Search found 1131 matches

by Saving$
Sun Jan 31, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dental and vision insurance payments withheld from paycheck, taxed?
Replies: 17
Views: 1505

Re: Dental and vision insurance payments withheld from paycheck, taxed?

Isn't the employer who does not do this also paying the employers share of social security on those premiums?
Seems like it would be in the employers interest to make these benefits part of a 125 plan.
by Saving$
Sun Jan 31, 2016 7:51 pm
Forum: Investing - Theory, News & General
Topic: Donating appreciated securities - before or after dividend?
Replies: 1
Views: 288

Donating appreciated securities - before or after dividend?

Own a few stocks that have appreciated considerably since I acquired them (before I was a Boglehead). So I try to give appreciated securities instead of cash when making donations (if they are large enough). One of the stocks will pay a healthy dividend in February. The amount of the dividend was an...
by Saving$
Sun Jan 31, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 733

Re: Saturday VG phone support no more?

No Saturday phone support is a serious disadvantage. It would definitely be enough to make me go to Fidelity if I was trying to select between the two. Disappointing.

Does anyone know if they will at least have temporary Saturday phone support during income tax season?
by Saving$
Sun Jan 31, 2016 1:45 am
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15740

Re: Unwinding day old terrible car deal for mother-in-law

I spoke to the salesperson who did the paperwork and coerced her to change her income amount today too.. honestly a nice kid who really only wanted to make the sale.. and he was scared when I mentioned what I knew. I told him we both know what was done here (he acknowledged) and I'm only interested...
by Saving$
Wed Jan 27, 2016 12:47 am
Forum: Personal Finance (Not Investing)
Topic: HELP!!! Employer not contributing to 401k!!!
Replies: 16
Views: 1527

Re: HELP!!! Employer not contributing to 401k!!!

First, this could be nothing more than a paperwork error. However since it has gone on so long, the issue could be loaded. Usually corrections can only be made if you contact the administrator within 90 days of receiving the quarterly statement. Depending upon your relationship with the owner and/or...
by Saving$
Wed Jan 27, 2016 12:36 am
Forum: Investing - Theory, News & General
Topic: What are the best retirement accounts for a small business owner?
Replies: 14
Views: 1215

Re: What are the best retirement accounts for a small business owner?

Most retirement plans enable you to sock away money for retirement with two advantages: 1. Defer paying current taxes (get a current tax break) 2. Defer paying taxes on the earnings Since you get a $100k tax break anyway, and earn less than that, you have no use for 1. The only advantage of which yo...
by Saving$
Tue Jan 26, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: any retirees in the Seattle area open to a couple hours of driving?
Replies: 23
Views: 2124

Re: any retirees in the Seattle area open to a couple hours of driving?

2 hours from Seattle which direction? If east, over the pass, you may be getting a vehicle similar to a rust belt vehicle. It snows quite a bit in eastern Washington.
by Saving$
Mon Jan 25, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 4874

Re: What online Email do you use

I currently use 6 email addresses through my ISP and one gmail address. I suppose I also have an iCloud address, but I don't really use it. (Apple sometimes sends messages to that account.) I use different email addresses for different "audiences." One is given only to close friends and f...
by Saving$
Mon Jan 25, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10804

Re: Do you pay for exercise?

WOW! I cannot believe how inexpensive these are. TOTALLY different story where I am. I have spent considerable time recently looking for gym or boot camp type memberships. The ones nearby with classes range from $135 - $225 month. I could drive a bit further and join the Y for $72/month for one pers...
by Saving$
Sat Jan 23, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Donating a retired computer with financial info on it
Replies: 27
Views: 2061

Donating a retired computer with financial info on it

Just got a new computer and will sell the old one. Since I kept all my financial data, including tax returns, on the hard drive, obviously I want all traces of that completely gone before the machine leaves my house. Hoping someone with more computer skills than me can confirm what I've done is suff...
by Saving$
Sun Jan 17, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3581

Re: Taxact breached as well - just saw an article in wsj

I can't read the WSJ article either, but I am wondering if it makes a difference whether you use the online version of Tax Act or the download version? In the download version you put the software on your computer, and create your own return. However, if you efile, I think that still goes through Ta...
by Saving$
Sat Jan 16, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 2481

Re: Encryption of Data

One thing you should be able to do is create a shortcut on the desktop (or wherever) so that you click on an icon, it mounts the drive, asks for the password and opens explorer pointing to someplace inside the mounted volume. Saves a few clicks and a few seconds. I have no clue on how to even begin...
by Saving$
Sat Jan 16, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 2481

Re: Encryption of Data

Thank you for the guidance. It sounds like I am better off creating several separate vaults - one each for each of the three folders in which there is a subfolder structure of sensitive data. HOWEVER, I'm wondering if I did something wrong with the way I used TrueCrypt, and would like to figure out ...
by Saving$
Sat Jan 16, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 1929

Re: improper furnace install from previous homeowner, what now?

