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Re: Orbitz vs Expedia vs Delta

I am very surprised. Did you actually end up booking the $872 fare? Orbitz & other online travel agencies (OTAs) get "cached" data (not the latest updated availability/fare) for initial display. Once you go through more steps in the booking process, OTAs gets the latest data from the a...
by jane1
Sun Mar 29, 2015 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Orbitz vs Expedia vs Delta
Replies: 11
Views: 622

Re: Hate where we live, do we make major changes?

Move. Life is too short to live in a place where you are not happy. Saving is not everything.
It will be easier to find a job at your current ages than 8-10 years later. It will also be easier to make friends in your new location at a younger age for child and parents.
by jane1
Sun Mar 29, 2015 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 50
Views: 2708

Re: HSA deadline for tax deduction eligibility

I understand that I can make a TY 2014 contribution to an HSA account until April 15 2015. However, in order for it to count towards TY 2014, does the account have to be *established* in 2014? This is what the HSABank rep tells me but I'm skeptical. I believe you can still open and contribute. Call...
by jane1
Wed Mar 25, 2015 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA deadline for tax deduction eligibility
Replies: 10
Views: 638

Re: Booking a cruise online

Vacations-to-go, Travelocity/Expedia/Orbitz for comparison shopping. I book based on whoever gives the best deal (incl the soft $ benefits - onboard credit, free upgrades, etc). The cruise company's website can also be a decent option, although not often.
by jane1
Wed Mar 25, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 886

Re: Step callable long term CD for fixed income- pros & cons

Personally I wouldn't want to be locked in to 3% for 9 years and 4% for another 8 years. Are you allowed to get out early? If so, what is the penalty? i had assumed it would be something like a 3-month penalty but reading the fine print now. Says it will be sold on a secondary market if redeemed pr...
by jane1
Fri Mar 20, 2015 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 926

Step callable long term CD for fixed income- pros & cons?

I got this offering in an email from broker firm. Has anyone used something similar to these for the fixed income part of their portfolio? I understand the interest rate (& inflation) risk and the fact it is callable but for me 3%-8% is reasonable for part of my portfolio. What are the other pro...
by jane1
Fri Mar 20, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 926

Re: STEM Job Offer Advice: Govt Contractor vs Industry

I would also factor in your career interests (are you the academic theoretical type or applications type) and future potential. I quit my cushy STEM national lab job after a few years for private industry job (took a paycut) since I like to see the practical uses of my work. National lab experience ...
by jane1
Thu Mar 19, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: STEM Job Offer Advice: Govt Contractor vs Industry
Replies: 26
Views: 2062

Re: Medicare - already covered but turning 65 ?

I just posted this link on another thread. Maybe you can benefit from the information here
http://www.kiplinger.com/article/insura ... delay.html
by jane1
Thu Mar 12, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1085

Decent article about when to sign up for Medicare

Fyi, in case it benefits others, I thought this was a decent article in Kiplinger about when to sign up for medicare.
http://www.kiplinger.com/article/insura ... delay.html
by jane1
Thu Mar 12, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decent article about when to sign up for Medicare
Replies: 0
Views: 240

Re: Has anyone used Costco car buying service?

I tried to buy using Costco but the Costco prices were higher. Dealers can give you a better price since they don't have to pay commission to Costco.
by jane1
Tue Mar 03, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used Costco car buying service?
Replies: 30
Views: 2978

Re: Can I afford it?

You and your wife seem financially savvy to have no debts and have decent savings for your age. It all depends on your priorities and what is important to you, what gives you great joy. Essentially trade-offs. There is no right or wrong answer. Yes, I think you can afford it since you "save&quo...
by jane1
Tue Mar 03, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5637

Re: Traveling to Spain - phone, data plan and credit card

Thanks for all your help. So, this is what I am leaning towards. Let me know if I am missing anything blatantly obvious. 1. Data - My Wifi device has T-Mobile Simple Choice plan. So, I get 2G speeds in Spain free as part of the plan. I am planning to buy a "data pass" for higher internet ...
by jane1
Tue Mar 03, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 2907

