Search found 1366 matches

by Saving$
Fri Mar 24, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 10
Views: 605

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
Replies: 39
Views: 2083

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...
by Saving$
Fri Mar 24, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 33
Views: 2290

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Hours go by and we did not hear anything so my wife called the finance guy. Turns out he was panicked, started talking about how he was worried for his job and family. This is the part that sounded fishy to me when I first read it. What reputable company will fire a employee over a $2,000 mistake.....
by Saving$
Thu Mar 23, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Do I need title insurance?
Replies: 22
Views: 1275

Re: Do I need title insurance?

People who get a mortgage are usually required by the bank to pay for "Title Insurance." That is insurance that protects the bank. T Buyers should always request that an "Owners Title Policy" be added onto the title insurance bought by the bank. The Owner's title policy protects ...
by Saving$
Thu Mar 23, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 25
Views: 1841

Re: Salary / employment verification

All adults living in the unit need to provide info. LL has no guarantee both adults will stay through the lease, and wants to make sure whoever is left there has the means to pay the rent. - Salary used to determine income. Rent should never be more than 33% of income, but may need to be much less. ...
by Saving$
Wed Mar 22, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 51
Views: 4350

Re: who should i choose to help me??

i have both a roth and a taxable brokerage at td ameritrade. i will be moving the john hancock to vanguard this week. i dont understand what you mean by "more space" also... thank you! Based on above you have: $80k in savings, $30k of which you want to keep in an emergency fund. Currently...
by Saving$
Wed Mar 22, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 3579

Re: S corp - 401K plan - profit sharing

I believe that $50M at 0.0003 is $15,000. $40 X 1,000 = $40,000 You are both business folks - what do you think about this business's profit and future if these are the only fees? Since being in business for myself I have watched for high costs on many places but have learned that too low costs are...
by Saving$
Wed Mar 22, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 3579

Re: S corp - 401K plan - profit sharing

"Guideline confirmed I cannot roll my IRA into 401k to do backdoor Roth. Other than, the potential to go bankrupt is the only negatives. But, they grew from $120k AUM id Dec2015 to over $50M now. Isn't it typical for a company not to make a profit at this stage. Does EF offer to roll over exis...
by Saving$
Tue Mar 21, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 51
Views: 4350

Re: who should i choose to help me??

2. Immediately increase your SIMPLE IRA contributions to the max you area allowed. - In regards to which fund the contributions should go into, are you allowed to invest in ANY fund Vanguard has, or is there a list of available fund? If a list of available funds, post them here. If you are allowed ...
by Saving$
Sun Mar 19, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1176

Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

Charger for my household AA & AAA batteries died, and most of the batteries are older, so I thought it would be a good opportunity to replace the setup with Li-Ion rechargeable batteries. However, the standard rechargeable household batteries and chargers all seem to be NiMH. I see a few no-name...
by Saving$
Sun Mar 19, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1089

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I use Amazon's Glacier storage for archival data using the free front end program FastGlacier. Costs me about a quarter each month for ~70GB ($0.004 per GB / month). For regularly changing data, I have a lifetime 1TB Zoolz service. They offer lifetime service for <$100 (IIRC) once in a while. The A...
by Saving$
Sun Mar 19, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 212
Views: 38731

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

Your posts states you are "in the process of reporting everything." I hope this includes reporting him to his employer, so he cannot do this to others. Do NOT assume his employer has enough checks and balances in place to prevent this. Reporting him is also vital to get this information to...
by Saving$
Sun Mar 19, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2216

Re: What is ideal master bedroom size?

Size sounds very reasonable. On the closets, instead of one 13'x6' closet, can you do two 6.5'x6' closets? That will provide more wall space, which makes the closet more useable.
by Saving$
Wed Mar 15, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 1980

Re: Costco tire - Michelin vs Bridgestone

Thanks for the Costco discount for the Bridgestones. Was planning on buying them anyway this week, so you just saved me $60!! It's worth it for me to buy from Costco as I'm spending about 1 hour /month there anyway, so I can have that coincide with an appointment to get the tires rotated. Otherwise,...
by Saving$
Wed Mar 15, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions about my Individual Account Plan
Replies: 1
Views: 186

Re: A few questions about my Individual Account Plan

A bit of googling indicates that 401a plans are, as you noted, defined contribution. But unlike a 401k that is based on elective defined contributions, the 401a plans are employer funded mandatory defined contributions. So it sounds like the information you are being given is correct. Some employers...
by Saving$
Wed Mar 15, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 9458

Re: Early Retirement - what to do about healthcare?

