Search found 1329 matches

by Saving$
Sat Jan 14, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4420

Re: Where do you buy coffee beans?

What specific brand, bean and roast do those of you with a superautomatic use? I love dark, robust coffee, and have been very happy with the Mayorga Cafe Cubano from Costco for the last several years. However, I understand you cannot use oily beans in a superautomatic, so I'm seeking a suitable repl...
by Saving$
Tue Jan 10, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 3962

Re: Help with paying off debt

1. You stated you are most comfortable keeping most of the EF. That is reasonable. The place to keep it is in Roth IRA's. Take $11k of that EF and immediately put it in Roth IRA's for 2016 ($5500 for each of you). Once you lose your 2016 Roth IRA space, it is gone forever. Don't lose it. If you ever...
by Saving$
Mon Jan 09, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a charitable donation from an IRA regarded as taxable income?
Replies: 17
Views: 629

Re: Is a charitable donation from an IRA regarded as taxable income?

And to further clarify Even if you were 70.5 and did a QCD, it would still not be deductible as a charitable contribution. HOWEVER, it is even better than deductible. Instead of hitting your income, and then deducting the amount you donate to charity if you itemize, if you do a QCD, the amount of th...
by Saving$
Mon Jan 09, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 803

Re: Do you avoid aggregators? Best expense tracker for manual entry?

I use an old version of Quicken. I have never connected Q to do any auto downloads - I have always manually entered each transaction. I think it is safer, and it has also taught me alot about investing, and I think it subtly influences my spending. I have 25+ years of history in Q, so I am not anxio...
by Saving$
Mon Jan 09, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Roofing costs and options (flat v pitched ; solar panels)
Replies: 6
Views: 514

Re: Roofing costs and options (flat v pitched ; solar panels)

Find someone with no dog in this fight to advise you if you are not familiar with construction. Many roofing issues are related to energy issues, so often an energy consultant can be helpful. This is particularly applicable to your situation if you are considering solar. Look for a local non-profit ...
by Saving$
Mon Jan 09, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Resolved: PJW should use GnuCash in parallel with MS Money
Replies: 16
Views: 1407

Re: Resolved: PJW should use GnuCash in parallel with MS Money

I have always used GnuCash for my personal finances. I like it because it supports QIF and QFX import and because the documentation is very good. (My father complains about my inability to balance a checkbook, but I don't need to balance a checkbook because I learned double-entry book-keeping inste...
by Saving$
Mon Jan 09, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Roofing costs and options (flat v pitched ; solar panels)
Replies: 6
Views: 514

Re: Roofing costs and options (flat v pitched ; solar panels)

Flat roofs should not really be flat - they should have a slight pitch to shed water either to an edge or to a roof drain. If to a roof drain, the pitch is often accomplished via tapered insulation under the roof. Whether you should keep a "flat roof" or get a traditionally pitched 4 /12 o...
by Saving$
Mon Jan 09, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $250K (for 3 to 18 months)?
Replies: 14
Views: 1608

Re: Where to park $250K (for 3 to 18 months)?

Ally bank has an 11 month no penalty CD paying 1.25%. If it is still available it seems to be a pretty good choice. If online savings rates go higher than that -- cash it in and put it in their savings account currently paying 1%. Are you sure they still have that? https://www.ally.com/bank/no-pena...
by Saving$
Sun Jan 08, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 1850

Re: Reverting to a Wood Burning Fireplace from Gas

1. Burning wood has all sorts of associated issues - environmentally NOT good, not healthy for occupants due to indoor air pollution, messy, etc. If your goal is to get more heat, work on improving your gas fireplace. 2. Unvented gas fireplaces are now widely considered very undesirable. Many consid...
by Saving$
Sun Jan 08, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28780

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

Goal 5: Deal with the credit card debt in the manner the lawyers advise. Goal 6: When things settle down in a few weeks or months, you can decide if you want to resurrect /recreate the past. You may have enough documentation to find out really happened to your mothers assets, and if the BIL is tell...
by Saving$
Sun Jan 08, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 151
Views: 17391

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Looked all over their site and cannot find this info: What are the penalties for early withdrawal from the 84 month CD?
by Saving$
Wed Jan 04, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: What is the most inexpensive way to learn driving in Seattle?
Replies: 14
Views: 995

Re: What is the most inexpensive way to learn driving in Seattle?

