Bogleheads.org

If one has a HDHP and negotiates and pays instead of submitting the bill to their insurance, doesn't that mean that the expense does NOT apply to their deductible? If one keeps doing that then they essentially don't have health insurance at all because their deductible will never be met and they wi...

If one has a HDHP and negotiates and pays instead of submitting the bill to their insurance, doesn't that mean that the expense does NOT apply to their deductible? If one keeps doing that then they essentially don't have health insurance at all because their deductible will never be met and they wi...

This used to work well for me, but recently I discovered that the 25% discount to the cash customer was still far more expensive than the insurance rate, which is often far more than 25% off the "list price" I asked for a discount on the amount they submitted to my insurance and that they...

I completely disagree with advise given that you walk into ER and start negotiating cash rates vs. your insurance rates! Number one, if it's not emergency and you have HDHP, you would not be there in the first place - you don't want to pay $1K or more if you could wait to see your doctor whom you k...

Does the insurer negotiate a good rate for customers who have a high deductible ($3000)? Or am I treated as a cash customer and will end up with a large bill? It's all negotiable. You can either take their rate and have it counted against your deductible. Or you can ask to be treated as a cash cust...

Don't tie yourself down to a property unless you have long-term clarity on your employment and family situations.

In the meantime, be glad your apartment's maintenance is not your responsibility.

I would think giving someone access to your primary bank account (and/or routing number which is available at the bank) could open you up to problems. Every time you write a check you give someone your bank account and routing numbers. Why is it acceptable to give your primary bank account and rout...

It kind of seems scary in that we would be giving them our bank account number

In Europe, landlords insist on being paid directly to their bank account and give their account out freely. In America, it is considered "scary". I don't know why.

I know conventional wisdom says one should not own long-term treasuries because of interest rate risk. However, they seem to be inversely correlated with stocks. When stocks are doing well, long-term treasuries are doing poorly and vic- versa. It seems like this would provide rebalancing opportuniti...

"BigMoney" and "Job" don't really go together.

Terminating California residency is not as simple as just moving out of state. See FTB Publication 1031 Guidelines for Determining Resident Status — 2012 https://www.ftb.ca.gov/forms/2012/12_1031.pdf G Guidelines for Determining Residency The underlying theory of residency is that you are a resident...

C8H18Engineer wrote:on the CA payroll.

If you are on a California payroll, then I would think you would have to file as a California non-resident.

It does not matter where you, the manager, or the company is.

Time to consult with a new CPA - one who practices in California, IMO.

The key question is whether your paycheck is considered "California source income". If it is then I think you would have to file as a California non-resident. https://www.ftb.ca.gov/individuals/fileRtn/Nonresidents_PartYear_Residents.shtml Wages and salaries have a source where the service...

It is not that easy to terminate your California residency for tax purposes. You can't simply move out of state and expect to not owe California taxes. You should check with a CPA.

It could be a lot worse. I would let it go.

I would help out my father no matter what.

John3754 wrote:My concern with EE bonds is that they don't offer much in the way of inflation protection. Whay good does 3.56% do me if inflation averages 3% over the course of the 20 years I'm holding the bond?

If deflation becomes a problem, they offer protection against it at least.

American Express

10%= Franklin International Small Cap Growth (FKSCX) (active international developed market small cap) 10%= Wasatch Frontier Emerging Markets Small Cap (WAFMX) (active emerging markets small cap) 10%= PRIMECAP Odyssey Aggressive Growth (POAGX) (active US small/mid cap) I would liquidate these and m...

jdilla1107 wrote:

Am I crazy to allocate 90% to equities even with a portfolio this large?

Yes.

I second.

0.5 elaborate vacations per year.

AmEx Blue Cash Preferred

Give them the amount you can afford. If they come back for more, ask that you be paid back first.

Buy them a car or an apartment. http://books.google.com/books?id=XvB9Tx76aiMC&pg=PA79&lpg=PA79&dq=529+qualified+expenses+buy+a+car+malkiel&source=bl&ots=XvP-_boWMV&sig=zVtBgv297DAKK4dIb364ViVL5zA&hl=en&sa=X&ei=oK0xUbq6JuPtiQLD9oCwDw&ved=0CEkQ6AEwAQ#v=onepage&a...

My priority is to pay myself first.

HSA
401k employee
401k employer
i-bonds
taxable
529s

Another question. How do you invest when you underpay your taxes?

Under the new federal tax laws, if I am single with zero annual income and realize a $1M long-term capital gain, what is the capital gains rate?

Is it zero percent because there is no income??

[deleted. I meant to create a new thread. thanks for the reply]

I'm not sure it's permissible to contribute both to a solo 401(k) and a SEP IRA for the same business for the same period (even if one contribution is made by the "employee" and one by the "employer"). Have you gotten professional advice on this issue? Yes. My accountant is ok w...

I put only the employee portion into the solo 401K and the employer portion into a SEP IRA where I can use Admiral shares.

$1400 no insurance for same.

Turbotax

Also, if you buy a new dryer, it will probably not stack properly on the older model washing machine.

Mint does not categorize Vanguard transfers or dividends correctly and there is no way to setup a rule to categorize them automatically.

None. You could talk or play with him instead.

I wouldn't have to worry about forwarding my mail and no more catalogs.

BofA recently sent me a chip enabled card however there is no PIN (you have to sign instead) so it might not work at the ticket kiosks.

Put a mechanic's lien on their property.

kemwel.com has worked well for me.

9/80 is too grueling. Exceed expectations and show them you can be productive without 9/80 presence. Be prepared to lose your job.

Become a section 8 landlord?

I want to form a one-person S-corp in CA starting next year.

You should sever all ties with California if you want to avoid state income tax.

I will contribute.

I have had ARAG as a benefit and it's a good service. It's easily worth $215 annually. I wish it were available to individuals.

English isn't his first language

I'd research what his cultural perspective on property rights is to get a better idea of what his thinking is.

Frequently, French merchants (usually smaller) do not know how to swipe credit cards with magnetic strips or claim their machine does not accept American credit cards.

However, the cards do work and I had to show many merchants how to swipe the card correctly even doing it for them.

I'm looking for some suggestions for working with my parents related to their finances. They are in their mid-60s, have combined pensions over $130,000, and have over $3 Million in savings. Their house is paid off as well as their cars. They are the most frugal people on the planet. They refuse to ...

I have a solo 401k at Vanguard Can I continue to make my employee salary deferral contributions to the 401K account but make my employer contributions to a traditional or SEP IRA? It used to be possible to make employer contributions via the web site to a traditional IRA but I do not see this option...

Who is your employer? I would do whatever they do by starting my own business.