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Re: HSA dates of reimbursement question

Thank you, jebmke.
by bagelhead
Sat Feb 15, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 132

HSA dates of reimbursement question

Is the date for HSA reimbursement and the year from which the HSA funds are deducted based on the Visit date, Invoice date, or the Payment date? For instance, if the doctor's office visit was in December 2013, and the Invoice date was Dec 2013 vs. Jan 2013? (Or the Payment date was Dec 2013 vs. 2014...
by bagelhead
Sat Feb 15, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 132

Re: Synthetic engine oil worth better/cheaper in the long ru

Reviving this thread with a question...

Some brands say to change the oil within X number of miles or 1 year, whichever comes first. Is there a reason for the 1 year time limit? (re: a lightly driven car that needs changing every 10,000 miles.) Do synthetic oils "break down" over time?
by bagelhead
Tue Feb 11, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 8998

Medicare 20% cost sharing

Hi, I am unfamiliar with Medicare payments. In addition to the monthly premiums, if one is hospitalized for a few expensive days, do they have to pay a $1200 deductible plus 20% of physician fees? Is there any cap to these amount per visit or per year? What if the person is also on Medicaid, say in ...
by bagelhead
Sun Dec 29, 2013 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare 20% cost sharing
Replies: 4
Views: 533

Savings by buying house with cash

Approximately how much would one save (in misc. fees/costs) by buying a house outright with cash? Let's say, for a $300,000 or $600,000 house.

This information would help someone decide whether the extra years it takes to save the cash (with low taxable interest) is worth it. Thanks!
by bagelhead
Sun Dec 29, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings by buying house with cash
Replies: 4
Views: 657

Amazon Video/Netflix: Kids Educational Videos

Hi all,

Do you have any suggestions on good young children educational videos on either Amazon Video or Netflix?

Thank you.
by bagelhead
Thu Nov 28, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Video/Netflix: Kids Educational Videos
Replies: 4
Views: 390

Weekend Trips with Young Children in Texas

Hi all,

Do the Bogleheads have any recommendations on things to do in Texas with young children? Could be a weekend or full week getaway (half a day drive) or even a day trip. Could even be in a nearby state (such as Shreveport).

Any and all ideas are appreciated!
by bagelhead
Thu Nov 28, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Weekend Trips with Young Children in Texas
Replies: 4
Views: 408

Best Sofa with Young Children

Hi, I've gotten different advice regarding what type of sofa to get for a family with young children, who will spill liquid/foods, jump on and throw around the cushions, etc. Some people have said not to get a light color. Other people have recommended leather. Sectional corner sofa's vs. multiple s...
by bagelhead
Tue Oct 22, 2013 10:00 am
 
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 1996

Best washing machine settings

What is the most efficient (cleanest with the least use of energy/water) way to clean clothes using a front-loading washing machine? Underwear, Heavily soiled clothes - Is it necessary to use the "Extra Hot" setting to kill all germs? (Is bleach a better way to kill germs with whites, rath...
by bagelhead
Thu Oct 10, 2013 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Best washing machine settings
Replies: 16
Views: 1485

Covered parking

Is covered parking (in a hotter climate without snow) worth an extra $50/mo per car?
by bagelhead
Tue Jun 11, 2013 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Covered parking
Replies: 8
Views: 951

Backyard Renovation

Hi, There are several threads on building or renovating a house but not too much on backyard ideas. What are some great backyard items for a family with children who hosts guests (ideally with an eye towards value)? Such as... - Heated pool (with fence) - Home jungle gym - Covered patio with fan - O...
by bagelhead
Tue Jun 04, 2013 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Backyard Renovation
Replies: 7
Views: 711

Selling older car vs. keeping it for low level use

Hi, What are your thoughts on selling an older but fully functional car vs. keeping it for occasional use? Older car - 7 years old - worth around $7000 - need a new car for more utility Occasional use - few weeks a year for guests use - few days a month for nice-but-not-necessary use - 3000 miles of...
by bagelhead
Tue Jun 04, 2013 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 27
Views: 2273

Re: Funding a 401k while Retired

What FICA taxes does a retired 70+ year old person under independent contractor status pay? Is it the full 15.3%? If so, there isn't much of a benefit for deductibility since they are likely already in a low tax bracket, right?

