Search found 361 matches

by FB01
Fri Sep 30, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: What you guys do with the bonus
Replies: 35
Views: 1669

What you guys do with the bonus

Hi,

Just want to get an idea as what people do with bonus.

I am planning to put in Roth IRA for next year and rest to extra payment for my mortgage. Want to hear from people as putting extra payment on mortgage (Interest rate 3.25%) is better idea or put in taxable

Thanks,
by FB01
Sun Sep 25, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 990

Re: Football on Over the Air Free channels

On my HDTV, a Samsung, there are at least 3 places in the menus where some sort of "Language" setting pops up. There is a language setting for the menus themselves and then there are two distinct setting in the "Audio" sub-menu. There is one setting for "Preferred Language&...
by FB01
Sun Sep 25, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 990

Re: Football on Over the Air Free channels

¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".[/quote I guess you posted on wrong forum. Post on the forum where they can understand the langua...
by FB01
Sun Sep 25, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 990

Re: Football on Over the Air Free channels

[quote="dailybagel"]¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".[/quote I guess you posted on wrong forum. Post on the forum where t...
by FB01
Sun Sep 25, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 990

Re: Football on Over the Air Free channels

Hi, Being frugal, I disconnected my cable and got the over the Air free channel MOHU antenna. I get free HD channels which also show Sunday Football games. However, whenever football comes the commentary switches to Spanish. If ad comes, it is in English and also the Half time report also comes in ...
by FB01
Sun Sep 25, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 990

Football on Over the Air Free channels

Hi, Being frugal, I disconnected my cable and got the over the Air free channel MOHU antenna. I get free HD channels which also show Sunday Football games. However, whenever football comes the commentary switches to Spanish. If ad comes, it is in English and also the Half time report also comes in E...
by FB01
Fri Sep 23, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 24
Views: 2882

Re: HSBC Bank- Easy $350 bonus

Any idea..how much should be the direct deposit...I can do a direct deposit from my other Checking out but not sure what amount they are looking at?
by FB01
Thu Sep 22, 2016 10:51 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 2276

Re: How is your experience about buying home in SF bay area?

Hi,

It all depends. Houses in good school area are for sure not going to come down. We bought house last year and there were 15 offers. Having said that, our place is our place. I rented for 8 years and tired of paying rent which was increasing every year.
by FB01
Tue Sep 20, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Those who are having Ooma
Replies: 13
Views: 1977

Those who are having Ooma

Hi, I got below email from Ooma. I have been having Ooma since 2-3 years. Is it worth spending $79.99 to upgrade as they mentioned have already discontinued technical enhancements and customer support for the first generation Ooma Hub product. Any thoughts? Thanks, JR "As a valued Ooma Hub owne...
by FB01
Sun Sep 18, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1792

Re: Any Car expert out there : Check Engine Light on

Hi all,

Considering the advice given, I went ahead and repaired it. Check engine light is gone now...

Thanks for all the suggestion...

JR
by FB01
Sat Sep 17, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2404

Re: 2016 Honda Odyssey - which model?

As everyone said, it all depends on the choice. For me my wife will be driving the van so I went with EXL with NAV. With 2 small kids, leather seats and NAV were kind of thing we wanted.

NAV is working fine for us.

-JR
by FB01
Wed Sep 14, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1792

Any Car expert out there : Check Engine Light on

Hi, My Camry has Check Engine Light on since couple of day. The mechanic diagnosed and gave the below details Code P0057 : Heated Oxygen Sensor(Bank 2 Sensor) - Heater Circuit Low Input - Automatic Transmission Code P0161 : Heated Oxygen Sensor(Bank 2 Sensor) - Heater Circuit Malfunction - Automatic...
by FB01
Mon Sep 12, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3604

Best Flashlight to keep in home for emergency

Hi,

Which is the best flashlight you guys recommend to keep in home for emergency? I am looking for something which is chargeable easily.

Thanks,
JR
by FB01
Fri Sep 09, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Bought House - Tax question on Itemized deduction
Replies: 9
Views: 652

Bought House - Tax question on Itemized deduction

Hi,

I used to do Standard deduction for my taxes before used Turbo Tax. I bought a house this year so planning to do itemized.

What kind of itemized deduction can I get after buying house? As will be filling for the first time with itemized, not sure if that is advantageous to me.