I'll offer a fourth possibility - two versions - It was permitted, inspected, everything is fine, and the jurisdiction does not have sufficient resources to close out permits; they are mostly concerned with getting their funds and inspecting, so unless an install fails an inspection, the permit stay...
by Saving$
Sat Jan 16, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 2481

Encryption of Data

Need advice & direction from Bogleheads with better understanding of this stuff than I have. 1. Situation: New computer, Windows 10 home (so MS Bitlocker is not a free option). Need to select new encryption method /software. I'm a boglehead so I want it to be free, and the open source concept al...
by Saving$
Thu Jan 14, 2016 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Will this REALLY help my credit/FICO score?
Replies: 6
Views: 718

Re: Will this REALLY help my credit/FICO score?

No the interest is not worth any marginal bump in credit score. To have a good credit score, get a few credit cards and pay them all off each month. Now I'm going to answer a question you did not ask: What should you do with your extra $8k - pay off student loans or other? a. Do you have an emergenc...
by Saving$
Mon Jan 11, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I switch my Solo 401k back to Vanguard?
Replies: 31
Views: 1387

Re: Should I switch my Solo 401k back to Vanguard?

- and its nicer to have everything online in one interface instead of using both Vaguard and Fidelity. Your thoughts? If you want to see everything on one page, analyzed together, sign up for Fidelity's Full View. You can enter your VG accounts and see all your holdings at once, as well as your all...
by Saving$
Sun Jan 10, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 72
Views: 5474

Re: Password Management and Safekeeping

Keepass, because:
1. Open source - more people looking for errors or holes in the encryption
2. Free - I'm a boglehead
3. Works on every platform - started with Palm OS, then Win CE, then Blackberry & now Android (as well as the desktop)
by Saving$
Thu Jan 07, 2016 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo - Tough questions to ask?
Replies: 32
Views: 3799

Re: Buying a condo - Tough questions to ask?

One way to check out a condo is to see if the building units are qualified for FHA financing: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=181332 If FHA qualified it means that certain minimum standards (renter/owner ratios, insurance, etc) have been met: http://www.mtgprofessor.com/A%...
by Saving$
Sat Jan 02, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 2108

Re: Replacement air conditioner

I would look at a higher SEER, and I'd check to see if a ***smaller*** unit would work. You want the smallest unit possible, even slightly undersized. Why? Because you want it to run all the time at a low level, rather than a big unit cycling on and off. This will do a better job drying the air. A ...
by Saving$
Sat Jan 02, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help me (employer) decide if I should continue my 401K program
Replies: 8
Views: 740

Re: Help me (employer) decide if I should continue my 401K program

Yes, you should continue A 401k program, but get a lower cost plant. Employee Fiduciary will save you $1k in admin fees ($2500-$1500), $1190 in AUM = $2290, lets call it $2300 savings. There is a thread from about 4 or 5 years ago that compares a number of low cost plans. Might even be a lower cost ...
by Saving$
Mon Dec 28, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Which other 'must-read' websites and blogs do YOU read?
Replies: 42
Views: 6209

Re: Which other 'must-read' websites and blogs do YOU read?

Some of the sites already mentioned, some local real estate news, and
www.lifehacker.com
www.clarkhoward.com
by Saving$
Mon Dec 28, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 14303

Re: My estranged brother is dead, and I am next of kin

OP - It seems that this issue is weighing on you since you continue to wrestle with it. In a different situation with some similarities, I finally decided to just take control because I knew at least from that point onward things would be done properly. There were times during the process that I lea...
by Saving$
Mon Dec 28, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Checking In After Four Years
Replies: 20
Views: 5017

Re: Checking In After Four Years

1. Max out 401k 2. Move as much emergency cash as allowable to the Roth. Remember, if you need the cash for an emergency, you can withdraw your contributions to the Roth without penalty. You just can't withdraw the earnings. Think of the Roth as the place you keep part of your emergency fund if you ...
by Saving$
Sun Dec 27, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 50
Views: 2791

Re: Charitable Contribution from IRA

pshonore: I don't think you can have check writing privileges on an IRA account. Maybe someone else will comment more authoritatively........Gordon I'm surprised too, but apparently you can. See below from Vanguard and TD Ameritrade. I would guess others too. https://personal.vanguard.com/us/whatwe...
by Saving$
Sun Dec 27, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 50
Views: 2791

