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Re: Mega bus vacation with toddlers.

Yes. Drive to NYC or even to NJ and catch the train into NYC.
by ciscovp
Fri Oct 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1814

Re: Which company would you go with? (HVAC contractor)

I will go with the person that did the load calculations. I will insist on a manual J. Ask B, if he will do a load calculation.
by ciscovp
Fri Sep 26, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Which company would you go with? (HVAC contractor)
Replies: 11
Views: 700

Re: Family Inheritance / (Family Feud)

Don't focus on the trust. Focus on building your own wealth.
by ciscovp
Tue Jan 28, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Inheritance / (Family Feud)
Replies: 16
Views: 3057

Re: King sized mattress recommendation?

Was in the market for a mattress and the replies here will definitely help.
by ciscovp
Sat Jan 11, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 5785

Re: Help Pick ObamaCare Plan?

Calm Man wrote:I am assuming that being young and starting a family you have sufficient income that you would not get subsidies. I would therefore stay as far as possible away from the government exchanges and buy on the private market.


Don't understand your logic. The health policies are from private companies.
by ciscovp
Wed Nov 27, 2013 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 2611

Re: Never too early?

First things First.

Pick a useful major and focus on getting very good grades in college.
by ciscovp
Sun Nov 24, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never too early?
Replies: 7
Views: 1212

Re: Advantages to Dual Citizenship?

I believe getting dual citizenship limits your US job opportunities. I don't believe you can get a position that requires government security clearance.
by ciscovp
Sun Nov 24, 2013 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 3195

Re: Security concerns with HealthCare.gov

Purchase needed health insurance or be so afraid of security issues trotted out at a congressional dog and pony show (that probably apply to many commercial websites as well) that one would go without. One a risk analysis basis..... gosh that's a tough one! :mrgreen: One can avoid healthcare.gov by...
by ciscovp
Thu Nov 21, 2013 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2190

Re: How do you measure up to the super-rich?

I don't. I will rather the super-rich measure up to me.
by ciscovp
Wed Nov 20, 2013 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you measure up to the super-rich?
Replies: 26
Views: 2836

Re: Security concerns with HealthCare.gov

I will not be worried. It is no less secure than the Medicare website run by the same agency.
by ciscovp
Wed Nov 20, 2013 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2190

Re: smooth top electric range

This is the reason why gas stoves are preferable.
by ciscovp
Fri Nov 15, 2013 8:19 am
 
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 2431

Re: My relatives insulted my family for 40 years and think t

greg24 wrote:How obscenely rich are you that second cousins think they are in the will?

True. No one will bother if you were a middle class struggling individual. You must be very, very wealthy for parents to tell their kids to expect something from you.
by ciscovp
Fri Nov 15, 2013 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10512

Re: My relatives insulted my family for 40 years and think t

clacy wrote:It's weird to me that anyone outside of children and a spouse would feel entitled to a relative's money, but I'm sure it happens all the time.


I guess they expect something since the OP has no children. Not sure if he is married. If he is, then the will can give the wife all the money.
by ciscovp
Fri Nov 15, 2013 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10512

Re: Making an offer on a house

Hi Folks, My wife and I made an offer on a house a few weeks back. We didn't get it, but that was mostly because we got outbid for a house we didn't believe was correctly priced. When we made an offer, we filled out a "Contract to Purchase Real Estate #501 (with Contingencies)" form from ...
by ciscovp
Mon Nov 11, 2013 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer on a house
Replies: 16
Views: 1052

Re: 2013 preliminary capital gains estimates for Vanguard

The list does not show capital gains for stock index funds.
by ciscovp
Mon Nov 11, 2013 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 preliminary capital gains estimates for Vanguard
Replies: 12
Views: 1545

Re: assuming no financial aid; how much per child in 529?

livesoft wrote:If parents put $140,000 into a 529 plan in a single year, would they miss out on any state income tax breaks for years 2,3,4, and 5?


