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Re: CallerID on cell phones

We've had Verizon, Cricket and Tracfone and this is correct on how all 3 have worked.
by runner9
Thu Nov 27, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: CallerID on cell phones
Replies: 3
Views: 309

Re: Current Status of Child Tax Credit

http://www.taxpolicycenter.org/briefing-book/key-elements/family/ctc.cfm

This site agrees with NPR. I'd take NPR over Wikipedia any day, especially with another site agreeing.
by runner9
Thu Nov 27, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Current Status of Child Tax Credit
Replies: 5
Views: 414

Re: Parcial transfer from Rollover IRA to Roth

Sorry, trying to keep line 43, taxable income, on form 1040 under 73,801.

That said, rolling over part will go into my Roth, also held at Vanguard, correct?
by runner9
Wed Nov 26, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Partial transfer from Rollover IRA to Roth
Replies: 4
Views: 318

Partial transfer from Rollover IRA to Roth

I had a 401k from a job I had in college that is now a Rollover IRA at Vanguard. It has $5,600 in it, less than 4% our total portfolio. We’re trying to stay under the 25% tax bracket, which is $73,801. I did a quick envelope calculation a month or 2 ago and guessed our AGI to be $69.5K for this year...
by runner9
Wed Nov 26, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Partial transfer from Rollover IRA to Roth
Replies: 4
Views: 318

Re: Brother wants me to co-sign a house with him

Easy to miss that the OP replied three up including:

I WON'T get into any of this business or house stuff, I will do everything on my own independently. Thanks for the advice.
by runner9
Tue Nov 25, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 2841

Re: Mortgage vs 401K

http://www.bogleheads.org/wiki/Paying_down_loans_versus_investing

This has been debated a ton and could be debated a ton more. There's no one right answer.
by runner9
Tue Nov 25, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs 401K
Replies: 6
Views: 689

Re: Dad wants me and bro to co-own moms hair salon

I think my dad's intention is that he wants me and brother to have some kind of business together. So in the future when parents are away, me and brother will be close in away instead of drifting apart, hah. Have a good relationship by getting along, spending time together, doing family things etc....
by runner9
Tue Nov 25, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 2841

Re: Create new account in case mom outlives assets--How to?

On the "gift tax," a couple of you replied that there really is no gift tax, until you give away $5+ million over your lifetime. I'm sure you must be right, but why doesn't the IRS come out and say that in those simple terms, in any of the relevant publications? I sure can't find it. So t...
by runner9
Tue Nov 25, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Create new account in case mom outlives assets--How to?
Replies: 15
Views: 1322

Redbox price increase (Dec. 2)

FYI, Redbox prices are going up Tuesday, December 2. http://www.redbox.com/pricechange?&et_cid=21206&et_rid=90677029 From an e-mail: We want to let you know that starting next Tuesday, December 2, the price for DVDs will increase to $1.50 a day, and the price for Blu-ray™ Discs will increase...
by runner9
Mon Nov 24, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Redbox price increase (Dec. 2)
Replies: 2
Views: 854

Re: My grown up Christmas wish-A Warm House

Any suggestions on a heat sensor/temp reading thing to buy? Preferably from amazon.
by runner9
Mon Nov 24, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 2909

Re: Create new account in case mom outlives assets--How to?

Just to second what was said, gifting over $14K in one year only decreases your exemption on what you can pass on estate tax free when you die, an amount that's currently over $5 million but subject to change. Give $20K next year and that future estate exemption goes down $6K, that's it.
by runner9
Mon Nov 24, 2014 6:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Create new account in case mom outlives assets--How to?
Replies: 15
Views: 1322

Re: Paid off our Mortgage this evening!

OP here. Thank you for all the congrats! For those discussing if it's a good financial decision I've kind of skimmed over what you wrote, it doesn't apply to us anymore. To each his own, there's emotional benefit as well. As I wrote in the original post: I know there are different debt vs. invest ar...
by runner9
Sun Nov 23, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7569

Re: Paid off our Mortgage this evening!

Thanks, all. Yesterday we got a form letter from PenFed that it's paid off, as long as funds clear. Feeling a bit more real! PenFed did not make us escrow, so we've been paying our own homeowner's insurance and property tax. I do have one question -- what are those two blips on your chart which show...
by runner9
Fri Nov 21, 2014 6:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7569

Re: Dashboard Cameras

by runner9
Thu Nov 20, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5557

Re: Suggestions for the Wiki

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=151267&p=2265522

Based on how this thread is going, guessing the page needs modified in the wiki.
by runner9
Thu Nov 20, 2014 8:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 278
Views: 103979

Re: Question about California Teachers Pension

Yes, but look at it differently. A company has a retirement plan, you contribute some of your wages and they match. They consider it a cost of doing business, or a part of your total compensation. CalPERS is the same way. All teacher's compensation is from taxpayers, both direct pay and "match&...
by runner9
Wed Nov 19, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about California Teachers Pension
Replies: 12
Views: 1218

Re: Vanguard launches new offering ... [Vanguard merchandise

I can put magnets on the back of the car, above the bumper. That said, I don't want to advertise that to all who see my car.
by runner9
Wed Nov 19, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11228

Re: Paid off our Mortgage this evening!