Re: Traveling to Spain - phone, data plan and credit card

I have a T-mobile postpaid plan. It gives unlimited international text and data in most countries around the world i.e. no hidden charges. 20cents/min for US calls while international roaming (free while using tmobile's wifi calling). I keep my phone with data roaming, regular phone mode on all the ...
by jane1
Tue Mar 03, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 2907

Re: Why Isn't Pension Distribution Taxable? (1099-R, Code G)

Anything in Box 9b?
Lot of 1099-R I see as part of my AARP TaxAide volunteering have some component that is not-taxable (employee contributions). True often for pensions/annuities.
I would just file as reported in 1099-R and let software take care of it.
by jane1
Sun Mar 01, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Isn't Pension Distribution Taxable? (1099-R, Code G)`
Replies: 31
Views: 3461

Re: Favorite Vacation/Trip

Some possibilities 1. Combine Vegas and Road Trip to Grand Canyon, Zion Natl Park 2. Fly to San Francisco/San Jose, in addition to SF, do short trips to Napa, Yosemite, Big Sur 3. Yellowstone, Grand Tetons 4. Fly into Moab and do trips to Arches, Canyonlands For a shorter trip (3-4 days), you can ha...
by jane1
Fri Feb 27, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4452

Re: Can I contribute to solo 401k b4 receiving 1st payment c

Spirit Rider, Makes sense. In my case, service was provided in December and January (for instance) and payment will be made in early March & April. 60 days after invoice date. So it appears I can go ahead and make the employee (deferral) contribution. I am okay delaying the profit-sharing contri...
by jane1
Wed Feb 25, 2015 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to solo 401k b4 receiving 1st payment chk?
Replies: 4
Views: 350

Can I contribute to solo 401k b4 receiving 1st payment chk?

I know I will be getting a payment check to my consulting services within the next month. That check would be reported in 2015 1099-Misc, Schedule-C, sole-proprietor. My question is, can I contribute to my 2015 solo 401k (as part of 18K limit) before I receive any payment for 2015? The reason being ...
by jane1
Tue Feb 24, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to solo 401k b4 receiving 1st payment chk?
Replies: 4
Views: 350

Re: Adjusted Livesoft Income (ALI)

If ALI is to work in accumulation as well as withdrawal phase - Roth distributions? Any non-taxable pension? What about withdrawal from your assets (bank accounts, proceeds from sale of MFs, Stock - not just Cap Gains/Loss)? I expect my tax returns to not have much resemblence to my spending power. ...
by jane1
Tue Jan 20, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 36
Views: 4127

Re: Taxact ultimate version $6

Thanks. Signed up.
Had to use the details in OP's fatwallet link and create new username to get the $6 price.
If one had previously signed up for TaxAct 2014, it appears to show "My Return Fees" as $17.99 even with the OP link (unless you create a new username using OP link).
by jane1
Thu Jan 15, 2015 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3064

Re: Slovenia And Croatia In May

Unfortunately yes. We had to act fairly quickly, as ticket prices dropped extremely quickly yesterday and slowly crept back up. Air fare is only costing $750 pp round trip from USA East Coast. Normally this trip is 1300 or more per person. We had to act somewhat quickly. Another thing we are thinki...
by jane1
Fri Jan 09, 2015 9:11 am
 
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1815

Re: No Foreign Fee Credit Card - Exchange Rate

We usually use the Capital one cash back (1.5%) rewards and Schwab bank account during our international travels. From my research a couple of years back it seemed like Capital one CC not only had the no foreign transaction fee but also good/best exchange rates. Unfortunately, no chip so what has e...
by jane1
Tue Dec 16, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1300

Re: Bumped out of first class at boarding - compensation?

About what I expected despite US Airways checkin, boarding passes, equipment and flight ticket receipt. Now i expect United will claim US Airways was the one providing the flight and hence the lapse in customer service. I figure six months till resolution on this project....... Dear Mr. ---------- ...
by jane1
Sat Dec 13, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 61
Views: 8974

Re: Apple Stores - do they try to be awful?

