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Re: HSA Questions

Thanks for the replies everyone. Just want to make sure because we end up coming out very slightly ahead with standard deductions over itemizing. This caught my eye. Such a situation calls for bunching of deductions into every other year, so one year you do the standard deduction and the next year y...
by guitarguy
Wed Aug 20, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 782

Re: HSA Questions

Hi I would not contribute from my personal savings account to HSA account to avoid any Tax hassles later on. What type of hassle would I risk getting into? As I understand it plain as day, contributions can be made by either method and either one is perfectly acceptable. I just wasn't sure how the ...
by guitarguy
Tue Aug 19, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 782

HSA Questions

Probably easy elementary questions here regarding HSA contributions. I make a contribution via payroll deduction normally. But...wife needs a root canal...$1k...and we yet have the funds in the HSA account to cover it. From what I understand, I can contribute on my own (out of our savings account) t...
by guitarguy
Tue Aug 19, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 782

Re: Dumb 3rd grade math question about beach house rental

I have done this several times and in all cases given a discount to folks who stayed less than the full rental period. I would do it the way several posters suggested: $10,000/10 = $1000 per night cost. 8 nights split 3 ways 2 nights split two ways. Yep. This is how I'd do it. Couple 1: $3666.67 (1...
by guitarguy
Wed Jul 30, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5023

Re: What Do You Eat For Snacks?

OP - When do you usually workout in relation to your meals? I think a "snack" to fill you up (tide you over until next meal) should be different than a post workout replenishment type "snack". Right after workout (within 30 mins) a ratio of 4:1 carbs to protein with very little f...
by guitarguy
Fri Jun 13, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8891

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was l...
by guitarguy
Thu Jun 12, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3038

Re: Pull-ups and Push-ups

I'll chime in...my wife and I just started back up with bodyweight (along with some light dumbells, a pullup bar, and rings) workouts twice per week, along with lots of walking and eating a pretty strict Paleo diet (100% for 30 days for the Whole30 and then probably at least 80/20 thereafter). Our m...
by guitarguy
Thu Jun 12, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40982

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was lo...
by guitarguy
Thu Jun 12, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3038

Re: Boglehead way of saving for home improvements

Pay off your student loans. Then save more for home improvements. Good luck. Well...this is the obvious Boglehead answer...but it's not always feasible either. I know we've made plenty of home improvements and we still have some student loan debt left (but for the record we owe around $30k and rate...
by guitarguy
Mon Jun 02, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead way of saving for home improvements
Replies: 15
Views: 1231

Re: Timing of paying off extra mortgage principal

Good enough, thanks for the advice all.

I won't bother taking time to make the extra payment mid-month, especially since I'll have to write and mail a check to do it. Not worth my time and the cost of a stamp for such a small amount of savings.
by guitarguy
Mon Jun 02, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing of paying off extra mortgage principal
Replies: 9
Views: 996

Timing of paying off extra mortgage principal

Hi All, We're planning on starting to put ~$1150/m extra on our mortgage principal. Since I recently was switched from being paid monthly to twice per month, I was wondering if paying ~$1k to the principal in the middle of the month, and then paying the actual monthly payment plus that extra little ...
by guitarguy
Mon Jun 02, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing of paying off extra mortgage principal
Replies: 9
Views: 996

Re: BoA - Paying extra on mortgage principal

My loan was with Chase when I got down to 78% and they did require an appraisel. But the good news is if you can get a feel for the housing market, your house has likely gone up in the last 2 years. Is it possible you can appriase it right now and have MIP dropped. We have an FHA loan. As far as I ...
by guitarguy
Mon Jun 02, 2014 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: BoA - Paying extra on mortgage principal

BoA serviced our loan for a while before we refi'd a few years ago. For whatever reason I couldn't setup automatic payments with them so each month I had to go online and schedule an ACH pull from my external checking acct. One of the fields in that form was to add additional principal. I did that ...
by guitarguy
Thu May 29, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: Hiring someone versus painting yourself

In my neighborhood professional painting of a whole house could range anywhere from $15,000 to $40,000 depending on the contractor, the house, and the condition of the house. That is INSANE. We paid $3400 and that included a 1000 sqft bungalow, a detatched 2-car garage that needed a lot of sanding ...
by guitarguy
Thu May 29, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4312

Re: BoA - Paying extra on mortgage principal

Grt2bOutdoors wrote:I write checks out all the time - birthdays, holidays, utility payments, government payments and I support the US Postal Service while doing so.


