Search found 913 matches

Return to advanced search

Re: Seeking Boglehead advice on new home

On being a LL - yeah, you might get lucky and make a killing if house prices go up. But you might get unlucky and lose out, or just tread water. It might be worth the risk if you could fix things yourself, but since you said you hire everything out, that will cost you. And it is a time sucker you pr...
by Saving$
Tue Nov 25, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 12
Views: 986

Re: Simple Question

Is it in a taxable account?
What is the difference between it's value today, and the value of the day the decedent passed?
by Saving$
Mon Nov 24, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Question
Replies: 3
Views: 365

New Refrig with Icemaker. Filter?

Being the Boglehead that I am, I have never had a refrigerator with any sort of ice maker or water dispenser. When I recently had to replace the refrig, it turned out one with a built in icemaker was on sale for less than the similar model without icemaker. Being the Boglehead that I am, I bought th...
by Saving$
Sat Nov 22, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: New Refrig with Icemaker. Filter?
Replies: 7
Views: 733

Re: getting umbrella insurance

I was asked most of the above (occupation, do I have pool, boat, jetski, snowmobile, dog, etc, am I on a Board of directors) and was also asked if I entertain at home, how many time per year I invite guests to my house, how many guests, do I serve alcohol when I do so, do I know the people I invite,...
by Saving$
Fri Nov 21, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1490

Re: Tax Gain Harvesting - Charity / Gift to family

It means he is subject to the kiddie tax. He has a standard deduction of $1050, and the next $1050 of investment income (dividends and capital gains, and interest if he has a bank account) is taxed at his own rate, but anything beyond that is taxed at his parents' rate, likely 15%. If you gift him ...
by Saving$
Fri Nov 21, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvesting - Charity / Gift to family
Replies: 17
Views: 1289

Re: [Should I] rent out [my] house [for a 3-day event]?

In general, I would not do this. HOWEVER, for a few of my neighbors, I might. It would need to be a neighbor I totally trust. - This is not at all suspicious. The neighbor has family visiting, and wants the family to be able to stay directly next door rather than 1/4 mile away, or 1 - 2 miles away i...
by Saving$
Mon Nov 17, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4080

Re: Not qualified for my job - what to do?

There are two things you need -
a) understand the facts
b) lead the team in the correct path

Google is the great equalizer for understanding the facts. Your outside consultants and others can help you understand which facts apply. Then you take the info and lead the team.
by Saving$
Sat Nov 15, 2014 1:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4742

Re: Not qualified for my job - what to do?

All of us work with plenty of other people every day who have no idea what they are doing, and are not qualified for their jobs. The ones who pretend they know how to do something are the worst. The ones who admit that the outside consultant may know more, that others have something to offer, who li...
by Saving$
Sat Nov 15, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4742

Re: Dealing with pressure for "social donations" at work

Any chance that this is not actually a for real thing? How do you know that the money collected is actually going to the employees, as opposed to being pocketed by the person collecting the money? Or 10% goes to the employees, 90 to the collector? Sure it would be blatant, but if someone came up wi...
by Saving$
Sat Nov 15, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 9192

Re: 36 y.o. New at investing, am I in too much debt?

Ruralavalon gave good advice but I would change two things: In my opinion next year do not do a Roth, backdoor or otherwise. In my opinion don't take a new loan from anyplace, even your 403b. My idea on best order of priorities for 2015 (and later) is still this: 1) do not incur any more debt; 2) co...
by Saving$
Sat Nov 15, 2014 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 5005

Re: Late medicare enrollment if you switch from insurance

It appears the only way you can avoid the Part B and Part D penalty is either by enrolling at 65 or, if you don't enroll, if you are continuously employed and are covered by your employers group policy, for which you can obtain a "credible coverage" letter.
by Saving$
Wed Nov 12, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late medicare enrollment if you switch from insurance
Replies: 10
Views: 1072

Re: Confused by Wiki Advice on HSA Spending

I don't understand the examples that are like "pay expense from HSA, contribute that amount to 401k." What? I understand the examples where you contribute the money to a Roth IRA, but I don't understand how paying medical expenses from your HSA has anything to do with contributing to a 40...
by Saving$
Tue Nov 11, 2014 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 22
Views: 2133

