Search found 1496 matches

by Saving$
Sat Oct 14, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7756

Re: New HSA provider Lively offers investments for $30/yr fee

Left account open but staying with SelectAccount HSA for now, b/c the minimal difference in expenses isn't worth the hassle of two active accounts. I understand that. :beer I've been grumbling about the growing fees in my employer-sponsored HSA for two years. Twice, I had even downloaded all of the...
by Saving$
Wed Oct 11, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17905

Re: Growing old without kids or younger caring relatives

Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets. How the Elderly Lose Their Rights Guardians can sell the assets and control the lives of senior citizens without their consent—and reap a profit from it. http://bit.l...
by Saving$
Wed Oct 11, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3634

Re: Wifi Thermostat

1. The posts noting the wiring issues are correct. You need a C wire. On a typical split system (furnace for heat/electric AC), this means more than 4 wires. If your existing wiring does not include a C wire, your options are to run new wire, or to forgo the setting on which your HVAC fan can run wi...
by Saving$
Tue Oct 10, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7756

Re: New HSA provider Lively offers investments for $30/yr fee

Does your money go direct from your current HSA to Choice Financial, or does Lively have custody of it? - If it goes direct to Choice Financial, isn't your money safe since they are FDIC insured? - If it does not go direct, I guess the time Lively has it is when you are at risk. - Once the money is ...
by Saving$
Tue Oct 10, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 44
Views: 3960

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Rediculous... No way am I letting it move. THe question now is where to move to? I currently use two HSAs one with my investment funds at hsabank TD ameritrade. I like to have funds in a normal interest HSA account as well to deposit and withdraw yearly (I'm withdrawing old receipts from the last 5...
by Saving$
Wed Oct 04, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Financial arrangement for in-laws in guest house
Replies: 13
Views: 1159

Re: Financial arrangement for in-laws in guest house

They are family. Plenty of family live together and share expenses, or live together and don't share expenses... Just treat it like a housemate situation, and decide on what their portion of the ''shared" expenses should be.
by Saving$
Mon Oct 02, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 753

Re: Pressure washer with telescoping wand and bleach spray

You did not specify the type of siding. You mentioned bleach, so perhaps the issues is mildew or moss. If mildew/moss on vinyl siding, you can buy a few premixed solutions at the big box stores or online. Before they sold those, Wolverine, a vinyl siding company, recommended 1/2 cup bleach and 1/2 c...
by Saving$
Sun Oct 01, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5293

Re: Would you take a pay cut to work from home?

"Would you take a pay cut to work from home?" I would and have, but I'm not your age. At your age, with the situation you described, you should NOT do this. - it does not sound like you have a harrowing commute. If you do, move closer to work. - the networking contacts you make at this time in your ...
by Saving$
Mon Sep 25, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 2992

Re: BH phone review: Moto G5 Plus

Bought the G5 (don't think it is the plus version) a few months ago from B&H at the recommendation of this board. It is by far the best phone I have ever owned. I previously had a few mid range Samsung models. The G5 has no bloatware, so the phone stays very responsive. It is very fast, the screen i...
by Saving$
Sat Sep 23, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5089

Re: Toilet Woes

Problem could be: 1. Shut off valve does not allow enough water through - more difficult to check, so check after 2. 2. Clog in hose - visually check hose for kink, if found, unkink, if none proceed - turn off shutoff valve, put bucket under tank hose connection, disconnect hose from tank. Aim hose ...
by Saving$
Thu Sep 21, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2033

Re: Spray Foam Insulation

Should you do it? Yes, but only if you do it right. What does that mean? 1. Spray foam will by definition make your house much tighter - it will leak less. 2. A tighter house needs controlled ventilation. You will probably need an ERV or HRV. Most codes technically require them, it is just not yet e...
by Saving$
Wed Sep 20, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24062

Re: I won the Lottery. Need sound advice.

