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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 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 64
Views: 3749

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 1:54 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2491

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 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 1804

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 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 69
Views: 6506

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 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1569

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 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1420

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 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1420

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 2:14 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5811

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 6:03 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 1894

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 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1447

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 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1171

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 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2528

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 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4305

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 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4305

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 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4305

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 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5242

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 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17852

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 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6604

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 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay a stay-at-home spouse, fund a solo-401k?
Replies: 9
Views: 1271

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 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5956

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 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4677

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 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Low iregular usage international calling
Replies: 11
Views: 697

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 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Monthly Rental in Southern Calif.
Replies: 7
Views: 892

Re: Moving to Reno: When to look for a rental?"

Check out and also post your question on city data forum. http://www.city-data.com/forum/reno-sparks-area/ You can also post your requirements there and people might suggest appropriate neighborhoods or communities. Separate forums exist for each city and I have found them very helpful. Craigslist i...
by jane1
Tue Apr 15, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 666

Re: California Taxes - Am I Missing Something?

I wouldn't recommend people to move here unless they are getting a huge jump in salary or better career opportunities. Why did you move @jane1 since you said the compensation is only comparable? Were there better opportunities for your career growth here? It doesn't sound like you moved for life st...
by jane1
Tue Apr 08, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10873

Re: First Trip to India

- ONLY drink bottled (check seal) or boiled/treated water including for rinsing mouth "good" - avoid all uncooked food (salad, cut fruit). peeling you own fruit is ok. Wash fruits with "good" water. - keep OTC medicine (stomach, flu, pain) with you at all times - you can buy most...
by jane1
Tue Apr 08, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 14592

Re: California Taxes - Am I Missing Something?

We moved from Chicago to NorCal a couple of years ago. Our experience - Compensation for a individual is comparable. Mean/medians don't tell the whole story. Our expenses here are significantly higher - about $10-15K per year higher for housing (rent) - several 1000s $ higher in state income tax (hi...
by jane1
Tue Apr 08, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10873

Re: Self-employment and FICA limit?

Thanks DSInvestor and sscritic.
I went through the form and also put it in TaxAct. Looks like Sch C income will be subject to Medicare only. No employee or employer portion since the SS tax limit was already reached. So SE tax rate in this case is 2.9% times 0.9235. And half of that is the deduction.
by jane1
Sat Apr 05, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-employment and FICA limit?
Replies: 3
Views: 669

Self-employment and FICA limit?

I have W2 income where I have hit the social security tax upper limit. If I also have a 1099-Misc for some occassional consulting I have done, for which I will have to file Schedule C , what is my Self-Employment tax? I think it is only 2.9% medicare? With .9235 factor. Or is it 2.9% medicare + 6.2%...
by jane1
Fri Apr 04, 2014 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-employment and FICA limit?
Replies: 3
Views: 669

Re: We Don't want to die with Money

My husband and I have been seriously talking about how soon to retire. We are both 59. .... Does anyone have a book/article recommendations on how to go about spending down all your assets in retirement? I understand the "General retirement withdrawal rules: . withdraw from taxable accounts fi...
by jane1
Wed Mar 26, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: Upcoming European Vacation - Currency Exchange Questions

We use Credit Cards (with no transaction fees), where accepted, and cash from ATMs. You get the best exchange rates (typically the official rate you see on Yahoo Finance, etc). Never had any problem all these years. We do keep some US $ bills handy in case of emergency. Make sure to check with your ...
by jane1
Wed Mar 26, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1505

Re: HSA Tax question

I have a HSA acct and my wife and I have family plan insurance policy.It is my understanding that we can contribute the max amount which I believe is 6550 for 2014 and since we are both over 55 an additional 1000 each.What I have been doing is splitting the total and putting half in each account.My...
by jane1
Sat Feb 22, 2014 3:14 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax question
Replies: 5
Views: 540

Re: Non-deductible IRA mess

jane1, if he gets another job with a 401k, couldn't use the "isolate the basis" technique? Basically, he would just roll everything out to an IRA, roll the pre-tax money into the new 401k, the convert the remaining basis to Roth tax-free. Thanks mnvalue. I just read up on the technique, s...
by jane1
Sat Feb 22, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-deductible IRA mess
Replies: 40
Views: 2519

Re: What to do with small prepaid credit cards

Certainly if you go to Home Depot with a Home Depot gift card, they can figure it out but the clerks at Lowes told me there is no way to determine how much is on a prepaid VISA card (or maybe they're just lazy). Or my Lowe's is more upscale than yours. :) I really don't know, but then I don't get t...
by jane1
Sat Feb 22, 2014 2:06 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 2242

Re: Non-deductible IRA mess

DH may be getting into one of these situations and will need to figure some way to avoid the future 8606 tracking. Former employer 401k rolled over into IRA 2 years ago. Current employer 401k - We ended up with some after-tax contributions in addition to pre-tax contributions to get maximum company ...
by jane1
Fri Feb 21, 2014 2:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-deductible IRA mess
Replies: 40
Views: 2519

Re: Cost Analysis: Living in CA vs the South

We moved from the Midwest to Bay Area, CA a couple of years ago. After visiting CA over the years, we have always wanted to live here. Our estimates showed it would cost about 50% more. It appears almost double, if you account for taxes (in our case); but with older housing, smaller spaces. NorCal c...
by jane1
Tue Feb 04, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5996

Re: Any other travel freaks?