Thanks,
JR
by FB01
Sun Aug 28, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2463

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by FB01
Sat Aug 27, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2463

Re: Social Security - Spousal Benefits - Basics

......If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach credit) so totally...I will be getting a check of $4500 every month... Is my understanding correct? Can you anyone please confirm. -JR...
by FB01
Sat Aug 27, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2463

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cred...
by FB01
Thu Aug 18, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 13
Views: 1087

Re: Geico Mechanical Breakdown Insurance - Is it worth it

Thank you all for your feedback.

I called Geico and cancelled the MBI. They refunded the pro-rata charge back to my credit card.

-JR
by FB01
Thu Aug 18, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 13
Views: 1087

Geico Mechanical Breakdown Insurance - Is it worth it

Hi, I just bought a new Honda Odyssey van and my insurance is with Geico. I was checking and they have added Mechanical Breakdown Insurance which is $36 for 6 months. The van is my secondary vehicle and will be using in the weekend for pleasure trips so will be using using 4000-5000 miles for 6 mont...
by FB01
Tue Aug 16, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)
Replies: 5
Views: 867

Re: Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)

[quote="grabiner"]See Paying down loans versus investing on the wiki. Hi Grabiner The second question is determined by bond returns. Given your $700K mortgage, I would assume you are in a high tax bracket, and thus you might well earn more on municipal bonds than by paying down the mortgag...
by FB01
Mon Aug 15, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)
Replies: 5
Views: 867

Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)

Hi all, Just want some suggestion from you guys as I am not sure what should I be doing. I have 700,000 mortgage loan @ 3.25%. I have emergency fund of around 100K invested. However, I also have around 30K in VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares). Is it good idea to sell 30K ...
by FB01
Thu Aug 11, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Additional 10k - Roth, 529 or Mortgage
Replies: 9
Views: 700

Re: Additional 10k - Roth, 529 or Mortgage

bnes wrote:Your marginal tax bracket? do you itemize? The mortgage interest tax subsidy shifts these numbers.



Am in 25%.

I bought the house this year so will be itemizing from next year.

Thanks,
JR
by FB01
Thu Aug 11, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Additional 10k - Roth, 529 or Mortgage
Replies: 9
Views: 700

Additional 10k - Roth, 529 or Mortgage

Hi, I have additional 10K and also have my emergency fund. What should be the boglehead approach where to put it Option 1 : Should I put as additional Principal for my Mortgage which is 700K @ 3.25% Option 2 : Put 10K in Roth IRA Option 3 : Put 10K in 529 to fund kids education (Kids are 5 and 2) Th...
by FB01
Sat Aug 06, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Any idea about ProForm® Sport 6.0 Treadmill - Costco
Replies: 4
Views: 670

Re: Any idea about ProForm® Sport 6.0 Treadmill - Costco

I have a higher price-point ProForm, but not this specific model. Treadmill Doctor also does not have a review of this model. From the warranty periods and price point, it looks to be a bit on the low-budget side. Do you plan to just walk on this or will you also be jogging and running? My plan is ...
by FB01
Fri Aug 05, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Any idea about ProForm® Sport 6.0 Treadmill - Costco
Replies: 4
Views: 670

Any idea about ProForm® Sport 6.0 Treadmill - Costco

Hi,

Has anyone used ProForm® Sport 6.0 Treadmill which is available in Costco?

I am planning to buy this one but wanted any suggestion/opinion if someone has used this one before.

Thanks,
JR
by FB01
Thu Aug 04, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a house which is not paid off
Replies: 17
Views: 1733

Selling a house which is not paid off

Hi, Just curious if anyone can explain how the process works in terms of money. E.g Bought a house for 1 million and paid 20% dp. Got loan of 800K. Now after 5 years, if I sell the house for 1.5 million, what happens about the unpaid mortgage as the house is not paid of. How does it affect me? Any i...
by FB01
Sun Jul 24, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans?
Replies: 31
Views: 3343

Re: 529 plans?

I assume you read the wiki article on this? https://www.bogleheads.org/wiki/529_plan There are also lots of great discussions on pros/cons if you search for other threads. Personally I love 529s - since there are so few tax-advantaged saving mechanisms why not take advantage of all those available ...
by FB01
Sat Jul 23, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 3124

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

This is an interesting question. I always try to contribute the full amount as soon as possible. The only reason not to do this is if you think you might exceed the contribution limits. If this is the case - you might think about dollar cost averaging a little every month. As it gets closer to the ...
by FB01
Thu Apr 28, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: To do Fumigation or not?
Replies: 2
Views: 390

To do Fumigation or not?