Congratulations. With all due respect, your finances before this were a disaster and unsustainable. All this will do is pull you out of a hole temporarily. What are you going to do to have a sustainable financial plan? You have been using Edward Jones, and your wife wants to stay. If the EJ advisor ...
by Saving$
Tue Sep 19, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice pay off mortgage now or keep cash for closing
Replies: 13
Views: 1272

Re: Financial advice pay off mortgage now or keep cash for closing

If you use the $90k to pay off the existing mortgage, will you still have enough left over to pay cash for the new condo? If you don't use the $90k to pay off the existing will you have enough cash to pay for the new condo without selling your existing? If not, do you plan to sell the existing condo...
by Saving$
Tue Sep 19, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3120

Re: New to Investing. 450k cash

Welcome, and congrats on being able to put 20% down, and on having the significant equity. Based on your post, you already bought the $1m house, so you already took out that mortgage. Even if you use all or part of the $450k to pay against the house, your monthly mortgage payment is not going to dec...
by Saving$
Mon Sep 18, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1244

Re: Experience with Custom Home Builders

Did they give you only the total, or did they give you line by line detail? You need to analyze the detail. First in large categories, then more granular. For example, do they both include appliances? How much does each include for kitchen & bath cabinets and counter? Closet shelving, etc. Sitework,...
by Saving$
Sun Sep 17, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 41
Views: 2860

Re: Help selling scion xa

In the ad say *Include your phone number*. You don't have to call, it gives you an idea if they're in your local area or just surfing ads from Alaska or Hawaii trolling sellers. In this day and age, a phone number means nothing. I sell a fair amount on CL and the majority of people don't have a loc...
by Saving$
Sun Sep 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4207

Re: Buying nightguards (teeth grinding)

I have one that I got from my dentist. Forgot how much it was but i has lasted me 7 years and probably at least another 3 more. The plus side is it still acts like a retainer, so if your concerned about straight teeth this is the way to go I think. IT might be a bit more expensive but well worth it...
by Saving$
Sun Sep 10, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 1836

Re: State Farm won't insure my rooftop solar

I would switch carriers, but also complain to my state insurance commissioner.
by Saving$
Sat Sep 09, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3473

Re: Flood Insurance when not in flood plain?

The insurers website indicates I am 75' above the nearest food zone. Seems to me my only flooding risk is if the city sewer back up.... Which is also apparently covered by food insurance
by Saving$
Sat Sep 09, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3473

Flood Insurance when not in flood plain?

My insurer's website has a place where I can check property elevations with respect to nearby flood areas. It includes a warning that over 20% of damage to homes occurs outside of flood areas. I am wondering if there is a certain level above the flood plain level where you no longer need to be conce...
by Saving$
Sat Sep 09, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3535

Re: At what point would you considering Umbrella Insurance

Does it depend on your net worth? No. It does not depend on your net worth alone. But if you have a significant net worth OR (future) earnings, you should consider it. When we first became teachers in our 20s, we got it when we bought our first house, because other teachers said we could be sued by...
by Saving$
Sat Sep 09, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3535

Re: At what point would you considering Umbrella Insurance

What calculation/ formula should a person use to determine the limits of an umbrella policy? a. Total net worth b. a above less 401k/403b accounts? Do you also subtract IRA & Roth accounts? c. Total net worth + some percent of future earnings (what percent? The amount you typically save after expens...
by Saving$
Sat Sep 09, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: New home: 30% increase in construction supplies due to hurricane -- [frustrated]
Replies: 10
Views: 1703

Re: New home: 30% increase in construction supplies due to hurricane -- [frustrated]

If you already have a contract with the builder, tell him he should already have locked in quotes from his suppliers, and they need to honor those quotes, just like he legally needs to honor his contract with you. If you have not locked in on a contract, and think the builder is being honest with yo...
by Saving$
Fri Sep 08, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: HVAC AC and furnace replacement quandary
Replies: 21
Views: 2482

Re: HVAC AC and furnace replacement quandary

You can replace the condenser outdoors and the indoor coils (which are over the furnace on an upright unit and to the side on a horizontal unit). The coils are not part of the furnace, just installed attached to it. You can leave the existing furnace and install new coils to it. Depending upon the s...
by Saving$
Fri Sep 08, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3264