Re: Charitable Contribution from IRA

Thanks for the info.
I don't suppose there is any way to undo an RMD to take advantage of this in 2015?
by Saving$
Sun Dec 27, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 50
Views: 2791

Re: Charitable Contribution from IRA

Was this provision renewed for 2015? Is this route of charitable giving available for 2015?
by Saving$
Sun Dec 27, 2015 1:37 am
Forum: Personal Consumer Issues
Topic: First Time Travelling for Work- Looking for Tips/Advice/Suggestions
Replies: 39
Views: 1996

Re: First Time Travelling for Work- Looking for Tips/Advice/Suggestions

The advice you have received is great. One critical piece of advice is missing, so I hope it's not disallowed. Get on over to flyertalk.com and get an account. It is the Bogleheads.org of travel. The second is to have an exit plan - start making contacts so that when you can't travel any more, you k...
by Saving$
Sat Dec 26, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Outsourcing property management
Replies: 23
Views: 1842

Re: Outsourcing property management

Sell it. You either need to manage tenants and contractors, or you need to manage a property management company. Either way, if you don't have some knowledge of homes, you will be leaving money on the table. Property managers I have seen have a vested interest in you NOT getting long term tenants. T...
by Saving$
Thu Dec 24, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated securities in VG Brokerage Account
Replies: 13
Views: 520

Re: Donating appreciated securities in VG Brokerage Account

Not sure about mutual fund shares and if that process may be different. I'm trying to help my friend transfer shares of stock via DTC. All I know is that Fidelity is able to transfer shares of stock via fax directive and within an hour or two, so Vanguard needing a snail mailed signed original and m...
by Saving$
Thu Dec 24, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated securities in VG Brokerage Account
Replies: 13
Views: 520

Re: Donating appreciated securities in VG Brokerage Account

Too late for Vanguard for this year. Try again next year. Otherwise, sell the securities and write a check. This is unbelievable. There are 4.5 business days left in 2015. What if the signed form is overnighted to them for receipt by Monday? Does Vanguard just let the form sit around and not proces...
by Saving$
Thu Dec 24, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated securities in VG Brokerage Account
Replies: 13
Views: 520

Donating appreciated securities in VG Brokerage Account

I am trying to help a friend who owns significantly appreciated stock held in a Vanguard Brokerage account, and wishes to make a mid 4 figure donation to a 501c3. The 501c3 does not have a Vanguard account, but does have a brokerage firm that accepts transfer of ownership of shares via DTC. Vanguard...
by Saving$
Sat Dec 19, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: New I-Phone and prepay plan?
Replies: 6
Views: 877

Re: New I-Phone and prepay plan?

Furwut has a good idea, but since I want to give this as a Christmas present, I can't wait for the new 6 mini. The regular 6 would not be a welcome gift; my relative has made it clear that telephone is too large. I think as long as the 5c performs as well as or better than their current 4s, the 5c i...
by Saving$
Fri Dec 18, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: New I-Phone and prepay plan?
Replies: 6
Views: 877

New I-Phone and prepay plan?

I got a family member off the standard post-pay contracts, but my relative was reluctant to move from Verizon, so went to the Verizon $45/month prepaid. This has worked well for several years with an Iphone 4s, but it is time for a new phone. My relative would like a new Iphone, but thinks the new o...
by Saving$
Fri Dec 18, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8428

Re: dilemma over house division during legal separation

A couple in a similar situation rented a "roommate" plan apartment down the street, where each got a bedroom. Kids, who shared a room anyway, moved into the master. Each parent took a guest bedroom, and took turns staying with the kids, while the other was in the apartment down the street....
by Saving$
Fri Dec 11, 2015 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Help me pick a tax software
Replies: 6
Views: 973

Re: Help me pick a tax software

Download version of Tax Act and print and mail return.
by Saving$
Thu Dec 10, 2015 11:33 pm
Forum: Personal Consumer Issues
Topic: Water damage in apartment
Replies: 18
Views: 1967

Re: Water damage in apartment

Are you risking eviction? Possibly Are you risking subtle retaliation? Probably Things happen. Unless you notified the landlord of a potential problem that was going to cause a leak, the had no more ability to prevent this than you did. The deal you have with the landlord is for them to provide a ha...
by Saving$
Thu Nov 19, 2015 10:38 pm
Forum: Personal Consumer Issues
Topic: Roofing and Chimney flashing
Replies: 23
Views: 1845

