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Re: HSA Tax Reporting

Ok, now as I re-read the statute, I wonder if HSAs could be exempted by this paragraph: 77:4-b Interest and Dividend Income of Employee Benefit Plans and Tax Deferred Investments Not Taxable. – Notwithstanding any provisions of RSA 77:4 to the contrary, interest and dividend income received by an em...
by magellan
Sat Mar 28, 2015 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 997

Re: HSA Tax Reporting

Do you have an official source for this? I checked several sites which say that NH and TN do tax dividends and interest in HSAs, and others which say that they do not. I believe TN used to tax them but changed its law, and not all sites will have been updated. Here's a link to the state's interest ...
by magellan
Fri Mar 27, 2015 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 997

Re: HSA: "combined" spousal account

In what month did you terminate the HDHP and start your Medicare coverage? If you terminated your HDHP coverage to start Medicare mid-year, you still get to make a contribution (for both of you), prorated for the partial year. I think the rules say that you multiply your full-year contribution limit...
by magellan
Fri Mar 27, 2015 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA: "combined" spousal account
Replies: 11
Views: 671

Re: HSA Tax Reporting

grabiner wrote:Three states: AL, CA, and NJ.

Make that 4 states: AL, CA, NJ, NH

However, NH's 5% Interest and Dividends Tax exempts the first $2400 of interest and dividends from taxation ($4800 for MFJ).
by magellan
Fri Mar 27, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 997

Re: Building a new house. Any recommendations?

It may be worthwhile to research if radon is an issue in your area. We had a passive suction system installed at construction time that included PVC under the basement floor with a PVC pipe from the basement through the roof. This passive system doesn't use electricity and is maintenance free, but a...
by magellan
Fri Mar 27, 2015 9:07 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 44
Views: 3388

Re: COBRA vs ACA

...I'd suggest, if possible, waiting for the current Supreme Court case to be decided this summer. It may change your decision or options depending on your state and if you will receive any subsidy. It sounds like the OP is in Massachusetts and the Supreme Court case won't impact subsidies there. T...
by magellan
Sun Mar 22, 2015 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2133

Re: COBRA vs ACA

Your employer's group is generally made of healthier people than the ACA groups, since at least the employees have to be sufficiently healthy to work. That means the overall costs should be lower. The exception to this would be a small company where a few very sick employees or dependents could mak...
by magellan
Sun Mar 22, 2015 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2133

Re: COBRA vs ACA

Under what conditions would purchasing directly from the insurer be cheaper? You won't see a price difference for the exact same policy, but if you don't qualify for subsidies, it's less complicated to cut out the healthcare.gov middleman. Also, some insurers may offer certain policies off the exch...
by magellan
Sat Mar 21, 2015 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2133

Re: Observations from a first time poster, long time reader.

It would be interesting to analyze how this strategy would have impacted retiree portfolio survivability during historically worst-case draw down periods. On the face of it, it may be that giving up a few points of potential return in a great investing climate would be no problem, if what you got in...
by magellan
Thu Mar 19, 2015 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15604

Re: Ice Dams - now what?

...That area is a low-pitched roof with skylights. The roofer (who installed them in the first place) told us he thought the roof did not meet the minimum pitch requirements for the product, but I found the model number, and determined that the pitch (14 deg.) is equal to the min. requirement. As I...
by magellan
Thu Mar 19, 2015 8:18 am
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4360

Re: Rural cellular signal help

I wouldn't use 'bars' as a reliable indicator of signal strength. Although you may ultimately need a booster, it could be worth it to try an app that gives a real time dBm reading of the cell signal strength. On Android, I use two apps. The first is called Network Signal Info. It has an easy to read...
by magellan
Tue Mar 17, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Rural cellular signal help
Replies: 5
Views: 575

Re: What internet speed is fast enough?

I felt like I had won the lottery when I found out our address was included in the pilot project. It's an amazing thing for our rural town. I hope the roll out goes well and the project succeeds. Cable companies have been working furiously to get state laws passed to block projects like this. A les...
by magellan
Tue Mar 17, 2015 1:53 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4401

Re: Savannah

DW and I enjoyed the architectural walking tour we took with this guy last year:
http://www.architecturalsavannah.com
by magellan
Tue Mar 17, 2015 9:51 am
 
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 25
Views: 2516

Re: Ice Dams - now what?

