Search found 641 matches

by AAA
Wed Mar 01, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 3
Views: 141

Re: State wages (box 16) blank on W-2

In my case, the income is from another state, not my state of residence.
by AAA
Wed Mar 01, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 3
Views: 141

State wages (box 16) blank on W-2

I retired in 2015. In 2016, I received a one-time payment related to my employment in 2015 and was sent a W-2 form in early February this year (2017). Everything looks right except that all the box 16's are blank. Previously, while working, my W-2's would have two state wages boxes, one for my state...
by AAA
Mon Feb 27, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding an HSA - help
Replies: 7
Views: 570

Re: Understanding an HSA - help

One other point - your employer may be subsidizing the cost of the HSA account. After I retired, the HSA account I had set up through my employer starting imposing its monthly fee.
by AAA
Mon Feb 27, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 66
Views: 3699

Re: Do Boglehead DIY or Pay a Professional?

Here's my philosophy on using a pro for non-trivial tasks that I wouldn't enjoy doing: If it's something that would take a pro a long time to do or require more than one person, then I have them do it as I would not want to devote so much of my time to it. If it's something that they (but not me) co...
by AAA
Thu Feb 23, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing for a recent college grad
Replies: 15
Views: 837

Re: Tax filing for a recent college grad

Get one of the tax preparation programs and choose the interview type of input. It will ask questions and guide her to the correct forms to use. Having done so, she can look over the result and learn from that.
by AAA
Mon Feb 20, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 2040

Re: Amazon free shipment down to $35

For small items, I found it cheaper to buy them on eBay. I wasn't about to spend time finding things I didn't really need at the time to add to my shopping cart to get it over $49 to get the free shipping. +1 Exactly what I was going to say. For small items, you can usually find an eBay seller, oft...
by AAA
Mon Feb 20, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 1099-DIV or individual entries
Replies: 9
Views: 696

Re: Consolidated 1099-DIV or individual entries

What House Blend said...and to address STMN's concern, after entering it all one one line, my tax software (H&R Block) asked how much of the exempt interest dividends are attributable to my state of residence.
by AAA
Fri Feb 17, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing from HSA to pay for medical bills is as simple as they say?
Replies: 13
Views: 758

Re: Withdrawing from HSA to pay for medical bills is as simple as they say?

fantasytensai wrote:Thanks for the help guys! It just boggles the mind that the IRS would make saving money simple...:P


It's a much simpler process compared to what I had to do with a previous flexible spending account.
by AAA
Fri Feb 17, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing from HSA to pay for medical bills is as simple as they say?
Replies: 13
Views: 758

Re: Withdrawing from HSA to pay for medical bills is as simple as they say?

With our previous HSA with a megabank, in addition to the credit card they gave us I was able to go online and initiate a transfer to our bank account. They just asked a few questions online like type of expense, date of service, etc. Maybe that was more for our record-keeping benefit. Our current c...
by AAA
Mon Feb 13, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2411

Re: Need quick advice: Pay full year's rent or large security deposit?

Be sure to search for tenants' rights laws for that city and state. In HCOL Boston, for example, it is illegal for a landlord to require upfront payment of more than first&last month's rent, security deposit (no more than one month's rent), and realtor fee (no more than one month's rent). So, i...
by AAA
Mon Feb 13, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2411

Re: Need quick advice: Pay full year's rent or large security deposit?

Many jurisdictions have legal limits on the size of the security deposit. But that would be my preferred path. There are pretty standard ways of dealing with security deposits and disputes about them. The security deposit option is the one we're favoring at this time. As for the other recommendatio...
by AAA
Mon Feb 13, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2411

Need quick advice: Pay full year's rent or large security deposit?

My daughter has to quickly move to a high cost of living area for a new job. She found a suitable apartment but her income does not meet the 40X monthly rent criterion, which would be the case for any apartment in the area. The landlord is offering two options to let her move in (we want to avoid me...
by AAA
Tue Feb 07, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1273

Re: Transition from private insurance to Medicare

Nowizard wrote:Just remember that Medicare becomes effective on the first day of the month that you reach age 65. At least that was the case ten years ago.


And don't they back date it six months?
by AAA
Sat Jan 28, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Preserving Old DVD Content
Replies: 20
Views: 1968

Re: Preserving Old DVD Content

Look into M-Disc. They have a projected 1000 year life. You need an M-Disc capable burner, but can get one inexpensively, and each M-Disc is about $2.
by AAA
Sat Jan 28, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: W2 State Income Question
Replies: 5
Views: 462

Re: W2 State Income Question

I lived in state A but worked in state B. My employer, located in state B, gave me a W-2 with approximately equal amounts in the state A and B boxes. When doing state A's taxes, TurboTax added the two income items. I don't remember the solution, but called TurboTax and they told me what to do. Sugge...
by AAA
Wed Jan 25, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Question about healthcare.gov
Replies: 2
Views: 426

Re: Question about healthcare.gov

Thank you. Will try that.
by AAA
Mon Jan 23, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question about healthcare.gov
Replies: 2
Views: 426

Question about healthcare.gov

My daughter registered on the ACA website and it automatically downloaded IRS information, including information about her current employer and her salary. She wants to to get an idea of what plans/benefits are available in the event she leaves her job but doesn't see how to do this as you can't del...
by AAA
Mon Jan 23, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3266

Re: Requirements to change passwords frequently?

