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by Saving$
Sun May 10, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants left and we end up with a flooded basement and no insurance coverage
Replies: 35
Views: 3571

Re: Tenants left and we end up with a flooded basement and no insurance coverage

Have your read your lease? Many leases contain a clause stating tenant is responsible for paying utilities through their lease term. Thus if tenant had unit through May, tenant is responsible for paying through May. Your property manager is responsible for making sure the tenant does this. In order ...
by Saving$
Sat May 09, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3943

Re: Brand Loyalty

Costco - price & quality Amazon - at least I know they are a legitimate online retailer and not stealing my cc number Tide laundry detergent - because I was having skin problems with others and it stopped with the Tide, so I stopped switching. New Balance shoes - because they consistently fit an...
by Saving$
Fri May 08, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I keep my EF? [Emergency Fund]
Replies: 11
Views: 1061

Re: Where should I keep my EF?

1. My debts require me to pay $400/month, but I've been paying $800/month to pay them off faster. Should I continue doing that, or should I move some of the excess $400 into my EF? Based on your response below that the interest rate on the debt is all below 5%, I would not recommend paying extra on...
by Saving$
Fri May 08, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5355

Re: Stop contributions to retirement accts due to future RMDs

Well, it is an interesting question, and one I have been wondering about as well. I think there is probably some formula we could devise that would provide the break even point. We would have to make assumptions about average annual return and tax rates - I'd assume current rates & rules continu...
by Saving$
Fri May 08, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Family + Rental Property + Interesting Scenario
Replies: 22
Views: 2166

Re: Advice Needed: Family + Rental Property + Interesting Scenario

This should not be a financial analysis, it should be a relationship analysis. As a financial decision, it is probably not a sound financial decision. The cons probably outweigh the pros. As a relationship decision, it is definitely not a sound decision. The cons totally outweigh the pros. Based on ...
by Saving$
Thu May 07, 2015 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: transfer taxes
Replies: 4
Views: 475

Re: transfer taxes

Why don't you just help your father open an Amex savings account, and he can get the same 0.9% interest rate? Tax-wise, that is alot cleaner.
by Saving$
Thu May 07, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans by selling house
Replies: 43
Views: 2572

Re: Paying off student loans by selling house

In your situation here is what I would do.... 1. Get married 2. Move your wife into your house. 3. Working together, aggressively pay off her student loans. Don't have babies until you are done. 4. While you are working on paying off the loans spend alot of time deciding where you'd like to buy you...
by Saving$
Wed May 06, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Investment Real Estate Tax Avoidance Strategy?
Replies: 4
Views: 371

Re: Investment Real Estate Tax Avoidance Strategy?

Would you be opposed to 1031'ing into a real estate partnership that has triple net deals? I've read that is one way to avoid the taxes and get rid of the day to day management but still stay invested in RE. These are often called 1031 syndications.
by Saving$
Wed May 06, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Budget allocation between LARGE student loan burden and Retirement_Updated details
Replies: 26
Views: 2133

Re: Budget allocation between LARGE student loan burden and Retirement_Updated details

1. Get rid of Larsen financial planner. Move the Roth IRA's and taxable fund to Vanguard now. 2. 401k for you and spouse up to the match 3. Max out Roth for you and spouse. Use the Roth as an emergency fund 4. Lower expenses and aggressively pay down the debt 5. Sell the taxable and pay cap gains no...
by Saving$
Wed May 06, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best current cash/gift card for Grad gifts, etc
Replies: 5
Views: 483

Best current cash/gift card for Grad gifts, etc

Graduation time is upon us again, and when asking around for what the best gift would be, most young people just want cash or a gift card. So what is the best general, non-retailer specific gift card out there that has either no or the lowest fees? - Amex charges $3.95 purchase fee no matter how muc...
by Saving$
Wed May 06, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans by selling house
Replies: 43
Views: 2572

Re: Paying off student loans by selling house

Does not sound like a good idea, from both a financial and relationship point of view. Financial You need to pay for housing anyway. How much per month will you save if you sell your place and rent (cost of PITI, maintenance vs rent)? Good advice above re: student loans can be deferred, tax deductib...
by Saving$
Wed May 06, 2015 5:39 am
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 1533

Re: Nutribullet or Ninja extractor?

