Search found 34 matches

by MrJones
Sun Jul 16, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3629

Re: what's your secret to cleaning inside car windows?

MarkBarb wrote:What is "newspaper"?


Once upon a time, they used to print out the internet every morning.
by MrJones
Sat Jul 08, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: plus and minus signs on sweep transactions VG Brokerage account
Replies: 7
Views: 711

Re: plus and minus signs on sweep transactions VG Brokerage account

Thanks OP for posting the question and summarizing your findings. At some point I had this question too and I never got around to answering it until now.
by MrJones
Thu Jul 06, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11509

Re: Seeking advice on 1.2m house purchase

Rent with a shorter commute. Life is too short. I wonder if the HGTVification is to blame. House Hunters and the like show people "fulfilling" their dreams buying their "dream house". To go backwards and jeopardize financial security for a house with a long commute. I just don't...
by MrJones
Sat May 20, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3782

Re: Bad experience with 'rescuing' a lost dog

jnet2000 wrote:From one dog lover, thank you.


+1
by MrJones
Fri May 19, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 9256

Re: Resigning from a job: best practices and advice?

You're feeling guilty, and you've conjured up a situation that likely will not play out. When you give notice, the conversation will likely not go "how long have you known? Did you take vacation knowing you were just coming back to quit? How could you do that to us?!?!?" I've never once h...
by MrJones
Wed May 10, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Why rollover to active 403b?
Replies: 7
Views: 574

Re: Why rollover to active 403b?

If you currently or in the future plan to the backdoor roth, then rolling over into a rollover Ira will conflict with that. In this case, your current employer's 403b is the only viable target.
by MrJones
Thu May 04, 2017 12:31 am
Forum: Forum Issues and Administration
Topic: My notifications are -1
Replies: 11
Views: 1815

Re: My notifications are -1

If you had your notification overdraw feature turned off, this would not have happened.

I always try hard to never read more notifications than I have.
by MrJones
Wed May 03, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 3801

Re: GEICO discount for Berkshire Hathaway shareholders

Premium did not change after adding the shareholder affiliation and Freelancers affiliation. Oh well, was worth a try.
by MrJones
Tue May 02, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 505

Re: How to efficiently move HSA funds from one custodian to another

Whether there is a check or not does not determine whether it is a trustee-trustee transfer or a rollover. What determines that is whether the funds are in your possession or not. In fact, many trustee-trustee HSA transfers are just like 401k transfers. The previous HSA administrator will mail a ch...
by MrJones
Sat Apr 29, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 505

How to efficiently move HSA funds from one custodian to another

I'm wanting to move HSA funds from Optum Bank to a new custodian. The process is a lot more complex and murkier than I'd imagined. Apparently, "transfer" and "rollver" are two ways to do it. The former directly moves the funds from custodian to custodian, while a rollover means a...
by MrJones
Tue Apr 18, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3038

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

OP here. Update: I wrote a detailed letter. On (1), I carefully documented the painting issues, which show that they were all wear and tear, and cited the law on this. On (2), I sent a reasonable estimated backed up by photos. I didn't push on (3). I promptly got back a 100% refund for (1) (which ha...
by MrJones
Tue Apr 18, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

OP here. An update: I obtained an "MrJones' income is greater than XX" letter from my employer which satisfied the rental. XX was some 15% greater than their requirement threshold.

IMHO, this should be the standard procedure. Anyway, thanks everyone!
by MrJones
Tue Apr 18, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

They just want to verify that all adults have sufficient income should something happen to the other . I absolutely won't rent with out income verification and all adults to sign thr lease. I don't understand your objection at all. Neither do I! OP here. I agree with both of you! Where we perhaps d...
by MrJones
Thu Apr 06, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3038

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

denovo wrote:
denovo wrote:How many years did you occupy the unit and yes it matters.


A year and two months.
by MrJones
Wed Apr 05, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3036

Re: Buying House with Odor (not cigarette)

Wow, this thread. The agreement is strong on this one!
by MrJones
Tue Apr 04, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3038

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Thank you all. I'm definitely going to send a letter citing the appropriate laws as clutchied said. One important thing I didn't mention is, I moved to a larger apartment within the same set of apartments. Ironic because one would think this would be an advantage, but it isn't. I'm wondering if the ...
by MrJones
Tue Apr 04, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3038

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Thanks everyone for the responses so far. They are responsible for normal wear and tear. They are responsible for cleaning carpets unless you stained them. You are responsible for cleaning but it sounds like this is a standard tactic they are using. Most people just go with it. These charges are com...
by MrJones
Tue Apr 04, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3038

Security deposit issues upon rental move-out. Or, how do I not get ripped off?

