Search found 1237 matches

by Saving$
Sun Sep 18, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help me Calculate Tax on Rental Sale (Former Homestead)
Replies: 11
Views: 578

Re: Please Help me Calculate Tax on Rental Sale (Former Homestead)

On a joint return, up to $500K of gain can be excluded, but eligibility is determined separately for each spouse. Since you meet the qualifications but your spouse does not, you can exclude up to $250K on the joint return. (Reg 1.121-2) Having rented it out 2-3 years prior to sale does not disquali...
by Saving$
Sun Sep 18, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 881

Re: SEeking Rental Advice

No, don't do it. If you want to rent out the condo, do it correctly. Spruce the place up, learn about being a Landlord, learn about your legal obligations and how to legally screen tenants (or hire a property manager who knows this). Then screen, screen, and screen some more. Based on what you have ...
by Saving$
Sun Sep 18, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3020

Re: Recommendations for External Hard Drive

Good idea on researching the reliability. The following article seems to indicate HTSG are the most reliable. http://www.pcworld.com/article/3071180/storage/who-makes-the-most-reliable-hard-drive-latest-backblaze-survey-claims-to-know.html Interestingly, the HTSG logo tagline is "A Western Digi...
by Saving$
Sat Sep 17, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1621

Re: Tenant Background Check and Credit Check

The property management company you are referencing works for the condo HOA and is managing the day to day business of the condo on behalf of all it's owners. It works for ALL the owners. The day to day business of the HOA is to enforce the HOA docs, and to execute the responsibilities of the HOA. W...
by Saving$
Sat Sep 17, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3020

Re: Recommendations for External Hard Drive

Other replies came in while I was typing the above. @killjoy - I have no idea what your second post actually means - way over my head. I hope it will be of use to some... @rgs - GTech seems to have some affordable 2tb and 3tb drives on Amazon, but they are only USB 2.0. To go to USB 3.0 they jump up...
by Saving$
Sat Sep 17, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3020

Re: Recommendations for External Hard Drive

Thanks Killjoy. Appreciate the reply very much. I had no idea what that wireless thing did. I would never deploy anything that would let me access my home network from a remote location, because I know for sure I don't know enough about computers to keep a setup like that safe. Better to just not do...
by Saving$
Sat Sep 17, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3020

Recommendations for External Hard Drive

My 5 year old external hard drive used for backup is showing signs of problems so I am going to replace it. Looking for recommendations on brands (good vs avoid) and features. I know I want 3 tb or larger, and USB 3.0. Beyond that I'm lost on all the new options (type of formatting, wireless vs non-...
by Saving$
Mon Sep 12, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is my financial adviser expensive? Can I improve my portfolio?
Replies: 37
Views: 3816

Re: Is my financial adviser expensive? Can I improve my portfolio?

- Just yesterday, I started contributions for a traditional 403(b), as you, "segfault," and "BL" suggested. If this year had one more month, I could max out the traditional 403(b). The contributions will probably move me from the 25% tax bracket to 15%. Next year, I may take mor...
by Saving$
Mon Sep 12, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my mortgage?
Replies: 35
Views: 2841

Re: Should I pay off my mortgage?

You have it right - pay on the mortgage before you pay on the truck. My short answer as to if you should pay it off is "maybe." You wrote you have sufficient funds to pay the entire thing off. Would that come from your emergency fund? If you paid it off, and a catastrophe ensued (you lose ...
by Saving$
Sun Sep 11, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is my financial adviser expensive? Can I improve my portfolio?
Replies: 37
Views: 3816

Re: Is my financial adviser expensive? Can I improve my portfolio?

Yes, your adviser is expensive; yes you can improve your portfolio. Also, this can probably be done without too much pain. It is pretty impressive to have >$300k in a Roth at 40. Congrats. Let Vanguard handle the transfer of the TD Ameritrade Roth into Vanguard. There are no tax consequences for tha...
by Saving$
Sun Sep 11, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Self Employed Expense Tracking
Replies: 7
Views: 451

Re: Self Employed Expense Tracking

Are the meal expenses deductible? Seem to remember something about them only being 50% deductible...
by Saving$
Thu Sep 08, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 1471

Re: How do you handle business cards from fleeting acquaintances?

Ok, I specifically DO NOT want these in my contacts. I have too many contacts as it is. So what does it really mean to "tag" it? Will it automatically create a database for name, company, etc?
by Saving$
Thu Sep 08, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 1471

Re: How do you handle business cards from fleeting acquaintances?

I just looked at Evernote. Interesting. It seems to be geared for webpages - sort of a bookmark across all devices that apparently lets you tag/label things? Looks like it allows you to upload 60 mb of new data per month. Do you snap a photo of the cards and then upload them then tag them? Or use so...
by Saving$
Wed Sep 07, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 1471

How do you handle business cards from fleeting acquaintances?