Thanks!
by bagelhead
Sun Apr 21, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 609

Funding a 401k while Retired

Hi, If one is "retired" but works part-time as an independent contractor, and has a taxable brokerage account, can he: - deposit the part-time income into a self-employed 401k - withdraw an equivalent amount of money from a taxable account The goal would be to reduce AGI to avoid taxation ...
by bagelhead
Sun Apr 21, 2013 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 609

Collecting Social Security at 67, Taxes on part-time work

Hi,

If one is collecting Social Security at full retirement age, and that person works part-time as an independent contractor, does he have to pay Social Security tax? If so, will this payment increase his benefits?

Thanks.
by bagelhead
Wed Apr 17, 2013 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Collecting Social Security at 67, Taxes on part-time work
Replies: 3
Views: 531

Re: House facing direction and Solar heat

Great discussion. The original question was really an academic exercise but one that, if you know the answer to, you might apply to real life analysis. In a latitude like Florida or Texas, I'm surprised people say South would be hotter than West... Although the sun is constant, the indirect angle mi...
by bagelhead
Sat Apr 06, 2013 9:27 pm
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2275

Re: House facing direction and Solar heat

All else equal, assuming only 1 side of the house with windows for arguments sake, which is cooler for each of these 3 comparisons: 1. "N vs NE" - so far, consensus is N is cooler than NE 2. "SE vs S vs NW" - so far, consensus is NW is cooler than SE is cooler than S 3. "SW ...
by bagelhead
Wed Apr 03, 2013 12:16 pm
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2275

Re: House facing direction and Solar heat

For which side, let's assume the house is a cube with only 1 side of windows, the rest walls. Which way should the window-side face to reduce the most heat (all other variables equal, assume Florida as the location)?
by bagelhead
Wed Apr 03, 2013 12:08 am
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2275

House facing direction and Solar heat

Could the group come to a consensus on what they believe is the best direction (in order, 1 to 8) that a house should face if the goal is to reduce the amount solar heat (during the afternoon and evenings since most people work during the day)? Coolest 1. N 2. NE 3. E 4. SE 5. S 6. NW 7. SW 8. W Hot...
by bagelhead
Tue Apr 02, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2275

Re: Solo-401k: Over-deposited, how to reverse?

Actually, I only deposited a small amount (much < $17,500) and need to reverse it. I am assuming that the Corrective Distribution does not apply in this scenario? Are there any other solutions? Here is a link to the "reversion" tax... which I am unable to interpret. http://www.law.cornell....
by bagelhead
Tue Feb 05, 2013 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 287

Solo-401k: Over-deposited, how to reverse?

If one deposited too much money into a Solo-401k for 2012, does anyone know how to reverse this? The Fidelity representative said the two options would be to 1) carry the funds over to 2013 and pay a 10% penalty; or 2) talk to your accountant about "reversion", which may or may not have a ...
by bagelhead
Tue Feb 05, 2013 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 287

.

no response.
by bagelhead
Thu Jan 31, 2013 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 1
Views: 237

Mother-In-Law Suite/Apartment

How much would it cost to renovate an existing home to carve out an attached but separate (sound-insulated wall, private entrance) mother-in-law type of suite (1-BR, office, living room, 700 sq-ft)? How much would it cost to convert a 3-car garage into a similar mother-in-law type of suite, assuming...
by bagelhead
Mon Jan 14, 2013 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law Suite/Apartment
Replies: 20
Views: 5616

Re: Get a Scanner!

How do you guys organize the files once they are scanned?

By date, topic, etc.?

PDF's in Folders?
by bagelhead
Fri Jan 11, 2013 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 6715

Re: Buy/Rent: Need advice on non-obvious calculation

The obvious answer is to buy the house and rent it out for $1900 a month and then rent an apartment to live in until you decide where you really want to live. If the numbers are as you describe, the return on a $12,500 investment is very high, counting the rent cash flow, tax deduction, and depreci...
by bagelhead
Wed Dec 26, 2012 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy/Rent: Need advice on non-obvious calculation
Replies: 6
Views: 695

Buy/Rent: Need advice on non-obvious calculation

Please let me share the situation. I had originally thought Renting initially would be a no-brainer but, after looking into the details a little more, I'm not so sure. THE BACKGROUND The person is moving to a new area. There is a small chance the person will leave within a few years but otherwise an...
by bagelhead
Tue Dec 25, 2012 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy/Rent: Need advice on non-obvious calculation
Replies: 6
Views: 695

Re: IPAD: Shared or Separate Usernames re: Apps

Hi Mel,

Does this app allow Applications do be shared?
by bagelhead
Sat Dec 22, 2012 11:41 pm
 
Forum: Personal Consumer Issues
Topic: IPAD: Shared or Separate Usernames re: Apps
Replies: 8
Views: 918

