Search found 1425 matches

by Saving$
Sun Jun 18, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6166

Re: So sick of it! [Paying off student loans]

Mathematically, paying off does not make sense. However, if it bothers you: 1. Beef up emergency fund to 2 years living expenses. 2. Use balance of extra cash to pay student loans off early, including temporarily suspending $30k /year towards investment in taxable account 3. Go outside and play with...
by Saving$
Sat Jun 17, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1429

Re: Deck needs replaced, what should I get?

Get another estimate or two from competing contractors...
by Saving$
Sat Jun 17, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 563

Re: Paying for item on EBay - problem

I just figured something out. The credit card on my ebay account, that I have not updated since 2006, was my old Costco Amex. I looked up my email confirmation from my last ebay purchase in February. That also states "Paid with Credit Card." And I looked on my new Costco Visa - sure enough...
by Saving$
Sat Jun 17, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 563

Re: Paying for item on EBay - problem

If I were you, I would do this: 1) Withdraw your entire account balance 2) Add the credit card you want to use 3) Complete the purchase and MAKE SURE the CC is listed when making payment. Based on the fact that you already did this, click on the transaction and look for something like this: "P...
by Saving$
Sat Jun 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 563

Paying for item on EBay - problem

I have both an Ebay and PayPal account, both of which I rarely use. For context, the credit card associated with both of them expired in 2006, and is a card I no longer have. Tonight I found a part a group I am a part of needs on ebay, and clicked to buy it. My intent was to buy it with the group's ...
by Saving$
Thu Jun 15, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 31
Views: 3929

Re: Contractor took deposit but never did any work. What next?

Does your state have contractor licensing? If so, check to see if he is licensed. Many states with contractor licensing require the contractors to carry general bonds associated with their license to protect from issues such as you describe. If you decide to go after his license and /or bond, do not...
by Saving$
Thu Jun 15, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1382

Re: To buy or not to buy and move?

Move closer to your son, unless you have other family where you live now. In addition to the obvious reasons everyone has given 1. You will develop a much different relationship with your grandson being a few minutes away than being a few hours away 2. If something were to happen to either of you, i...
by Saving$
Thu Jun 15, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 961

Re: Finishing Basement - financing?

I would look at opening a Pro account. At least at Lowe's you can structure this to get about a 5% discount.
by Saving$
Tue Jun 13, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2744

Re: Password Managers

Keepass
Free
Works on any platform (windows, Android, Apple) and synchs between them.
Have been using it for over 10 years
by Saving$
Wed May 31, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5806

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

I learned about Daily Money Managers on another BH thread. http://www.aadmm.com/ I remember looking up how much they earn, thinking it might be a nice part time retirement job, and thinking it was probably not worth it. That leads me to believe it is also probably affordable. Of course there is NO a...
by Saving$
Wed May 24, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 21
Views: 2031

Re: advice on hvac replacement decision

Option 2. For the reasons stated above. Also if the refrigerant is R22 it will become increasingly expensive. They can recover it, clean the lineset, and use your existing lineset for a new compressor and coils. The issue will be if the old lineset is the correct size (for smaller systems I'm told t...
by Saving$
Sun May 21, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on new home construction - end of year or begin of next year?
Replies: 2
Views: 374

Re: Closing on new home construction - end of year or begin of next year?

In my area, property taxes are based on the value of the property on Jan 1. If the property receives a certificate of occupancy in December, it will be assessed at it's full completed value on Jan 1. However, if it does not yet have a certificate of occupancy on Jan 1, it's value is the value for th...
by Saving$
Wed May 17, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1665

Re: Keep paying for AC refrigerant when tech cannot find a leak

For 2 consecutive seasons now I've needed refrigerant added to my home AC system at my annual inspection. Each time I've had a different technician check my system for leaks and tell me that he could not find any. Both times I was told that the leak must be so small that their detector cannot pick ...
by Saving$
Thu May 11, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Should I switch my home electric bill to "Time of Day" billing?
Replies: 22
Views: 2003

Re: Should I switch my home electric bill to "Time of Day" billing?