Re: HoA for Building - What to consider for a Subdivision

Does each unit owner get one equal vote? If so, and they divide one commercial unit into three, there will be two additional votes representing the interests of commercial/retail owners vs. resi owners. This may not seem like much, but, for example, lets say your association docs require 80% approva...
by Saving$
Tue Nov 11, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 458

Re: Confused by Wiki Advice on HSA Spending

Think of it like this: Money going into the HSA and 401k is pretax. So if you earn $100k in a year and are in the 25% federal and 5% state tax bracket, it works like this: Scenario 1: No money into HSA or 401k; $100k has 30% income taxes; net take home is $70k, no retirement savings Scenario 2: $330...
by Saving$
Mon Nov 10, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 22
Views: 2133

Re: Questions for Experienced Aeron Chair Owners

Why does it need to be replaced?
by Saving$
Sat Nov 08, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Questions for Experienced Aeron Chair Owners
Replies: 2
Views: 333

Re: War on Debt

1. You ARE in dire straights. Nothing will change until you admit it. 2. You posted how you got into credit card debt. Some of it is poor decisions (all of which you blamed on ex or current wife - but still, VERY poor decisions). The rest of it is what is called LIFE. Stuff happens, and you need fun...
by Saving$
Sat Nov 08, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 27431

Re: Fidelity Mutual Fund Strategy?

You want 70/30 stocks to bonds with 20% of your stocks in international So you want about the following: 55% of total in Domestic Stock 15% of total in International Stock 30% of total in bonds. You have $40k in a 401k $35k in a Fidelity Traditional IRA $10k extra So you have $85k total investable a...
by Saving$
Wed Nov 05, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3562

Re: Fidelity Mutual Fund Strategy?

You are making this wayyyyyyy too complicated... 1. Figure out your desired asset allocation and WRITE IT DOWN. This will get you started on reallocating/rearranging this mess. 2. Figure out how much you need in an emergency fund and WRITE IT DOWN. 3. Figure out how much you need for ongoing expense...
by Saving$
Tue Nov 04, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3562

Re: LED Christmas lights?

On color, the bright white lights are too blue and the soft white lights are too red. This is consistent across the brands I've tried. I use the bright whites because they're brighter. I got some hallway night lights with white LEDs, and they were like an white blue ice pick in the eye. This is wha...
by Saving$
Mon Nov 03, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 15
Views: 1982

Re: First House Question

1. Buy a house because it sounds like what you want, and you are well able to afford what you want. The money is supposed to be useful, not only be saved. 2. Keep your cap at $1.2 m because that makes you comfortable, and it works well with your numbers. 3. If your income is not steady, you may only...
by Saving$
Mon Nov 03, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: First House Question
Replies: 23
Views: 2089

Re: What online banks do you like for savings or MMA?

Alliant CU is good and maintains a consistently higher than average rate. They used to have high HSA rate, but no more - they are the same as their regular savings. Quorum CU has 1.05% and has a stellar website and good customer service. UFB Direct has 1.25% if you have at least $25k account balance...
by Saving$
Thu Oct 30, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 3106

Re: Lincoln MKC - anyone tried this one out?

Isn't is a rebadged Ford Escape?
by Saving$
Thu Oct 30, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Lincoln MKC - anyone tried this one out?
Replies: 12
Views: 1566

Re: Mold, mold, mold!!! In Massachusetts..

It is probably not mold. Probably mildew.
But if LL will let you out of the lease sounds like that is better for you.
by Saving$
Thu Oct 30, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 18
Views: 2292

Re: Bogleheads.org equivalents for other areas of life?

For anything travel related, the community at http://www.flyertalk.com is the best resource. High quality info, respectful community, etc.
by Saving$
Sun Oct 26, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7616

Re: Best health insurance plan for a bad year (cancer)?

#2. Cancer is enough stress. She does not need the stress of worrying that some bonehead in a doctors office will send something off to a not in network lab and then she will be liable, or some doctor will have a not in network tag along who want to invoice for services. Too much stress. I'd take #2...
by Saving$
Sat Oct 25, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2354

Re: Should I Sue? [couch damaged in garage of rental]

Garages are for cars, not upholstered furniture. They are not airtight, watertight or conditioned, because none of what is supposed to be in a garage needs any of that. It just needs to be generally out of the elements. To say the rental place needs to meet current code is silly. It could have been ...
by Saving$
Sat Oct 25, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3297

Re: Reduce income to fall below 401k HCE threshold?