We traveled abroad extensively for pleasure for 10+ years while working. Then quit our jobs, put stuff in storage, so we can travel more. Lived in short-term furnished apartments and long-term stay hotels for several years in several cities. Exhausted. Now back to a more settled life in a different ...
by jane1
Tue Feb 04, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9198

Re: New car or used car

Ten years ago it was a much better deal to buy a used car 2-3 years old than a new car. Used car prices have gone up a lot in the last few years though. A frugal friend told me he recently bought the first new car of his life, because the economics had changed. What do you think? We had also always...
by jane1
Thu Jan 30, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: New car or used car
Replies: 9
Views: 1218

Re: Defer I-bonds taxes and impact on taxation of SS benefit

Yes. And, if I recall correctly, it is all or nothing for ALL the I-bonds you own. You can't do it with a subset of the I-bonds you own. Thanks for your responses. Looks like it would be limiting unless you can keep changing between Methods 1 & 2 endlessly. Has anyone tried that? SS benefits ta...
by jane1
Wed Jan 29, 2014 2:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Defer I-bonds taxes and impact on taxation of SS benefits?
Replies: 5
Views: 470

Re: Defer I-bonds taxes and impact on taxation of SS benefit

It is a valid consideration especially if your purchases are concentrated into a smaller number of years. You could consider this like Roth conversions. Suppose you intend to claim SS benefits at 70 and stop working several years before. You can switch the tax status to yearly reporting which will ...
by jane1
Tue Jan 28, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Defer I-bonds taxes and impact on taxation of SS benefits?
Replies: 5
Views: 470

Defer I-bonds taxes and impact on taxation of SS benefits?

For those who max out on I-bonds every year and choose to defer Federal taxes until I-bond maturity, have you done analysis to see whether paying as you go might be more beneficial? I am thinking from the taxation of SS benefits perspective. If you expect to have income that makes 85% of your SS ben...
by jane1
Tue Jan 28, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Defer I-bonds taxes and impact on taxation of SS benefits?
Replies: 5
Views: 470

Re: Marriage and Money

As others have said, financial compatibility - how each of you views spending, saving for bigger home/kids/retirement, supporting parents if needed, etc., is the most important. I am sure there are quizzes out there that you can take to understand your priorities when it comes to finances. If you ar...
by jane1
Thu Jan 09, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and Money
Replies: 32
Views: 3261

Re: HSA Questions

If you are contributing through your paycheck, you will be saving SS+medicare taxes also (employer also would be saving the same amount). That equates to 7.65% for you and 7.65% for your employer. The federal and state tax (some states dont provide the tax benefit) savings can be had even with afte...
by jane1
Thu Jan 09, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 14
Views: 1519

Re: If Not TurboTax, What?

We have been using Taxact (online version) for several years. $13.95 for fed, state and efiling is a great price. And data gets carried over from previous years (personal info, all bank, brokerage details, carryover loss, etc). Handles Roth conversions, HSAs, Sch A/B/C/D, everything. Even imports tr...
by jane1
Thu Jan 09, 2014 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: If Not TurboTax, What?
Replies: 143
Views: 13092

Re: Fitness DVDs

Try Leslie Sansone videos specifically for workout at home with no equipment. Walking at home, low impact for older adults with some light strength training, coordination, etc. Once your parents are familiar with the steps, they can do it while watching other TV programs too. There are 100s of Sanso...
by jane1
Thu Jan 09, 2014 2:10 am
 
Forum: Personal Consumer Issues
Topic: Fitness DVDs
Replies: 11
Views: 931

Re: Laptop suggestions (for my mom)

I would strongly suggest a laptop that is still loaded with Windows 7. Windows 8 really requires that you function like a 'swipe' device like iPod/iPad. I have iPod and iPad and still struggle with Win8 on the newer laptop I bought. I had to put a Classic Shell program on it to function reasonably ...
by jane1
Sun Jan 05, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Laptop suggestions (for my mom)
Replies: 10
Views: 467

Re: 401k Match and Changing Jobs

Things to keep in mind as you try to maximize the match. Each employer can have different rules for Contributions and Match. One employer might allow 100% of paycheck to be withheld for 401(k) whereas another might only allow upto 25% 401k withheld per paycheck (limiting your flexibility in how quic...
by jane1
Tue Nov 12, 2013 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Match and Changing Jobs
Replies: 4
Views: 382

Re: Get an MBA or Invest?

Job mobility and flexibility is the major advantage with an MBA. Even if right now you like your company and industry, things change with time. And you will find you are a lot more marketable and have transferable skills after you get an MBA. If you do it part-time, the whole process from prep to ap...
by jane1
Mon Sep 02, 2013 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 3605

Re: How do you "rent" movies?

Public library. Great collection. They get new DVD/BD soon after release. And we can put hold/freeze. We are typically able to see within a few weeks of a DVD release.
by jane1
Wed Aug 28, 2013 1:41 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 6075

Re: Should I file a claim or not? [auto damage]

I was on the receiving end of something similar. At a stop light, a lady (driving a Merck) rear-ended me. My bumper was damaged and so was her front-bumper. She offered to settle. I got 3 quotes and she paid by check the max quote. In her case, her daughter was on their policy with an accident and t...
by jane1
Fri Aug 23, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Should I file a claim or not? [auto damage]
Replies: 15
Views: 1135
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