Can't comment on the extractor, but I have been very happy with the Ninja Blender for making smoothies. Use mine about 2x week for going on three years.
by Saving$
Tue May 05, 2015 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity GPS problems
Replies: 13
Views: 1149

Re: Fidelity GPS problems

Mine stopped showing Thursday as well. Showed up again this evening.

Like others, I found this sometimes happens. I have no clue why. Now I'm wondering if it happens more to coincide with the end of the month when statements come out??...
by Saving$
Tue May 05, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Fidelity AMEX with Citibank Double Cash
Replies: 14
Views: 1747

Re: Replace Fidelity AMEX with Citibank Double Cash

czr wrote:... I still have other cards to get 5% restaurants....


Please tell us which one that is??
by Saving$
Mon May 04, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

Re: How To Find The Best Doctor

For PCP, your interaction with them may be as important as their skill. If you can't communicate, your care will suffer. For specialties, I've learned to ask a different question. The PCP might say "I can recommend Dr. X." I'm very direct and ask "have you personally or someone in you...
by Saving$
Mon May 04, 2015 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Family + Rental Property + Interesting Scenario
Replies: 22
Views: 2166

Re: Advice Needed: Family + Rental Property + Interesting Scenario

Tell her you care about and enjoy her company far too much to take any chance of mixing business with family. If you did not like her so much it would not bother you, but because she is such a great person, you really want to keep the relationship warm. Offer to help her find another place to rent o...
by Saving$
Mon May 04, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Do I need another credit card?
Replies: 16
Views: 1131

Re: Do I need another credit card?

I have had occasional problems when a credit card number in compromised and had to be cancelled so having a backup card is good in case this happens when you are out of town. One in a a while something will happen and they will freeze the card with a fraud alert too. You might look at getting a car...
by Saving$
Mon May 04, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to mortgage when house is willed to non-spouse?
Replies: 22
Views: 2155

Re: What happens to mortgage when house is willed to non-spouse?

Maybe I did not do this properly when I was executor...but... When you die, everything you own becomes owned by your "estate." Your estate even needs to get a tax ID. So your estate pays your mortgage for a few months while your estate is figuring things out. If your estate is leaving the ...
by Saving$
Sun May 03, 2015 11:15 pm
Forum: Investing - Theory, News & General
Topic: Financial reasons to get a summer job?
Replies: 36
Views: 1836

Re: Financial reasons to get a summer job?

Sophomore son is back from college for the summer, and does not (yet) have a summer job. ... What are the advantages? There are no local jobs in his field of study (computer science). So, the local option is the pizza place. Any thoughts? The advantage to him getting a job this summer (paid or unpa...
by Saving$
Tue Apr 28, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 34
Views: 1990

Re: Need tips on taking HS student on college tour

Thanks for all the replies. I sincerely appreciate fellow Bogleheads taking the time to reply - very helpful info. I had no idea about Http://nces.ed.gov, Naviance, the Common Data Set or making sure he is the one scheduling the visit. These will be great things to discuss with him. Like many teenag...
by Saving$
Mon Apr 27, 2015 8:57 pm
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 34
Views: 1990

Need tips on taking HS student on college tour

I need some advice about taking a 16 year old rising HS junior to visit colleges. He is an excellent student, and very bright. Over the holidays we talked about what he wants to study in college (STEM). He was non-committal about which schools he had an interest in, and he replied he probably would ...
by Saving$
Sun Apr 26, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidelity taxable brokerage
Replies: 38
Views: 2407

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

I selected Fidelity but not for the reasons you listed. I wanted everything at one broker for simplicity. I also needed a Solo 401k and needed to roll a pretax IRA into it to qualify for backdoor Roth. Since Vanguard did not allow this, I went with Fidelity. I've kept it at Fidelity because Vanguard...
by Saving$
Thu Apr 23, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 2256

Re: Anyone Manually Manage Quicken?

Gill wrote:Yes, I enter everything manually in Quicken and download nothing. I prefer it that way.
Gill

Me too.
I enter all transactions - cash, cc, bank, investment, assets, etc. Went from Q92 or something, to Q99 to Q10. Have all transactions since sometime in '94.
by Saving$
Wed Apr 22, 2015 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1850

Re: Help Requested: How many ETFs & Index Funds is too much?

