Search found 1400 matches

by Saving$
Wed Apr 26, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 16
Views: 1516

Re: Hourly rate for carpenter?

Carpenter is a wide ranging term. Framing carpenter for a deck? $15-$25 Handyman carpenter for misc work? $25-$40 Finish carpenter for custom cabinetry? $40-$60 Also depends upon if the carpenter is working with you and you are doing the directing & thinking, and supplying the materials & to...
by Saving$
Wed Apr 26, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 869

Re: Purchase new, but older model cell phone - Best method?

The Moto G5 shares the same form factor as the SG5, but will be much more powerful, have a warranty, and the latest software. All for $229 from amazon. Keep in mind that, inexplicably, the new Moto, at least it US version, lacks NFC. It has caused me, a loyal Moto G user (the original and the 3) to...
by Saving$
Tue Apr 25, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 869

Re: Purchase new, but older model cell phone - Best method?

eBay? http://www.ebay.com/itm/New-Overstock-Verizon-Samsung-Galaxy-S5-SM-G900V-Charcoal-Black-Smartphone-/391737155484?hash=item5b355a9f9c:g:-IUAAOSwLEtYkjwT I searched on "new verizon samsung s5" and quite a few good options came up. The one downside of buying an S5 is you are likely stu...
by Saving$
Tue Apr 25, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 869

Purchase new, but older model cell phone - Best method?

What is the best method to purchase an older model cell phone and get the best combination of new or slightly used and best warranty? Are there specific online sellers whose warranty is better than others? Is a third party warranty even an option if it is not new and is so, are they worth it? The Sa...
by Saving$
Sat Apr 22, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Aftermarket batteries for cordless tools?
Replies: 10
Views: 936

Aftermarket batteries for cordless tools?

Have any Bogleheads tried aftermarket non OEM batteries for cordless tools, and if so, what is your experience? Are they as reliable as the OEM? Are they properly labeled (ie 4.0 amp is really 4.0, and not an overpriced 2.5 amp), are they safe, do they last as long? The most expensive part of the co...
by Saving$
Fri Apr 21, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 17886

Re: TaxAct pre-purchase discount

If $40 is the pre-order price for the "Plus" edition I'll definitely be moving on. I don't see any particular value at that price point. Agreed. To make it worse, if you need a Schedule C, your price goes from $40 to $55. And those are the "discounted" costs if you preorder. Per...
by Saving$
Fri Apr 21, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 17886

Re: TaxAct pre-purchase discount

I agree the pricing games are disappointing, but where do you get that they are eliminating preview versions? I see this for 2016, with no mention of eliminating it: https://www.taxact.com/support/50/2016/release-date-of-preview-and-final-version This says 2017 will be available January 2018: https...
by Saving$
Thu Apr 20, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 17886

Re: TaxAct pre-purchase discount

These pricing shenanigans are ridiculous. A three page thread to figure out the price of a product. This is worse than a used car. From 2003 until this past year they offered a great product at a fair price, so I did not bother to shop the competition. But two fundamental things changed: - Pricing s...
by Saving$
Mon Apr 17, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 6922

Re: Physician using Turbotax, owing 30K so far already...

Re: your question on backdoor Roth. You don't need to do the entire backdoor Roth before tomorrow. You just need to deposit $5500 into a Traditional IRA account for you and for your wife. It will NOT be deductible, so it will be an after tax contribution in which you will have basis. Turbo Tax will ...
by Saving$
Mon Apr 17, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3327

Re: New HVAC - Assessing Quotes?