Re: Roofing and Chimney flashing

Was not clear you had all that work done at the reroof. Politely tell the roofer that: a. With the extent of demo he did, there was very little chance of saving the existing counter flashing b. Responsible roofers do not install (base) flashing without counterflashing and it sure as h--- is his resp...
by Saving$
Mon Nov 16, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Roofing and Chimney flashing
Replies: 23
Views: 1845

Re: Roofing and Chimney flashing

The counterflashing is usually installed by the roofer, and is surface applied counter flashing. In some cases it is embedded in the masonry (in a horizontal joint) and in those cases it is installed by the mason because roofers don't do masonry. It does not need to be embedded in the masonry joint ...
by Saving$
Mon Nov 16, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Home heating issues
Replies: 53
Views: 5949

Re: Home heating issues

Do not go down the road of buying the part and having them install it. Too much can and will go wrong. You should probably expect to pay full retail for the part, plus install. The question becomes, "what is full retail." I have no HVAC license, and am completely unknown to the supply hous...
by Saving$
Sat Nov 14, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: Home heating issues
Replies: 53
Views: 5949

Re: Home heating issues

I reread your post - slab/pipes are 50 years old, but boiler is only 20 years old. I would fix the boiler. I would totally get another price. $700 is too much for a valve, and $4,500 is WAYYY too much for an 80k BTU system. I replaced a 70k btu system with major brand name furnace AND air conditione...
by Saving$
Sat Nov 14, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Home heating issues
Replies: 53
Views: 5949

Re: Home heating issues

Going into the attic is a start, but not far. If you are going to install a gas furnace, you need a real Manual J calculation to figure the load, a Manual S to size the furnace, and a Manual D calculation to know if the existing ducts will properly deliver heat for the furnace. Is your attic conditi...
by Saving$
Fri Nov 13, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 10950

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

So by your responses, you are doing the right things - lawyered up (not sure you have the correct lawyer, but...) - continue to pursue this - stop drinking - talk to someone about the personal issues - admit it on this forum and request help You need to immediately implement an austerity program, an...
by Saving$
Mon Nov 09, 2015 1:53 am
Forum: Investing - Help with Personal Investments
Topic: [How long does is take for 401K payments to show up?]
Replies: 74
Views: 8833

Re: 401K Balance is ZERO!

Hi ruralavalon, hey one question: not sure if I'm reading your advice correctly, you're suggesting, I think, to pull away from the 401 until cc deft is paid off, but you're giving me the suggested blend of my 401 options - is this after the debt - please clarify?? Thanx again!!!! I'm not ruralavalo...
by Saving$
Tue Oct 13, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: Permeable Pavers for driveway: Experience?
Replies: 5
Views: 881

Re: Permeable Pavers for driveway: Experience?

Thanks for the replies. Really interested in any maintenance costs other than standard mowing, and in personal experience on how this stuff lasts...(stays level, etc.) ... the lowest cost solution was asphalt = x, concrete= 3x, exposed agg = 3 x, pavers = 4x, permeable pavers 5x (rough # for sense o...
by Saving$
Tue Oct 13, 2015 12:30 am
Forum: Personal Consumer Issues
Topic: Permeable Pavers for driveway: Experience?
Replies: 5
Views: 881

Permeable Pavers for driveway: Experience?

Have any Bogleheads installed permeable pavers with turf for a driveway or parking pad instead of concrete or asphalt? If so, what has been your experience? - Is it cost effective in the short and/or long term; ie installation cost and long term maintenance vs same for traditional driveway? - What t...
by Saving$
Thu Oct 08, 2015 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Empower 401K
Replies: 6
Views: 502

Re: Empower 401K

I am familiar with two different 401k accounts managed by Empower. One is a former Prudential 401k and the other is a former Great West 401k. They have totally different investment options and totally different ER's and totally different fees.
by Saving$
Thu Oct 08, 2015 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Delayers may want to take SS, Medicare now
Replies: 16
Views: 2279

Re: Delayers may want to take SS, Medicare now

What is the definition of "in Medicare?" Doesn't everyone need to sign up for Medicare when they reach 65? Even if they are still working and using their employers plan as their primary coverage? Or do you mean people who have a Medicare policy? Edit - looks like it means those enrolled in...
by Saving$
Thu Oct 08, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Property Inspector questions
Replies: 13
Views: 1132

Re: Property Inspector questions

When I bought an older home, I went through the yellow pages (yes it was before the internet) and called about five firms and interviewed them. I asked what type of experience or training they had that qualified them to be an inspector, if they had any real estate agents who regularly referred them...

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