So you already max out the 401k. If you are 50 or over, do you max out the 401k catch up contribution ?(it is not counted in the HCE calc) Do you max out a Roth IRA? If you are 50 or over, do you max out the Roth catch up contribution? Are you eligible for an HSA? If so, do you max that out and pay ...
by Saving$
Fri Oct 24, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce income to fall below 401k HCE threshold?
Replies: 9
Views: 887

Re: Feeling rich to feeling poor overnight

1. Trim expenses. 2. Don't look at the move as permanent - find a "filler" place while you decide if you will buy, which it sounds like may be influenced by the relationship 3. Don't spend 30 min each way commuting. Time is more valuable than money. You are concerned about not contributing...
by Saving$
Fri Oct 24, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10871

Re: Buying a home / renting it to a friend

If you already own other rental real estate, you know the following... and it not: As a LL, you must have the same criteria for each applicant. Most LL's have something like gross income must be 3x monthly rent. Gross income must be verifiable. If an applicant does not want to "count" some...
by Saving$
Fri Oct 24, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 983

Strategies of Cash offer on house

If someone can make a cash offer, should they? I'm NOT talking about the opportunity cost of tying up the funds in home equity vs. the market. There are other threads on that. Supposedly the advantages of a cash offer are that is one more contingency that is removed, so no hiccup on financing, which...
by Saving$
Fri Oct 24, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategies of Cash offer on house
Replies: 5
Views: 767

Re: [Best Option for Early Termination] of Apartment Lease

There is risk in being a LL. Even more if you don't know what you are doing. If you do this renting out thing, you want to make 100% sure the LL is screening just as tight as they would if you were not on the lease. What happens to your Security? Does the LL do a new tenant walkthrough when you move...
by Saving$
Wed Oct 22, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1405

Re: Should I sell My American Funds?

Taxable Investment Value Capital Gains $10,000 $3,800 So total value of account is currently $13.8? I would transfer in kind to Vanguard or Fidelity, and then start depleting via annual charitable giving. IRA's: Mine: $13,000 $7,800 My wife's: $13,000 $7,800 Roth IRA's: Mine: $40,000 $26,000 My wif...
by Saving$
Wed Oct 22, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1334

Re: Don't auto-renew your ACA plan, shop around

Are the off exchange plans required to meet any of the new ACA criteria, such as no lifetime max, certain wellness care, etc.? Although some of the criteria are useless for some (pediatric dental) it seems that is an ACA criteria? If off exchange plans don't have to meet it, is there a list of the o...
by Saving$
Wed Oct 22, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 17
Views: 1480

Re: Mold in dishwasher

First I would hazard to guess what you saw was mildew rather than mold. Second, if you are concerned about either, run the thing empty with a 1/4 cup of bleach in it on hot water. Third, most dishwashers keep some water at the bottom of the dishwasher - this primes the drain area and is normal. Four...
by Saving$
Sun Oct 19, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1137

Re: What tax software do you use and why

TaxAct, downloadable version, for about 10+ years now, because: 1. I used TurboTax the first year I went from doing taxes by hand to using a program. That was the same year Turbo Tax, without permission, downloaded software to a hidden part of your drive, that somehow stayed there even if you reform...
by Saving$
Sat Oct 18, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2652

Re: Best solution for clouded auto headlight lens?

I'll suggest a third alternative that may or may not be useful. Check to see if an ECE/EEC headlamp was made for your vehicle. These are continental European "E-code" headlamps (so the beams point the correct direction) and in many cases they will have glass lenses that stay crystal clear...
by Saving$
Sun Oct 12, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2758

Re: Best solution for clouded auto headlight lens?

