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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: 247

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: 1054

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: 594

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: 594

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: 594

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: 594

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: 1250

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: 775

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: 775

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: 775

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: 947

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: 416
Views: 61969

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: 263

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: 1461

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: 7188

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: 2353

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: 1219

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: 3260

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: 1219

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: 1219

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: 1727

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: 1023

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: 1554

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: 1524

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: 2230

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: 541

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: 3555

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: 2711

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: 1923

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: 1273

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: 1273

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: 1273

Switzerland / Italy in February with Kids

I just booked a flight to Milan for my family (me, wife and two kids aged 3 and 5). We have no other plans right now, but I'd like to spend most of the time in Switzerland. We land in Milan on Saturday the 14th around noon and leave the following Saturday afternoon. Not even sure if we want to rent ...
by Rainier
Fri Dec 12, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Switzerland / Italy in February with Kids
Replies: 0
Views: 348

Re: EZ-Pass scam?

The real scam is monthly fees. How is that even legal? It's your choice whether to pay monthly fees--you can obtain an E-Z Pass from any state that issues them. http://en.wikipedia.org/wiki/E-ZPass#Fees_and_discounts_by_state And of course the appropriate response is not to click on links in *any* ...
by Rainier
Fri Sep 26, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1646

Re: EZ-Pass scam?

The real scam is monthly fees. How is that even legal? Ez-pass saves the toll companies so much money.
by Rainier
Fri Sep 26, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1646

Re: DINK 200K household income - ways to reduce taxable inco

Have kids
Donate more
Work less
Take a pay cut
Retire early
by Rainier
Sun Sep 14, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3789

Re: Mortgage sold to shady lender

Hazard insurance has nothing to do with your escrow. Hazard insurance is what lenders place when you don't have insurance.

You can pick your insurance company and still escrow the payment.
by Rainier
Sun Sep 14, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Mortgage sold to shady lender
Replies: 9
Views: 1091

Re: Speeding in CT with NY license

Are you sure it wasn't 81 in a 55? We don't have many 65 zones in CT.

I'd probably just pay and move on. I my first ticket a few years ago in VT with a CT license. It was a scam to raise funds to pay for repairs after Irene. My speed was totally inflated but the cost of fighting was too high.
by Rainier
Fri Sep 05, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Speeding in CT with NY license
Replies: 14
Views: 1346

Re: Home Depot Breach - zip codes revealed

I'm not sure HD has the situation under control yet. My coworker went to the store on Wednesday night to buy something. Last night she got a call from her cc company that there was suspicious activity on he her card. They were right, somebody had already cloned the card and were making fraudulent pu...
by Rainier
Fri Sep 05, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6476

Re: frontier markets

I doubt you can invest in any frontier markets for less than 79bps. Not really fair to call it expensive when comparing it to domestic funds. I was going to buy an ounce of silver but instead I bought one share of FM (no commission at Fidelity). Figured it had earning power and much lower costs of t...
by Rainier
Thu Sep 04, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: frontier markets
Replies: 15
Views: 1281
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