Does IWS ccome in a roll? If so what is the width of it? If you want it to have your entire roof covered in IWS, does the bond between successive roll withstand the backing up of the snow dams? I am trying to understand if IWS uses similar kind of layering mechanism as it is done for roof shingles....
by magellan
Mon Mar 16, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4360

Re: Starting a New Business with a Partner - Setup Questions

As for contributions: we won't have a lot of initial cost inputs outside of time, which may make things simpler, but good idea re:proportional inputs as applicable - my default plan was/is to pay setup costs out of pocket, and agree that those will simply be paid back first from revenues before spl...
by magellan
Mon Mar 16, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a New Business with a Partner - Setup Questions
Replies: 11
Views: 714

Re: Wireless Internet Question

We have 8 security cameras that are all poe hard wired . we also have a dedicated computer hard wired for monitoring. Everything else is wireless. I was thinking cable modem--->smart gigabit switch--->one port to poe switch with cameras and one port torouter That won't work? Probably not. Unless yo...
by magellan
Mon Mar 16, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2413

Re: Wireless Internet Question

I think what we are going to do is run the Internet to a switch and try placing the router in a better location. Hopefully will get away with this quick fix. Other than the room where the repositioned router will live, do you plan to have any other wired network devices in the house? If you only ne...
by magellan
Mon Mar 16, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2413

Re: Starting a New Business with a Partner - Setup Questions

I was part of a 4 person partnership a few years ago and we used an LLC. Even though I had previously set up a single member LLC myself, we hired a lawyer to set up the partnership LLC. That cost around $1200 for everything. I think he mostly used a template for the operating agreement, but it was w...
by magellan
Mon Mar 16, 2015 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a New Business with a Partner - Setup Questions
Replies: 11
Views: 714

Re: Annuity -SPIA

Buying an annuity combines two distinct retirement planning steps into one action. The first is removing funds from your risky portfolio to dedicate to the job of producing a safe income stream. The second is augmenting that safe income stream with insurance so that it continues until you die. You d...
by magellan
Mon Mar 16, 2015 7:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Annuity -SPIA
Replies: 9
Views: 716

Re: Guyton-Klinger Withdrawal Decison Rules

Mind sharing some of your experience with such decision rules? What works well, what doesn't work so well, what could be improved? You must have looked at numerous outcomes pretty hard in the process of developing such a tool. It's been several years since I coded the decision rule logic, but the b...
by magellan
Sun Mar 15, 2015 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 111
Views: 7167

Re: Ice Dams - now what?

that moisture barriers can work, but are not 100% effective, especially around dormers. Impermeable moisture barriers are darn near 100% effective when used and installed correctly. I get huge ice dams on several areas of my home's roof every year, yet they've never caused any damage. As with anyth...
by magellan
Sun Mar 15, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4360

Re: Guyton-Klinger Withdrawal Decison Rules

Speaking of simplicity of implementation, has anyone created a calculator for the Guyton-Klinger decision rules. The basic calculations are pretty straightforward. I made a Monte Carlo based tool that supports something roughly similar to the decision rules. Here's a link: http://www.flexibleretire...
by magellan
Sun Mar 15, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 111
Views: 7167

Re: Ice Dams - now what?

So, how can a properly installed roof leak - ice dams or no ice dams? This seems like a "roof problem" not an "ice dam problem". I tend to agree with this, although this year was a stress test year for many locations. Roofs that have been good enough for their geography for year...
by magellan
Sat Mar 14, 2015 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4360

Re: Oneplus One phone- experience?

The OnePlus One is bigger and heavier (5.71 oz) than the Samsung S3 (4.69 oz). So make sure you are OK with that. When I first got mine, I thought I had made a big mistake in this regard. It is much more noticeable in my pocket than my last phone, especially in the front pocket of jeans. So much so...
by magellan
Sat Mar 14, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1743

Re: Wireless Internet Question

Assuming you can position the WRT-1900AC so it covers the entire house, IMO your best bet will be to use the new device as the home's main wireless access point and then get a good but inexpensive router that supports gigabit ethernet as your main router. You'll connect the WRT-1900AC to the router ...
by magellan
Sat Mar 14, 2015 9:07 am
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2413

Re: Which Asus computer to buy?