Then apply something like this: http://www.amazon.com/XPEL-H9904A-Clear-Headlamp-Protection/dp/B002BI86BY/ref=sr_1_9?s=automotive&ie=UTF8&qid=1413054429&sr=1-9&keywords=xpel The $4 kit on Amazon is apparently for a 6" round headlight. The kit for my headlights is $67 according ...
by Saving$
Sat Oct 11, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2758

Re: Relocating to a tax free state with good weather need ad

Seattle.
But you will pay high sales tax, and pay it on EVERYTHING, services included.
by Saving$
Sat Oct 11, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3666

Best solution for clouded auto headlight lens?

Vehicle is over 10 years old and headlight lenses are clouded. I'm trying to determine the best solution. Being a Boglehead, I want to spend as little money as possible over the long term. Plan to keep the car for MANY more years. Restore: 1. Rub out with toothpaste. This is a common internet remedy...
by Saving$
Sat Oct 11, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2758

Re: Cleaning Up Acorns

I've fought this for years. Tried everything. Thanks for reminding me of how I will spend my Saturday. My conclusions are as follows: 1. First pass with leaf blower. Try to blow them onto a tarp or old shower curtain. 2. There will be many that the leaf blower "gathers" to a corner or othe...
by Saving$
Fri Oct 10, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2310

Re: Saving for great grandchild's college/trade school

Thank you for the responses. The Great Grandparent is not opposed to the college fund reducing college type aid for the student - the money would be used for college! Their objection is the money getting siphoned off for other non-educational expenses After more research, I'm wondering if this can b...
by Saving$
Tue Oct 07, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for great grandchild's college/trade school
Replies: 5
Views: 591

Saving for great grandchild's college/trade school

I was recently asked the question below and said I would post to Boglehead and report back with a response. A friend wants to save for great granchild's education (college or trade school). Right now GGC is 2, and another GGC is on the way. The desire is to set it up so money can only be used for ed...
by Saving$
Mon Oct 06, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for great grandchild's college/trade school
Replies: 5
Views: 591

Re: Suggestions to tax-efficiently reduce my holdings in a s

RCL: Do you donate to charities anyway, such as perhaps your religious community, your alma mater, kids school, etc? If so, is $1k or more of your annual donation to the same organization? Do you plan to continue doing this? If you answered yes to each of the above, then change those donations from ...
by Saving$
Sun Sep 28, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions to tax-efficiently reduce my holdings in a stock
Replies: 5
Views: 420

Re: Best cell phone plan for Verizon iPhone 5

If you already own the phone, you could put the person on the Verizon prepaid plan for $45/month. Unlimited talk and text; 500 mb data, doubled to 1 gig if you sign up for auto pay.
by Saving$
Sat Sep 20, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 1317

Re: When to throw out childhood toys? Encourage me please.

You still have some connection to the stuff or you would not be posting here.

Take digital pictures of it. That way you can "take the stuff out and look at it" any time you want and it will not take up ay space.

Then donate it. Check to see if any of it is collectible.
by Saving$
Sat Sep 20, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2477

Re: How do you store your electronic account statements?

This is a great discussion - very helpful. I wish there were some sort of wiki or matrix for "how to" for this. For paper statements or correspondence, I scan on my $50 all in one printer/scanner. It came with software that convert the scan to a text searchable pd. For anything I can get e...
by Saving$
Wed Sep 17, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1777

Re: Rental property with in-laws: please help!

1. OP - you don't need to wait around for a d--- deed to find out who owns this. You have the address of the house - it MUST be on your schedule E if you take it off your taxes. Put that in Google to figure out what county it is in. Google that county's real estate assessor site. Look up the propert...
by Saving$
Tue Sep 16, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 8151

Re: Strange Billing Practice by Medical Provider

This is strange. My medical provider invoices look like this (I've overly simplified, but this is the concept): Regular charge: $300 Negotiated discount: $200 Negotiated rate: $100 Insurance Pays: $70 Patient Pays: $30 So your medical provider is asking that instead of paying $30 out of pocket you p...
by Saving$
Tue Sep 16, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2895

Re: Rental property with in-laws: please help!

OK, OP, you have lots to digest from the above posts. I will add a few more. 1. You stated above you and wife have NOT taken depreciation. a. If this is true, that is colossally unfortunate, because even if you have not taken it, the IRS will make you pay recapture tax at 25% on the depreciation you...
by Saving$
Mon Sep 15, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 8151
Next

Return to advanced search