Hello, I just bought house which is 36 years old. We did Pest inspection and there are couple of spot where dry wood termite were found. I did the inspection with 3 companies and all 3 companies said Fumigation is not required as termites can be locally treated. However am in double mind..do still I...
by FB01
Wed Apr 27, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or pay extra money towards principal - which is better in saving interest
Replies: 8
Views: 952

Re: Refinance or pay extra money towards principal - which is better in saving interest

Option 1 sounds more like a Recast than a Refinance. A Recast will not save you any interest and may very well cost you additional interest instead if you don't continue monthly payments in the amount you were prior to that Recast. Option 2 will save you interest as would applying any amount of add...
by FB01
Wed Apr 27, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance or pay extra money towards principal - which is better in saving interest
Replies: 8
Views: 952

Refinance or pay extra money towards principal - which is better in saving interest

Hi, Suppose I buy 1,000,000 house got 3.50% for 30 years. I paid down payment of 20% so I got loan for 800,000 so my monthly payment comes to approx $3600. Now, I have $50,000 money which I would like pay. Which will help me in saving better in interest Option 1 : Refinance with my mortgage company ...
by FB01
Tue Feb 23, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding form 8606
Replies: 10
Views: 580

Re: Question regarding form 8606

okay... So for this question I answered "Yes" even though I contributed to Roth IRA in 2015 Q- "Did I make Roth IRA contribution in 2015? Answer yes if you haven't contributed to a Roth IRA yet, but plan to by April 18,2016"" Next Question Enter Total Roth IRA Contribution f...
by FB01
Tue Feb 23, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding form 8606
Replies: 10
Views: 580

Re: Question regarding form 8606

Hi, This is the first question i am getting Select the kind of IRA's I will contribute for 2015. If you own or contribute to both traditional IRA and Roth IRA , check both here and we will work on traditional IRA first I am checking Roth IRA then it says " Did I make Roth IRA contribution in 20...
by FB01
Tue Feb 23, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding form 8606
Replies: 10
Views: 580

Re: Question regarding form 8606

-Tell us I made contribution to Tradional IRA for 2015. I answer YES So, answer NO for this question because you didn't make a traditional IRA contribution. What happens? Wow..no complication now.. Initially, it asked me "Select the kind of IRA's I will contribute for 2015. If you own or contr...
by FB01
Tue Feb 23, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding form 8606
Replies: 10
Views: 580

Re: Question regarding form 8606

I don't think you made a contribution to a traditional IRA in 2015. From a quick read of what you wrote in the first post of this thread (meaning I could have this wrong): 1. You made a Roth IRA contribution. 2. You recharacterized the Roth IRA to a traditional IRA. 3. You converted a traditional I...
by FB01
Tue Feb 23, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding form 8606
Replies: 10
Views: 580

Question regarding form 8606

Hi, Have question regarding form 8606 as not sure what to fill where? I contributed 5500 to Roth IRA in 2015 but my income exceed by end of year so I did backdoor Roth IRA My Roth IRA increased to 6000 which I transferred to Traditional IRA and then when I moved from traditional IRA to Roth IRA, the...
by FB01
Mon Feb 22, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax form to be filled for Back Door Roth IRA
Replies: 8
Views: 626

Re: Tax form to be filled for Back Door Roth IRA

DSInvestor wrote:The 1099-R covers the Roth conversion and not the TIRA contribution. Make sure to enter your Traditional IRA contributions as well into your tax software.


So 8606 is the only form I need to fill or is there any other form?

JR
by FB01
Mon Feb 22, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax form to be filled for Back Door Roth IRA
Replies: 8
Views: 626

Tax form to be filled for Back Door Roth IRA

Hi, I had put money in Roth IRA but my income exceeded the limit so end of the FY 2015, I did the Back door Roth IRA for me and my wife's account. Because of this I had some gain/loss. I read that I had to fill form 8606. Vanguard has send me form 1099-R. Is that the one I need to update in form 860...
by FB01
Sat Feb 20, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 2302

Re: Trip to LA for 5 days

Hello all,

Thank your for all the inputs.