In my state, any yearly contribution over $5000 can applied for a tax break the next year and year after that until all the contributions are applied.
by ciscovp
Sun Nov 03, 2013 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1915

Re: 401k Overcontribution

I believe you can only add after-tax contributions after you reach the $17500 limit. In your case, you have to wait until 2014. As previously mentioned, rolling over the old 401k has limited your options. I'm confused about this. If I'm allowed to contribute after-tax contributions after the $17,50...
by ciscovp
Thu Oct 31, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1135

Re: 401k Overcontribution

Your spouse's plan may not allow after-tax contribution and if they did, they would not necessarily know that her contributions were meant to be after-tax since they should know nothing about her contributions with her previous employer. At my company you tell them whether contributions are after-t...
by ciscovp
Thu Oct 31, 2013 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1135

Re: 401k Overcontribution

Just to be clear, these after tax contributions are not roth? And they do not count toward the 17,500 limit? Does anyone have any IRS pages where I can read more about these? Does the employer match count toward the 17,500 limit? I believe you can only add after-tax contributions after you reach th...
by ciscovp
Thu Oct 31, 2013 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1135

Re: The New Consumer Reports Issue on Cars

Any ranking on the Infiniti? What do you all think of the 2014 Infiniti QX-60? This is similar to the 2013 JX-35. Infiniti changed the name.
by ciscovp
Thu Oct 31, 2013 2:34 pm
 
Forum: Personal Consumer Issues
Topic: The New Consumer Reports Issue on Cars
Replies: 26
Views: 5121

Re: Pension Rollover Questions

How stable is the company?
by ciscovp
Wed Oct 23, 2013 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 445

Re: Stay put as mortgage slave or relocate?

What happens if you walk away from the old house? Normally I would not suggest walking away, but the bank does not seem to be being a good citizen either. I disagree. Bank lent OP money to live in an area she can still choose to live in. Why should the bank eat a loss on the house because she no lo...
by ciscovp
Tue Oct 15, 2013 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay put as mortgage slave or relocate?
Replies: 23
Views: 3431

Re: Quicken and Vanguard - Download Problem

How does one get rid of the vanguard message. I get them every time I download stock quotes.
by ciscovp
Tue Oct 15, 2013 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 18189

Re: Messed up my TSP rollover - what should I do?

You want to do all that work for less than 2% change in price? Just stick with your IPS and don't focus on daily changes in price.
by ciscovp
Fri Oct 04, 2013 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Messed up my TSP rollover - what should I do?
Replies: 6
Views: 671

Re: Forums for Off-Boglehead Discussion?

I don't go to other forums to read contents that will otherwise be locked here. I don't have the time and most of those discussions are usually based on personal feelings/opinions and not facts.
by ciscovp
Fri Oct 04, 2013 2:59 pm
 
Forum: Forum Issues and Administration
Topic: Forums for Off-Boglehead Discussion?
Replies: 18
Views: 1694

Re: 401K - Former employer made mistake in employer contribu

Wait and see. Most likely it will be forgiven.
by ciscovp
Fri Oct 04, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K - Former employer made mistake in employer contribution
Replies: 11
Views: 788

Re: Wife Not Interested in Working

Why not divorce, give her half and move on. Seems you don't care about her.
by ciscovp
Wed Sep 25, 2013 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Not Interested in Working
Replies: 46
Views: 3081

Re: Early payoff of the mortgage

Rental property
by ciscovp
Wed Sep 25, 2013 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early payoff of the mortgage
Replies: 22
Views: 1852

Re: TSM and TSIM in Taxable

What is TSIM?
by ciscovp
Thu Jul 04, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM and TSIM in Taxable
Replies: 8
Views: 733

Re: New 401k Vendor at Work

In addition to the questions already asked regarding cost? 1. Are in-service withdrawals allowed? 2. Do the funds hit all asset classes such as international, small-cap, etc.? 3. Any specialized sector funds such as REITs, TIPs, commodity, health care, etc.? 4. How is the .5% fee taken? -> Is it fro...
by ciscovp
Fri May 10, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k Vendor at Work
Replies: 8
Views: 518

Re: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?

No, it does not matter. Just treat it as average cost.
by ciscovp
Fri May 10, 2013 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Does FIFO, LIFO, etc. matters in 401k, rIRA, and tIRA?
Replies: 3
Views: 446

Re: Form 8606 and Turbo Tax

Look at the 1099r that was sent to you. There is a box or two that are checked. You need to make sure those boxes are also checked in turbo tax.
by ciscovp
Mon Apr 29, 2013 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Form 8606 and Turbo Tax
Replies: 17
Views: 920

Re: Selling House - Multiple Offers

This is a no brainer. Go with the non contingent offer.
by ciscovp
Wed Mar 13, 2013 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Multiple Offers
Replies: 9
Views: 1335

Re:

Years ago a guy transferred in to our office from a high radon area. I think he sold his house to the company relocation service who required a radon check. After the inspector left the canister on the basement floor and left, this guy moved it to his patio until the day the inspector returned to p...
by ciscovp
Sat Mar 09, 2013 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home buying: Radon testing myths
Replies: 38
Views: 6966

Re: How Can I Tell If My Dentist is Good One?

