Search found 1210 matches

by Saving$
Fri Aug 19, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3483

Re: How to Prepare for Old Age When You Don’t Have Kids

Although linked in the LifeHacker article, this article probably deserves a direct link on this thread, as it offers additional details and strategies, which I don't think have been covered in discussions on this forum regarding this matter: http://www.kiplinger.com/article/retirement/T023-C000-S004...
by Saving$
Mon Aug 15, 2016 11:46 pm
Forum: Personal Consumer Issues
Topic: Cordless battery powered yard tools?
Replies: 21
Views: 1549

Cordless battery powered yard tools?

Have any other Bogleheads moved from gas or corded tools to cordless battery powered yard tools? I've done this to some extent and was generally happy with the result. I'm now looking at making a larger investment and going all in with string trimmer, hedge trimmer, blower, etc. Have Bogleheads foun...
by Saving$
Mon Aug 15, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 10
Views: 827

Re: Barrier to credit card warranty protection claim

Barclay's Mastercard.
I've also filed with Amex 2 or 3 times over the years and not had a problem.
by Saving$
Mon Aug 15, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 10
Views: 827

Re: Barrier to credit card warranty protection claim

Have you tried to provide the current (changed) number? In many cases, the will be a sort of invisible transfer from number to number, with the same card. And sometimes, ONLY the last 4 digits are changed. Is that possible? Also, have you confirmed with card company that this "investigation co...
by Saving$
Mon Aug 15, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 143
Views: 7669

Re: Are you on Facebook?

I have a fictional account that I use to screen applicants for my business. More than one application has hit the trash due to FB craziness. I have also moved forward and interviewed / hired a few applicants due to a positive "wholesome" FB presence. How do you do this if they require ver...
by Saving$
Mon Aug 15, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 10
Views: 827

Barrier to credit card warranty protection claim

I'm posting this mostly to give other Bogleheads a "heads up" to avoid aggravation and possible loss of coverage and just in case anyone has any suggestions for resolution (short of writing to the CEO, etc.). Like many, I have a credit card that offers additional warranty protection - it d...
by Saving$
Tue Aug 02, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Are these home [insulation] items worth it?
Replies: 18
Views: 1768

Re: Are these home [insulation] items worth it?

in order of importance 1. What about insulation attic stairwell? - http://www.lowes.com/pd/Owens-Corning-R10-9-sq-ft-Faced-Fiberglass-Batt-Insulation-60-in-W-x-69-in-L/50322773 and this Insulating doors with foam board that lead to attic space? Usually done together. Large returns as mentioned above...
by Saving$
Tue Aug 02, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Significant Salary Discrepancy
Replies: 26
Views: 3459

Re: Significant Salary Discrepancy

So you have 6 months until your review to be promoted to Level II? If it were less time I might just be inclined to wait it out. However, since you have a good relationship with your manager I would request and appointment. Is your manager also the hiring manager? Go in there with an open mind. Do n...
by Saving$
Tue Aug 02, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Changing mesh screen of patio sliding door
Replies: 8
Views: 782

Re: Changing mesh screen of patio sliding door

If you are physically able to insert and remove a nut/bolt from an assembly, you can do this yourself, and it will be much less headache and time than trying to get someone else to do it. That is unless you have a vehicle large enough for the screen door - in that case you could take it to your loca...
by Saving$
Sun Jul 31, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife form an S-corp?
Replies: 25
Views: 1575

Re: Should my wife form an S-corp?

I see two separate questions: 1. Accounting and tax perspective: -is it worth it to set up an S Corp for the additional tax savings as compared to other structures? At $25k/year in income, I would say definitely NOT. 2. Liability perspective: - is it worth is to set up some sort of separate entity u...
by Saving$
Sun Jul 31, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Health Insurance & facilities in the plan
Replies: 10
Views: 755

Re: Health Insurance & facilities in the plan

Is there a particular department at the insurance company that is able to give a definitive answer before you buy the policy? If so, what department or title should I ask for? The sales people will only repeat over and over that their information is on healthcare.gov and no other information exists....
by Saving$
Sat Jul 30, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance (not via employer) - how do waiting periods work?
Replies: 2
Views: 204

Dental Insurance (not via employer) - how do waiting periods work?

