Search found 1341 matches

by Saving$
Wed Feb 15, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5677

Re: Closed my Roth IRA due to political uncertainty - mistake???

Dexter It seems it would help to do some reading on account types and savings vs. investing. Think of the account types as buckets. - Regular, non tax advantaged account = White bucket - Roth IRA = Yellow bucket - Traditional IRA (tIRA) = Blue bucket - 401k = Red bucket - Roth 401k = green bucket Yo...
by Saving$
Mon Feb 13, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 13642

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)

Have you figured out what you will do to prevent her from opening credit cards, and more problematically, charge cards from online and catalog vendors? These creditors have no scruples. They will extend credit even to someone who is clearly not with it, may not even know their own SS number and whos...
by Saving$
Mon Feb 06, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3704

Re: Plumbing issue - advice sought

Process of elimination: 1. Stop using tub shower and sink for one week. Use only toilet. If leak reoccurs, problem is toilet, either at supply or wax ring. If no leak... 2. Stop using toilet and tub shower for one week. Use sink only. If leak reoccurs, problem is sink, either at supply or drain. If ...
by Saving$
Sun Feb 05, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4806

Re: Walmart.com vs. Amazon.com

My last several experiences with Amazon have been terrible. - Three separate orders for one item and I still don't have the item. They were all by 3rd party sellers. First was much smaller size than ordered, and item received was actually marked as a smaller size (website gave exact dimension option...
by Saving$
Sun Feb 05, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12375

Re: Quicken's future direction - a cause for concern

I have never had to do this. Bought a copy of Q, loaded onto my computer, connected NOTHING to Q, enter all data manually, and click Cancel on every offer to "Update Quicken" or do online backup. I do NOT have an Intuit ID. My system works for my purposes. Reading the above I'd like to up...
by Saving$
Sun Feb 05, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4725

Re: Does anybody else out there still pay for an email address?

OP: I was faced with the same situation as you: 1. Had an Earthlink account, as Earthlink bought my original dial up ISP. 2. Paid EL $5.95/m when I switched from dial up to high speed. I decided to never again link my email to my ISP. I could have gone to a paid service, but chose one of the big fre...
by Saving$
Sun Feb 05, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12375

Re: Quicken's future direction - a cause for concern

I've been using Quicken for ages....... I am distrustful of loading all my info into cyberspace. I am happy to manually enter my data... This. ....There's a further wrinkle that in recent editions of Quicken your IntuitID (soon to be QuickenID) had to be validated by logging into their website ever...
by Saving$
Sat Jan 21, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1167

Re: Strategy for keeping 401k at former employer

So, I think I am down to: 1. Are partial conversions allowed from Solo 401ks to a Roth? Or would I be required to convert the entire Solo 401k to a tIRA and then do partials from the tIRA to the Roth? If a full conversion from Solo 401k to tIRA would be required, it would preclude any future possibi...
by Saving$
Sat Jan 21, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1167

Re: Strategy for keeping 401k at former employer

Rather than using SEPP, I personally would work on getting a Roth IRA set up. Rollover the amounts you would use to qualify for ACA subsidies for by rollover from either 401k with conversion to Roth. Yes, good idea. So the first part would be the same - roll former employer 401k to tIRA. The second...
by Saving$
Fri Jan 20, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1167

Re: Strategy for keeping 401k at former employer

Not all 401k plans for non-active employees let you rollover into them. For instance, my prior employer has their 401k with Vanguard. I haven't worked their in 11 years. Their plan docs still let me rollover into that account from another 401k or rollover IRA. My current employer however, only lets...
by Saving$
Fri Jan 20, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1167

Strategy for keeping 401k at former employer

Please advise if this strategy is correct. Assumptions (are these correct?) 1. SEPP (Substantially Equal Periodic Payments) must come from an IRA, and are not allowed from Solo 401k's, and there is no way to get money out of a Solo 401k prior to age 59.5 without either paying penalties or rolling it...
by Saving$
Fri Jan 20, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 5420

Re: Medical Billing Disagreement - Stark Law

BTW- Billing it seems completely reasonable. I suppose it would have been nice for the doc to mention there would be an additional charge for it, but I think most people would assume that service wasn't free and asked about it if they were concerned about being able to afford the treatment the doct...
by Saving$
Sat Jan 14, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5403

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: 4112

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: 729

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: 868

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: 541

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: 1489

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: 541

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: 1689

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: 2018

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: 29397

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: 184
Views: 22913

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: 1038

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: 29397

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: 1821

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: 2452

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: 2022

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: 395

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: 4447

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: 879

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: 261

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: 621

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: 5990

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: 407

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: 436

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: 436

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: 861

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: 121
Views: 12941

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: 121
Views: 12941

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: 6418

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: 3435

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: 1239

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: 4336

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: 4011

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: 1614

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: 1997

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: 1589

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: 494

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...

Go to advanced search