Re: New Mobile Phone number - Now hounded by Collection Agencies

If it is only 1 or 2 agencies, it might be worth the "battle". At a previous home number, I had luck with just talking to them and explaining that the phone number did not belong to the person they were looking for. I think I had problems twice and it worked out well both times. If there are severa...
by Saving$
Fri Sep 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35183

Re: USAA 2.5% Cash Back Credit Card

One interesting data point regarding this card - it does not show up on an Equifax credit report. Although USAA does report to Equifax, because my USAA checking account shows up on the Equifax report as a savings account. It is the only checking /savings account that show up on any of the three repo...
by Saving$
Wed Sep 06, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2861

Re: Ideas to use a large flat space in yard

I'd love to have a space like that
- croquet game
- cornhole board
If you build it they will come...
by Saving$
Mon Sep 04, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: QCD vs donating appreciated securities? [Qualified Charitable Distributions]
Replies: 5
Views: 434

QCD vs donating appreciated securities? [Qualified Charitable Distributions]

Is the following an accurate assessment of the pros & cons regarding taxes of Qualified Charitable Distributions vs. donating appreciated securities? Since QCD's lower Adjusted gross income, net taxes paid is less using QCD's if: a) taxpayer does not itemize (so donating appreciated securities has n...
by Saving$
Mon Sep 04, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16510

Re: Becoming a Landlord: My Experiences

This is an excellent post. I would add the following: 15. Learn how to do your own minor & medium repairs. You will spend just as much time calling, scheduling, waiting on, following up with, paying, tracking, deducting, etc. repairs as you would just doing it yourself. You can spend 3 hours total o...
by Saving$
Thu Aug 31, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3330

Re: TaxAct for $13.50

Received email yesterday,part of which stated the below: "Auto-enroll for TaxAct 2017 Federal Premium Edition today, and pay only $27.00 when you file your 2017 taxes with us" I signed into my account,,,I selected auto enroll. :happy https://www.taxact.com/products/next-year I'm getting so over TA....
by Saving$
Wed Aug 30, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3246

Re: How do you know you're not being scammed when buying a house?

OP - The most important info in this thread is to ensure you obtain OWNER's title insurance. The bank/mortgage company will purchase a title policy, which is LENDER's title insurance that YOU will be charged for, but that protects only the bank/mortgage company. If you buy your OWNER's title insuran...
by Saving$
Sat Aug 26, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6771

Re: Bosch dishwasher?

$300 white top of door controls Amana, 2 years old. Works great, dries dishes well. I unbelievably quiet.
by Saving$
Sat Aug 26, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3280

Re: Desperate to get rid of mosquitoes, what else could we try?

- One of our neighbors doesn’t use his backyard and we see a few old tires and cans that very likely hold rainwater. We are not in a relationship where we can ask him to clean them up. Mosquitoes can be considered a public health risk. Our city checks and sprays gutters, alleys, etc. The county eve...
by Saving$
Fri Aug 25, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Major career decision.. offer on table. Huge relocation decision.
Replies: 29
Views: 3147

Re: Major career decision.. offer on table. Huge relocation decision.

As you describe it, the net compensation is not immensely different, so there are many other factors to consider. 1. You note 1100 mile family move. What do spouse and children think of move? If they are not happy, more retirement income is not going to fix that. 2. Does spouse work? If so, what are...
by Saving$
Fri Aug 25, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Webcam/Time Lapse to record community project?
Replies: 3
Views: 372

Webcam/Time Lapse to record community project?

Looking for advice on the most appropriate hardware to get time lapse photos on progress of an outdoor community project expected to last 7-9 months. Project allocated $150 budget for my time lapse photos idea... Two neighbors have agreed to let us install a camera at their property. If at all affor...
by Saving$
Fri Aug 18, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9603

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

So sorry to hear about your husbands diagnosis. You have found Bogleheads, and that is good, because you can trust the financial advice you will receive here. Even it if is just a collection of opinions, it is like having a entire group of really smart advisors. Regarding the house - I do not see th...
by Saving$
Fri Aug 18, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investments that Colleges Don't Count Against You.
Replies: 18
Views: 2955

Re: Investments that Colleges Don't Count Against You.

1. Roth conversion
2. Revise from SEP to Solo 401k which allows higher contributions than a SEP. You can even get a Solo Roth 401k.

