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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$
Thu Oct 23, 2014 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 20
Views: 990

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 $26,000 My wif...
by Saving$
Thu Oct 23, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1114

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 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 15
Views: 866

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 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1100

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 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2517

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 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2678

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 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2678

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 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3613

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 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2678

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 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2216

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 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for great grandchild's college/trade school
Replies: 5
Views: 540

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 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for great grandchild's college/trade school
Replies: 5
Views: 540

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 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions to tax-efficiently reduce my holdings in a stock
Replies: 5
Views: 407

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 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 1283

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 8:34 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2432

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 $50 all in one printer/scanner. It came with software that convert the scan to a text searchable pd. For anything I can get e...
by Saving$
Thu Sep 18, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1741

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 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7958

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 1:10 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2848

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 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7958

Re: Am I in over my head?

I just want to say how impressed I am with your attitude about this money, and the work you've done researching ideas. A lot of people with a lot more experience wouldn't have come up with as sensible a plan as you did. People can debate the particular percentages in the asset allocation, but a mix...
by Saving$
Sun Sep 14, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4713

Re: Roth IRA vs Mutual Fund. Inexperienced Investor

You can hold mutual funds inside a Roth IRA. Yes, you should invest in a Roth if you have earned (W-2) income. The advantage to a Roth is the income is not taxable. The following is the explanation I used with a friends kid, which they totally understood. The types of accounts are the bowls. The gov...
by Saving$
Sun Sep 14, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Mutual Fund. Inexperienced Investor
Replies: 11
Views: 642

Re: Estate Executor

If I found myself in your situation, I would try to hire bsteiner as my adviser, if for nothing else, than to advise me if the local lawyer and CPA are covering all the bases and doing things correctly. Seriously. Never met bsteiner and don't know if he/she is retired or still practicing, but after ...
by Saving$
Sun Sep 14, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Executor
Replies: 7
Views: 1142

Re: Am I in over my head?

No, I don't think you are over your head. If you are the type that can seek, ask, listen and learn, you do not need to pay an adviser 1% year to, if they are good, tell you the same thing you get here for free, or if they are bad, lead you astray. The fact that you posted here indicates you are the ...
by Saving$
Sun Sep 14, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4713

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

The possible scenarios are: 1. NotLaw's well written summation 2. The theories others have about the parents needing cash, so setting up the daughter to buy the house and cash out via Heloc. Either way, it happened in 2006, and it is now 2014, so the OP needs to deal with the situation he has now. I...
by Saving$
Sun Sep 14, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7958

Re: Did Social Security make a mistake in calculating benefi

I know a person over FRA who is collecting SS and still working. This person receives a statement from SS each October that retroactively increases the benefit for income from the previous calendar year. So for example, person works and receives $1000/m SS for 2013, based on December 2012 letter. In...
by Saving$
Fri Sep 12, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did Social Security make a mistake in calculating benefits?
Replies: 17
Views: 2247

Employer finding out you have a financial cushion?

In the "Salary Info double standard?" thread, investingdad wrote "One would think that a fellow Boglehead would recognize the value of hiring a person for whom typical financial strains may not apply." This is an interesting and opposite view than I have held. On the financial si...
by Saving$
Sun Sep 07, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8334

Consulting: Sole Prop vs Employees: 401k and other issues

Hoping some of the consultants on this board can offer advice or links that have advice. Consulting as an employee of a consulting company is simplest and safest, yet the least flexible. Consulting as a Sole Proprietor or the only consultant in your own LLC trades some safety/predictability of incom...
by Saving$
Sat Sep 06, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting: Sole Prop vs Employees: 401k and other issues
Replies: 6
Views: 464

Re: Vanguard Lost $50k

Agree with all the advice above, but would add one thing, just in case: DOCUMENT Immediately download/save evidence of all transactions: your order to buy mutual funds and hopefully Vanguard's confirmation email/letter, the first Vanguard withdrawal from your bank, the second Vanguard withdrawal fro...
by Saving$
Sat Sep 06, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Graduating Debt-Free, or with Elite College Degree?

I have not read all the replies, but I'll offer my experience. I earned my degree from a "brand name" elite (highly selective) school. Everyone has heard of it, not just those in a certain field. Even 25+ years later, that sets me apart. Early in my career, it got me interviews I would not...
by Saving$
Sat Sep 06, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 5076

Re: Solo 401 K questions

Your personal Roth IRA contribution is not dependent upon whom your Solo 401k is with.
Roth 401k contribution IS. Your 401k plan has to allow for Roth contributions over and above the $17.5. I do not recall this being an option at Fidelity several years ago.
by Saving$
Sat Sep 06, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401 K questions
Replies: 14
Views: 1333

Re: Where can I go to get a signature guarantee or Medallion

I have an account at a local credit union that does not do them. Also had an account at Chase; Chase told me all their locations in my state are really just retail stores, and not actual bank branches, so there is no person at the "retail store" who can do a medallion. I got an account at ...
by Saving$
Fri Sep 05, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 21
Views: 1303

Re: Kitchen "Backsplash" question

There are three different types of Kilz
- Latex based
- Oil based
- Shellac based

Use the shellac based for best coverage and stain blocking. I would not have it tinted for such a small area.
by Saving$
Fri Sep 05, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 1958

Re: chip credit cards

Visa and MC seem to be issuing new chip cards. I understand the value of the new cards but am curious how my prior info with the issuer is erased. The hacking seems to be within co info [Target etc] and how does a new card delete my info? Am I making any sense? The hacking at, for example, Target, ...
by Saving$
Wed Sep 03, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1587