So upon moving out, I got charged a hefty sum from my rental deposit. There are at least three parts that I find very unreasonable. 1) Painting: I can see no difference in paint, but the apartment management claims they need to paint several walls of the apartment, and will thus charge me for it. Wh...
by MrJones
Tue Apr 04, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1404

Re: Where to borrow a moving cart from

Thanks so much everyone. Lots of good ideas here! I ended up renting from homedepot as dsinvestor and adamsmythe recommended. As both of you and others said, the cart was comfortable to use. For others' reference, the other options as people mentioned above include buying a cart from home depot, and...
by MrJones
Tue Apr 04, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3914

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

California law requires a payout upon leaving. In many other states, this is not a requirement, unfortunately.
by MrJones
Mon Mar 27, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1404

Where to borrow a moving cart from

I'm helping a friend move some two doors down. A cart like this, perhaps larger and sturdier might simplify the process. Not wanting to purchase one for a single time use, any ideas on where I can borrow one from? I'm sure most office buildings and such have one, but is there a person to ask and way...
by MrJones
Tue Mar 21, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

I guess I don't get why it is okay to give your wife's salary but you are so against giving yours. If it is a joint application, of course they want both. In this particular case, wife worked a partial year, and so based on that, they have no idea what her actual salary is (gave them a W2). But mor...
by MrJones
Tue Mar 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

I guess I don't get why it is okay to give your wife's salary but you are so against giving yours. If it is a joint application, of course they want both. In this particular case, wife worked a partial year, and so based on that, they have no idea what her actual salary is (gave them a W2). But mor...
by MrJones
Tue Mar 21, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

As we discuss often here, income means very little without knowing expenses. You could have a 6 figure income and live paycheck to paycheck. They shouldn't be allowed to ask open-ended questions on personal information. If they have some silly qualification threshold in mind, they should just ask, ...
by MrJones
Tue Mar 21, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

rob wrote:If you want to take the risk... go with I'm contractually prohibited from disclosing this information to non-HR parties.


I like this the best. I'll try it, thanks.
by MrJones
Tue Mar 21, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

Depends on the rental laws in your area. If you live in an area with rent and eviction controls they may want verification of your income in order to determine if you can cover the cost of the rental in the event your partner loses her job. Similarly they what if you divorce your partner and choose...
by MrJones
Tue Mar 21, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Re: Salary / employment verification

Thanks so much everyone for all the views and suggestions.

Update: so I found out they've already qualified us for the rental, and we've completed signing the leases. They still need proof (of employment and/or salary, it's not clear) before we move in.
by MrJones
Mon Mar 20, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2565

Salary / employment verification

So a rental place wants to know my salary. This is unnecessary because my spouse's salary, which they already have proof for, more than covers their threshold for the rental. I'd rather not have my salary filed with every place I rent from. I tried politely asking why they really needed it, and they...
by MrJones
Sun Mar 19, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 442

Re: CA HSA dividends tax reporting

Thanks for the confirmation Artsdoctor.
by MrJones
Sat Mar 18, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 442

Re: CA HSA dividends tax reporting

Thanks Kaneohe, that helps. I was mainly wondering what others do because filing out any forms just seemed wrong. But it sounds like that's what happens in practice.
by MrJones
Sat Mar 18, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: IRS moving expense deduction and home offices
Replies: 3
Views: 471

Re: IRS moving expense deduction and home offices

Did you claim office-in-home expenses? Did you receive travel expenses when you went to the main office once a quarter? Either of those might help establish where your old job was. Thanks, that's helpful. I never claimed home office expenses because it seemed like too much trouble for too little. I...
by MrJones
Sat Mar 18, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 442

CA HSA dividends tax reporting

I have an employer sponsored HSA account with Optum. The money there is invested in a Vanguard S&P 500 mutual fund, and I earned dividends on it last year. I understand I have to pay taxes on this income in California. However, Optum sent me no tax forms pertaining to the dividends. Is this norm...
by MrJones
Sat Mar 18, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS moving expense deduction and home offices
Replies: 3
Views: 471

IRS moving expense deduction and home offices

Hi Bogleheads, Long time lurker here. I'm trying to figure out how the IRS moving expense deduction works in the context of home-office employees. I was a home office employee with company A, which had its branch office about 200 miles from where my old residence. I used to go to the branch office s...