I currently only have a Roth IRA but am planning to do half and half for 2015 contributions, for example $2,800 in Traditional IRA which I just opened but has $0 and $2,700 in Roth IRA, so I have tax diversification through the years and when I retire...I can pull some $ out at a lower tax rate and...
by Saving$
Sun Apr 19, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 7091

Re: Single best piece of personal finance advice ever receiv

In addition to the above: - Money will not make you happy, but not having enough can certainly make things difficult - It is ALL about choices - the choices you make. EVERY DAY you get to make choices that will determine if, when you go out to eat, you read the menu left to right, or right to left. ...
by Saving$
Sun Apr 19, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 7091

Re: Single best piece of personal finance advice ever receiv

from someone on this board a few years ago:
The single biggest financial decision of your life is person you chose as your spouse/partner...
by Saving$
Sun Apr 19, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Limiting Financial Institution "Sharing Personal Info"
Replies: 1
Views: 249

Limiting Financial Institution "Sharing Personal Info"

Each year, I receive a privacy disclosure from each financial institution, outlining if and how they share my "Personal Information." I believe they are legally required to send these disclosures. One of the sections on the disclosure form indicates if you can limit the sharing of info, an...
by Saving$
Sat Apr 18, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

Thank you to everyone who replied. I might be the only one who did not know this, but I'll post just in case there is another music dinosaur out there. Goal was to figure out a way to play music through the old stereo receiver & speakers & access entire music library without changing CD's, t...
by Saving$
Sat Apr 18, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

Looks like maybe WinAmp is back... PERFECT!!! thank you so much. I'm looking into that now. Any technical problems with this plan? 1. WinAmp on computer and create playlists, etc. 2. WinAmp on old Android phone, sync with computer for playlists, etc. 3. Plug phone into receiver some sort of way (ei...
by Saving$
Sat Apr 18, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1884

Re: What Is The Worst Car You Have Ever Owned?

Acura - sold it at just over 100k miles after putting in a new transmission, ac, and four brake jobs... and I had bought it used, so I got less than 14k miles per set of brakes...
by Saving$
Sat Apr 18, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

The other cheap steaming option that hasn't been mentioned is Chromecast. $29 ChromeCast http://www.amazon.com/Google-Chromecast-Streaming-Media-Player/dp/B00DR0PDNE $30 HDMI to RCA Converter http://www.amazon.com/ViewHD-Premium-Extractor-Converter-VHD-H2HSAs/dp/B00KBHX072/ref=sr_1_1?s=electronics&...
by Saving$
Sat Apr 18, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

My amplifier has a USB port on the front, if I had your list of requirements I would plug an Ipod into it. Second choice would be a USB stick. Since you have an Android phone that plays via your receiver, upload all your MP3 music to free cloud storage Google Play Music, and you can stream it from ...
by Saving$
Fri Apr 17, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 1985

Re: M* Article today 4/17 on ATT's shaky dividend

I feel your pain. I helped a friend with the EXACT same issue. My friend acquired the stocks starting in the late 60's, through the '70's, and they were also held at Compushare. My friend owned original ATT and had no records of how many shares were acquired on what date. With the 1984 divestiture, ...
by Saving$
Fri Apr 17, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

If you want to do something quick and easy, an Android phone or iPod would work. I plug my iPod into the RCA input jacks on the front of stereo receiver using a $10 cable I bought on Amazon. There's two options - either use the output from the headphone jack on the phone or for a little better qual...
by Saving$
Fri Apr 17, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Home stereo system conversion to digital

I'd like to enter the 21st century music-wise, and convert from CD changer & tape deck to a digital music system. Ideally, my parameters are as follows: 1. Prefer not to use Apple products - have never owned any and don't really understand IOS. 2. I have a version of this started - I burned all ...
by Saving$
Thu Apr 16, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1358

Re: Can I open solo 401K on 2500$ self employed income

Yaz wrote:I just called Vangaurd . You cannot rollover IRA into a Solo 401K .


Correction: Vanguard will not allow you to rollover an IRA into a Solo 401k.
Other providers will; Fidelity is a popular one on this board that allows this.
by Saving$
Sun Apr 12, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2074

Re: Unsolicited offers to buy your house

I get these all the time. Probably 6-8/week. Got one this week in which the investment company enclosed a 12 page purchase agreement contract all filled out except for the price... I figure if they are for real, they would offer a price.
by Saving$
Sun Apr 12, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2667

Re: Career and college advice for current HS students

Most important advice for any of these fields: Be the type of employee you would hire if you owned the company. You don't have to be the best, smartest, etc., but you need to show up, act and look respectable, be willing and eager to learn, be willing to work and not expect to be in charge overnight...
by Saving$
Sun Apr 12, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 48
Views: 3015

Re: Password manager recommendations?

