Search found 1170 matches

by Saving$
Fri May 20, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Is $2000 reasonable for bathroom permits?
Replies: 22
Views: 2426

Re: Is $2000 reasonable for bathroom permits?

Be careful taking action based on the posts here. Go online and find out what the fees are in your area. In some municipalities, permits are very inexpensive. In others, they cost quite a bit more. In my town, there is a building permit fee that starts at $500 for any work (rehab, upgrade or new) va...
by Saving$
Tue May 17, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to decipher Raymond James statement
Replies: 6
Views: 565

Re: Trying to decipher Raymond James statement

You can start with an amount invested and then as you re-invest dividends and CGs, that gets added to the basis so the total should give you the total cost basis and what you would use if you sold everything. (I haven't seen a RJ statement.) If you have lots of gains, perhaps you would want to chan...
by Saving$
Tue May 10, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4160

Re: Keep Twins in Same Class for Kindergarten?

A family I know in a similar situation separated them, so they would each have an opportunity to grow without relying on or being constrained by the other. It worked out well, but the boy was always concerned about the well being of his sister. The teacher figured it out, and they gave him permissio...
by Saving$
Tue May 10, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8135

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

Quite a few things wrong here, but you need to start doing them correct. You need a Landlord attorney and quick. Send notice to the tenant with whom you have the signed agreement at the last known address, which might be the house you are leasing, stating you are proceeding with eviction for non- pa...
by Saving$
Fri May 06, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Computer malware & online help
Replies: 6
Views: 655

Computer malware & online help

What is the Boglehead community opinion of the safety of getting advice from forums on computer help sites such as BleepingComputer.com and techsupportforum.com? They seem legit, and seem to have a contingent of volunteers, much like Bogleheads.org, who give freely of their time to give advice. But ...
by Saving$
Fri May 06, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15746

Re: Where is Rick Ferri?

Well, I'm not a client, but my written direction to be followed in the event of my untimely demise was to park the investments with Rick Ferri at PS, due to both their Boglehead philosophy and the low ER's. PS now lists an aum fee range of 0.37% to 1.5%, so I need to change my written direction. Is ...
by Saving$
Wed Apr 27, 2016 12:41 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4417

Re: Best drill/driver for home use

Perhaps I'm the odd one out - I really like the Hitachi line of tools. I started with a Dewalt 12v that lasted about 10 years. Worked fine but was heavy. Found the Hitachi 18v Nicad because it was the lightest thing available at the time. It lasted 10 years. Just recently replaced that with a new Hi...
by Saving$
Sun Apr 17, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 4835

Re: Buying the most expensive house on the street?

In the situation you describe, the larger house in the more modest neighborhood is probably a great investment, as well as a great place for your family. Many of those families buying the modest houses will experience income increases in coming years, and want to move to a larger house. Yet many of ...
by Saving$
Mon Apr 04, 2016 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate and Tax Deductions
Replies: 7
Views: 978

Re: Real Estate and Tax Deductions

Is there somewhere you report the purchase cost to establish the basis, or is that just part considered part of the public record? If you don't report the purchase cost, what about the other closing fees, such as legal fees, title insurance, etc. that appear on the closing statement? Do you have to ...
by Saving$
Sat Apr 02, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Custom House Cost
Replies: 22
Views: 2683

Re: Custom House Cost

Costs vary widely. It depends upon how much sitework you have (remove existing structures, cut trees, grade site, temp road, etc.) It also depends upon your jurisdiction requirements. Then I depends upon your requirements for the shell and your taste for finishes. Most builders here start out talkin...
by Saving$
Sat Apr 02, 2016 7:32 pm
Forum: Investing - Theory, News & General
Topic: Solo 401k Successor Plan Administrator
Replies: 7
Views: 709

Re: Solo 401k Successor Plan Administrator

Can you link one of those threads for clarity? https://www.bogleheads.org/forum/viewtopic.php?t=127100 - comment by fire5soon https://www.bogleheads.org/forum/viewtopic.php?t=184069 - also a comment by fire5soon, I now see Now that I reread this post, fire5soon says the successor administrator is r...
by Saving$
Sat Apr 02, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord requiring copies of SSN
Replies: 73
Views: 4737

Re: Landlord requiring copies of SSN

LL is entrusting to tenant an asset probably worth over $100k, and in some cases several $100k. LL, unlike movie theatre, cannot call police to have you arrested if you start damaging the premises. LL must wait up to 90 days to get you out in some jurisdictions, if you don't pay rent. Any LL must ge...
by Saving$
Tue Mar 29, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2443

