Search found 1190 matches

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: 1223

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: 66
Views: 5632

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: 765

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: 6005

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: 6005

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: 1427

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: 1279

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: 381

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: 793

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: 2389

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: 1565

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: 5563

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: 1279

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: 987

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: 987

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: 987

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: 541

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: 1138

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: 14
Views: 2071

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: 2105

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: 2619

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: 880

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: 4298

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: 8388

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: 706

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: 16676

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: 4812

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: 4988

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: 1039

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: 2807

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: 775

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: 4991

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: 3305

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: 3305

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: 3510

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: 705

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: 1039

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: 1039

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: 1039

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: 668

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: 5700

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: 775

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: 5700

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: 8413

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: 2206

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: 3393

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: 4131

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: 775

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: 2654

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...

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