In fact, the current-gen Core i7 is way overkill for what most people need a computer to do. Do you regularly run physics simulations or video editing? An SSD with a Core i3 would make for a snappier experience for most tasks. I used to also think that an i3 was good enough for most general purpose...
by magellan
Sat Mar 14, 2015 8:03 am
 
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2079

Re: Oneplus One phone- experience?

I've had mine for a few months and I like it a lot. I'm not sure what Android has for built-ins these days, but the Oneplus One has SIP calling built into the dialer (for VOIP), a wifi hotspot, and built in VPN support. I use all of these regularly and having them integrated and controllable from th...
by magellan
Fri Mar 13, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1743

Re: What internet speed is fast enough?

With many ISPs, your throughput will be very uneven. Sometimes you might get 6Mbps and other times you may only get 2Mbps or less. This is because every ISP oversubscribes their network by design. Some ISPs oversubscribe by 100 to 1. That means that by design, everyone can't be using all their bandw...
by magellan
Thu Mar 12, 2015 5:31 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4401

Re: Old homes and radiator heating

The boiler for my system is in the detached garage (pipes run underground between the garage and house), so I don't see how that could contribute to the very low humidity in my house which has baseboard heating. In that case, the low humidity is probably from too much dry outside air infiltrating t...
by magellan
Wed Mar 11, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Old homes and radiator heating

I have to reply to the many people who have mentioned that radiators do not dry out the air like forced air heat. As I understand it, the reason forced air systems tend dry the air more than hydronic systems is because most duct work leaks at least somewhat and those leaks increase air infiltration...
by magellan
Tue Mar 10, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Will you buy an Apple Watch?

IMO, this announcement bodes very well for the future of Apple without Mr. Jobs. Not because the watch is anything special, but rather, because it isn't special, yet we're all still talking about it a day later. That takes a certain kind of marketing mastery that Apple somewhat uniquely possesses. A...
by magellan
Tue Mar 10, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16508

Re: Old homes and radiator heating

The heat is overpowering for seasons the are up and down in temp, so we use the electric heat for those times. If using the electric heat isn't too costly, that's probably a good workaround. OTOH, the water temperature in forced hot water systems can easily be adjusted to solve this problem if you ...
by magellan
Tue Mar 10, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Old homes and radiator heating

Does the system use steam or forced hot water? Radiators are used in both types of systems. Forced hot water heating systems are common and relatively easy to maintain, regardless of whether they use radiators or radiant baseboard heating. Any reputable HVAC company can maintain this type of system,...
by magellan
Tue Mar 10, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Driveway Replacement Cost

I'm considering replacing my 18 y.o. 400 foot long asphalt driveway in parts. Has anyone replaced just part of their driveway and if so, do the economics work out or do you end up paying a ton more in the end? I try not to use salt on my driveway but one part is steep and shaded and I use salt liber...
by magellan
Sun Mar 08, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2679

Re: Driveway Replacement Cost

In respect to pavers and moss, I have a brick patio and moss clings to the surface of the bricks, is high maintenance. Only if you feel you have to get rid of the moss, unless I am missing something. I liked the look of the moss on the paver joints, but as time passed, a blackish moss/mold started ...
by magellan
Sun Mar 08, 2015 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2679

Re: Typical Dealership Documentation Fee in MA??

As for Internet shopping what I am seeing is that Dealers are not willing to give quote( as we now understand out of showroom quote) and asking me to come down to showroom. I have even told them I do not need to test drive this vehicle as I have driven this model many many times just give me a comp...
by magellan
Sat Mar 07, 2015 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 993

Re: Typical Dealership Documentation Fee in MA??

Also, you may want to also consider dealers in southern NH. Most of them are experienced with selling to MA residents and I believe many will handle MA registration. You'll have to double check or make two trips to complete the sale, get the registration done, then pick up the car. Registration cost...
by magellan
Sat Mar 07, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 993

Re: Typical Dealership Documentation Fee in MA??