I write checks sometimes too. I was just being facetious.
by guitarguy
Thu May 29, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: BoA - Paying extra on mortgage principal

Walking into a branch...ugh. Avoid that at all costs. But that's just me. Who wants to stand in line? :twisted: I am old and retired. Going to the branch is my major entertainment of the day. Plus they hand out free lollipops. I'm young and working full time 9-5, working on my master's, and working...
by guitarguy
Thu May 29, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: BoA - Paying extra on mortgage principal

What is the basis of your conclusion that you can eliminate PMI after 10 months? Are you assuming that if you pay down the mortgage more quickly than the regular schedule, and you get the balance below a certain threshold that the lender will automatically eliminate PMI? If this is your assumption,...
by guitarguy
Thu May 29, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: BoA - Paying extra on mortgage principal

How much do stamps cost where you live? What about checks? Which is easier: write a check and put it in an envelope or jump through fifteen hoops so you can proudly claim you did it all online? I guess it comes down to what excites you. I thought your goal was to pay off your mortgage any way you c...
by guitarguy
Thu May 29, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: Hiring someone versus painting yourself

Our painter just finished up painting our exterior last week. We have a 1000 sqft bungalow plus a 2-car detached garage. It took him about 2 weeks and he worked some pretty long days. He double coated everything, caulked/weatherproofed everything, and sanded down a LOT of flaking paint on the old ga...
by guitarguy
Thu May 29, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4312

BoA - Paying extra on mortgage principal

So my wife and I came up with a plan to start paying extra towards our mortgage each month as opposed to towards student loans. If we do this and apply our calculated amount, we will eliminate our PMI in 10 months. So we're excited about going for it! Seems small, but we feel great about paying off ...
by guitarguy
Thu May 29, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2620

Re: Best rental car companies

A somewhat related question: I plan to decline the rental company's collision waiver coverage. In terms of credit card, which is the best: Visa, MC or AmEx? We had an issue (stone flew up and cracked the windshield) and VISA was wonderful to deal with. No problems and very responsive and helpful. T...
by guitarguy
Thu May 22, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1165

Re: Best rental car companies

Enterprise has treated us very, very well. I will have to play Devil's Advocate with Enterprise. I did not like them at all and won't ever be going back there. Bad service and rude employees. Dirty vehicle and it wasn't even ready when we showed up for our pick-up appointment. (I realize this may n...
by guitarguy
Thu May 22, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1165

Housing Market Catch 22

Disclaimer: We're not seriously interested in moving now...but I'm curious what others thoughts are. The housing market around us is booming for sellers. Home prices are up and houses are getting snapped up within 2-3 days of the initial listing. We're loving what it's doing for our home value. We p...
by guitarguy
Thu May 22, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing Market Catch 22
Replies: 10
Views: 1540

Re: 401k Rollover Advice Needed

Now, IF I'm allowed to take part of my old 401k and roll it into an IRA and the rest roll into my new employer's plan, I could take say $4k and convert it (roll it into) my Roth IRA, and then continue to make contributions up to the $5500 mark, where the $5500 excludes the extra $4k from the rollov...
by guitarguy
Thu May 08, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Advice Needed
Replies: 9
Views: 464

Re: 401k Rollover Advice Needed

You need to avoid rolling the old 401(k) to a TIRA if you think you and your wife will be doing back door Roth contributions in the future. That is, your combined MAGI will be near 200K. If that is not a concern, a rollover to a TIRA is fine. No, rollovers do not count toward the $5500 contribution...
by guitarguy
Thu May 08, 2014 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Advice Needed
Replies: 9
Views: 464

Re: 401k Rollover Advice Needed

EDIT: I just realize I may have posted this in the wrong forum...it probably should've gone in the investing forum. If that's correct, if one of the moderators could move it for me that would be great. Thanks! You got it. This thread is now in the Investing - Help with Personal Investments forum. T...
by guitarguy
Thu May 08, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Advice Needed
Replies: 9
Views: 464

