
Forum: Personal Consumer Issues
Topic: Boston Marathon - Hotel Plan?
Replies: 15
Views: 1221

Re: Boston Marathon - Hotel Plan?

Ran in 2010 and stayed in Cambridge at the Meridien. Very easy subway access and a great location.
by Rainier
Thu Feb 05, 2015 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Boston Marathon - Hotel Plan?
Replies: 15
Views: 1221

Re: Bring USD to Louisiana USA from Philippines

Doesn't customs relate to carrying more than $10k in cash? Does a $35k check count?

Either way. I'd wire it in.
by Rainier
Tue Jan 27, 2015 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bring USD to Louisiana USA from Philippines
Replies: 19
Views: 1763

Re: Perplexed by Oil Heating Issue

Do you have a priority Switch? Some systems have a zone priority that gives priority to one zone, typically the upstairs zone.

We have one that was setup wrong. It was giving priority to the upstairs even though our furnace could easily heat the whole house.
by Rainier
Tue Jan 27, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 1026

Re: Snow on Gas Meter?

Makes it harder for them to cut you off when you get delinquent on your bills.

Real Answers:

That's where the emergency cutoff is (and out in the street)
That's where they read the meter (i think they drive by mine with a sensor)
by Rainier
Mon Jan 26, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Snow on Gas Meter?
Replies: 13
Views: 1557

Re: UMB vs HSA?

My wife's company just changed from chasehsa to UMB. I wish we had chase back, their funds were cheaper than UMB.

In that list of 170 funds, there is literally not one cheap option. The fidelity funds even have massive loads.

I am leaning toward the annual rollover and using Saturna Capital.
by Rainier
Sun Jan 25, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: UMB vs HSA?
Replies: 13
Views: 1531

Re: Did the Swiss stock market really lose 9%?

The Swiss have utterly destroyed their economy. I am going to Switzerland in three weeks. I already rebooked one hotel that was less expensive and negotiated a 10% discount on the other. I plan on requesting a discount on virtually everything I buy there if their prices have not been adjusted. Swiss...
by Rainier
Sat Jan 24, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Did the Swiss stock market really lose 9%?
Replies: 15
Views: 2232

Re: Avoiding the Kiddie Tax on Capital Gains

Exactly, harvest the gains to stay under the annual limit. Wash sales don't apply, but the fir may restrict the sell-buy
by Rainier
Sat Jan 24, 2015 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding the Kiddie Tax on Capital Gains
Replies: 4
Views: 542

Re: Amazon Prime Is $72 Tomorrow for New Users

My wife got the email but I didn't. Problem solved, my wife registered today for prime.
by Rainier
Sat Jan 24, 2015 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2945

Re: Amazon Prime Is $72 Tomorrow for New Users

What defines a new user?

My prime expired on 12/31 and I didn't renew. Think I will get it for $72 tomorrow?
by Rainier
Fri Jan 23, 2015 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2945

Re: Riverboat Cruising in US

Do these exist? The Mississippi sounds mighty borIng to what you've seen in Europe. Columbia sounds interesting. What about the Erie Canal?
by Rainier
Tue Jan 20, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Riverboat Cruising in US
Replies: 5
Views: 908

Re: Is $50 oil really the norm?

Why can you discuss oil prices and not the price of the Swiss Franc? How is this any different? Will a forum admin answer this? I have expenses I have to pay in CHF in a few weeks just like everyone has to buy oil. It's supply and demand, not politics. Gas is so cheap now I just leave my car running...
by Rainier
Sun Jan 18, 2015 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Is $50 oil really the norm?
Replies: 41
Views: 3557

Re: Confused: Why does anyone buy German bonds?

Germans do. Large companies and banks do because they don't have deposit insurance.
by Rainier
Fri Jan 16, 2015 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Confused: Why does anyone buy German bonds?
Replies: 24
Views: 2712

Re: Swiss franc jumps as SNB abandons ceiling versus euro

ge1 wrote:No, it means that banks who deposit CHF with the Swiss National Bank need to pay for the pleasure of having a CHF deposit.


Agreed, this is what negative interest means.

Why isn't SNB just printing cash? This is going to crush their economy.
by Rainier
Thu Jan 15, 2015 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Swiss franc jumps as SNB abandons ceiling versus euro

The central bank also cut its main interest rate to -0.75 percent—a move further into negative territory. They have negative interest rates? And here I thought rates in the US could only go up. What does that mean? If I borrow money in Switzerland, I only have to give back some of it? No, it means ...
by Rainier
Thu Jan 15, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Looks like the market is saying the CHF should be at parity with the EUR. Seems logical to me, not sure why their economy would be any different than the continent that surrounds them in the long run. Expect some exciting hedge fund bankruptcies to emerge from this currency move....pigs get slaughte...
by Rainier
Thu Jan 15, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

It's troubling that hangouts uses data to make call? How so? That's the entire basis of the app. Planning on forwarding my cell mumber to google voice while overseas so I can receive calls (while on wifi). I should be able to make free calls to the U.S. as well. What software are you using that keep...
by Rainier
Thu Jan 15, 2015 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1941

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Lucky me! I'm going to Switzerland in four weeks. My trip is about 15% more expensive than it was yesterday. I may call up my hotel and ask to pay now (ask for a discount too) to lock in some of my costs. Any thoughts on what to do? We are currently planning on spending two nights in Brig (train to ...
by Rainier
Thu Jan 15, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Overseas Foreign Exchange Rates

It's 23 cents in a $1400 purchase! Less than two basis points. Who cares?
by Rainier
Thu Dec 18, 2014 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Overseas Foreign Exchange Rates
Replies: 3
Views: 378

Re: Denver area ski in/out lodging?

Denver is in the plains. I wouldn't call those Denver ski areas.

I highly recommend Cooper. The ski area is great. I'm not sure what the truth is with those distances. Probably somewhere in the middle. 1000 feet isn't that far either way
by Rainier
Thu Dec 18, 2014 6:02 am
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1427

Re: No Foreign Fee Credit Card - Exchange Rate

So...it looks like you are getting a competitive market exchange rate on these cards. I'm a little tired of the playing the bonus game and cancelling after a year. My AMEX is my main card, but I would like a good Visa/MC for backup (and no foreign fees). I'm currently using a Chase Freedom that only...
by Rainier
Wed Dec 17, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1274

Re: No Foreign Fee Credit Card - Exchange Rate

I cancelled the Barclay Arrival+ last month just before the one year anniversary. They didn't ask or pressure me into staying. I would have stayed, but I didn't want to pay the fee. The card was actually enrolled in my wife's name (I had a card too). I wonder if I could do another card in my name an...
by Rainier
Tue Dec 16, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1274

No Foreign Fee Credit Card - Exchange Rate

I'm looking for a no foreign transaction fee (and no annual fee) credit card. A chip card would also be good. Right now I'm looking at the BankAmericard Travel Rewards and the VentureOne card. I'm open to other suggestions. My main questions is about the no foreign transaction fee deal. Since I am n...
by Rainier
Tue Dec 16, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1274
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