Re: Installing AC: Rheem vs. Trane (or other) system

American Standard and Trane at least used to be exactly the same thing. 20+ years ago I bought an American Standard system. Had American Standard on the box, but the equipment inside the box was totally branded Trane. Not sure if they still do that...
by Saving$
Mon Mar 28, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2443

Re: Installing AC: Rheem vs. Trane (or other) system

5 tons is to big for 2400 sf. The problem with having a unit that is too large is that it will make your house very cold very fast, which is a problem because that does not give the unit enough time to take the moisture out of the air to make the house comfortable. You want a smaller unit to run lon...
by Saving$
Sat Mar 26, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Under kitchen cabinet LED lighting
Replies: 29
Views: 3344

Re: Under kitchen counter LED lighting

Under cabinet (rather than under counter?) lighting is great - provides task lighting as well as ambiance. I like having a light on in the kitchen, but it does not need to be the full overhead light scheme... There are multiple types of systems. For retrofit, I installed one about 10 years ago - bou...
by Saving$
Sat Mar 26, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: What does Part A only cover
Replies: 6
Views: 677

What does Part A only cover

A friend asked me this, and after 30 minutes of googling, I still have no idea, so hoping the BH's can help. Friend is over 65, is still working, and has excellent employer provided medical insurance at under $10/month. Friend signed up for Part A at 65, as the impression was this was required to st...
by Saving$
Sat Mar 26, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate and Tax Deductions
Replies: 7
Views: 978

Re: Real Estate and Tax Deductions

....If held for investment, I think: - the property taxes are deductible on Schedule A line 6 (property tax) - the other carrying costs are deductible on Schedule A line 23 (investment expense). This is where it gets confusing. Line 23 limits "passive activity" losses to offset income, or...
by Saving$
Sat Mar 26, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate and Tax Deductions
Replies: 7
Views: 978

Re: Real Estate and Tax Deductions

Thanks. I had found the same article, but was/am having trouble determining exactly which IRS publication applies. Can someone confirm or correct the following: -Property held for rental = Schedule E -Property held for business = Schedule C -Property held for investment only = Schedule A If held for...
by Saving$
Tue Mar 22, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate and Tax Deductions
Replies: 7
Views: 978

Real Estate and Tax Deductions

What types of costs associated with owning real estate are tax deductible if the real estate is not your primary residence and not held for rental? For example, a lot you buy with the intent to build a house, or buy with the intent to hold it for appreciation, or just buy to get a buffer from your n...
by Saving$
Tue Mar 22, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: I Really want to start my own RE Development business, but scared and busy
Replies: 5
Views: 619

Re: I Really want to start my own RE Development business, but scared and busy

Have you saved like crazy and can work for at least a year without compensation? What part of the business are you in? If you are in the project management side, how much do you know about the finance side, and more importantly, do you have enough relationships so that you could secure equity and de...
by Saving$
Sat Mar 19, 2016 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5565

Re: Spousal income inequality, pay off mortgage or invest?

Once you allow tax advantaged space to go, you lose it forever. You only get a certain amount every year. The surplus you have now will probably be more than that in 10 years, and you will wish you had not let any tax advantaged space go, ever. There is power in tax free compounding in tax advantage...
by Saving$
Sat Mar 19, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: Solo 401k Successor Plan Administrator
Replies: 7
Views: 709

Re: Solo 401k Successor Plan Administrator

I am the only one in my Solo 401k.

So if I have it all taken care of via beneficiaries, then I don't need to worry about naming any successor administrators?
by Saving$
Sat Mar 19, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5565

Re: Spousal income inequality, pay off mortgage or invest?

1. 401k/403b/other employer sponsored plan to the match.
2. Pay off consumer debt (credit cards, etc.)
3. HSA (if available)to the max
4. Roth IRA's for each of you to the max
5. Balance of 401k/403b/other employer sponsored plan to the max
6. Mortgage
by Saving$
Sat Mar 19, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Another medical billing surprise-Colonosocopy
Replies: 61
Views: 8283

Re: Another medical billing surprise-Colonosocopy

If there's a business case for $8000, then $166 should be impossible to accept, and if $166 is anywhere close to acceptable, then $8000 is simple exploitation. This. Absolutely. I would really appreciate it if someone could explain this discrepancy, because right now every time I get a medical bill...
by Saving$
Sat Mar 19, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Removing mildew from vinyl siding
Replies: 25
Views: 2060

Re: Removing mildew from vinyl siding

Bleach will get it off, but you need the bleach to stick to the siding long enough to kill the mildew. So some type of detergent mixed with the bleach will make it "stick." I usually use powdered Tide or powdered Spic&Span. Powdered detergents are getting increasingly difficult to find.
by Saving$
Fri Mar 18, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3160

Re: Dishwasher recommendation.