My utility offered this rate and I signed up. After 3 months or so I compared my bills because they were so high. What I learned is that because my usage if very low, I had a very low constant rate. When I switched to "Time of Day" billing, I lost my low constant rate, so the net effect wa...
by Saving$
Wed May 10, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 8132

Re: Tesla Solar Roof

I just received two very close estimates for a new roof, so thought I would compare. 1. The Tesla calculator is accurate to within 1% of my own measured take off of total roof square footage 2. Tesla's assumptions for how much electricity I use annually were almost double what I actually use, but yo...
by Saving$
Wed May 10, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford to Move-In
Replies: 28
Views: 2646

Re: Can We Afford to Move-In

OK, so between the two of you, you make $126k/year. Partner has job that does not offer health insurance or 401k, so let's assume his job pays less. So partner makes about $40k/year, and you make about $86k/year? 1. $86k/year still seems low for a full time engineering job, but if they allow you to ...
by Saving$
Mon May 08, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 22
Views: 2578

Re: Considering buying a new cell phone- ideas?

This is the Axon 7 Mini version (5.2" screen) https://www.amazon.com/gp/product/B01LY5VWJK/ref=ox_sc_act_title_1?ie=UTF8&psc=1&smid=ATVPDKIKX0DER&tag=tbdirect-20&ascsubtag=f61e1c5b-ff9a-4fd9-a70e-4bf35785cdeb Pretty good price. This phone has an appealing size and price, but it...
by Saving$
Mon May 08, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term [Care] Rates just went Through the roof!
Replies: 34
Views: 4843

Re: Long Term Rates just with Through the roof!

Look to see if your LTC policy allows you to stop paying but credit the premiums you have paid to date towards your care. Some allow that.
by Saving$
Sun May 07, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3773

Re: Job Decision

Take the offer and keep looking for a new job. This +1 It's harder to get hired when you're unemployed Take the offer and get serious about the job-search. Don't just look locally, look nationally. And good luck from a fellow immigrant :thumbsup This x 1000. It sounds like they really want you. You...
by Saving$
Sun May 07, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2425

Re: HOA & renting rules

In my area, it constitutes sharing if you are regularly sharing a portion of the house. People usually share the garage and the laundry area. As long as the extra people in the house are not causing a disturbance, and generally have off street parking, this SHOULD not be a problem. I know perfectly ...
by Saving$
Wed May 03, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4923

Re: My dad needs my help.

I'm a bit surprised paying off the mortgage has not gotten more traction in the responses. I would recommend: 1. Pay off the mortgage. This will reduce his monthly cash outflow by $1200, so instead of having to withdraw to cover the shortfall, he will have extra money left over from his SS. Hopefull...
by Saving$
Mon May 01, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance advice
Replies: 10
Views: 800

Re: Refinance advice

FHA does NOT allow homeowners to use a new appraisal to determine whether your loan is at 78% LTV (loan-to-value). The 78% LTV is based on the lesser of the purchase price, or its original appraised value when you purchased the home. So if the loan balance goes to 78% of either the original purchas...
by Saving$
Mon May 01, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: How to hold cash at Fidelity
Replies: 13
Views: 1939

Re: How to hold cash at Fidelity

When I go to my Fidelity account and click on the "Cash" button, it offers the option to "Change Core Position." It says my current position is FCASH with current rate of 0.01% (and explained in this post: https://www.bogleheads.org/forum/viewtopic.php?t=25060 ) so I want to move...
by Saving$
Sat Apr 29, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to hold cash at Fidelity
Replies: 13
Views: 1939

How to hold cash at Fidelity

If you were going to hold some cash at Fidelity, what would be the best fund in which to do so?

There are plenty of 1% or so savings accounts, but Fidelity does not seem to have anything similar.
by Saving$
Wed Apr 26, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 1767

Re: Hourly rate for carpenter?