That reset process often involves a canned list of silly personal questions that other people could know the answer to (e.g. birth city, name of first pet, year you were married, etc). That seems to be the weak link in the chain. When confronted with the requirement to set up these challenge questi...
by AAA
Thu Jan 19, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 34
Views: 2001

Re: Toaster Oven Recommendations

ThankYouJack wrote:After about 8 years of solid use, my toaster over is tripping the GFCI and I can now only use it in my garage on a 20A outlet


Is that safe to do?
by AAA
Thu Jan 19, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 34
Views: 2001

Re: Toaster Oven Recommendations

teacher wrote:We have the larger Breville. It has a feature I have not seen on other toaster ovens. When you open the door, the rack moves outward so you can insert or remove pans easily. We used a 20% off coupon at Bed Bath & Beyond.


I thought those coupons usually exclude Breville.
by AAA
Mon Jan 16, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5656

Re: Biting the bullet and getting off the roof.

Even with one of these gutter guard systems in place, it's still a good idea to have a close inspection once a year to check for any loose nails or roof problems.

My suggestion is to just hire someone each Fall, after the leaves come down. My guy charges $100 and is well worth it.
by AAA
Mon Jan 16, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1348

Re: Doing email with a Chromebook

If I were planning to use a dedicated system for finances (accessing banks etc) I think I would avoid using that same device for mail -- or at a minimum, only use it to access a dedicated email account that I used only for password resets. Can you elaborate? Finances involves email - getting transa...
by AAA
Sun Jan 15, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1348

Re: Doing email with a Chromebook

If I were planning to use a dedicated system for finances (accessing banks etc) I think I would avoid using that same device for mail -- or at a minimum, only use it to access a dedicated email account that I used only for password resets. Can you elaborate? Finances involves email - getting transa...
by AAA
Sun Jan 15, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1348

Doing email with a Chromebook

I am considering getting a Chromebook dedicated to online work, including finances, as it appears to be the most secure system. I have a desktop to do the heavy lifting, so I'm not concerned with the processing limitations of the Chromebook. One question I have is how you do email. I currently have ...
by AAA
Sat Jan 14, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2306

Re: Recommendations for home paper shredder

I bought a 15-page shredder at Staples a few months ago - it was on sale at a significant discount. I'd look around for something like that. No point to give the model # as those things change frequently. I find the 10 or 15-page ones are convenient for getting the job done quickly. We have a small ...
by AAA
Mon Jan 09, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5080

Re: Getting rid of mice

One freaky thing this year - three of our first 10 traps disappeared from their bags. I still haven't found them. Wonder if we have something larger than a mouse lurking down there, although no other dropping have been spotted. Look around the area where the trap was placed. It may have only injure...
by AAA
Tue Jan 03, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Another view on Vanguard security
Replies: 20
Views: 2387

Re: Another view on Vanguard security

in addition Vanguard sends you an e mail announcing any transaction that was just made. Those generally arrive in a couple of minutes. And I've questioned how they do that. I think they should just say something like "a transaction was just initiated." I don't like that they put all the d...
by AAA
Wed Dec 21, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 5303

Re: Is it rude to dispose of unwanted gifts?

Accept the gifts and re-gift them or donate them if you don't want them. To tell them to stop bringing you gifts beyond "Oh, you shoudn't have" is just plain rude. I think that's a little harsh. It all depends on how it is said and how receptive or not the MIL is. I know how OP feels as I...
by AAA
Mon Dec 19, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 4971

Re: Water Heater Install $1,800!

Earlier this year we had our water heater (in Pennsylvania) replaced. It's a 50 gallon, gas unit. Cost was $1250 for everything. We've used the same trusted plumber for over 30 years and didn't get other quotes. It's probably not the most efficient model as I called the manufacturer and he said it d...
by AAA
Sun Dec 11, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6470

Re: Physician went out of network. Now I have a bill to pay. What to do

passive income wrote:...Health care is like going to Wal Mart now...


Except that when you go to Walmart, you know in advance the price of what you are purchasing. You don't select it and wait for a bill to come.
by AAA
Sun Dec 11, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6470

Re: Physician went out of network. Now I have a bill to pay. What to do

For me, I'd hate to let them get away with it, certainly not for $150. Last year, I had to make multiple calls to our insurance company over the course of several weeks because the deductible wasn't correctly calculated. After it was finally corrected, they sent payments to providers instead of to u...
by AAA
Sun Dec 04, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Help me replace my beloved shoes...
Replies: 8
Views: 1170

Re: Help me replace my beloved shoes...

Your current shoes look like an Ecco pair I had a few years ago. Here's one from their present lineup (not cheap): http://us.shop.ecco.com/mens-biom-fjuel-train-837514.html?dwvar_837514_color=01001 Here's a more reasonable one from Clarks (with a 20% off sale going on): http://www.clarksusa.com/us/m...
by AAA
Sun Nov 27, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 5744

Re: Why do reviewers love the Dell XPS 13 but users don't?