One of the most underrated benefits is retiree healthcare. I know of two who have taken advantage of this: - Friend and spouse who worked for fed gov for 30+ years. Retired in his late 50's. Gets to purchase group healthcare at group rates from retirement until retiree is 65. Retired fed worker is y...
by Saving$
Tue Mar 14, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for direction...two years later
Replies: 18
Views: 1791

Re: Looking for direction...two years later

1. Put the max into a Roth IRA for 2016 2. Put the max into a Roth IRA for 2017 3. Max out your 401k immediately 4. Max out your HSA, and don't use it for healthcare; use it as a "never taxed Roth" 5. Keep renting for all the reasons above 6. Start dollar cost averaging a palatable amount ...
by Saving$
Tue Mar 14, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 2795

Re: How do Bogleheads handle allowance?

I was given two dimes and a nickel on Sunday evening. I was expected to deposit one dime in the bank on the following Friday evening weekly bank visit. I was expected to put one nickel into the collection at Church on the following Sunday morning. Thus, I had to keep track of, and not spend, both th...
by Saving$
Tue Mar 14, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating asset allocation of funds available in 401k to 3 fund portfolio
Replies: 3
Views: 183

Re: Calculating asset allocation of funds available in 401k to 3 fund portfolio

Thanks. I played with this for awhile, but can't really get a good match to the Total Stock Market Fund, which shows as: 23--25--24 6----6----6 3----3----3 At 85% of the large cap NEIAX and 15% of the small cap NMSAX I get 24--26--24 4----4----3 4----4----5 Am I missing a simple way to get closer to...
by Saving$
Tue Mar 14, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating asset allocation of funds available in 401k to 3 fund portfolio
Replies: 3
Views: 183

Calculating asset allocation of funds available in 401k to 3 fund portfolio

The two lowest ER funds available in a 401k are: - Columbia Large Cap Index A; Ticker: NEIAX (ER = 0.45%) - Columbia Small Cap Index A; Ticker: NMSAX (ER = 0.45%) Is there a way to approximate the total stock market fund with some mix of these two? If so, how do I analyze this/figure it out? Are the...
by Saving$
Tue Mar 14, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 661

Re: Labcorp Bill

Years ago I also got a bill from them. Called insurance who advised they have billed well over the allowable rate, etc. etc. I sent Labcorp a letter telling them to bill the insurer. They continued to bill me. When they finally billed the insurer 2 years later, the insurer denied them for not billin...
by Saving$
Tue Mar 14, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: $44,000 for 1st Time Investor
Replies: 30
Views: 4410

Re: $44,000 for 1st Time Investor

Yes, the $18k max allowable contribution to 401k must come out of your paycheck. With most plans, you can either front load this (ie contribute almost the entire paycheck until you reach the max) or do it over the course of the year in equal deductions from your paycheck. Not sure why the TIAA rep t...
by Saving$
Tue Mar 14, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 51
Views: 4350

Re: who should i choose to help me??

i would have to up my simple ira contributions to about 20% to get to 12,500. i could do it if thats whats best.... it would just be scary to get such a low paycheck, however you are right, i have $ in my savings. yes, 50k in a roth with john hancock JALMX and yes to the stuff in tdameritrade Beth ...
by Saving$
Sun Mar 12, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 39
Views: 3898

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

You need to simplify. If you communicate with the LL leave out the long story. Issues are: 1. Tenant below smokes (does not matter what they are smoking). Smoke travels into your unit, impacting your occupancy of the unit. 2. Tenant below left car running in closed detached garage. Unwise, and possi...
by Saving$
Thu Mar 09, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 3911

Re: How Do You Share Expenses?

...Then we created a joint account where we put the same amount of money into every month. All shared expenses then came from that account. Since you're putting the same amounts in, and the account is only for shared expenses, you are always splitting those expenses 50/50. That made things a *lot* ...
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: 5830

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: 13740

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: 3741

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: 4913

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: 254
Views: 20341

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: 4948

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: 254
Views: 20341

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: 1185

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: 1185

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: 1185

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: 1185

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: 5624

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: 5635

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: 4166

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: 766

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: 884

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: 556

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: 1507

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: 556

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: 1711

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: 2104

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: 212
Views: 38731

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: 190
Views: 25269

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: 1069

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.

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