A 32 year old system is probably not operating at capacity, so comparison is not relevant. 4 tons for 2300 sf sounds a bit on the high side. In regards to cost, what is the scope - replace only the inside & outside units? Replace the lineset? Replace duct or reconfigure duct or do nothing to duc...
by Saving$
Sat Apr 15, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2282

Re: New Home - Design Center Options - making smart choices

No reason to install "cable" outlets. If your house has an unfinished basement, just run some smurf tube from the box to the basement. Co-axial is on it's way out. Don't prewire for speakers. Add electrical outlets instead. Laminate in a bath as a standard in a $500k house is outrageous. I...
by Saving$
Tue Apr 11, 2017 2:28 am
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 1975

Re: Cordless Vacuum Cleaners

Had two or three Eureka stick vac for years - when the batteries would die, it was cheaper to buy a new one than a new battery. They worked well, the beater bar worked, and you hung the thing in the wall mount and it charged. When the last Eureka died, I replaced it with a Black & Decker to get ...
by Saving$
Fri Apr 07, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: New heat pump - decision time (Central FL) [thanks for referrals]
Replies: 31
Views: 1445

Re: New heat pump - decision time (Central FL) [thanks for referrals]

this is easy. Option 3. If the tonnage is too much, you will be cold & humid and not comfortable. It is highly unlikely your current unit is undersized. Far more likely it is oversized and you only need 3 tons...but I'm not there and they are. The higher SEER will be more efficient. Even if it w...
by Saving$
Fri Apr 07, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees? No Is the service EXACTLY like going through Verizon? Yes** I If so, what would be the reason to pay more by going direct through Verizon? VOLTE?(Ability to use data and talk on phone at same time)? Boom is supposed to be getting thi...
by Saving$
Fri Apr 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees? No Is the service EXACTLY like going through Verizon? Yes** I If so, what would be the reason to pay more by going direct through Verizon? VOLTE?(Ability to use data and talk on phone at same time)? Boom is supposed to be getting thi...
by Saving$
Fri Apr 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

I use Verizon prepaid. Originally I was on their standard unlimited data plan for $120/mo then switched to the prepaid plan for $45, and then bumped up to $50 for 5 GB with rollover data, which has grown to around 10 GB over the past few months. The coverage area is very good. The only gripe I have...
by Saving$
Wed Apr 05, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Home renovation advice - General and Atlanta specific
Replies: 18
Views: 1011

Re: Home renovation advice - General and Atlanta specific

So, if your parents did not own this house, and you needed to find housing, would you be inclined to: a) Look for a place in that neighborhood b) Look for the type of place it is now, or the type of place it will be after the remodel Answer the above for both now and in the future (married maybe wit...
by Saving$
Mon Apr 03, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2051

Re: Google Voice as secondary number: pros & cons

A nice feature of Google voice that I haven't seen mentioned is that I get a type of call screening when calls to that number ring my cell phone. When I answer, the robot says "Call from..." and then I hear the person's recorded name. I can then accept or reject the call. It's great. This...
by Saving$
Sun Apr 02, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4704

Re: Is Craigslist still the main site to sell stuff locally?

mags wrote:I've used "offer up" app and website.

Can you post things directly from the website? If so, how? They make it look like downloading the app is required...
by Saving$
Sun Apr 02, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2051

Google Voice as secondary number: pros & cons

An older friend on a budget asked me about replacing their secondary ring master type line, associated with their landline that costs about $10-$12/month extra. I'd like to suggest Google Voice (and perhaps do some implementation of GV for myself also, once I learn more about it) My friend does not ...
by Saving$
Fri Mar 31, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4704

Re: Is Craigslist still the main site to sell stuff locally?

I'm getting ready to relocate so I'm selling as much of my non-sentimental stuff as I can. I get about as many responses from craigslist and OfferUp. LetGo not so much and 5Miles has been nothing but scammers. Nextdoor said I would be the first person to sign up in my area, so no help there. I thin...
by Saving$
Fri Mar 31, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4704

Re: Is Craigslist still the main site to sell stuff locally?

Do you use USPS or other? I quote in the ad the most expensive rate to ship which in my area is USPS on most things. When sold, I then take it down to a package shipping store that can ship is via USPS, FedEx or UPS. They box it up and it gets shipped the cheapest way at the time. How do you get th...
by Saving$
Fri Mar 31, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4704

Re: Is Craigslist still the main site to sell stuff locally?

are you trying to get a "fair" price for stuff, or get rid of things with enough of a price to make it worth your while? I am in the latter category and use craigslist and ebay successfully to get some degree of money back for things I no longer care about (the rest goes to trash or goodw...
by Saving$
Fri Mar 31, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4704

Is Craigslist still the main site to sell stuff locally?

