Search found 1414 matches

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: 336

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: 1533

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: 1922

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: 7701

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: 2532

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: 2485

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: 4666

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: 3576

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: 2263

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: 4677

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: 751

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: 1802

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: 1802

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: 1685

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: 930

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: 930

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: 930

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: 1134

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: 18190

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: 18190

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: 18190

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: 7132

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: 3522

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: 2472

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: 2075

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: 1773

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: 2538

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: 2538

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: 2538

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: 1075

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: 2116

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: 4817

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: 2116

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: 4817

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: 4817

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: 4817

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...
by Saving$
Fri Mar 31, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4817

Is Craigslist still the main site to sell stuff locally?

Is Craigslist still the main site to sell stuff locally? I know Facebook has some of this functionality, but I'm not on or willing to join FB. Also, nextdoor.com seems popular, but that seems like an inefficient way to sell things, since your ad broadcasts to a very small group compared to Craigslis...
by Saving$
Tue Mar 28, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it
Replies: 22
Views: 2285

Re: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it

Sounds like you need a tax attorney to help straighten it out if you have escalated at fidelity to no avail. You might try contacting some senior executives at fidelity. http://www.bloomberg.com/research/stocks/private/people.asp?privcapId=163894 This. But keep your letter VERY simple. State only -...
by Saving$
Mon Mar 27, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Furnishing Apartment for Work - Tax Implications
Replies: 17
Views: 1418

Re: Furnishing Apartment for Work - Tax Implications

Employer probably thinks allowing employee to select furnishings to their liking will make employee more comfortable/happier at out of town assignment, but needs to stay within a budget, so decided to give employee an "allowance." Employee is worried about tax impact of allowance, impact o...
by Saving$
Sun Mar 26, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 378

Re: HSA & Form 8889 Responses

Last-month rule. Under the last-month rule, if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers), you are considered an eligible individual for the entire year. You are treated as having the same HDHP coverage for the entire year as y...
by Saving$
Sun Mar 26, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 378

Re: HSA & Form 8889 Responses

If you were not in an HDHP for all of 2016, then you cannot deduct the max. If you changed plans midyear, you need to do the pro-rata calculation. Simply enrolling on 12/1/16 does not mean you can max out the HSA. Actually, yes, you can. If you are enrolled in the last month of the year you can tak...
by Saving$
Sun Mar 26, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7397

Re: Massive Student Loan Debt - Girlfriend

How many years of service does she already have?
How are the current payments structured - is the debt decreasing, staying the same, or increasing?
by Saving$
Sun Mar 26, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Form 8889 Responses
Replies: 7
Views: 378

HSA & Form 8889 Responses

Based on other posts here and elsewhere, it is my understanding one can contribute the max annual allowable amount to an HSA for tax year 2016, as long as one was covered by an HSA qualified HDHP on 12/1/16. Somehow, having an HSA qualified HDHP on 12/1/16, even if you had a different plan for up to...
by Saving$
Sat Mar 25, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing HDHP Versus Plan with No Premiums
Replies: 22
Views: 1430

Re: Choosing HDHP Versus Plan with No Premiums

Does your state have any income tax? If so, add that to the 25% federal. Do you have any other situations that make it beneficial to reduce your income, and if so, does the HSA give you enough of a reduction? Examples would be reaching the income threshold that bars you from deducting rental income ...
by Saving$
Sat Mar 25, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Choosing HDHP Versus Plan with No Premiums
Replies: 22
Views: 1430

Re: Choosing HDHP Versus Plan with No Premiums

If your company plan cost $65/m per person ($780/year), and they contribute $1100/year per person to an HSA, you absolutely should at least invoke it as secondary insurance. Otherwise you are leaving money on the table. I'm not familiar enough with insurance, but assume that as the employee, you wou...
by Saving$
Fri Mar 24, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2538

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

Does Boom Mobile charge any roaming fees, or other types of fees?
Is the service EXACTLY like going through Verizon? If so, what would be the reason to pay more by going direct through Verizon?
by Saving$
Fri Mar 24, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 3936

Re: Dizzying Medicare options

We need a Bogleheads for Medicare. (This thread helps, but still). I have had to help two individuals navigate this system over the years. - First one had traditional coverage, multiple medical providers and in his 80's. The older he got, the more medical care he got, so the more incorrect medical b...

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