Looking through the Dental Insurance options available on the Exchange, they all seem to have waiting periods of 6-12 months for both minor & major procedures. Some of them have no waiting periods for preventative care. Does anyone know how these waiting periods work? 1. If someone had previous ...
by Saving$
Sat Jul 30, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Health Insurance & facilities in the plan
Replies: 10
Views: 755

Re: Health Insurance & facilities in the plan

HueyLD - Thanks - agree with you. But it is confounding to me that the Major University Hospital redirects to a websites that lists all the plans that are supposedly accepted by "Major University Health Systems" (and lists the plans that are not accepted), but healthcare.gov does not even ...
by Saving$
Sat Jul 30, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Health Insurance & facilities in the plan
Replies: 10
Views: 755

Health Insurance & facilities in the plan

In trying to help someone with a qualifying event buy health insurance off the federal exchange, I've run into quite some confusion. First thing we agreed to do is put that persons doctor into the system and limit choices to plans that accept that doctor. Doctor was in most plans. Then put the clini...
by Saving$
Sat Jul 30, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4902

Re: Retaining wall on neighbor's property

Can you please explain: The original wall was entirely on our property before it starting to lean. The new blocks are much larger, and the new wall has a slightly different curve, so although it was installed in practically the same place it now noticeably crosses the property line. If the original ...
by Saving$
Sat Jul 30, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: What tax app can i use to prepare my scorp/personal taxes?
Replies: 18
Views: 740

Re: What tax app can i use to prepare my scorp/personal taxes?

You might have a difficult time finding a program that will do both together with the same edition. If you had a sole proprietership pass through, you could file both on one return. It is my understanding that is not the case with an S corp - the S corp needs to file it's own separate tax return on ...
by Saving$
Sat Jul 30, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4902

Re: Retaining wall on neighbor's property

1. Was the original wall or any part of it on your neighbors property, or was it all on your property? 2. How high is this wall? 3. I know you wrote that you discussed with the landscapers keeping the wall on your side of the property line, but please re-read the contract - is there anything in ther...
by Saving$
Sat Jul 30, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2760

Re: Which financial program to get? Quickbooks vs YNAB vs others

Another very strong vote for Quicken Home & Business. It does EXACTLY what you describe you want to do. I have no complaints other than a small issue in taxable securities that convert from C to A shares....but as a Boglehead I'm trying to get rid of those anyway.
by Saving$
Mon Jul 25, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: HVAC replacement,is that too risky to wait until this fall
Replies: 43
Views: 2784

Re: HVAC replacement,is that too risky to wait until this fall

1. Whatever you do, do NOT replace anything without running a full Manual J. I did my own from this site: http://www.loadcalc.net/ but if you are unfamiliar with construction, pay an honest HVAC company to have it done. It will take them 45 min to 1 hour to do all the investigating/ measuring at you...
by Saving$
Sun Jul 24, 2016 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Second Income advice
Replies: 14
Views: 1704

Re: Second Income advice

1. Credit card debt. 2. a.Do you have an emergency fund? 2. b. Do you have a Roth IRA fully funded? If yes to both, to to 3. If yes to a, no to b, put the emergency fund in a Roth, and the $5k, up to your $5.5k annual limit. Use the Roth as your emergency fund If no to both, put the $5k in a Roth IR...
by Saving$
Thu Jul 21, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner with separate assets
Replies: 13
Views: 1300

Re: Buying a house with a partner with separate assets

I am aware of a similar situation, in which they did the following: - bought type of place that either of them could have bought on their own. It was an uncomfortable stretch for the person with lower income/fewer assets, but not totally impossible. - they were each on the deed and each on the mortg...
by Saving$
Mon Jul 18, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 6802

Re: Another Too-Much-House Thread....

That is too large for 2 people, for all the reasons given above. Suggest that you figure out a way to build a much smaller home on the site in sort of a Phase I and Phase II approach. Phase I might be a 2000 sf home that you can be happy with, but with the plans completed for how to expand it. Might...
by Saving$
Sun Jul 17, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Avoid Obamacare penalty by contributing more 401k?
Replies: 7
Views: 817

Re: Avoid Obamacare penalty by contributing more 401k?

OP - In this situation, the Roth IRA will not help you. Those contributions are post tax. Your best bet is to make those Roth IRA contributions to a deductible traditional IRA. Then, after the end of the year, when you know your exact income, you can re-characterize some of those traditional IRA con...
by Saving$
Sun Jul 17, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6206

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

While CindyJRN is correct that we should not compare costs only, since rates and surcharges vary widely. In addition, other factors such as how the house was built vary widely. If your coil has frozen, it is clear to me that your AC unit is not operating properly. If the coil freezes, it will run an...
by Saving$
Sun Jul 17, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6206

Re: Electric Bills Killing Me from AC. Need Advice.

susa wrote:A frozen coil indicates improper R410A or R22 level.

This

My AC bill is just over $100/m with a regular unit (not high SEER, not multi stage, etc.) in a part of the country where the AC is used more than in the midwest, and in a larger house than you describe.
by Saving$
Fri Jul 01, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Bereavement flight discounts
Replies: 8
Views: 1471

Re: Bereavement flight discounts

When I have had to fly last minute for these situations, I have found the best deals are either Southwest lowest fare, or the "package" last minute travel deals airlines such as Delta and American have. One time they were only offering them with hotels (not with cars) so I got the least ex...
by Saving$
Tue Jun 21, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Received New Costco Am Ex card
Replies: 10
Views: 1296

Re: Received New Costco Am Ex card

Took the advice of some of the responders and called AmEx, mostly to confirm to myself that there is no unauthorized use, etc. They finally came up with a plausible reason for the new card: In 2015 I allowed Costco to upgrade me to an Executive membership level. When the executive member rebate chec...
by Saving$
Sun Jun 12, 2016 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Download pamphlets?
Replies: 3
Views: 408

Vanguard - Download pamphlets?