Is Craigslist still the main site to sell stuff locally? I know Facebook has some of this functionality, but I'm not on or willing to join FB. Also, nextdoor.com seems popular, but that seems like an inefficient way to sell things, since your ad broadcasts to a very small group compared to Craigslis...
by Saving$
Tue Mar 28, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it
Replies: 22
Views: 2207

Re: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it

Sounds like you need a tax attorney to help straighten it out if you have escalated at fidelity to no avail. You might try contacting some senior executives at fidelity. http://www.bloomberg.com/research/stocks/private/people.asp?privcapId=163894 This. But keep your letter VERY simple. State only -...
by Saving$
Mon Mar 27, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Furnishing Apartment for Work - Tax Implications
Replies: 17
Views: 1340

Re: Furnishing Apartment for Work - Tax Implications

Employer probably thinks allowing employee to select furnishings to their liking will make employee more comfortable/happier at out of town assignment, but needs to stay within a budget, so decided to give employee an "allowance." Employee is worried about tax impact of allowance, impact o...
by Saving$
Sun Mar 26, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 354

Re: HSA & Form 8889 Responses

Last-month rule. Under the last-month rule, if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers), you are considered an eligible individual for the entire year. You are treated as having the same HDHP coverage for the entire year as y...
by Saving$
Sun Mar 26, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 354

Re: HSA & Form 8889 Responses

If you were not in an HDHP for all of 2016, then you cannot deduct the max. If you changed plans midyear, you need to do the pro-rata calculation. Simply enrolling on 12/1/16 does not mean you can max out the HSA. Actually, yes, you can. If you are enrolled in the last month of the year you can tak...
by Saving$
Sun Mar 26, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7229

Re: Massive Student Loan Debt - Girlfriend

How many years of service does she already have?
How are the current payments structured - is the debt decreasing, staying the same, or increasing?
by Saving$
Sun Mar 26, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 354

HSA & Form 8889 Responses

Based on other posts here and elsewhere, it is my understanding one can contribute the max annual allowable amount to an HSA for tax year 2016, as long as one was covered by an HSA qualified HDHP on 12/1/16. Somehow, having an HSA qualified HDHP on 12/1/16, even if you had a different plan for up to...
by Saving$
Sat Mar 25, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing HDHP Versus Plan with No Premiums
Replies: 22
Views: 1360

Re: Choosing HDHP Versus Plan with No Premiums

Does your state have any income tax? If so, add that to the 25% federal. Do you have any other situations that make it beneficial to reduce your income, and if so, does the HSA give you enough of a reduction? Examples would be reaching the income threshold that bars you from deducting rental income ...
by Saving$
Sat Mar 25, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Choosing HDHP Versus Plan with No Premiums
Replies: 22
Views: 1360

Re: Choosing HDHP Versus Plan with No Premiums

If your company plan cost $65/m per person ($780/year), and they contribute $1100/year per person to an HSA, you absolutely should at least invoke it as secondary insurance. Otherwise you are leaving money on the table. I'm not familiar enough with insurance, but assume that as the employee, you wou...
by Saving$
Fri Mar 24, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees?
Is the service EXACTLY like going through Verizon? If so, what would be the reason to pay more by going direct through Verizon?
by Saving$
Fri Mar 24, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 3830

Re: Dizzying Medicare options

We need a Bogleheads for Medicare. (This thread helps, but still). I have had to help two individuals navigate this system over the years. - First one had traditional coverage, multiple medical providers and in his 80's. The older he got, the more medical care he got, so the more incorrect medical b...
by Saving$
Fri Mar 24, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3879

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Hours go by and we did not hear anything so my wife called the finance guy. Turns out he was panicked, started talking about how he was worried for his job and family. This is the part that sounded fishy to me when I first read it. What reputable company will fire a employee over a $2,000 mistake.....
by Saving$
Thu Mar 23, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Do I need title insurance?
Replies: 37
Views: 2424

Re: Do I need title insurance?