Re: Help Please: Retirement plan vs. Higher Salary

So as long as I'm not missing anything in my research, with the cash, my base salary would already phase me out of a ROTH IRA, so the only option I would then have is 5500/year for a Traditional IRA. To me, that does not sound like enough. You are missing something. Search Backdoor Roth n this site...
by Saving$
Tue Sep 02, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 35
Views: 3272

Re: Take slightly better job if you had to wait 1 year for 4

I had this one time, and it turned out the waiting period was for employer match. It was no problem for them to let me participate in the 401k with my own funds the quarter after I started. I just put HUGE amounts of each paycheck into the 401k in that quarter so that I could reach the max for that ...
by Saving$
Tue Sep 02, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 19
Views: 922

Re: Hello new to the boards [If retirement funds not used up

Ok i see. I am starting to plan for retirement and my company currently offers a 401K where they match 100% up to 3% of my salary... + another 50% up to 5% of my salary. I plan on contributing 5% of my salary for the 401K. Good start. To do anything else would be to give up free money. And it will ...
by Saving$
Mon Sep 01, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 1797

International in Taxable - Advantage?

According to the Wiki, http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement all other things being equal, if you can put your international allocation in taxable, there is a slight advantage. I get that if you have millions even a slight advantage makes a difference. But if you ...
by Saving$
Mon Sep 01, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 5
Views: 591

Re: Does your employer still offer pensions to new hires?

I have NEVER worked for an employer with a DB plan.
Employers have ranged from non profit and private companies with +500 employees, to private companies with 5-10 employees.
by Saving$
Mon Sep 01, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3927

Re: Costco:is it worth it for just two people?

One Costco is about 12 miles away, the other is about 10 miles. I go about once per month. I buy mostly food, and find Costco offers organic options the local grocery does not offer, or which are MUCH more expensive at the local grocery. Example: Organic Chicken = $5.99/lb at Costco, and 7.99 at loc...
by Saving$
Mon Sep 01, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12341

Re: Help Please: Retirement plan vs. Higher Salary

If Option #2 still lets you invest in an optional 401k, it might be worth considering. Otherwise, I think Option #1 is by far the best option. Here is my reasoning: 1. Yes you have alot of student loans to pay off, but you are committed to paying them, your living expenses are reasonable, so you don...
by Saving$
Mon Sep 01, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 35
Views: 3272

Re: Fidelity Charitable Fund Questions

Depending on how much you are considering putting into a DAF, note there is a minimum fee of $100, or 0.6%, so if you donate just $10k, the fee is more than 0.6%.

Note also that if you donate more than $500k, the 0.6% goes down.
by Saving$
Sun Aug 24, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 31
Views: 1710

Re: 87 Year Old Grandmother Has $600,000 In the Bank

As has been suggested, a CD ladder could work. Depending upon the monthly spend rate, would suggest $100-$200k go to a high yield savings, and the rest into CD ladder. Otherwise, the only thing I would say you should encourage changing is that 0.05% return on the cash. There are plenty of financial ...
by Saving$
Sun Aug 24, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5657

Re: Online property tax payment lost

1. When dealing with governments, I find they must literally go by the letter of the law, so these issues are generally not negotiable. I would find out if your county goes by postmark, or if they go by actual date of receipt of check. - if by postmark, you have a strong case in the form of third pa...
by Saving$
Sun Aug 17, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1460

Re: Help with solo 401k

I'll add one more item - you may wish to look beyond Fidelity and Vanguard and find a Solo 401k that also offers the Roth 401k options. There was a discussion here a while back and noone had identified such yet, but if it is available, it is certainly advantageous.
by Saving$
Sun Aug 17, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 1054

Re: Help with solo 401k

Do you currently have either a 401k /403b or similar from a former employer that is a) still with that former employer or b) rolled over into a standard tax deferred IRA? Do you currently have a standard IRA (not Roth) that you funded with pretax dollars? If the answer to either one of these is yes,...
by Saving$
Sun Aug 17, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 1054

Re: USAA Changes effective 6 Aug 14

Day late and dollar short. I hung in there with USAA for years. Having become a Boglehead, and trying to simplify, I moved the last bit with USAA to Fidelity earlier this year. See no reason to move back.
by Saving$
Fri Aug 15, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: USAA Changes effective 6 Aug 14
Replies: 28
Views: 4024

Re: Fear of Disclosing Net Worth

Do you have an umbrella policy? If so, you were probably required to disclose your net worth in bracketed amounts. Thus your insurer knows. Other than that, I agree with the reluctance to disclose. That is why I am reluctant to put all my accounts in the Fidelity All View. And my housing and spendin...
by Saving$
Sun Aug 10, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8327

Re: How do you address your inlaws and being addressed?

I too was raised to address elders with a title. I am still in contact with an elderly couple who were neighbors when I was 2. I grew up calling them Mr. and Mrs. Lastname. Recently they suggested I call them by their first name. I really tried, but it felt disrespectful. They are Mr. and Mrs. Lastn...
by Saving$
Fri Aug 08, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4874

Re: ITOT vs FSTMX/FSTVX

Unlike ITOT, which is an ETF and is priced continuously, FSTMX is a mutual fund which is only priced once at the end of the day. It takes a bit after market-close to update, so you're likely looking at yesterday's quote. It's now showing +1.12% Bob That's it. I don't check often enough to know how ...
by Saving$
Fri Aug 08, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: ITOT vs FSTMX/FSTVX
Replies: 3
Views: 364

ITOT vs FSTMX/FSTVX

Per the wiki, http://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style the equities component of the basic three fund portfolio can be achieved through both - Fidelity, using Fidelity Spartan Total Market Index Fund (FSTMX or if >$10k, FSTVX) or - Blackrock iShares ...
by Saving$
Fri Aug 08, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: ITOT vs FSTMX/FSTVX
Replies: 3
Views: 364
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