Remember that anything you report this fall is not for next year, but the year after that (ie if student is a freshman this fall, it is for the junior year).
by Saving$
Thu Aug 17, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Suggestions for online tool for organizing an event?
Replies: 6
Views: 387

Re: Suggestions for online tool for organizing an event?

I think Asana (asana.com) has a free version suitable for a small group like yours. There are plenty of other similar products out there. We use it primarily for task tracking--but it stores files and conversation threads. They're helpfully attached to each task. I've found it best to move all conv...
by Saving$
Thu Aug 17, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Suggestions for online tool for organizing an event?
Replies: 6
Views: 387

Re: Suggestions for online tool for organizing an event?

mhalley - thank you for the reply. However those products all look like free video chat/screen sharing apps. We are looking for a product to store notes and documents in an organized format that can be referred back to later, even a year from now, not for a product to talk to each other...
by Saving$
Thu Aug 17, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Suggestions for online tool for organizing an event?
Replies: 6
Views: 387

Suggestions for online tool for organizing an event?

Can the Bogleheads recommend a free online tool for organizing an event/project? Ideally it would be something 3-4 people could log onto. We would be able to organize notes and communication by topic and subtopic, such as the list below. The organizers could log on, attach documents, make notes, and...
by Saving$
Thu Aug 17, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4116

Re: Other people's perception of your finances

This really depends upon whether the same issues happened before you moved to this new house (guest for 2 + weeks?) and if it reciprocal (do you visit these family members at holidays and stay in their house the entire time?) I agree that going out to dinner and not offering to pick up the tab may b...
by Saving$
Wed Aug 16, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6772

Re: please help...am I overextended - first home

Did you make a decision? Don't leave us hanging. :happy I spoke with my realtor today. She is encouraging me to go through with the inspection (she even offered to split it with me but I can't let her do that). I am planning on staying where I currently am and save some money. I got such great feed...
by Saving$
Wed Aug 16, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8781

Re: ObamaCare 2018

My state has about 5 providers, who together offer about 60 plans [edited to add: that are available in my particular urban county]. When I started looking at the networks, I was appalled. There is a major university hospital system 3 miles from me, and although some plans included certain doctors i...
by Saving$
Tue Aug 15, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6772

Re: please help...am I overextended - first home

Yes, you are way overextended. And this is not totally based on the math. 1. You have a >$450/m 401k loan with 2 years left to pay 2. You have not saved for a sufficient down payment on the house 1+2 = not ready to buy a house. You need to stay in the apartment you are currently in - declutter if th...
by Saving$
Wed Aug 09, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on Empty Lot
Replies: 10
Views: 922

Re: Insurance on Empty Lot

The only thing you need to insure for is liability, since you have no property to lose on an empty lot (well, there is also owners title insurance, but that is not where you were going with the question). In many situations, your homeowner insurance will extend coverage to an empty lot. Some states/...
by Saving$
Sat Aug 05, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: multi-location restaurant owner needs advice
Replies: 9
Views: 814

Re: multi-location restaurant owner needs advice

You have an annual salary of $200k (regardless of where it comes from), live in a LCOL area, and have no emergency, 401k, Roth, HSA or tIRA accounts? What are you doing with the $200k? 1. Immediately put $5500 in a Roth for you and $5500 in a Roth for your spouse. Temporarily that can also function ...
by Saving$
Fri Aug 04, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Fidelity or Vanguard
Replies: 33
Views: 2570

Re: Help: Fidelity or Vanguard

Vanguard Solo 401k dealbreakers: 1. Don't allow rollover of tIRA into the solo 401k - This becomes the deal breaker if you need to enable backdoor Roth 2. Don't allow admiral class shares in the solo 401k - This becomes the deal breaker if you think you might start the solo at Fido and roll it over ...
by Saving$
Fri Aug 04, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2320

Re: Can my wife afford to stay home?

It's a bit unclear, but your presentation indicates you could meet expenses using only your base pay, but would then not be saving much, if at all. Since you don't have a mortgage, that not saving much can be viewed in a different context, but losing that tax advantaged space every year while she st...