OP here. Thank you for all the kind messages :D Only breathing better because I had the day off, cleaned the house and replaced the furnace filter :wink: The last payment was a bit under $3,300 and included a $35.75 "release fee." The money was in savings at Ally, then transferred to PenFe...
by runner9
Tue Nov 18, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7569

Re: Promo Items

Is it by chance the list discussed here?

http://www.bogleheads.org/forum/viewtopic.php?f=11&t=150706
by runner9
Tue Nov 18, 2014 7:33 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11228

Re: VBS upgrade roll out has started

I'd be fine to switch once some issues are worked out. I'm use to sites (like Yahoo mail) giving the option to decline for several months, then hiding the decline on a buried page, then setting a date you must switch. That way others can work out the problems. Eventually we'll download iOS8 for our ...
by runner9
Tue Nov 18, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13181

Re: VBS upgrade roll out has started

I got the e-mail last week, "Action requested on your accounts by XX, 2014" It seems like there's little benefit if I had no complaints and the possibility for downsides, lost ability to do things I can do now, etc.

So, how do I decline it? Just let it pass? Call the rep and say no thanks?
by runner9
Mon Nov 17, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13181

Paid off our Mortgage this evening!

Today my wife and I are paying off our mortgage! We couldn’t be happier, especially me:) Here’s a graph of our monthly mortgage balance: http://i60.tinypic.com/mmfnur.jpg Feel free to stop reading there, otherwise some background for those interested: We bought our home in May, 2007. It’s our first ...
by runner9
Mon Nov 17, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7569

Re: FSA gains $500 rollover feature

It's weird to me, my employer has the same outside company for both Dependent Spending and Flex Spend for healthcare. (same for both plans, not same as OP as far as I know) Dependent Care can only be paid out after deducted from paychecks. So, right now I get a paper check every two weeks when they ...
by runner9
Mon Nov 17, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3715

Re: [Should I] rent out [my] house [for a 3-day event]?

(not a political post, just mentioning a group) The GOP Convention is in Cleveland in 2016, we don't even know the exact dates. There's already a market for rentals, though many believe it's inflated and they'll head downward by then. (market defined as places listed as available, no idea if there's...
by runner9
Mon Nov 17, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4085

Re: 75w LED bulb in a 60w socket?

Cree bulbs I've bought have a message on them that all bulbs in an enclosed fixture need to be LED, or none do. No mixing of LED and CFL in incandescent in enclosed fixtures.
by runner9
Mon Nov 17, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1978

Re: Stores with $1 gift cards/certifcates?

This is for a school, we can't give cash out. That would make it easy though!
by runner9
Mon Nov 17, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Stores with $1 gift cards/certifcates?
Replies: 3
Views: 472

Stores with $1 gift cards/certifcates?

I have a program for student rewards that we set up with one reward option to be $1 gift certificates from McDonalds. Turns out McDonalds doesn't have these anymore, the smallest amount they have is $5. So, now I'm trying to find another store that sells $1 gift cards/certificates. Any ideas? Prefer...
by runner9
Mon Nov 17, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Stores with $1 gift cards/certifcates?
Replies: 3
Views: 472

Re: How To Invest Your Emergency Fund?

Ours is $10K in ibonds, $20K in an Ally 5 year CD paying 1.89% and $7.5K mostly in Ally Savings (0.9%) with a little in Ally Checking (0.1%)
by runner9
Sun Nov 16, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 69
Views: 9064

Re: 10% off Target GiftCards - Black Friday Preview

I saw this online last week and hope to take advantage. I have a doctor appt. at 10am that day so hopefully online before then, otherwise I'll try in store after but not if it's totally, totally crazy. Not sure about the poster mentioning being open on Thanksgiving. True, this promotion is Friday am...
by runner9
Sun Nov 16, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 14
Views: 2351

Re: Hoa resurrection

They have elected a new board. Fortunately they have set the new dues at only 25 bucks a year, i am just concerened about the potential hassles of being told my grass is an inch too high, plus there is always the potential of the dues increasing. Thanks everyone for your insights. Mike They meaning...
by runner9
Sun Nov 16, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2986

Re: Toyota Class Action Settlement Check, Cash or Not

Not directly what you're asking, but possibly posting the site or link that's giving 404 errors, maybe others will have different results or suggestions from that route.

If it was a recall did you get it fixed?
by runner9
Sun Nov 16, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2381

Re: Shower silicone replacement - Price? DIY?

Do you want it to look nice?

If not I'd say go for it. Worst that happens is you remove the old, put in new that looks bad and then call and have a pro do it.