I have been to quite a few Apple stores in several states and have always found the employees to be extremely helpful and patient. They leave you alone when you want be left alone and are available to answer questions when you need them.
Consistently great experiences.
by jane1
Tue Nov 18, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 6321

Re: Consulting fees: non working travel time

"Edit: just realized that it was an old thread with things already resolved. Leaving my response in for anyone in the future in a similar boat" ----- I didn't read all the responses in detail, so this might have been already covered. It depends on the amount of non-work travel time compare...
by jane1
Mon Nov 10, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 36
Views: 2709

Re: Retiring Parents Set in Risky Ways

If you show them how the performance of 100K in this stock compared to 100K in the index over a large time frame (after the explosion), would that take care of the 15% tax difference? That could be a way to convince them. When they are in retirement and low tax bracket, you can at least have them se...
by jane1
Mon Nov 10, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 5367

Re: What if I Never Buy a House?

We have always rented and pretty much have a similar mindset to yours. To me, homeowners give up time. Financially also I think we did better than we would have. I would feel chained/tied down if I bought a place :( too much hassle. Like the freedom. If at some point in life DH and I want to settle ...
by jane1
Sat Nov 08, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7688

Re: For Women on this forum and those who share their expert

On average, women *do* have different needs. We are significantly more likely to live longer, we are less likely to have a spouse to help us if and when we become too frail to care for ourselves (so we are more likely to have LTC issues--just visit any nursing home or assisted living facility and y...
by jane1
Thu Nov 06, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 5024

Re: HSA Understanding Check

Per my understanding, you are correct on all 3. But I will let experts and those with actual experience validate.
by jane1
Thu Nov 06, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Understanding Check
Replies: 3
Views: 529

Re: Time to sell our Manhattan apartment?

Make sure you are aware of the rules for capital gains when you sell. I believe it is something like "owner should reside in 2 out of 5 years before sale". So if your return to NY gets delayed or the prices when you want to sell are not to your liking, you might lose that exemption. Given ...
by jane1
Tue Nov 04, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time to sell our Manhattan apartment?
Replies: 16
Views: 2558

Re: Making kefir at home

Don't know if Kefir cultures are similar but we make Yogurt at home regularly and the starter live culture from store bought yogurt works.
by jane1
Tue Nov 04, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Making kefir at home
Replies: 4
Views: 655

Re: Any Legal ways to lower MAGI for ACA signup?

Responding to my own post above ... just realized I can't contribute to IRA to lower MAGI because our income is solely from investments - neither of us work. Well, that cuts off that idea. I guess our only way to lower MAGI then is the HSA. There's a subtle balancing act here to consider: remember ...
by jane1
Mon Nov 03, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4893

Re: 22 year old trying to get a grasp on personal finance.

Hmm that is an interesting perspective. I do think renting is a good compromise in the sense that I would be able to put some money towards investing/saving for a down payment each month and after marriage I would at least have my own place. The tough thing to swallow is that the rental rates aroun...
by jane1
Sat Nov 01, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: 22 year old trying to get a grasp on personal finance.
Replies: 20
Views: 1437

Re: Getting more $ from employer by taking $$ive insurance

I was discussing health insurance options with my wife and she made the interesting point that if you take the more expensive health insurance, to which the employer contributes more dollars, you are effectively getting paid more by your employer. For example we have the following options. ... With...
by jane1
Fri Oct 31, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 7
Views: 907

Re: Does HSA make sense for me?

Given the number of questions on Bogleheads asking for Health Insurance comparisons part of 2015 Annual Enrollment, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA). Download from here (Bogleheads does not allow attachments) http://www.filedropper.com/c...
by jane1
Fri Oct 31, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1270

Re: testing cell phone coverage with discarded cell phones

The strength/coverage of signal also depends on the phone instrument/model you are using. And apparently also on the SIM technology. When I upgraded my phone recently (same phone number, carrier, coverage, plan), I am getting coverage in regions I was not getting past couple of years. In my case bot...
by jane1
Fri Oct 31, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: testing cell phone coverage with discarded cell phones
Replies: 13
Views: 853

Re: What to do...HSA/PPO

Given the number of questions on Bogleheads asking for Health Insurance comparisons, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA) that are part of 2015 Annual Enrollment. Download from here (Bogleheads does not allow attachments) http://www.filedrop...
by jane1
Fri Oct 31, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do...HSA/PPO
Replies: 6
Views: 424

Re: 2015 Insurance For Family - PPO vs HDHP

Jane1, It appears you have to sign up to be a member at that other site to download the file, is that correct? I will try that out before I post a question on here because I am comparing my wife's company's ppo vs my company's hsa with a spousal surcharge. I have never had a ppo, so don't really kn...
by jane1
Thu Oct 30, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 12
Views: 1466

Re: SEP IRA for Sole Propietorship + Simple IRA at W2 employ

BradMajors wrote:No. No. No. Solo 401k's are not appropriate for many sole proprietorship. Talk to your accountant before mindlessly opening a solo 401k.