IPAD: Shared or Separate Usernames re: Apps

We have purchased an Ipad for our parents, who often watch our kids. We would like them to have access to all of our purchased applications, many of which are children's applications. Is there any way to do this without setting up their Ipad using our Apple ID? Is there any disadvantage to doing thi...
by bagelhead
Sat Dec 22, 2012 10:33 pm
 
Forum: Personal Consumer Issues
Topic: IPAD: Shared or Separate Usernames re: Apps
Replies: 8
Views: 918

Business credit card

Do you recommend obtaining a separate Business Credit Card for a moderate amount of business-related expenses? Or should one just use his Personal Credit Card and keep meticulous records?

How do you handle dual-use expenses such as Gas, Cell phone, Internet, etc.?

Thanks!
by bagelhead
Thu Dec 20, 2012 2:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Business credit card
Replies: 8
Views: 540

Keeping track of Sales Taxes (for deduction)

Hi, 2013 will be the first year that I will need to keep receipts and detailed records for the itemized sales tax deduction. For those who have successfully done this, can you share your detailed strategy tips and technology tools to do this? - Quicken vs. Excel (add a column for sales tax) - Manual...
by bagelhead
Wed Dec 19, 2012 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping track of Sales Taxes (for deduction)
Replies: 10
Views: 1308

Re: Heated pool costs

Thank you all for your thoughtful comments. If one is renting a house, how much would it cost to install a gas/propane heater? If one moves to a different house say in 1-year, how much would it cost to "uninstall" and "re-install" the gas/propane heater at the new house? Are ther...
by bagelhead
Fri Nov 09, 2012 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1103

Heated pool costs

Hi, I reviewed prior Boglehead threads on pool costs and also read a bit on the internet. Is the following reasonable for total costs of a reasonably-sized heated pool: Assumption: Heat pumps last longer and have lower operating costs than gas heaters, but one will likely not recoup the higher initi...
by bagelhead
Tue Nov 06, 2012 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1103

American Express: Fidelity FIA card

Hi, Two part question... Does the Fidelity FIA American Express credit card have all of the same perks as a "regular" American Express credit card? What are some things that you specifically use your AmEx for? - Expensive items for warranty extension - Car rentals for better coverage - etc.
by bagelhead
Tue Oct 16, 2012 10:55 pm
 
Forum: Personal Consumer Issues
Topic: American Express: Fidelity FIA card
Replies: 1
Views: 370

Two home offices

If one's still-working parents live with them for free, and they work from home, can the homeowner deduct the parent's home office from their taxes? What about if the homeowner also has a home office himself?
by bagelhead
Tue Oct 16, 2012 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two home offices
Replies: 3
Views: 427

Buying multiple plane tickets

Is there a strategic way to buy multiple plane tickets at the lowest cost with adjacent seats? I noticed selecting, say, 4 tickets on Kayak significantly increases the average price of a ticket. Does this significant price increase simply reflect the individual prices of each ticket (2nd ticket is m...
by bagelhead
Tue Oct 16, 2012 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Buying multiple plane tickets
Replies: 7
Views: 1001

Texas Real Estate: Rent vs. Buy

Hi, Texas has a unique real estate situation in that the housing is inexpensive, but property tax is very high (2.0-2.5%). For housing that would sell for around $400-500k, comparable rentals seem to be around $2000-2500/month. Also, most people in these nicer neighborhoods buy rather than rent, so ...
by bagelhead
Mon Oct 01, 2012 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Texas Real Estate: Rent vs. Buy
Replies: 23
Views: 1986

401k $17k limit question

Hi, I have a question regarding the $17k annual limit for 401k deposits. My colleague worked at one company for the first 6 months of this year and deposited about $11k into a Fidelity 401k. He now has a separate Schwab 401k available at a new company for the remainder of the year. How can he precis...
by bagelhead
Mon Jul 09, 2012 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k $17k limit question
Replies: 6
Views: 1658

Toddler educational supplements

Hi,

Do you know of any particularly great educational items/tools/apps/curricula for a 2-3 year-old toddler? For example, arts and crafts kits, puzzles, iPad educational apps, nursery school "curriculum", etc.

Thanks!
by bagelhead
Mon Jun 11, 2012 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Toddler educational supplements
Replies: 7
Views: 763

Term life insurance: use 2 different companies vs. same co.?