I replaced a 20 year old GE with a run of the mill Whirlpool/Maytag. The new DW is SIGNIFICANTLY quieter than the old one; I really can't hear the new one, it cleans better and it has better features. Not sure what more I could want from a DW for more money. I really like the delay feature that allo...
by Saving$
Wed Mar 16, 2016 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Depressed, do I dip into retirement funds in order to make essentially an investment?
Replies: 21
Views: 4003

Re: Depressed, do I dip into retirement funds in order to make essentially an investment?

Some questions: 1. If you dip into retirement just this one time, what is the specific actionable plan to make sure there is not a second time, and not the beginning of a habit? 2. What is the specific actionable plan to replenish the retirement accounts? 3. What is the alternative to dipping into r...
by Saving$
Mon Mar 07, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: Solo 401k Successor Plan Administrator
Replies: 7
Views: 709

Re: Solo 401k Successor Plan Administrator

Anyone have any advice on this?
by Saving$
Sun Mar 06, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2526

Re: The Coming Costco AMEX Rebate Problem

Consultants who travel weekly and are given the option of getting reimbursed for travel costs (instead of a company issued credit card) can easily put $50k annually on their personal card. OTH, those consultants probably got the 2% cash back for travel version of the Amex /Costco card...(which was 3...
by Saving$
Sun Mar 06, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnancy as an exclusion with insurance.... doh!
Replies: 11
Views: 1368

Re: Pregnancy as an exclusion with insurance.... doh!

I would bite the bullet and get compliant health insurance any way I could. Since you apparently don't want to lose your pre-ACA policy, I would encourage the wife to get any job she can with a large employer that has insurance. Make sure it is ACA compliant and covers pregnancy. Even if it is only ...
by Saving$
Sun Mar 06, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard won't complete a transfer What do i do?
Replies: 27
Views: 4312

Re: Vanguard won't complete a transfer What do i do?

Not that it is any consolation, but 5+ years ago when I was the executor of an estate with funds at Fidelity, I had the same problem. I blew up after about 6 months, and finally got handed to some guy in a "special services" group, who looked through the file, apologized, and then personal...
by Saving$
Sun Mar 06, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: Solo 401k Successor Plan Administrator
Replies: 7
Views: 709

Solo 401k Successor Plan Administrator

On several threads regarding Solo 401k's there has been advice to be sure to name a successor plan administrator. Let's say the Solo 401k is for John Doe, and the "employer" is JD Enterprises. Can the successor plan administrator be "Estate of John Doe", or "Executor of the ...
by Saving$
Fri Mar 04, 2016 2:33 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 25880

Re: Don't understand nutrition and exercise

Sincere thanks to the mods for unlocking this discussion. It is very helpful. I have no problem being a Boglehead when it comes to finances. I am far more comfortable saving money than spending it and accounts show the evidence. Might make you conclude I have self discipline. It is not the same with...
by Saving$
Sun Feb 28, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2235

Re: Dusty House

You need to figure out the source. Often your HVAC system is running negative. This means there is some problem (design, obstruction, other) and the return air system tries to pull more air than is available, so your house pulls in air from every conceivable crack and crevice. This is particularly e...
by Saving$
Sun Feb 28, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Quit my job, help me verify this plan of action
Replies: 11
Views: 1712

Re: Quit my job, help me verify this plan of action

How much in the old 401k? If more than $5k, just leave it at the old employer. You get the protection of the 401k & you don't create a backdoor Roth problem. As for the contributions going forward, max out the 401k to the employer match, max out either the deductible IRA or Roth IRA to $5500 (or...
by Saving$
Sun Feb 14, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: IRA timing
Replies: 4
Views: 430

IRA timing

I know you must have (W2) income at least equal to an IRA contribution, and that any amount deferred to a 401k does not count taxable income. However, is there a timing element to this? Let's say you contribute the max to your 401k, and have other deductions for Medical, etc. that reduce your taxabl...
by Saving$
Sun Feb 14, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect credit card categories
Replies: 7
Views: 1087

Re: Incorrect credit card categories

Has anyone been successful in either getting a merchant to fix an incorrect code, or getting the credit card company to apply the correct cash back to incorrectly coded purchases? It is not that big of a deal, but some quick calculations indicate that at one place I go to weekly, this is costing me ...
by Saving$
Sat Feb 13, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect credit card categories
Replies: 7
Views: 1087

Incorrect credit card categories

I try to maximize credit card cash back by using the credit card with the best rebate for each situation. Lately, I've noticed that a surprisingly high number of merchants are incorrectly coded. In the last two weeks: 1. To go only fresh organic prepared food restaurant coded as entertainment rather...
by Saving$
Sun Jan 31, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dental and vision insurance payments withheld from paycheck, taxed?
Replies: 17
Views: 1616

Re: Dental and vision insurance payments withheld from paycheck, taxed?

