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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: 1167

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: 52
Views: 6349

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: 3960

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: 2490

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: 5037

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: 7557

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: 4678

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: 518

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: 2442

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: 639

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: 4389

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: 1364

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: 892

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: 1238

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: 827

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: 408

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: 1414

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: 542

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: 1414

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: 1414

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: 2819

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: 813

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: 813

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: 998

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: 4717

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: 6464

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: 9872

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: 5413

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: 3351

Re: Which Employer Health Insurance To Go With? PPO/HSA

What will be your marginal federal and state (which?) tax rate in 2015? If you can afford to put the max allowable in HSA (~$6600), that could result in additional "savings" of a couple of thousand compared to the PPO options. If you are spreadsheet savvy, put the options and model it with...
by jane1
Fri Oct 03, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 2057

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Does this actually prevent pro rata issues if you're not pulling the entire amount out of the account? Appears (although my interpretation could be wrong since I could barely understand the examples!) that the amount distributed is still subject to pro-rata rules between pre-tax and after-tax, so y...
by jane1
Thu Sep 18, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 112
Views: 12942

Re: Do you plan trips on your own or use a [travel agent]?

I always do my own planning and booking. First thing - go to your public library and get a London/England guidebook. Fodor's, Rick Steves, Frommer's, Lonely Planet, etc all have the practical advice you need. i.e. how to get there, how to get around, where to stay, where to eat, what to see, etc. Lo...
by jane1
Wed Sep 17, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1616

Re: Best Time Of Year To Visit Mediterranean

North Africa is not on my list at this time. The best way I can describe what I want to do in the Mediterranean would be similar for a northern snowbird to visit Miami for a few months and visit points within a 1-2 hour drive. Repeat following year at Fort Myers, repeat in St. Petersburg, repeat in...
by jane1
Mon Sep 15, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1579

Re: Best Time Of Year To Visit Mediterranean

Europe only? African side of the Med may be more affordable if that is important. Tunis (Tunisia) or Alexandria (Egypt)? Do you want tourist destinations close by? It appears you mainly want to hang out in that town. Correct? How often do you expect to use your apartment as a base to travel in the r...
by jane1
Mon Sep 15, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1579

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Here are some relatively inexpensive places that are clean, quiet, and safe. And they're interesting in the sense you most desire: being places where you'll meet lots of global travelers. They're also interesting because of their natural beauty. If you like to walk and hike, you'll enjoy them even ...
by jane1
Fri Sep 12, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5921

Re: I need a personal scheduler

You can use Siri to create an event in your iPhone. It is fairly easy once you get a hang of it. That way you don't have to worry about typing on small screen.
Google for tips on using Siri for calendar events.
by jane1
Thu Sep 11, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 2008

Re: Cruise Around the World

Lot of people do "world" cruises in sections. The cruise-lines typically give you such options as well. I know it is not the same as doing the entire thing but there are advantages of splitting it across multiple years.
Bills on autopay.
by jane1
Wed Sep 10, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1527

Re: take the quiz--test your 401(k) knowledge

11/12

Got the target fund asset allocation answer wrong. I used age in bonds.
by jane1
Mon Sep 08, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1200

Re: Going to be need to purchase a new car soon, need help

Given that you have money for a down payment and monthly payment, you can also consider a brand new car. Especially if you are considering a 2-3 year old car. We have always bought used cars, until the latest one a few months back. Used cars used to be priced much less (higher depreciation) at one p...
by jane1
Thu Sep 04, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2589

Re: How much does your home *really* cost?

Related article (nomadic lifestyle) might be of interest to the readers of this thread
http://finance.yahoo.com/news/5-retired ... 00037.html
by jane1
Tue Sep 02, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4363

Re: How much does your home *really* cost?

After our experience with 3 years on the road (flights and trains), we decided when we do this again, we would like to have a home base (say an inexpensive 1-bedroom rental) in a low-tax state and low cost of living area. Makes planning much easier and may actually be cheaper than continuing to pay...
by jane1
Sun Aug 31, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4363

Re: How much does your home *really* cost?

We tried for 3 years. The vagabonding costs are not that high. The planning logistics can become much more challenging. You need to figure out your mail, address for your financial instituitions, IRS address, etc. Will likely need Storage rental. Address for health insurance, car insurance/registrat...
by jane1
Sun Aug 31, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4363

Re: Husband rear-ended, driver ignoring his insurance

This might vary by state, but the states I have lived in, this is the case. If the other party is at fault, their liability insurance covers your car. You are not subject to deductible and can get rental car even if you don't have rental car coverage. If they don't have insurance, your uninsured mot...
by jane1
Sun Aug 31, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5479

Re: My husband's " WILL", $ left for me to live on....

OK... Let me see if I got the gist of the living arrangement. House owned by Wife (W), no mortgage Husband's (H) SS, Child's SS and portion of H's income from rental properties goes to joint account, and all household expenses paid out of joint account. Rest of H's income goes to his own account(s)...
by jane1
Fri Aug 29, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18227

Re: Here's another "where should I retire" thread

If west coast is a consideration and your finances allow it, why not consider a coastal town about an hour away from the Bay Area, CA. Ocean, Mountain, Trails, climate you would like, not far from Intl airport. Lot of places can feel fairly private and isolated once you are slightly out of the popul...
by jane1
Sat Jul 26, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6775

Re: Pay a stay-at-home spouse, fund a solo-401k?

I have a very good six figure W2 job where I work full time and a six figure 1099 LLC where I work part time on nights and weekends. My wife is a stay-at-home mom. She also does the bookkeeping for my LLC (sends out invoices mostly). For that, I pay her about $20k per year. Of that, she puts $17,50...
by jane1
Sat Jul 26, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay a stay-at-home spouse, fund a solo-401k?
Replies: 9
Views: 1361

Re: With no children, who will take care of my finances?

The way I see the need for services for the elderly, I divide them into the following (feel free to add) 1. Financial - tactical (day-to-day finances, pay bills, deposit income, manage w/d) 2. Financial - Strategic (optimize taxes & file, investment/portfolio management, withdrawal/conversion st...
by jane1
Sun Jun 15, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 6010

Re: Pursuing your calling in life at what cost?

I would say that you can start planning for the new adventures right now and once you get the 450K in 2 years, go full time on them. In the meantime, your spouse might leave her current job and also start exploring her interests back in India so that she will be able to wet her feet in those plans ...
by jane1
Thu May 29, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4727

Re: Low iregular usage international calling

What country/countries do you need it for? Assuming you are calling from the US. Try Reliance Global Call. It is like a preapid calling card. Check rates for the countries you need. We have been using it for years without any problem. No problems with quality. https://www.relianceglobalcall.com/ Pre...
by jane1
Fri May 02, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Low iregular usage international calling
Replies: 11
Views: 727

Re: Monthly Rental in Southern Calif.

Lot of threads recommend VRBO for short-term rentals incl. monthly rentals for snowbirds in FL. Whenever I have checked vrbo.com, I see rates of $300-500/night, $1200-3000/week or $4000-$9000/month. Typically in FL, CA, etc. Am I searching incorrectly? How do they compare to the (extended) hotel sui...
by jane1
Wed Apr 23, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Monthly Rental in Southern Calif.
Replies: 7
Views: 892
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