Quick question: Are the LA beaches cold June? In Bay Area, any point of time the water in the sea is cold...is it the same in LA also..like Newport, Venice, Laguna etc..

-JR
by FB01
Wed Feb 17, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 2302

Trip to LA for 5 days

Hi, I will be driving to LA from Bay Area for 5 days. I am with 2 young kids (6 and 3). My main purpose is to go for Disneyland so I will be staying near Anaheim. So far I am planing below. Any other ideas are welcome 1 day - Disneyland 2nd day - Universal Studio 3rd day - Laguna beach and Venice Be...
by FB01
Fri Nov 20, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA for 2016
Replies: 1
Views: 340

Back door Roth IRA for 2016

Hi, For 2015, I contributed to Roth IRA and then my income increased more that 183K so I will be calling Vanguard to recharacterize Roth to Traditional IRA. Question for 2016: Now, I am not sure if my income will be more that 183K next year. So should I contribute to Roth IRA on first day of 2016 an...
by FB01
Tue Nov 17, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Roth contributed - Income exceeded - one last check
Replies: 6
Views: 530

Re: Roth contributed - Income exceeded - one last check

Is there anything you can do to reduce your AGI before year end? If spouse has 401k that is not maxed out, max that out before Dec 31. HSA contributions. Tax loss harvest in the taxable account to offset capital gains. Net capital loss can reduce AGI by up to 3K. Hi DSInvestor, My wife does not wor...
by FB01
Tue Nov 17, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth contributed - Income exceeded - one last check
Replies: 6
Views: 530

Re: Roth contributed - Income exceeded - one last check

Note that the MAGI phaseout is 183-193k, so if MAGI is within the range, you only need to do a partial recharacterization, keeping the amount you are eligible to contribute in the Roth. That will avoid taxes on the share of the earnings attributed to the amount of the partial Roth contribution you e...
by FB01
Tue Nov 17, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roth contributed - Income exceeded - one last check
Replies: 6
Views: 530

Re: Roth contributed - Income exceeded - one last check

For example a married couple who have 210K of gross salary who maxes out Traditional 401k for 18K would have AGI of 174K and be eligible for direct Roth IRA contributions.[/quote] Hi DSInvestor, I forgot to mention. After deducting my 18K for 401k, my income exceeds 183K. Would appreciate if the pro...
by FB01
Tue Nov 17, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth contributed - Income exceeded - one last check
Replies: 6
Views: 530

Roth contributed - Income exceeded - one last check

Hi, I am going to call Vanguard today but want to just confirm again the process as this is my first time Summary : I contributed 11000 for me any wife in Roth for 2015 and now my income is going to exceed 183K. Need to do : I will call Vanguard and ask them to recharacterize the Roth to Traditional...
by FB01
Tue Aug 04, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Cancelling credit after first year?
Replies: 6
Views: 692

Cancelling credit after first year?

Hi, I had got Southwest Chase credit card and United Explorer Mileage credit card just for the miles. Now a year is up and I will be charged the annual fee. Is it good idea to cancel the cards? I won't be using those cards. Also,I am planning to buy a house pretty soon so will canceling the card be ...
by FB01
Mon Aug 03, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 284
Views: 41941

Re: Credit Card Rewards (Travel)

Since June 2014, between two people, all are the sign-up portions: 1. 70K Chase UR (via Chase Ink Plus, $0 fee first year), 2. 55K United (via Chase United MP, $0 fee first year), 3. 40K US Airways (via Barclays, $89 fee), 4. 100K American (via Citibank Executive AA Card, $450 fee, $200 rebated; al...
by FB01
Sun Aug 02, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Aloha Mind math for 5 year old
Replies: 8
Views: 2426

Aloha Mind math for 5 year old

Hello,

My kid will be turning 5 next month and planning to put her in Aloha Math mind. Do any of you guys recommend to keep her in that early age or should I enroll her later when she is in 2nd/3rd grade.

Does it really helps? If anybody who has the experience, would appreciate.

Thanks,
FB
by FB01
Fri Jul 24, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 9609

Re: Wedding Receiption

We had an open bar at our wedding. No cash bar and no tipping. Wine, beer, liquor, and specialty cocktails. Never heard one complaint and got a lot of thank yous and compliments. It may sound tacky, but the booze is what makes a wedding fun :) To answer your question, it isn't needed but if you do ...

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