Isn't the employer who does not do this also paying the employers share of social security on those premiums?
Seems like it would be in the employers interest to make these benefits part of a 125 plan.
by Saving$
Sun Jan 31, 2016 7:51 pm
Forum: Investing - Theory, News & General
Topic: Donating appreciated securities - before or after dividend?
Replies: 1
Views: 335

Donating appreciated securities - before or after dividend?

Own a few stocks that have appreciated considerably since I acquired them (before I was a Boglehead). So I try to give appreciated securities instead of cash when making donations (if they are large enough). One of the stocks will pay a healthy dividend in February. The amount of the dividend was an...
by Saving$
Sun Jan 31, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 830

Re: Saturday VG phone support no more?

No Saturday phone support is a serious disadvantage. It would definitely be enough to make me go to Fidelity if I was trying to select between the two. Disappointing.

Does anyone know if they will at least have temporary Saturday phone support during income tax season?
by Saving$
Sun Jan 31, 2016 1:45 am
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 17439

Re: Unwinding day old terrible car deal for mother-in-law

I spoke to the salesperson who did the paperwork and coerced her to change her income amount today too.. honestly a nice kid who really only wanted to make the sale.. and he was scared when I mentioned what I knew. I told him we both know what was done here (he acknowledged) and I'm only interested...
by Saving$
Wed Jan 27, 2016 12:47 am
Forum: Personal Finance (Not Investing)
Topic: HELP!!! Employer not contributing to 401k!!!
Replies: 16
Views: 1668

Re: HELP!!! Employer not contributing to 401k!!!

First, this could be nothing more than a paperwork error. However since it has gone on so long, the issue could be loaded. Usually corrections can only be made if you contact the administrator within 90 days of receiving the quarterly statement. Depending upon your relationship with the owner and/or...
by Saving$
Wed Jan 27, 2016 12:36 am
Forum: Investing - Theory, News & General
Topic: What are the best retirement accounts for a small business owner?
Replies: 14
Views: 1388

Re: What are the best retirement accounts for a small business owner?

Most retirement plans enable you to sock away money for retirement with two advantages: 1. Defer paying current taxes (get a current tax break) 2. Defer paying taxes on the earnings Since you get a $100k tax break anyway, and earn less than that, you have no use for 1. The only advantage of which yo...
by Saving$
Tue Jan 26, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: any retirees in the Seattle area open to a couple hours of driving?
Replies: 23
Views: 2270

Re: any retirees in the Seattle area open to a couple hours of driving?

2 hours from Seattle which direction? If east, over the pass, you may be getting a vehicle similar to a rust belt vehicle. It snows quite a bit in eastern Washington.
by Saving$
Mon Jan 25, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 5373

Re: What online Email do you use

I currently use 6 email addresses through my ISP and one gmail address. I suppose I also have an iCloud address, but I don't really use it. (Apple sometimes sends messages to that account.) I use different email addresses for different "audiences." One is given only to close friends and f...
by Saving$
Mon Jan 25, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 14950

Re: Do you pay for exercise?

WOW! I cannot believe how inexpensive these are. TOTALLY different story where I am. I have spent considerable time recently looking for gym or boot camp type memberships. The ones nearby with classes range from $135 - $225 month. I could drive a bit further and join the Y for $72/month for one pers...
by Saving$
Sat Jan 23, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Donating a retired computer with financial info on it
Replies: 27
Views: 2192

Donating a retired computer with financial info on it

Just got a new computer and will sell the old one. Since I kept all my financial data, including tax returns, on the hard drive, obviously I want all traces of that completely gone before the machine leaves my house. Hoping someone with more computer skills than me can confirm what I've done is suff...
by Saving$
Sun Jan 17, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3981

Re: Taxact breached as well - just saw an article in wsj

I can't read the WSJ article either, but I am wondering if it makes a difference whether you use the online version of Tax Act or the download version? In the download version you put the software on your computer, and create your own return. However, if you efile, I think that still goes through Ta...

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