NoGambleNoFuture wrote:If you're 30 and never learned to drive, why start now? Not that it's a bad idea but if you think $700 is a lot of money then you're in for a rude awakening when you purchase insurance, car, gas, maintenance, etc... so it might not even be worth your time.

+1
by Saving$
Wed Jan 04, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28780

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

OP - your questions in your post above are all good questions. May I suggest the following path? Goal 1: Get BIL off of POA for mother and concurrently get yourself or someone else on as POA or conservator. You cannot start to do any changing/revising until that is done. Give the lawyers a summary, ...
by Saving$
Tue Jan 03, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Please suggest websites/software for tracking investments, net worth, budget
Replies: 16
Views: 1695

Re: Please suggest websites/software for tracking investments, net worth, budget

Another 25+ year Quicken user here. Like someone upthread, I do not use the auto download functionality to reconcile accounts - I prefer to do it by hand. Thus, none of my functionality sunsets, so I buy a new version about every 10 years also. Quicken will allow you to track net worth, spending by ...
by Saving$
Mon Dec 26, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: DAF for church offering? [Donor Advised Fund]
Replies: 31
Views: 2339

Re: DAF for church offering?

A DAF can be valuable, but there is about a $100/year cost associated with it. It seems to offer the most value if you don't have RMD's and also don't have itemized deductions. You can donate a chunk to the DAF before you retire to take advantage of the itemized deduction. If you itemize anyway, and...
by Saving$
Wed Dec 21, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Selling a car as an executor for an estate
Replies: 29
Views: 1927

Re: Selling a car as an executor for an estate

It is, presumably, unused or little used now. It is depreciating. It is costing something to garage it. It is, presumably insured, at non-zero cost. All these suggest selling now. This. And for selling a very low mileage, but older car, try this: Decide on a price you might be happy with, or a few ...
by Saving$
Tue Dec 20, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Coffee for a Superautomatic?
Replies: 1
Views: 385

Coffee for a Superautomatic?

Several threads mention Bogleheads owning various Superautomatic coffee machines. Supposedly you cannot use oily beans in these machines as it will ruin the machine in a way you can't fix it. One place selling these thinks using a Costco medium roast is fine, another thinks any coffee roasted in lar...
by Saving$
Tue Dec 20, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 4346

Re: Giving two weeks notice around the holidays

You are going to a competitor. It is a small world, and there is a chance that in the future you will need to work with some of the same people. Also, you need to look yourself in the mirror. You likely have responsibilities at the existing company. Do what is right. Even though Friday would be the ...
by Saving$
Tue Dec 20, 2016 12:18 am
Forum: Personal Consumer Issues
Topic: Holiday gratuity for assisted living personnel?
Replies: 8
Views: 843

Re: Holiday gratuity for assisted living personnel?

Very thoughtful of you. Consider two things: 1. Does the facility allow its employees to accept tips or gratuities? If so, you are ok. If not, don't put the attendant in that position. 2. Consider a gift card instead of cash. Somehow, gift cards seem like more of a gift than cash, which might seem l...
by Saving$
Sun Dec 18, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to HSA for 2016?
Replies: 1
Views: 247

Contribute to HSA for 2016?

Please confirm that if one is covered by an HDHP eligible for an HSA for the last several months of 2016 (including on 12/1/16), and will be covered again for all of 2017, then a max/full contribution is allowed for 2016. If so, does the 2016 contribution need to be made prior to 12/31/16? If the in...
by Saving$
Sat Dec 17, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Silicone food tools/containers - Safe?
Replies: 4
Views: 594

Silicone food tools/containers - Safe?

There seem to be a plethora of kitchen tools and containers available that are made of Silicone. Supposedly, these are even safe when heated. I've done some googling, and the consensus appears to be that the way silicone is made it does not have any BPA, the item that supposedly makes plastic unsafe...
by Saving$
Sat Dec 17, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 5758

Re: Need Help: Drowning in Debt

I know I have to make a change, my current situation is not sustainable. I came across this board and have looked hard at my finances. 2016 will be my last year without a plan. The issue is I don't know where to start...So here we go... As others have already noted, path is to sell house, rent, dro...
by Saving$
Thu Dec 15, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Sound activated wall outlet controller?
Replies: 1
Views: 379

Sound activated wall outlet controller?