I often attend networking events at which I meet all sorts of people. They are not people that I will communicate with on any regular basis, but they are often people whom it is good to know, and whom, based on what I learned from them at the event, I may remember a few years down the road as someon...
by Saving$
Wed Sep 07, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: What to do with my CD collection
Replies: 35
Views: 2534

Re: What to do with my CD collection

I too am interested in knowing a) if you can legally keep the digitized /ripped /mp3 version if you sell/donate the physical CD's b) if the ripped version is of the same quality as the orginal c) What do you do about the covers with lyrics, etc? Do you scan or just google it if you want to look some...
by Saving$
Fri Sep 02, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Which android phone to buy?
Replies: 52
Views: 6005

Re: Which android phone to buy?

The Android ecosystem has really left a gaping hole for the 4.7 inch premium market. Silly not to have a premium large and premium small phone for each line IMO. The Xperia Z5 won't be as cheap as a Moto but it has an incredible camera allegedly, a great finger sensor and a great battery which is a...
by Saving$
Fri Sep 02, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Is this newspaper column 401k advice correct?
Replies: 7
Views: 1294

Is this newspaper column 401k advice correct?

The local paper carries a column called "Smart Money" by Bruce Williams. Last week, he advised a reader that even if you are still working, you are required to take distributions from a 401k at 70.5 years old. Here is the link: http://www.uexpress.com/smart-money/2016/8/25/withdrawals-from...
by Saving$
Fri Sep 02, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll
Replies: 23
Views: 1562

Re: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll

However, an important point to note is that the employer plan IS NOT a Medigap plan. If you plan to ever move to a Medigap plan, you are only guaranteed acceptance at age 65 (or a few other limited circumstances) without undergoing medical underwriting questions. So if you have a serious pre-existi...
by Saving$
Tue Aug 30, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning options for tricky family situation
Replies: 28
Views: 3072

Re: Estate planning options for tricky family situation

Interesting topic. Is there any type of annuity product that the beneficiary could not sell? Often in such situations, the larger concern is for the responsible family members. The irresponsible one blows their money, becomes destitute, and begs the responsible family members for money. Responsible ...
by Saving$
Tue Aug 30, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 1583

Re: Barrier to credit card warranty protection claim

I'm scanning all my cards from now on. I have started doing the same, scanning front and back so I have the CVV too, in case the card issuers ever need that - this wouldn't on the statement or credit report. With the number of credit and debit cards I have recently received, I think there is market...
by Saving$
Tue Aug 30, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 1583

Re: Barrier to credit card warranty protection claim

This doesn't surprise me. I haven't had any problems with the card, and the rewards are good, but they don't really seem to have their act together. It's the only card I have that doesn't have a chip yet, and their online interface is fairly clunky. I have my account set to alert me anytime there's...
by Saving$
Tue Aug 30, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 10
Views: 838

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

.... Also if you die or can't manage your account your representative could probably get a court order to access the documents. It has a special "Share after death" feature, explained at the bottom of this page: https://www.fidsafe.com/about-fidsafe/ Your designee just provides a copy of ...
by Saving$
Tue Aug 30, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 2398

Re: Thank you gift for someone with everything

Unless they expressed a wish to acquire more plants, I would not give a plant. Too much hassle factor...
by Saving$
Tue Aug 30, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 2398

Re: Thank you gift for someone with everything

Definitely send something consumable or charitable. Flowers are a nice idea. Did they mention any charities to which they give or to which they volunteer time? Send one of those charities a gift in honor of them. Do they love coffee? Coffee of the month club for 4 months? Do they love wine? Wine of ...
by Saving$
Tue Aug 30, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 10
Views: 838

Fidelity "FidSafe" Free online storage of documents - is this safe?

Anyone know anything about this? Supposedly 5gb of free online storage of important docs. Supposedly they take care of the security. Details at: https://www.fidsafe.com/security/ Can someone who understands this stuff explain if this is safer, less safe, or the same as other solutions? The other fre...
by Saving$
Tue Aug 30, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 1583

Re: Barrier to credit card warranty protection claim

What I also really want to know is, who the issuer is that is unwilling to give you the old number ? Please name the bank, so I know who to avoid. Was is FIA/BofA by any chance ? They sent us about 20 new cards over 2 years after account compromises happened - they were clearly on their side. That'...
by Saving$
Tue Aug 30, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Anyone fly drones?
Replies: 10
Views: 1139

Re: Anyone fly drones?

Similar questions so appending this thread instead of starting a new one. I'd like to get one to be able to inspect a steep roof, and check the gutters. Not much else I would use it for, so vertical range is under 35' and horizontal range is under 40', but they would be combined at times, so I'm gue...
by Saving$
Sun Aug 28, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 36
Views: 2631

Re: Office Chair

I used to use a HM Aeron at work, and had no complaints. Changed jobs and was assigned a chair that was definitely uncomfortable so I requested a replacement. I was given a mesh type chair similar to a HM Aeron, but definitely not an Aeron. It served me well for 5+ years. At one point I investigated...
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: 3607

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: 1656

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: 22
Views: 1583

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: 22
Views: 1583

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: 144
Views: 8285

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: 22
Views: 1583

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: 19
Views: 2191

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 10:38 am
Forum: Personal Consumer Issues
Topic: Changing mesh screen of patio sliding door
Replies: 8
Views: 819

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: 1625

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: 781

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: 219

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: 781

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: 781

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: 5009

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: 784

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: 5009

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: 2915

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: 2917

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: 1751

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: 1336

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: 6951

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: 863

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...

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