Keepass, because 1. It is free; very Bogleheadish 2. It gets ported to pretty much any operating system shortly after that system comes out. I've used it on Palm, Blackberry, Windows, Android, Apple...all free. 3. It is open source, so it's encryption is constantly scrutinized by people who know abo...
by Saving$
Sat Apr 11, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: [Unclogging sewer line - is this technique worth?]
Replies: 11
Views: 1023

Re: Does anyone know about this?

Does not seem to be any advantage to use a more expensive method that probably is less effective (essentially power washes away what is clogging the pipe, leaving the root or whatever everything it catching on there. This should not happen, so you need to figure out the cause. Once you figure that o...
by Saving$
Wed Apr 08, 2015 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 5224

Re: Considering Doing My Own Investing...but I'm not sure I

I had an entire post and it disappeared - not going to rewrite it so the summary is: Move one account at a time; start with tax advantaged. Keep it simple, so if you already have accounts at a low cost provider consider using them (ie Fido) Move the account in kind so you sell AFTER they get to the ...
by Saving$
Tue Apr 07, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Gaps in newly installed flooring?
Replies: 3
Views: 613

Re: Gaps in newly installed flooring?

This is interesting. Vinyl tends to become harder and more brittle the colder it gets. Perhaps it also shrinks a bit. Perhaps it was warmer when installed. However the link you gave states the core will not expand or contract under normal conditions. That leaves either manufacturing, installation or...
by Saving$
Tue Apr 07, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14045

Re: Family member asking for money

I'm posting just to thank everyone for posting these widely divergent views giving money to family and financial situations. This has really made me think ALOT and the different viewpoints are really helpful.
by Saving$
Tue Apr 07, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 36
Views: 3241

Re: Rental flooring decision

One thing I would recommend with laminate flooring is to ask if it can be refinished (or more specifically screened). Some are thick enough that you can screen (basically scuff up the surface with an abrasive pad on a floor buffer or floor orbital sander) and apply a new layer of finish. This would...
by Saving$
Tue Apr 07, 2015 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: VG Target Funds vs VG Index Funds for grandchildren
Replies: 18
Views: 1395

Re: VG Target Funds vs VG Index Funds for grandchildren

The grandchildren are 4 and 1. We'd like the funds to be available for college if needed, but we don't want the fund to interfere with scholarships/grants or cause any tax consequences for them or the parents. We also would like low fee investments. Thank you. Neither a custodial account or a 529 w...
by Saving$
Tue Apr 07, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking for personal finance advice-am I doing right?
Replies: 13
Views: 1345

Re: Seeking for personal finance advice-am I doing right?

About recharacterization, probably worth not doing for 2014 one. I shall invest hers to roth IRA from 2015 portion. I have thought Roth IRA is not allowed as she doesn't have income source, but it sounds she is eligible for. Yeah, I did not know it was allowed either until I started hanging out at ...
by Saving$
Mon Apr 06, 2015 11:02 pm
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1061

Re: Fix in Fidelity Full View

Thanks Livesoft - I've often wondered why the amounts in FullView/GPS are a day old vs the amount on the Portfolio Summary and Portfolio Positions tab, which are each only a click away...it seems like Fidelity's own data should be more accurate than outside data, but I don't think they really care t...
by Saving$
Mon Apr 06, 2015 10:33 pm
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1061

Fix in Fidelity Full View

It appears Fidelity recently fixed one of the problems with its "Full View" app such that I can now see the asset classes of outside accounts which were once listed as "Unknown." This fix appeared within the last few days. Perhaps this news is helpful to someone who wants to use ...
by Saving$
Mon Apr 06, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 5224

Re: Considering Doing My Own Investing...but I'm not sure I

Although Fidelity has the low cost Spartan index funds, they also have advisers that want to sell you more expensive funds. I would go with Vanguard, as almost everything is low cost so any suggestions there could be trusted as not self-serving, and you could always run their suggestions by here as...
by Saving$
Mon Apr 06, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3184

Re: Buy a condo for college student or rent?

The potential downside to this has a high probability, so to me it would not be worth the risk to get the upside. You are talking one bedroom unit, so presumably no roommates. This means when she graduates you either have to sell or become a landlord. Many, if not most, condo associations have rules...

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