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Re: New home worth the extra $$?

Are you moving from out of state for a job or something and need to make a quick decision? If not, I agree with the previous poster to take your time. You should probably look at something like 100 homes before coming to a decision. This is definitely likely to take you several months. There are do...
by jay22
Tue Aug 26, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1739

Re: New home worth the extra $$?

Thanks for the replies. It's overwhelming for first time home buyers like us to which direction to take and how to make sure we're making the right decision. I do not mind spending the extra 25K if it makes sense, but don't want to pay for it only because it's new.

Back to the drawing board. :D
by jay22
Tue Aug 26, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1739

New home worth the extra $$?

My wife and I are first time home buyers and started looking at houses this weekend and saw a couple of new houses which we really liked. The difference between a 10 year old house and a new house is about 25K (the older homes are in the 390-400K range the newer ones are in 415-425K range), do you t...
by jay22
Mon Aug 25, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1739

401K help

I was very excited that I'll be offered a 401K at my new work place, but after seeing my fund options, I was extremely disappointed. The 401K manager is Fidelity and following are the funds available: Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees FA FREEDOM 2005 A (...
by jay22
Fri Aug 22, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 8
Views: 485

Re: tIRA - Tax deductions

johnny847 wrote:If you hit the deduction phaseout, you could decide to recharacterize your traditional contribution to a Roth. You can recharacterize retroactively, but before the tax filing deadline, so you don't have to worry about this until next year when you file your taxes.

Thanks. That's good to know.
by jay22
Thu Aug 21, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA - Tax deductions
Replies: 9
Views: 621

Re: tIRA - Tax deductions

Thanks. So it looks like I can get full deduction if my MAGI < 96K.

http://www.irs.gov/Retirement-Plans/Pla ... an-at-Work
by jay22
Thu Aug 21, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: tIRA - Tax deductions
Replies: 9
Views: 621

Re: Kaiser vs Blue Shield

Thanks so much for all the insightful replies, folks! I can always trust this forum to get answers to whatever mundane questions I might have. :happy
by jay22
Thu Aug 21, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5051

tIRA - Tax deductions

I was working for a company which didn't offer any 401K options - for that reason, I invested in tIRA accounts for both me and my wife and fully funded them earlier this year. The new company I am joining (starting next month) does offer 401k. Can someone please explain to me if the 11K I put in the...
by jay22
Wed Aug 20, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA - Tax deductions
Replies: 9
Views: 621

Re: Kaiser vs Blue Shield

If I look at purely financial terms, then Kaiser is cheaper. Kaiser's deductible is 2500, Shield's is 4000. Kaiser monthly premium is also about $15 cheaper.
by jay22
Tue Aug 19, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5051

Kaiser vs Blue Shield

I am changing my job next month and the new employer has option of choosing between Kaiser and BS CA. Can anyone share their experiences with those two and help me choose the right one? FWIW, I live in Northern CA and both my wife and I are pretty healthy (haven't had a doctor's appointment for the ...
by jay22
Tue Aug 19, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5051

Re: Retired Bogleheads want to relocate to California

I am not retired (not even close!), but recently moved to CA. If you're flexible on looking into northern CA, I would strongly suggest you look into Sacramento - we love it here! It's an easy 90 mins drive to SF bay area without the crazy housing prices. In my opinion (after having lived in SF and L...
by jay22
Mon Jun 23, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6997

Re: What Do You Eat For Snacks?

VictoriaF wrote:
jay22 wrote:It's probably an ignorant question, but what is MMM, MDA and MCT?


MMM and MDA are blogs Mr. Money Mustache and Mark's Daily Apple. MCT is Medium-Chain Triglycerides.

Victoria

Thanks. :happy
by jay22
Fri Jun 20, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6473

Re: What Do You Eat For Snacks?

It's probably an ignorant question, but what is MMM, MDA and MCT?
by jay22
Fri Jun 20, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6473

Re: How much car can I afford while paying cash? Details ins

You're 26 years old, saving 100K a year and you're asking strangers on internet whether you can afford a 40K car? I think deep down you know the answer to this question. :)
by jay22
Fri Jun 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 4097

Re: Shopping at Costco

I did ask around in my friend circle, but no one has a Costco membership. :(
by jay22
Mon Jun 16, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5136

[can you] shop at Costco [without a membership?]

It's a naive question, but I'll ask anyway. Is there a way you can shop at Costco even though you're not a member? I wanted to buy a few things from there, but don't think I'll use the membership regularly. Is there a way around for people like me? Thanks.
by jay22
Mon Jun 16, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5136

Re: engineers - please help with engineering school selectio

Engineering you say? Please take a serious look at USC - the faculty there is top notch, specially in CS and EE.
by jay22
Thu Jun 12, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5427

Re: SACRAMENTO, CA AREA BOGLEHEADS

Do we still have a Sacramento area group? I recently moved here and would be interested in joining you guys in your next meeting.
by jay22
Thu Jun 05, 2014 9:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SACRAMENTO, CA AREA BOGLEHEADS
Replies: 16
Views: 3068

Re: Thoughts on using Mint.com?