I'd guess the hardest part is making it look like a nice bead. Some You Tube videos might help.
by runner9
Sun Nov 16, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1651

Re: Question re: transferring Fidelity IRA to Vanguard!

https://www.fidelity.com/why-fidelity/pricing-fees

A $50 account close out fee may apply.


Probably best to call and see what Fidelity means when Fidelity writes "may"
by runner9
Sat Nov 15, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: transferring Fidelity IRA to Vanguard!
Replies: 10
Views: 1236

Re: Experience with Target Redcard?

Target also has a prepaid card issued by American Express that gets the 5% back. It is similar, but not identical to the Bluebird issued by Walmart/American Express. It has no monthly fee, and if loaded with cash or through a bank account, it appears it can be used at no cost to get the 5% discount...
by runner9
Sat Nov 15, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2746

Re: Bogleheads not found easily in Google

Bogleheads should be 1st when Bogleheads is tried, the OP is trying to type "investment forum" and get Bogleheads to come up.
by runner9
Thu Nov 13, 2014 2:42 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2962

Re: Bogleheads not found easily in Google

1st response here as well.
by runner9
Thu Nov 13, 2014 2:26 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2962

Re: Vanguard launches new offering ...

You're right! I didn't look at all the little photos. Thanks.
by runner9
Thu Nov 13, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11228

Re: Whole Life Insurance vs. 401k Contributions

Run away from Whole Life plans. They only make money for the salesman, at least compared to other options.
by runner9
Thu Nov 13, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 3753

Re: Vanguard launches new offering ...

I like the "Retiree in training" shirt, but I'd have to be careful where I wore it. People at work might get the wrong impression. The big " V " shirt makes me think it should come with a Guy Fawkes mask. None jumped out at me though I wish one had. I liked the Retiree in Traini...
by runner9
Thu Nov 13, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11228

Re: Local bank without any checking account fees?

Since I'm in Ohio, can I ask what bank you're referring to? Feel free to PM if you'd prefer. We just switched to Ally for everything. For cash, I can't foresee having a lot but if so a Money Order is 59 cents at the local store, then deposit like a regular check. That's my plan at least, not forese...
by runner9
Wed Nov 12, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2387

Re: Local bank without any checking account fees?

Since I'm in Ohio, can I ask what bank you're referring to? Feel free to PM if you'd prefer. We just switched to Ally for everything. For cash, I can't foresee having a lot but if so a Money Order is 59 cents at the local store, then deposit like a regular check. That's my plan at least, not foresee...
by runner9
Wed Nov 12, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2387

Re: nuts and bolts of rolling over 403b

BuckyBadger wrote:I'm hoping that the tax forms I have to fill out won't blow my mind!


Glad it worked out for you! Maybe I'm ignorant, but what tax forms does this transfer? Looks like roth to roth and traditional to traditional.
by runner9
Tue Nov 11, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 655

Re: email notifications

My personal experience is anytime there's a reply you get an e-mail. The next e-mail doesn't come until you've clicked the link in that reply. So, if I don't click it for 2 days no other e-mails come and there might be just the 1 reply or 50 replies. Next reply after clicking gets a new e-mail. Othe...
by runner9
Sun Nov 09, 2014 9:15 am
 
Forum: Forum Issues and Administration
Topic: email notifications
Replies: 2
Views: 470

How long to keep Health EOB and clinic statements?

As I organize and file paperwork I'm realizing my laterial file these papers go into is getting kind of full. I've looked on this site and online and want to double check my thinking. We don't have a HSA so I'm not talking about that, there's nothing tax related involved. Every 2 weeks or so we get ...
by runner9
Sat Nov 08, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep Health EOB and clinic statements?
Replies: 2
Views: 394

Re: Your very first email

Not my first, but in the late 90s and early 00s in college we had a basic program called PINE ( http://en.wikipedia.org/wiki/Pine_%28email_client%29 )that I liked. They went web-based for college e-mail but kept PINE going which I used until graduation. It was basic, fast and easy to learn.
by runner9
Thu Nov 06, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2381

Re: The 4-year mortgage payoff plan

Yep, still here:)

Congrats! We'll be following soon behind you (with a separate thread of course!) I personally don't feel our mortgage to be "indentured servitude" but since you do all the better and more congrats that you're paying it off!
by runner9
Thu Nov 06, 2014 6:11 am
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 19718

Re: PenFed Visa card for Gas program changing, now with a fe

I called and asked/double checked that $25 in a Money Market Savings would work for keeping the 5% and asked if the $5 share account would count if upped to $25. She told me they were different, needed the money market. I'm guessing she would have said if I didn't need either. I also believe the web...
by runner9
Wed Nov 05, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 30389

Re: PenFed Visa card for Gas program changing, now with a fe

As we get ready to pay off our 5/5ARM mortgage with PenFed I remembered this thread and that we'll need another qualifying product to get 5% back. The current info page lists: **You can earn 5.00% on gas purchases paid at the pump and avoid an annual fee by obtaining a qualifying PenFed product: Act...
by runner9
Tue Nov 04, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 30389
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