Re: 401k Rollover Advice Needed

Depending on specifics of the plan(s) you might not be able roll the specific funds out in kind to an IRA (mine only allows company stock for instance) but it doesn't really matter you can just do cash and then buy whatever you need in the Roth noting that you'll owe tax on anything going to a Roth...
by guitarguy
Thu May 08, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Advice Needed
Replies: 9
Views: 464

401k Rollover Advice Needed

Hi all, After recently switching jobs, I'm trying to decide what to do with my old 401k and I'm looking for some advice on how to go about figuring out what is the best fit for me. I'm not interested in cashing out or leaving it in my old employer's plan, so it looks like my options are to either ro...
by guitarguy
Wed May 07, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Advice Needed
Replies: 9
Views: 464

Re: Please help me choose 401k Bond Fund!

Nobody knows what will be best.50/50 bonds and stable value is a good fit, I use mostly use stable value because my cheapest bond fund is almost 1.5%..The question you have to answer is do you want the Pimco fund? John Yeah...I answered that myself already actually. I decided on "diversifying&...
by guitarguy
Tue May 06, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

Rates have fallen in last 10 years Fidelity probably couldn't tell you what it will earn If already .86 % do you think rest of year will be zero Annualized return https://www.portfoliomonkey.com/home/glossary John OK, thanks. I'm just trying to understand how this works. So as of today, the ytd ret...
by guitarguy
Tue May 06, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

Rates have fallen in last 10 years Fidelity probably couldn't tell you what it will earn If already .86 % do you think rest of year will be zero Annualized return https://www.portfoliomonkey.com/home/glossary John OK, thanks. I'm just trying to understand how this works. So as of today, the ytd ret...
by guitarguy
Tue May 06, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

I have a similar Stable Value whose ytd is .86 but stated yield is 2.85. I've always wondered about that. Hoping someone can explain. Year to date is year to date return.At what month is this .86 reported to be? John To piggy back on this question, mine has an up-to-date value that says "updat...
by guitarguy
Tue May 06, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

I have a similar Stable Value whose ytd is .86 but stated yield is 2.85. I've always wondered about that. Hoping someone can explain. Year to date is year to date return.At what month is this .86 reported to be? John To piggy back on this question, mine has an up-to-date value that says "updat...
by guitarguy
Tue May 06, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

Well, I looked a little closer at the SVF, and its current yield (year-to-date, updated daily) is actually only 0.86%. The 1, 3, and 5 year marks are all 2.X% which is what I saw the first time I looked at it, and I overlooked the low current yield number. Since the current yield is so low maybe I'm...
by guitarguy
Tue May 06, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Please help me choose 401k Bond Fund!

Thanks for the advice so far everyone. The SVF appears to be paying 2.X% over the past years. Is that large enough to just do that? Or, would there be any value (i.e. would it make any sense) in splitting these bond contributions 50/50 between the intermediate fund and the SVF? Also I should note, m...
by guitarguy
Mon May 05, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Please help me choose 401k Bond Fund!

Hello all, It's been a while since I've done a portfolio review, but I'm starting a new job and would like to pick my funds to at least get the ball rolling. I'm sure I'll come back with lots more questions when I look at the whole picture, but for now I'll just mimic what I had with my old 401k and...
by guitarguy
Mon May 05, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1116

Re: Job Offer Negotiation / Interview Snafu

Well after all this, my first day at the new job is May 1st! Very excited to start. Bad news though...fractured my foot today playing basketball. Doc says it was a clean break and it's aligned perfectly still so that's good news for the healing. Just really bad timing!!! Gonna have to limp in to my ...
by guitarguy
Sun Apr 27, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 31184

Re: Tuition Tax Credit / Employer Reimbursement Mess

I would fix the IRS "problem" right now. Call the IRS and say you just filed amended returns that you found were in error and the original filings were correct. Get instructions on what to do right now. I'd guess you file another amended return and maybe they can be matched up so you don'...
by guitarguy
Fri Apr 25, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Tuition Tax Credit / Employer Reimbursement Mess
Replies: 4
Views: 422

Tuition Tax Credit / Employer Reimbursement Mess

I may have made a tax mistake and now I feel like I'm in a possible bind. I would like some guidance on what to do (if anything). Long story short, I'm leaving my company and expected (according to company policy) to have to pay back my employer around $7500 for tuition assistance that has been give...
by guitarguy
Fri Apr 25, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Tuition Tax Credit / Employer Reimbursement Mess
Replies: 4
Views: 422

Re: If you leave your job, can you use up your whole FSA?