Hi, If one is buying two separate overlapping term life insurances (10-year and 20-year), is there any significant advantages or disadvantages between using different companies or the same companies? The only thing I can think of is, advantage : diversifying companies in case of failure, although th...
by bagelhead
Mon Jun 11, 2012 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance: use 2 different companies vs. same co.?
Replies: 3
Views: 697

Re: Quick SS question re: when to take

Thank you for such thoughtful replies, everyone.

I'm not sure I fully understand, but is the bottomline consensus for the Husband to delay to 70 years and the Wife to take at 62 years while still continuing to work if she desires (she brings in $15-30k per year gross)?
by bagelhead
Sun Dec 11, 2011 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick SS question re: when to take
Replies: 15
Views: 666

Quick SS question re: when to take

I know there are lots of threads regarding the topic of when to take SS but, if you could please give a recommended age and a brief reason why, that would be greatly appreciated: Husband: currently 65, perfectly healthy, 95 year old parents. Wife: currently 60, significant health problems. Both work...
by bagelhead
Sun Dec 11, 2011 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick SS question re: when to take
Replies: 15
Views: 666

Re: Redshirting school age children

Thanks for the replies. Please try not to read into my question phrasing, epilink or relentless, as I purposely attempted to word my question in a neutral way (an obvious fail). I just want to better understand the thinking and hard-and-fast rules of both sides of the argument, as my (future) child(...
by bagelhead
Sun Nov 27, 2011 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 4642

Redshirting school age children

Hi all, What are your thoughts on "redshirting" a school age child? Is there any mechanism that allows the school district to prevent this? For those who don't know, redshirting is when the cut off birth date for entering kindergarden is, for example, September 1 and the child in question ...
by bagelhead
Sun Nov 27, 2011 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 4642

Re: Hawaii + Owning vs. Renting house

Thanks for the replies.

This was actually more of a tax question than a general rent-vs-buy question, specifically with respect to comparing investing in 401k/IRA vs. buying real estate, given the variables of high tax bracket, high state income tax, AMT, etc.
by bagelhead
Tue Nov 08, 2011 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hawaii + Owning vs. Renting house
Replies: 4
Views: 485

Hawaii + Owning vs. Renting house

For a dual-income family making $450k (one independent contractor, one employee), is it better to: A) maximize IRA/401k's ($50-100k per year) and RENT an equivalent house. B) BUY an equivalent house, which would significantly reduce the amount put into IRA/401k's (but equal exactly the total numeric...
by bagelhead
Tue Nov 08, 2011 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hawaii + Owning vs. Renting house
Replies: 4
Views: 485

Thank you all for your replies. We live in CA, which has a 9% marginal tax rate, so state income taxes and charitable contributions alone will top the standard deduction. I guess my number one concern deals with the job-related deductions: not knowing the nuances of whether a grey area is deductible...
by bagelhead
Mon Oct 03, 2011 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I do my own taxes?
Replies: 28
Views: 2999

The fund's strategy is spelled out in the prospectus. 80% in U.S. Treasury securities . The have some leeway with the other 20%. A lot of funds with Treasury in their names have the same policy. Fidelity's Treasury index funds, for example. I own FLBIX and am trying to determine if it is 100% Treas...
by bagelhead
Mon Oct 03, 2011 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Gov. Mortgage-Backed in Vanguard Treasury Funds
Replies: 24
Views: 3333

Should I do my own taxes?

Hi, It seems like many Bogleheads recommend doing one's own taxes with Turbo Tax. Our tax situation is mildly complex but, as of this year, I haven't learned the in's and out's regarding taxes. Our situation is as follows: my wife and I are both employed (not self-employed), do not own a house, and ...
by bagelhead
Mon Oct 03, 2011 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I do my own taxes?
Replies: 28
Views: 2999

If cars run most efficiently (power yielded per energy input) at a moderate RPM -- just like bicycling in the "correct" gear yields the best combination of effort and speed -- then which is more efficient: 1. Accelerating moderately to RPM's in 3000's, up to the desired speed, then cruisin...
by bagelhead
Sun Sep 25, 2011 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Hypermiling: The Art of Squeezing MPGs
Replies: 184
Views: 18332

If I am understanding correctly: For higher marginal tax bracket incomes, they should max out 401k/IRA's (even to $65k) before they seek a home for the mortgage interest deduction. As a corollary, buying a home for tax advantages is secondary to the 401k/IRA tax advantages and should only be pursued...
by bagelhead
Tue Sep 20, 2011 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: $65k via IRA/401k accounts vs. Mortgage interest deduction
Replies: 6
Views: 908
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