Carpenter is a wide ranging term. Framing carpenter for a deck? $15-$25 Handyman carpenter for misc work? $25-$40 Finish carpenter for custom cabinetry? $40-$60 Also depends upon if the carpenter is working with you and you are doing the directing & thinking, and supplying the materials & to...
by Saving$
Wed Apr 26, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 994

Re: Purchase new, but older model cell phone - Best method?

The Moto G5 shares the same form factor as the SG5, but will be much more powerful, have a warranty, and the latest software. All for $229 from amazon. Keep in mind that, inexplicably, the new Moto, at least it US version, lacks NFC. It has caused me, a loyal Moto G user (the original and the 3) to...
by Saving$
Tue Apr 25, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 994

Re: Purchase new, but older model cell phone - Best method?

eBay? http://www.ebay.com/itm/New-Overstock-Verizon-Samsung-Galaxy-S5-SM-G900V-Charcoal-Black-Smartphone-/391737155484?hash=item5b355a9f9c:g:-IUAAOSwLEtYkjwT I searched on "new verizon samsung s5" and quite a few good options came up. The one downside of buying an S5 is you are likely stu...
by Saving$
Tue Apr 25, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 994

Purchase new, but older model cell phone - Best method?

What is the best method to purchase an older model cell phone and get the best combination of new or slightly used and best warranty? Are there specific online sellers whose warranty is better than others? Is a third party warranty even an option if it is not new and is so, are they worth it? The Sa...
by Saving$
Sat Apr 22, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Aftermarket batteries for cordless tools?
Replies: 10
Views: 1191

Aftermarket batteries for cordless tools?

Have any Bogleheads tried aftermarket non OEM batteries for cordless tools, and if so, what is your experience? Are they as reliable as the OEM? Are they properly labeled (ie 4.0 amp is really 4.0, and not an overpriced 2.5 amp), are they safe, do they last as long? The most expensive part of the co...
by Saving$
Fri Apr 21, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18810

Re: TaxAct pre-purchase discount

If $40 is the pre-order price for the "Plus" edition I'll definitely be moving on. I don't see any particular value at that price point. Agreed. To make it worse, if you need a Schedule C, your price goes from $40 to $55. And those are the "discounted" costs if you preorder. Per...
by Saving$
Fri Apr 21, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18810

Re: TaxAct pre-purchase discount

I agree the pricing games are disappointing, but where do you get that they are eliminating preview versions? I see this for 2016, with no mention of eliminating it: https://www.taxact.com/support/50/2016/release-date-of-preview-and-final-version This says 2017 will be available January 2018: https...
by Saving$
Thu Apr 20, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18810

Re: TaxAct pre-purchase discount

These pricing shenanigans are ridiculous. A three page thread to figure out the price of a product. This is worse than a used car. From 2003 until this past year they offered a great product at a fair price, so I did not bother to shop the competition. But two fundamental things changed: - Pricing s...
by Saving$
Mon Apr 17, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 7311

Re: Physician using Turbotax, owing 30K so far already...

Re: your question on backdoor Roth. You don't need to do the entire backdoor Roth before tomorrow. You just need to deposit $5500 into a Traditional IRA account for you and for your wife. It will NOT be deductible, so it will be an after tax contribution in which you will have basis. Turbo Tax will ...
by Saving$
Mon Apr 17, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3651

Re: New HVAC - Assessing Quotes?

A 32 year old system is probably not operating at capacity, so comparison is not relevant. 4 tons for 2300 sf sounds a bit on the high side. In regards to cost, what is the scope - replace only the inside & outside units? Replace the lineset? Replace duct or reconfigure duct or do nothing to duc...
by Saving$
Sat Apr 15, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2563

Re: New Home - Design Center Options - making smart choices

No reason to install "cable" outlets. If your house has an unfinished basement, just run some smurf tube from the box to the basement. Co-axial is on it's way out. Don't prewire for speakers. Add electrical outlets instead. Laminate in a bath as a standard in a $500k house is outrageous. I...
by Saving$
Tue Apr 11, 2017 2:28 am
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2135