Helping a relative who has a Vanguard account and prefers getting hard copies of documents. That is fine - I get that people who spent 70+ years looking at hard copies wish to continue to do so. So the hard copy comes, the relative reviews, then we want to get rid of the hard copies, and it is my jo...
by Saving$
Sun Jun 12, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What software for my purpose?
Replies: 4
Views: 805

Re: What software for my purpose?

Quicken Home & Business...
by Saving$
Sat Jun 11, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: help moderate-income family get ducks in a row?
Replies: 24
Views: 2435

Re: help moderate-income family get ducks in a row?

1. Spouse keep job, either in current location or new job for both of you in location 30+ miles out, so you can still see family on weekends, but have a more affordable cost of living. If that is not possible, carry on at current locations 2. Disagree about the need to own a house. There is maintena...
by Saving$
Sat Jun 11, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare pricing ?
Replies: 15
Views: 1606

Re: Obamacare pricing ?

Other than qualifying for the subsidy if your income is within the range, is there any other advantage or disadvantage, monetary or policy terms or other to buying your policy on the exchange site vs. from a private broker?
by Saving$
Sat Jun 11, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5712

Re: Are Rentals As Bad As Some Make Them Out To Be?

It sounds like you have the technical skills to be a LL - can fix most things yourself, and can probably troubleshoot over the phone, and know enough to know when a tenant is pulling your chain. The other skill you need is the ability to be firm - say no to sob stories, etc, because screening is the...
by Saving$
Sat Jun 11, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Received New Costco Am Ex card
Replies: 10
Views: 1296

Received New Costco Am Ex card

Please explain to me why on earth American Express issued a brand new credit card to me yesterday. Isn't the Costco/Amex relationship ending in 9 days??? The letter states: "Your new True Earnings Card from Costco and American Express is here. Get ready to enjoy exceptional service, benefits an...
by Saving$
Tue Jun 07, 2016 4:02 am
Forum: Personal Finance (Not Investing)
Topic: High Interest Checking Account that pulls in PDF's of bills
Replies: 10
Views: 1027

Re: High Interest Checking Account that pulls in PDF's of bills

To clarify, it is DEFINITELY possible for the bank to pull in the pdfs. A few, but not many do. The crux of the question is, can the Bogleheads identify a bank that does this and also offers high interest checking?
by Saving$
Sun Jun 05, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: High Interest Checking Account that pulls in PDF's of bills
Replies: 10
Views: 1027

Re: High Interest Checking Account that pulls in PDF's of bills

Can you explain the advantage of them pulling in a pdf of the bill vs just the balance due? In my mind, the more copies of personal financial information at different sites increases the chances of a bigger problem if any one site is hacked. lafder 1. What Stlutz said - I want to review the bill an...
by Saving$
Sun Jun 05, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: High Interest Checking Account that pulls in PDF's of bills
Replies: 10
Views: 1027

High Interest Checking Account that pulls in PDF's of bills

An acquaintance has a checking account with a credit union on which the online billpay portal can be set up to pull in the pdf version of the bills from the various billers (credit card, utilities, etc.). I am familiar with checking accounts that will link to the biller and tell you how much is owed...
by Saving$
Sun Jun 05, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: National Family Mortgage for an inter-family loan?
Replies: 3
Views: 582

Re: National Family Mortgage for an inter-family loan?

Checked out their website, and see they offer the option to handle monthly payments and annual 1098/1099. Would they send dunning letters or assess late fees if the payments are not made?
by Saving$
Sun Jun 05, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep rental property records?
Replies: 10
Views: 1163

Re: How long to keep rental property records?

Had a similar issue. Decided to scan them & problem solved.
by Saving$
Sat Jun 04, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: New HVAC Unit - Low, Medium or high end
Replies: 15
Views: 2499

Re: New HVAC Unit - Low, Medium or high end

The #1 consideration when installing/replacing an HVAC system should be sizing. You need the proper size for your unique situation. The only way to calculate this is to run a Manual J calculation. If any installer tells you they can do it by square feet per ton or any other measure use a different i...
by Saving$
Sat May 28, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 2181

Re: Is there such thing as easy load front load washer/dryer?

LG makes a front load where the door is tilted 10 degrees. Supposedly this is sufficient to address your concerns. It does not look much different to me. Be interesting to hear from people who have used it.
by Saving$
Fri May 20, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Is $2000 reasonable for bathroom permits?
Replies: 22
Views: 2686

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: 8
Views: 900

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: 4431

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: 8481

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: 719

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: 17117

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: 5031

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: 5054

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: 1070

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: 2867

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...

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