It would probably be worth it to search the forum for new car buying advice to get the full scoop. http://www.bogleheads.org/forum/viewtopic.php?t=124638 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=96946 In the woburn MA area, you have lots of options and I suspect you'd do well using ...
by magellan
Sat Mar 07, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 993

Re: Anyone with experience adding insulation to an older hom

--Depending on the exterior material of your house (mine is stucco)...will they patch the holes to make the finish look as good as you'd like (or as good as the rest of the house). Many houses in my neighborhood have TERRIBLE stucco repair that looks like someone punched random holes in the house W...
by magellan
Thu Mar 05, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience adding insulation to an older home?
Replies: 15
Views: 978

Re: Still no 1099

You don't need the 1099 to file your taxes. The risk is that the amount the payer shows on the 1099 might not be what you expect. This isn't a significant risk, since you should know exactly how much you received from this payer. OTOH, it might be worth sending an email to refresh the payer's memory...
by magellan
Thu Mar 05, 2015 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Still no 1099
Replies: 6
Views: 460

Re: Erroneous NY Ezpass violation - Any tips?

Deleted duplicate.
by magellan
Thu Feb 26, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Erroneous NY Ezpass violation - Any tips?
Replies: 20
Views: 2142

Re: Erroneous NY Ezpass violation - Any tips?

After almost 4 months, I finally got this resolved. The summary is that at least with NY, if you get a toll violation letter, the economically sound thing to do is to just pay the toll and associated fine, even if you don't owe the money. That seems like a crime, but it's reality. Getting the NY Thr...
by magellan
Thu Feb 26, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Erroneous NY Ezpass violation - Any tips?
Replies: 20
Views: 2142

Re: Should I shut off water in a vacant home in winter?

I should add that while I'm away, I do remotely monitor the temperature in the house to make sure the heating system is working.
by magellan
Wed Feb 25, 2015 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Should I shut off water in a vacant home in winter?
Replies: 15
Views: 1416

Re: Should I shut off water in a vacant home in winter?

The only concern I have is with the hot-water radiator system. The boiler is connected to the cold water lines. Will shutting down the cold water system damage the boiler in any way? I do this whenever I travel and have never had a problem. First, I close the valve on the supply line near the boile...
by magellan
Wed Feb 25, 2015 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Should I shut off water in a vacant home in winter?
Replies: 15
Views: 1416

Re: help me speed up my computer

What I experience is when I click, nothing happens for about 1-2 seconds, then things seem to fire up and go. During that 1-2 second pause, the spinning circle 'freezes' - it's now a non-spinning partial circle.... then it's going again and then the page loads. Do you see this consistently with eve...
by magellan
Sun Feb 22, 2015 6:40 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3767

Re: Giving guests free WiFI @ short-term rental = get sued?

I would probably avoid a short term rental that charges for wifi. If wifi was listed as an amenity without a mention of the fee, I'd consider that a fraudulent listing and would write a bad review and report the property owner to VRBO or Homeaway. The cost isn't the issue, but as others have said ch...
by magellan
Sat Feb 21, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3760

Re: help me speed up my computer

Try going to "Control Panel->Programs->Uninstall a Program". Sort the list of installed programs by "Installed On" date and look for anything unfamiliar or suspicious that got added around 6 months ago. Crapware that's quietly installed along with wanted programs or updates usual...
by magellan
Sat Feb 21, 2015 8:14 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3767

Re: Question on LLC Corporation Bankruptcy Process

... the business fails, and debts are $200,000 between 4 people. I'm not a lawyer and this isn't legal advice, but...If the business incurred this debt, then most likely the business is on the hook pay the debt and the only way for it to not pay the entire debt is to declare bankruptcy. This depend...
by magellan
Fri Feb 20, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on LLC Corporation Bankruptcy Process
Replies: 2
Views: 150

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

astrohip wrote:And I guarantee you, the loophole this creates via a fake certificate, is already being worked on by hackers trying to exploit it. It's too juicy to ignore!

Already done.

As of tonight, every lenovo laptop with this malware on it is wide open to a man-in-the-middle attack.
by magellan
Thu Feb 19, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4925

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

The complexity of the Foreign Tax Credit makes you wonder if all tax programs handle it correctly and in the same way. It would be interesting to try and reverse engineer a case where Foreign Source Income is adjusted and see if they prorate across the 0%, 15%, and 20% Capital Gains tax brackets. I...
by magellan
Sat Feb 14, 2015 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7239
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