BradMajors, can you please elaborate? I am thinking of opening a solo 401k, so if there are major pitfalls that I haven't yet come across I would like to know.
by jane1
Thu Oct 30, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for Sole Propietorship + Simple IRA at W2 employer
Replies: 11
Views: 585

Re: 2015 Insurance For Family - PPO vs HDHP

Jane1, It appears you have to sign up to be a member at that other site to download the file, is that correct? I will try that out before I post a question on here because I am comparing my wife's company's ppo vs my company's hsa with a spousal surcharge. I have never had a ppo, so don't really kn...
by jane1
Thu Oct 30, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 12
Views: 1466

Re: 2015 Insurance For Family - PPO vs HDHP

Given the number of questions on Bogleheads asking for Health Insurance comparisons, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA) that are part of 2015 Annual Enrollment. Use the "Input & Data" tab to input your premiums, deductible, O...
by jane1
Thu Oct 30, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 12
Views: 1466

Re: PPO vs HSA (hsa seems too good to be true)

Based on the information you have provided, HSA would seem to come out ahead under all spend scenarios assuming you contribute fully to HSA and get tax benefits. Although as someone else pointed out, you should double-check your OOP Max, and maybe deductible since they don't seem quite right. Your a...
by jane1
Thu Oct 30, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2960

Re: Help! HDHP HSA vs PPO

Given the number of questions on Bogleheads asking for Health Insurance comparisons, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA) that are part of 2015 Annual Enrollment. Since you guys are relatively healthy, you would come out ahead with the HSA u...
by jane1
Thu Oct 30, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! HDHP HSA vs PPO
Replies: 6
Views: 846

Re: Help! HDHP HSA vs PPO

It would seem HSA makes more sense, likely under all spending scenarios. Especially if maximize your contribution into the HSA. But you will have to do the math in more details taking tax implications. Likely your premiums are also pre-tax. What is your marginal tax rate - federal, state, SS. Does y...
by jane1
Wed Oct 29, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! HDHP HSA vs PPO
Replies: 6
Views: 846

Re: HSA contribution limited by insurance company

As others have also already pointed out, it seems to apply only to the employer (funded) portion.
HSA contribution limit is set by IRS rules.
by jane1
Wed Oct 29, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: HSA contribution limited by insurance company
Replies: 13
Views: 1111

Re: Most financially economical choice for a car

You can also buy a previous-year-model brand new car once the current-models are released. I have seen savings of 15% in the past. If you are going to drive it to the ground, the resale value does not matter.
by jane1
Tue Oct 28, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5016

Re: Money saved by buying a hybrid or electric car?

Savings, if any, will be based on your state/local incentives as well as gas and electricity prices in your area (current and projected). If you are doing it primarily to save money, you may find the math doesn't quite work out. In some areas, the cost of charging at home offsets a large part of gas...
by jane1
Tue Oct 28, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 7005

Re: Smartphone questions

For a first smartphone, I would recommend going with an entry-level ($100-$150) previous generation model new or refurbished android. Preferably stock android - Nexus, Moto. Don't go for one of the 2-year contract fancy ones. Play with it for a year or 2, see what you use often (text, maps, calendar...
by jane1
Wed Oct 22, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10766

Re: Best place (with warm weather) to raise children

Glen Allen, VA (suburb of Richmond, VA). But it can snow a couple of times a year.
by jane1
Sun Oct 19, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5681

Re: Road trip to Chicago with kids- what to do/recommendatio

Avoid driving in downtown as much as possible. Park in one place and take CTA or El (elevated train). Millennium Park (Bean/Cloudgate, kids love getting wet in Crowne Fountain although it might be closed for the winter) Navy Pier and Giant Wheel, maybe Children's museum for the younger kids Architec...
by jane1
Sun Oct 05, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3588
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