I'm looking for a replacement for a 20+ year old "Clapper" like device that stopped working, but I don't think the device was a real "Clapper." The broken device plugged into a wall outlet, you plugged a floor lamp into the device, and the lamp would go on if the device detected ...
by Saving$
Sun Dec 11, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Tax underwithheld - W2 Employment & Self Employment
Replies: 4
Views: 419

Re: Federal Tax underwithheld - W2 Employment & Self Employment

If I make estimated tax payments for fourth quarter only, will I still be subject to a penalty? No. If you have lumpy income, you can make lumpy tax payments. If you have a large lump of Q4 self employment income, you can make a single (timely) Q4 estimated tax payment and not owe any penalties. Th...
by Saving$
Sat Dec 10, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Tax underwithheld - W2 Employment & Self Employment
Replies: 4
Views: 419

Federal Tax underwithheld - W2 Employment & Self Employment

In past years my employers federal withholding has been sufficient to cover or get close to my federal tax liability. I do a dry run of taxes in November and sometimes bump up the withholding a bit for December paychecks. This year two sources of income changed - my W2 income decreased, so less with...
by Saving$
Sat Dec 10, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: How to store financial documents securely?
Replies: 4
Views: 803

Re: How to store financial documents securely?

Fidelity offers a free online vault cloud storage service specifically for sensitive documents. I've posted about it in the past, but did not sign up so I can't tell you if it works. A search of their site is not useful so I had to search Bogleheads to find the name of it..... https://www.fidsafe.co...
by Saving$
Sun Dec 04, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10898

Re: TaxAct pre-purchase discount



Yes. That states "early December" and downloadable. It's 12/4/16, which is early December and the thing is not yet available...
by Saving$
Sun Dec 04, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10898

Re: TaxAct pre-purchase discount

Still looking for the prelim version that has historically been available in November. When I go to the TaxAct site, it seems the prelim version is only some sort of online fill in the blank. In previous years, it was the download version, which imported the previous years data. The usefulness was I...
by Saving$
Tue Nov 29, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help sister?
Replies: 71
Views: 6300

Re: Best way to help sister?

There is some great info in this thread. It seems the mom is finished with enabling the sister to make less than optimal choices, but the OP/brother may not yet be there...Also, many people who say they are done enabling re-engage when the person "ends up in a ditch" or, due to their choic...
by Saving$
Mon Nov 28, 2016 2:19 am
Forum: Investing - Help with Personal Investments
Topic: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?
Replies: 29
Views: 3354

Re: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?

Would you mind sharing with us how you got our of the RE without paying boatloads of tax, or did you just bite the bullet and pay the depreciation recapture and the cap gains and move on? Do you have any significant 1031 positions that require you to invest in more real estate or else lose some of t...
by Saving$
Sat Nov 19, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for our basement
Replies: 19
Views: 1193

Re: Dehumidifier for our basement

I would also encourage you to buy the most efficient one you can; my power bill noticeably increases when I run the dehumidifier...
by Saving$
Sat Nov 19, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 25
Views: 4228

Re: Jack Bogle says Fidelity will be sold in 5 years...

Jack Bogle was interviewed by the Wall Street Journal a few months ago, and he predicted that Fidelity will be sold 5 years from now.... ... what would it mean if Fidelity is "sold"? It means that Vanguard has 5 years to implement improvements to their website, and to revise their Solo 40...
by Saving$
Sat Nov 12, 2016 4:01 am
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3902

Re: Drain Cleaner or Plumber for slow drains?

I have used this "Crystal Heat" product from the big box store with amazing success in a situation similar to yours Taylor.
It is easy to handle and use.

http://www.homedepot.com/p/ZEP-2-lb-Cry ... /100086662
by Saving$
Fri Nov 11, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 12
Views: 1570

Re: Any opinion on Popular Direct?

...hmmm
The same parent company has Popular Community Bank, with a 1.26% MM that is guaranteed for 6 months...pretty good deal.
by Saving$
Fri Nov 11, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 1941

Re: Help for former check to check and drowning in debt 30 yr old!

Put your $5k in a Roth. To start with since your emergency fund is so small, just put the Roth money in a high yield savings. Thanks, after googling tho it looks like a Roth is a retirement fund. Won't I get penalized if I use it in a emergency? Think of each TYPE of account as a bucket. You can pu...
by Saving$
Fri Nov 11, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Recently awakened looking for advice
Replies: 11
Views: 1546

Re: Recently awakened looking for advice

You have all your eggs in one basket, the one that has performed best over the last 10 years you say. If that basket crashes... That is one of the reasons for the 3 fund portfolio. But you need to realize that if your single basket continues to perform well, the other two may not, or even be negativ...
by Saving$
Fri Nov 11, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Free Credit Monitoring - whats the catch?
Replies: 2
Views: 472

USAA Free Credit Monitoring - whats the catch?