Don't really care for Mint's investment option, but use is religiously for everyday spending analysis. It's a fantastic tool! The analysis it does would be extremely hard and tiresome to do manually.
by jay22
Tue Jun 03, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on using Mint.com?
Replies: 36
Views: 2035

Re: Morningstar Portfolio Tracking or is there a better trac

Took a look at wikiinvest.com a while back. It looks pretty good as well.
by jay22
Sun Jun 01, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1863

Re: Morningstar Portfolio Tracking or is there a better trac

Sigfig.com is awesome. I actually like the app better than the website. It aggregates all holdings and shows you neat charts of detailed asset allocation, geographical diversification, etc. Also it pulls relevant news on your holdings (not too much nor too little like some sites) and is very well o...
by jay22
Sat May 31, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1863

Re: How to buy a house?

Got some great advice here, thank you! We're narrowing our search to great school districts and will take it from there. We also don't want to buy a house till we can put down at least 25%. We don't have any debt and want to make sure we can pay off our mortgage in 15 years or so. Even the thought ...
by jay22
Thu May 29, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a house?
Replies: 30
Views: 2625

Re: Ideas for dining inexpensively

Groupon deals is what you need!

We've got some great deals on some very good restaurants using Groupon - we typically use them when we don't feel like cooking and want an inexpensive option. I am sure you'll have a lot of choices in the bay area.
by jay22
Wed May 28, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4549

Re: How to buy a house?

Got some great advice here, thank you! We're narrowing our search to great school districts and will take it from there. We also don't want to buy a house till we can put down at least 25%. We don't have any debt and want to make sure we can pay off our mortgage in 15 years or so. Even the thought o...
by jay22
Wed May 28, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a house?
Replies: 30
Views: 2625

Re: How to buy a house?

Your monthly mortgage should not be more then 25% of your take home pay. Research current interest rates, then run through the various mortgage calculators online to see what the number is. As for down payment you should try for 20% to avoid PMI. Do look at schools, neighborhood parks, noise level....
by jay22
Wed May 28, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a house?
Replies: 30
Views: 2625

Re: How to buy a house?

wilked wrote:Out of curiosity, have you searched the forum? Lots of info already there.

Trust me, I have. There's just so much info out here and on the internet that I feel overwhelmed. Kinda like when I started investing 2 years ago. :)
by jay22
Wed May 28, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a house?
Replies: 30
Views: 2625

How to buy a house?

How do you know how much mortgage you can afford and how big/small your house should be? My wife and I have started talking about buying a house this year but we have absolutely no idea how to go about it. Does the mortgage (or is total house cost?) shouldn't exceed twice your annual income still ho...
by jay22
Tue May 27, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a house?
Replies: 30
Views: 2625

Re: What Book Are You Currently Reading? Part V

Just finished Unbroken by Laura Hillenbrand. This book just blew me away. Outstanding piece of work; highly recommended.
by jay22
Tue Apr 29, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3267
Views: 1113228

Re: Has anyone bought a smart TV rcently?

So, I went to BB again today and asked them if they have any non smart TVs in the 46-50 inch range. To my surprise, they only had a couple. One LG and another Vizio. Not sure if Walmart carry any but I'll check there as well. Otherwise, I'll just have to get a smart TV and just deal with the softwar...
by jay22
Mon Apr 28, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Re: Has anyone bought a smart TV rcently?

Which 'dumb' Samsung TV would you recommend if I want to go that route? Does anyone here own one? I don't want something with a sluggish interface and apps that keeps on crashing.
by jay22
Sun Apr 27, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Re: Has anyone bought a smart TV rcently?

I bought Samsung UN46EH5300 recently, the 46in version of one of your option. It is a very good TV in general. The software is however, just so so. When it works, it's great: Amazon, Netflix has really good picture on it with the built in software. However, the boot time is rather slow. And sometim...
by jay22
Sun Apr 27, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Re: Has anyone bought a smart TV rcently?

Three Samsung all smart TVs. No problem. Vizio 55" also but not smart TV so I cant comment. All of our smart TVs are pain if you like to use web browser . For applications like you tube netflix bbc news etc great and very easy. Easy to hook up for HDMI input to and great pictures. Samsung are ...
by jay22
Sun Apr 27, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Re: Has anyone bought a smart TV rcently?

We bought two Samsung TVs (40-inch for the bedroom and 46-inch for the living room) a couple of years ago and have been very happy with them. The picture quality is outstanding. I have a small 22-inch Samsung in another room and am looking to replace it with the Samsung UN50EH5300. In fact, it is i...
by jay22
Sun Apr 27, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Re: Has anyone bought a smart TV rcently?

I bought a Sony KDL-47W802A 47-Inch 120Hz 1080p 3D Internet LED HDTV in January. I have been very satisfied. I own two older Sony Bravias but this my first smart TV. Linking to Wifi was a snap & the apps (Amazon Prime, Netflix, MLB, etc.) let me get rid of my Roku box. Couldn't be happier. Yeah...
by jay22
Sun Apr 27, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Has anyone bought a smart TV rcently?