Check Angie's List. There are reviews of dentist.
by ciscovp
Tue Jan 29, 2013 4:10 pm
 
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 9780

Re: Dinner Guest Issues

My wife and I enjoy having social acquaintances (non-business) over for full dinners in a formal setting, i.e., not burgers on the BBQ, but rather drinks beforehand, one or two selections of meat, vegetables, etc. as well as specialty homemade breads and dessert. The menu varies greatly, sometimes ...
by ciscovp
Sun Dec 30, 2012 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Dinner Guest Issues
Replies: 149
Views: 12232

Re: Just Deleted Our Mint Account

Any suggestions for an iPad app for personal finance mgmt? I downloaded mint, but deleted it once it started asking for account details. I'd prefer something closer to spreadsheet where I enter and maintain financial data as opposed to providing access to all the accounts. What are Boglehead Mac us...
by ciscovp
Sun Dec 30, 2012 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 9215

Re: Which Financial Software do You Use?

Gnu cash.

It is free. Don't understand why folks pay for money software.
by ciscovp
Sat Dec 29, 2012 11:47 am
 
Forum: Personal Consumer Issues
Topic: Which Financial Software do You Use?
Replies: 51
Views: 3821

Re: Basic Cable and using a DVR

You can cancel cable since you are on basic cable. Go to Hulu.com and watch all the previous shows.
by ciscovp
Wed Mar 07, 2012 8:50 am
 
Forum: Personal Consumer Issues
Topic: Basic Cable and using a DVR
Replies: 13
Views: 1809

Re: Quicken 2012

Try gnucash. It has similar function as quicken and it is free.

http://www.gnucash.org
by ciscovp
Wed Mar 07, 2012 8:45 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2012
Replies: 29
Views: 2022

Re: Location drawing vs. Boundary survey. Which to choose?

I am purchasing a home and just got a note that a licensed surveyor will be required to prepare a survey. Closing in a month. I'm curious what has triggered this requirement. Do you know? I've bought several houses and have never done either of these. I guess it is similar to owner title insurance....
by ciscovp
Sun May 01, 2011 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Location drawing vs. Boundary survey. Which to choose?
Replies: 11
Views: 1223

Consensus is for the boundary survey. I will go for this option.
by ciscovp
Sun May 01, 2011 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Location drawing vs. Boundary survey. Which to choose?
Replies: 11
Views: 1223

Location drawing vs. Boundary survey. Which to choose?

I am purchasing a home and just got a note that a licensed surveyor will be required to prepare a survey. Closing in a month. I am asked to choose between two types of surveys: Location drawing: This is a quick and inexpensive approach to locate structures, improvements, etc in their approximate rel...
by ciscovp
Sun May 01, 2011 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Location drawing vs. Boundary survey. Which to choose?
Replies: 11
Views: 1223

Most likely you need to stay 6 months on the job before you can get a mortgage.
by ciscovp
Sun Apr 03, 2011 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Qualifying for a mortgage (new job)
Replies: 3
Views: 832

No poll is completely anonymous. Even employee surveys which are deemed "anonymous" are not.

Someone can still track the ip address (or other records) of the source to determine the individual. There is always a trace left....
by ciscovp
Sun Mar 27, 2011 9:47 am
 
Forum: Forum Issues and Administration
Topic: Are polls completely anonymous?
Replies: 32
Views: 5380

It has to cost the states a lot of money to process paper returns. I don't know why they can't work out some modest payment to Turbo Tax etc to pay them a small fee for each state return filed and thereby get a very high % of e files? Or reduce tax liability for e filers by $X -- It just seem so st...
by ciscovp
Sat Mar 26, 2011 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 20
Views: 2979

Re: Not original

Ice-9 wrote:
ciscovp wrote:I believed hockey copied this shootout from soccer. In soccer, there is the penalty kick.


Well, there were penalty shots in hockey long before there were shootouts...


Meant game ending in a shootout after a tie. Soccer has been using penalty kicks to determine a winner.
by ciscovp
Wed Mar 23, 2011 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Hockey fans -- do you like shoot-outs?
Replies: 57
Views: 4159
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