As the administrator of my former employer's FSA account. I always believed that you should be allowed to take out what you put in. If you turned in more expenses earlier in the year, then the company would have to advance the funds to cover this until your withholding caught up. If you had more ta...
by guitarguy
Tue Apr 22, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2285

Re: Guitar purchase problem: Fender strat mfg warranty?

Love the guitar but feel a little conflicted. I mostly like playing rhythm (more toward the metal end of the spectrum)--gave up on playing leads in my teens. So I was fairly certain I needed at least one humbucker, so I went with the HSS "Standard strat" vs. the SSS all single-coil config...
by guitarguy
Mon Apr 21, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 25
Views: 1941

Re: Dehumidifier for humid basement. I want one that lasts.

Buy one from Bed Bath and Beyond. I know it sounds crazy, but their return policy is quietly ridiculously awesome. They'll exchange basically anything if it quits working on you, and it technically doesn't even matter how long ago you made the purchase. You don't even need a receipt or the packaging...
by guitarguy
Fri Apr 18, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 12
Views: 1239

Re: Guitar purchase problem: Fender strat mfg warranty?

What kind of mass-market guitar doesn't get shipped in a box??? Do they just dump a bunch of guitars in a wooden crate and hope they don't get banged around too much in transit? :oops: Smells like BS and/or laziness to me, and you'd be justified in raising heck with Guitar Center over that. If he b...
by guitarguy
Fri Apr 18, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 25
Views: 1941

Re: Guitar purchase problem: Fender strat mfg warranty?

TSR makes a good point that I'd like to also shine a light on. Every guitar warantee that I've seen becomes void if you perform publically with your instrument. All my guitars have been on stage, so I know I'm on my own. Warranty. And I'd really like to see documentation that playing your instrumen...
by guitarguy
Fri Apr 18, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 25
Views: 1941

Re: Guitar purchase problem: Fender strat mfg warranty?

I have no idea if what you have is sufficient to submit the warranty. Take what others suggested and call VISA. Most guitars don't come in a box because people walk them out in a hard case or gig bag. But if it's new it should come with some paperwork like the warranty registration card and manual, ...
by guitarguy
Fri Apr 18, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 25
Views: 1941

Re: If you leave your job, can you use up your whole FSA?

Nothing about repayment, exactly, but it sounds like they would take the remaining amount out of your last check. I've read up on this also as I'm currently in the process of a job change...everything I've found says you can use it all up and the employer eats the cost. We just spent quite a bit on...
by guitarguy
Fri Apr 18, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2285

Re: time off for interview

It would have been better if this potential job had occurred after I had a few weeks at my soon-to-be employer. Scheduling personal time off so soon after starting a job is always awkward. NO it absolutely wouldn't, if you are going to jump ship on your current employer so quickly after being hired...
by guitarguy
Fri Apr 18, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1412

Re: Brown bagging in a more formal office

The food's smell factor is the bigger issue. Yeah...I'm always cognizant of that. I don't ever bring fish or anything else that has a real strong smell for lunch. Might be an idea not to commit to a full wardrobe yet until you do a full analysis of people's dress habits. I think the rule of thumb i...
by guitarguy
Wed Apr 09, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 4563

Re: Brown bagging in a more formal office

Thanks for the replies. I was already planning on eating out for the first day, maybe even the first few days or the week. I do have a colleague I worked with for quite a while that now works over where I will be working. In a different group but same building. He's always been an "out for lunc...
by guitarguy
Wed Apr 09, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 4563

Brown bagging in a more formal office

Hi all, I'm going to be starting a new job soon which I'm pretty stoked about. :D I will be going to a more formal office environment...not suit and tie, but not jeans every day like I'm currently used to either. So, I need to upgrade and buy a few things...some khakis/dress pants and dress shirts, ...
by guitarguy
Wed Apr 09, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 4563
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