I am in market for a new TV and can't decide which one to buy, wondering if people have bought one recently and how good/bad experience has been. I am looking for something in the 46-50 inch range. Till now, I am shortlisted Samsung UN50EH5300 (50 inches) and VIZIO M471i-A2 (47 inches). Like most of...
by jay22
Sun Apr 27, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7869

Weight limit in a Civic?

I am preparing for a cross country drive in a 2012 Civic and was wondering how much weight is too much for a 2000+ mile drive? I have a lot of luggage that I want to carry in the car with me. Any suggestions on things to keep in mind - how much weight to carry? Also, I am not sure if it is true, but...
by jay22
Sat Mar 29, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Weight limit in a Civic?
Replies: 4
Views: 633

Re: Road trip advice?

My wife and I are moving to Sacramento, CA from Lansing, MI in 2 weeks or so. We'll be driving our 2012 Civic with luggage to the west coast. We plan to take I-80 all the way (we should hit it after about 200 miles from Lansing) to Sacramento. How many days do you think we need to reach there? We a...
by jay22
Wed Mar 26, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Re: Road trip advice?

Got some great suggestions and advice here! Thanks so much to everyone.
by jay22
Tue Mar 25, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Re: Road trip advice?

I think your distances are completely reasonable. If it were, and I was eager to get home, I might consider stretching it to 3, if I knew I could do it safely. (I'm also the type that likes to head out crazy early, see the sunrise, then stop for breakfast after an hour or two.) That won't work with...
by jay22
Mon Mar 24, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Re: Road trip advice?

Thanks for the replied so far! Looks like our plan makes sense. We're looking fwd to the drive! I've done a similar cross country trip a number of times, most recently Washington State to Detroit. Though boring, your plan will work just fine. Just west of Omaha there are number of reasonable motel i...
by jay22
Mon Mar 24, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Re: Road trip advice?

MP173 wrote:I have made two trips recently in the 850 mile range in one day...12.5 hours driving. Your plan is very doable.

Ed

Really? Maybe I am being way too conservative with my estimates then. :)
by jay22
Mon Mar 24, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Road trip advice?

My wife and I are moving to Sacramento, CA from Lansing, MI in 2 weeks or so. We'll be driving our 2012 Civic with luggage to the west coast. We plan to take I-80 all the way (we should hit it after about 200 miles from Lansing) to Sacramento. How many days do you think we need to reach there? We ar...
by jay22
Mon Mar 24, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3046

Re: Best smartphone in 2014?

InvestorNewb wrote:I need a new phone... my old one (now ancient) broke after 4 years of use.

I use the internet a lot and I also want one with the best camera for photos/video.

Any suggestions?

If you're looking for the best camera, go for iPhone. Can't beat it's picture quality and details.
by jay22
Wed Mar 19, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2752

Re: Best smartphone in 2014?

I have an S4 and my wife uses an iPhone 5. I have used Nexus 5, too. I can tell you that iPhone 5 is a lot better than both of them. I used to be a fan of android phones but I am going to switch to an iPhone when the next models comes out. They are much more refined, responsive and intuitive.
by jay22
Wed Mar 19, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2752

Switched to AIO from AT&T

I recently moved from to AIO from AT&T and thought I'd let you guys know my experience. In case anyone's considering moving to a MVNO, I can't recommend AIO enough. Porting my number was a breeze - once I inserted my new AIO sim, I was all set, didn't experience any down time. The data speeds ar...
by jay22
Fri Mar 07, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Switched to AIO from AT&T
Replies: 2
Views: 331

Re: Turbo Tax/Tax Act - Basic version

Thanks, guys. That's what I did - just entered the amount as it was listed in the 1099-DIV. But then, I checked my 1040 and saw the ordinary and qualified dividends in boxes 9a and 9b respectively. Ordinary dividend amount was added to my income. How would I ensure that the qualified ones are taxed ...
by jay22
Tue Feb 11, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1514

Re: Turbo Tax/Tax Act - Basic version

I had a follow up question on the 1099-DIV form (this is the first time I have received it, so trying to make sure I understand how it is structured and such). What is the difference between total ordinary dividends (box 1-a) and qualified dividends (box 1-b)? I understand that qualified dividends a...
by jay22
Tue Feb 11, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1514

Re: Turbo Tax/Tax Act - Basic version

I don't need to file Schedule D since I didn't sell anything in 2013. Which is why I was wondering if the basic will do just fine for what I am trying to do. To answer your question, Basic desktop version will do just fine. It wll do any personal tax return you can throw at it. Thanks. I am assumin...
by jay22
Thu Feb 06, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1514

Re: Turbo Tax/Tax Act - Basic version

I don't need to file Schedule D since I didn't sell anything in 2013. Which is why I was wondering if the basic will do just fine for what I am trying to do.
by jay22
Thu Feb 06, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1514

Turbo Tax/Tax Act - Basic version

Forgive me for asking this naive question. This is the first time I am doing my own taxes using Turbo Tax or Tax Act (can't decide which one I should go with). I only have W2, 1099-INT and 1099-DIV to be taken care of. tIRA and standard deductions, no mortgage, kids etc. Do I really need anything ot...
by jay22
Thu Feb 06, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1514
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