Interesting how people look at reviews. I first focus on the 1 star reviews myself. As for the Dell XPS, I noticed the same thing when I was looking at that laptop. But all the other laptops I considered generally had about 10% 1 star reviews also. The 2016 base 13-inch MacBook Pro has 16% 1 stars, ...
by AAA
Tue Nov 22, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2512

Re: TLH CA Bond Funds?

With most Vanguard bond funds, dividends are accrued daily so you don't have to take the six-month waiting period that has been described elsewhere for tax-exempt investment vehicles. Could you elaborate on this? If you have a reinvested dividend on, say, Oct. 1 and you sell the whole position on, ...
by AAA
Tue Nov 22, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2512

Re: TLH CA Bond Funds?

There are some complications with TLH of municipal bond funds. Here is a thread from a few years ago. Not sure if the law has changed since then: https://www.bogleheads.org/forum/viewtopic.php?t=3778 "...part (or all) of your tax loss on the sale of a Muni Bond fund is disallowed if a) you held...
by AAA
Sat Nov 19, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

My advice is to use tax software. For example, TurboTax will ask you the appropriate questions about if you earned income in multiple states. I've been bitten by this before by trying to download the state tax forms and do it myself. The software is good at extracting the information from the feder...
by AAA
Fri Nov 18, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

Come on people...here I thought I had resolved everything and now I'm confused again. :annoyed He is not a part year resident of X, he is a non-resident. Two different reps of state X's dept. of revenue say he is a resident, according to their criteria. They said he should fill out a resident return...
by AAA
Thu Nov 17, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

After talking to dept. of revenue reps in both states, I just thought I'd close the loop here by summarizing what I plan to do. It's along the lines of what Beth and others wrote. According to our state, what I called Y, my son is still considered a resident as he is living in state X just because h...
by AAA
Fri Nov 11, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

Most states allow a person to temporarily reside in the state while working on a degree without becoming a resident of the state. My daughter is currently a graduate student in a different state from the one I live in. She chose to remain a resident of my state because she did not know if she wante...
by AAA
Thu Nov 10, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

Investment income from an intangible asset (such as a brokerage or bank account) is considered to have a source where you live, so it would only be taxed by your state of residence at the time the income was paid. If he changed his legal residence from X to Y in August, then income earned through J...
by AAA
Thu Nov 10, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

I'm not sure how to determine if he "really" moved. Is it really up to him and what he considers himself as? He'll be out there for a couple of years working on a graduate degree. Most states allow a person to temporarily reside in the state while working on a degree without becoming a re...
by AAA
Wed Nov 09, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Re: Help me to understand part-year resident state tax obligation

Did he really move or is this a temporary absence and he still considers himself a resident of Y? You normally pay tax where the income is earned. X in this case (as a non-resident). Then file with Y and get a credit . If he really moved he would only pay tax to X (assuming he had no income in Y). ...
by AAA
Wed Nov 09, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2378

Help me to understand part-year resident state tax obligation

My son moved to another state (let's call it X) from our state (let's call it Y) as of 8/1/16 and started earning income doing work for his school in the Fall term. I just got off the phone with X's income tax office and they informed me that he would be considered a resident of X for 2016 income ta...
by AAA
Tue Nov 08, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 2185

Re: Medicare, Ugh

My goal will be to get whatever combination of Parts A, B, C, D, XYZ, Medicare Advantage, Medigap, etc., that creates the least bureaucratic hassles... I would think a Medicare Advantage plan with drug coverage would be the simplest all-in-one plan. Before starting, I read Medicare For Dummies, whi...
by AAA
Fri Nov 04, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds --- Risk Factor -- Appreciate Insights
Replies: 12
Views: 983

Re: Bonds --- Risk Factor -- Appreciate Insights

Gatewood wrote:Golfing with some friends I was assailed for holding 50% of my portfolio in bonds (anticipate Fed rate hike)


We've been hearing about this hike for years.
by AAA
Thu Oct 27, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Input on Independence Blue Cross
Replies: 0
Views: 1706

Input on Independence Blue Cross

I'm in the process of comparing Medicare Advantage plans for 2017. In addition to all the financial considerations, I am not at all happy with my current provider's customer service. When you call, you are forced to listen to a bunch of recorded disclaimers, the reps are in a noisy call room and it'...
by AAA
Mon Oct 24, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6723

Re: Declining Service Expectations. Are there any excellent companies still out there?

Ace hardware gives great service. At my local store if they don't greet you at the door to help you find what you are looking for they will radio someone with what aisle you went down so they can help you find what you need. Sometimes the "Can I help you?" or "What are you looking fo...
by AAA
Mon Oct 24, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6723

Re: Declining Service Expectations. Are there any excellent companies still out there?

This scenario seems to be more and more typical: you call a company and get a rep who is obviously in a call room with a large number of other reps. Due to the noise, it's hard to hear the rep you are talking to, plus sometime there is a hard to follow accent or a poor phone connection. You ask a qu...

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