Re: Cordless Vacuum Cleaners

Had two or three Eureka stick vac for years - when the batteries would die, it was cheaper to buy a new one than a new battery. They worked well, the beater bar worked, and you hung the thing in the wall mount and it charged. When the last Eureka died, I replaced it with a Black & Decker to get ...
by Saving$
Fri Apr 07, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: New heat pump - decision time (Central FL) [thanks for referrals]
Replies: 33
Views: 1867

Re: New heat pump - decision time (Central FL) [thanks for referrals]

this is easy. Option 3. If the tonnage is too much, you will be cold & humid and not comfortable. It is highly unlikely your current unit is undersized. Far more likely it is oversized and you only need 3 tons...but I'm not there and they are. The higher SEER will be more efficient. Even if it w...
by Saving$
Fri Apr 07, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2716

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees? No Is the service EXACTLY like going through Verizon? Yes** I If so, what would be the reason to pay more by going direct through Verizon? VOLTE?(Ability to use data and talk on phone at same time)? Boom is supposed to be getting thi...
by Saving$
Fri Apr 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2716

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees? No Is the service EXACTLY like going through Verizon? Yes** I If so, what would be the reason to pay more by going direct through Verizon? VOLTE?(Ability to use data and talk on phone at same time)? Boom is supposed to be getting thi...
by Saving$
Fri Apr 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2716

Re: Anyone use Verizon wireless prepaid for cell phones???

I use Verizon prepaid. Originally I was on their standard unlimited data plan for $120/mo then switched to the prepaid plan for $45, and then bumped up to $50 for 5 GB with rollover data, which has grown to around 10 GB over the past few months. The coverage area is very good. The only gripe I have...
by Saving$
Wed Apr 05, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Home renovation advice - General and Atlanta specific
Replies: 18
Views: 1114

Re: Home renovation advice - General and Atlanta specific

So, if your parents did not own this house, and you needed to find housing, would you be inclined to: a) Look for a place in that neighborhood b) Look for the type of place it is now, or the type of place it will be after the remodel Answer the above for both now and in the future (married maybe wit...
by Saving$
Mon Apr 03, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2249

Re: Google Voice as secondary number: pros & cons

A nice feature of Google voice that I haven't seen mentioned is that I get a type of call screening when calls to that number ring my cell phone. When I answer, the robot says "Call from..." and then I hear the person's recorded name. I can then accept or reject the call. It's great. This...
by Saving$
Sun Apr 02, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5017

Re: Is Craigslist still the main site to sell stuff locally?

mags wrote:I've used "offer up" app and website.

Can you post things directly from the website? If so, how? They make it look like downloading the app is required...
by Saving$
Sun Apr 02, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2249

Google Voice as secondary number: pros & cons

An older friend on a budget asked me about replacing their secondary ring master type line, associated with their landline that costs about $10-$12/month extra. I'd like to suggest Google Voice (and perhaps do some implementation of GV for myself also, once I learn more about it) My friend does not ...
by Saving$
Fri Mar 31, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5017

Re: Is Craigslist still the main site to sell stuff locally?

I'm getting ready to relocate so I'm selling as much of my non-sentimental stuff as I can. I get about as many responses from craigslist and OfferUp. LetGo not so much and 5Miles has been nothing but scammers. Nextdoor said I would be the first person to sign up in my area, so no help there. I thin...
by Saving$
Fri Mar 31, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5017

Re: Is Craigslist still the main site to sell stuff locally?

Do you use USPS or other? I quote in the ad the most expensive rate to ship which in my area is USPS on most things. When sold, I then take it down to a package shipping store that can ship is via USPS, FedEx or UPS. They box it up and it gets shipped the cheapest way at the time. How do you get th...
by Saving$
Fri Mar 31, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5017

Re: Is Craigslist still the main site to sell stuff locally?

are you trying to get a "fair" price for stuff, or get rid of things with enough of a price to make it worth your while? I am in the latter category and use craigslist and ebay successfully to get some degree of money back for things I no longer care about (the rest goes to trash or goodw...

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