People who get a mortgage are usually required by the bank to pay for "Title Insurance." That is insurance that protects the bank. T Buyers should always request that an "Owners Title Policy" be added onto the title insurance bought by the bank. The Owner's title policy protects ...
by Saving$
Thu Mar 23, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2249

Re: Salary / employment verification

All adults living in the unit need to provide info. LL has no guarantee both adults will stay through the lease, and wants to make sure whoever is left there has the means to pay the rent. - Salary used to determine income. Rent should never be more than 33% of income, but may need to be much less. ...
by Saving$
Wed Mar 22, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 57
Views: 5360

Re: who should i choose to help me??

i have both a roth and a taxable brokerage at td ameritrade. i will be moving the john hancock to vanguard this week. i dont understand what you mean by "more space" also... thank you! Based on above you have: $80k in savings, $30k of which you want to keep in an emergency fund. Currently...
by Saving$
Wed Mar 22, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4098

Re: S corp - 401K plan - profit sharing

I believe that $50M at 0.0003 is $15,000. $40 X 1,000 = $40,000 You are both business folks - what do you think about this business's profit and future if these are the only fees? Since being in business for myself I have watched for high costs on many places but have learned that too low costs are...
by Saving$
Wed Mar 22, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4098

Re: S corp - 401K plan - profit sharing

"Guideline confirmed I cannot roll my IRA into 401k to do backdoor Roth. Other than, the potential to go bankrupt is the only negatives. But, they grew from $120k AUM id Dec2015 to over $50M now. Isn't it typical for a company not to make a profit at this stage. Does EF offer to roll over exis...
by Saving$
Tue Mar 21, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 57
Views: 5360

Re: who should i choose to help me??

2. Immediately increase your SIMPLE IRA contributions to the max you area allowed. - In regards to which fund the contributions should go into, are you allowed to invest in ANY fund Vanguard has, or is there a list of available fund? If a list of available funds, post them here. If you are allowed ...
by Saving$
Sun Mar 19, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1339

Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

Charger for my household AA & AAA batteries died, and most of the batteries are older, so I thought it would be a good opportunity to replace the setup with Li-Ion rechargeable batteries. However, the standard rechargeable household batteries and chargers all seem to be NiMH. I see a few no-name...
by Saving$
Sun Mar 19, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1245

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I use Amazon's Glacier storage for archival data using the free front end program FastGlacier. Costs me about a quarter each month for ~70GB ($0.004 per GB / month). For regularly changing data, I have a lifetime 1TB Zoolz service. They offer lifetime service for <$100 (IIRC) once in a while. The A...
by Saving$
Sun Mar 19, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 212
Views: 39658

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Your posts states you are "in the process of reporting everything." I hope this includes reporting him to his employer, so he cannot do this to others. Do NOT assume his employer has enough checks and balances in place to prevent this. Reporting him is also vital to get this information to...
by Saving$
Sun Mar 19, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2619

Re: What is ideal master bedroom size?

Size sounds very reasonable. On the closets, instead of one 13'x6' closet, can you do two 6.5'x6' closets? That will provide more wall space, which makes the closet more useable.
by Saving$
Wed Mar 15, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2280

Re: Costco tire - Michelin vs Bridgestone

Thanks for the Costco discount for the Bridgestones. Was planning on buying them anyway this week, so you just saved me $60!! It's worth it for me to buy from Costco as I'm spending about 1 hour /month there anyway, so I can have that coincide with an appointment to get the tires rotated. Otherwise,...
by Saving$
Wed Mar 15, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions about my Individual Account Plan
Replies: 1
Views: 229

Re: A few questions about my Individual Account Plan

A bit of googling indicates that 401a plans are, as you noted, defined contribution. But unlike a 401k that is based on elective defined contributions, the 401a plans are employer funded mandatory defined contributions. So it sounds like the information you are being given is correct. Some employers...
by Saving$
Wed Mar 15, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 10734

Re: Early Retirement - what to do about healthcare?

One of the most underrated benefits is retiree healthcare. I know of two who have taken advantage of this: - Friend and spouse who worked for fed gov for 30+ years. Retired in his late 50's. Gets to purchase group healthcare at group rates from retirement until retiree is 65. Retired fed worker is y...

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