Logged onto my USAA account and found they are offering free credit monitoring - something called Experian CreditCheck1 "You can access your Experian® credit report, score and receive alerts to key changes for free." I also see there are two upgrade options for identity monitoring and moni...
by Saving$
Thu Nov 10, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 1941

Re: Help for former check to check and drowning in debt 30 yr old!

Put your $5k in a Roth. To start with since your emergency fund is so small, just put the Roth money in a high yield savings.
by Saving$
Wed Nov 09, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Create a rental lease
Replies: 4
Views: 361

Re: Create a rental lease

Join your local landlord association; they will likely have a standard lease form. Laws vary by state, and even by city and county. You need a lease that addresses the local laws and ordinances. Beyond the legal terms, you just need to do alot of research for the business terms. Start googling terms...
by Saving$
Wed Nov 02, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Two plumbing questions/issues
Replies: 23
Views: 2665

Re: Two plumbing questions/issues

Replace the water heater. - If you wait until it fails, you will have effort of cleanup, and possibly costs related to damage or cleanup. Further, you will be in a relative hurry to obtain a replacement, so you will get the unit that is in stock, and you will pay more for labor. - If you decide to p...
by Saving$
Wed Oct 26, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: How does this company offer free RECs for power bill?
Replies: 0
Views: 1727

How does this company offer free RECs for power bill?

On another site I read about a company that offers free REC (renewable energy certificates) on your power bill. They will offer free REC's on up to 50% of your bill. If you want REC's on 100%, you pay them. I have nothing to do with this company - it's http://www.arcadiapower.com Can anyone explain ...
by Saving$
Tue Oct 25, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11585

Re: 2017 ACA plan previews

So, are the policies available on the exchange the ONLY type available to individuals, or are there more individual policies, and possibly some PPO's, available through brokers if you don't care about subsidies? There are off exchange policies which don't offer subsidies. I have investigated these ...
by Saving$
Tue Oct 25, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11585

Re: 2017 ACA plan previews

My cost is going up significantly. But, that concerns me less than the narrowing of networks. My current plan is eliminating the three major hospitals in the state from its network. I am trying to find a high deductible plan that has an excellent network. Easier said than done. Number of plans in m...
by Saving$
Mon Oct 24, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Purchase - Radon mitigation
Replies: 19
Views: 1385

Re: Condo Purchase - Radon mitigation

Radon comes from the ground. Unless you are on the lowest level, it is unlikely the radon is still ground source.

Test the granite kitchen countertops. Those are often the culprit.

Most residential condo buildings have minimal fresh air ventilation system. And they are hardly ever adjustable.
by Saving$
Fri Oct 21, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5000

Re: Microsoft Office

Thank you for the replies. After some research based on the replies... Mattshwink: Yes, Office365 is the online version, but it says "Now includes Office 2016 apps for your PC and Mac." Seems to imply it includes the standalone Outlook program for Windows PC. How is this any different tha...
by Saving$
Fri Oct 21, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5000

Re: Microsoft Office

Thank you for the replies. After some research based on the replies... JDot: The free version is online only, and does not include Outlook. They have an online app called Mail, but it is apparently not possible to save your Mail database as a separate file, so no go. Earl: Yes, there are eml to pst ...
by Saving$
Fri Oct 21, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5000

Re: Microsoft Office

Unless you just absolutely must have the Microsoft product, you might give LibreOffice a try. It comes with the same basic applications as MS Office (word processor, spreadsheet, presentation, database connectivity) and is free. Functionality is pretty close to the MS product, as is the UI, so you ...
by Saving$
Thu Oct 20, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5000

Re: Microsoft Office

When your Office 365 sub expires it will go into reduced functionality mode. I think you can open but not edit documents. What part reduces functionality - the web Office 365, or the locally installed Outlook 2016? Local Outlook can connect to any email provider, Microsoft or not. It too will no lo...
by Saving$
Thu Oct 20, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5000

Microsoft Office

MS Office seems to have all sorts of versions these days. Can someone please clarify: I can "subscribe" to Office 365 for one year for one computer for $69.95 (lower via some deals). I can also go to the local store and buy Office 365 in a box. Either one includes software for one of my co...

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