Search found 221 matches

by caseynshan
Thu Mar 15, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 23
Views: 2003

Re: Backpacking in Guatemala and El Salvador?

also, please do a write up when you get back and post (or PM me.)

especially if you are surfing El Salvador.
by caseynshan
Thu Mar 15, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 23
Views: 2003

Re: Backpacking in Guatemala and El Salvador?

- I consider traveling in places like this to be a Social Good.. Probably on par with taking a 'service trip'. Unless you spend a ton on flights, and stay in US Hotels etc.. a thriving tourist economy can have multiple order positive effects. - Yes it is dangerous the moment you get in a car or van....
by caseynshan
Fri Jan 26, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 28
Views: 1985

Re: Tax Software Recommendations

TaxCut doesn't do well with State Specific Items. I've been stuck in an endless loop w/ H&R for several years, and they just don't get it. Calls to their helpdesk are not helpful. Not exactly a basic thing, but their service is frustrating. If you make an enterprise zone contribution and get a tax c...
by caseynshan
Mon Jan 22, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5225

Re: Pros and Cons of High Rise Condos for retired couple

I"m a big fan of high rise. My parents move into a high rise from large house.. biggest benefit is maintenance... no need to mow, deal w/ roof repairs, blow out sprinklers, shovel sidewalks, also forced them to downsize stuff, and maintenance of their 'stuff' was taking more time than they would adm...
by caseynshan
Fri Dec 22, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash out my whole life insurance
Replies: 9
Views: 581

Re: Should I cash out my whole life

caseynshan wrote:
Fri Dec 22, 2017 4:06 pm
GeraniumLover wrote:
Fri Dec 22, 2017 1:52 pm
I was worried the subject of this thread was about considering suicide :oops:
ooops... sorry.. i added 'insurance' so I hope its more clear.
by caseynshan
Fri Dec 22, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash out my whole life insurance
Replies: 9
Views: 581

Re: Should I cash out my whole life

GeraniumLover wrote:
Fri Dec 22, 2017 1:52 pm
I was worried the subject of this thread was about considering suicide :oops:
ooops... sorry
by caseynshan
Fri Dec 22, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash out my whole life insurance
Replies: 9
Views: 581

Re: Should I cash out my whole life

Nate79 wrote:
Fri Dec 22, 2017 1:34 pm
Get proper amounts of term in place then cancel. The only people who recommend this crap is insurance salesman and people who don't know any better.
When you say 'proper amounts of term'.. I thought that meant what I get if I die...
by caseynshan
Fri Dec 22, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash out my whole life insurance
Replies: 9
Views: 581

Should I cash out my whole life insurance

Bought by my parents a long time ago. From American General.. small policy, so I don't know much about.. When I called they said : Death Benefit : $2500 Cash Now : $4700. On document I received it says 'Total Dividents to Date: $2791' If I die, I don't want my wife to have to mess with a bunch of pa...
by caseynshan
Wed Dec 20, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin -> Donor Advised Fund... avoid gains??
Replies: 3
Views: 355

Re: Bitcoin -> Donor Advised Fund... avoid gains??

See IRS guidance: https://www.irs.gov/newsroom/irs-virtual-currency-guidance Thanks, that article didn't help me.. (Not because it was bad, just I didn't get it.) But this indicates yes. https://www.fidelitycharitable.org/giving-account/what-you-can-donate/donating-bitcoin-to-charity.shtml and I ha...
by caseynshan
Wed Dec 20, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin -> Donor Advised Fund... avoid gains??
Replies: 3
Views: 355

Bitcoin -> Donor Advised Fund... avoid gains??

I find this hard to believe.. I thought bitcoin gains were income not Capital Gains. I have some appreciated bitcoin (In coinbase account) I called Schwab Donor advised fund, said I could direct that to my Donor Advised Fund, that I'm getting ready to open and I would not have to pay gains.. Does th...
by caseynshan
Wed Dec 20, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54095

Re: Tax Bill Omnibus Thread

My personal situation/Strategy Feel free to add constructive criticism.. might help someone else.. State Tax - 9k Prop Tax - 3k subtotal 12k (will be limited to 10k in 2018) Mort Interest - 6k charity -15k --------- Total deductions 2017 - 33k Total deductions 2018 - 31k 2018 - 31k more than 24k st...
by caseynshan
Wed Dec 20, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54095

Re: Tax Bill Omnibus Thread

My personal situation/Strategy Feel free to add constructive criticism.. might help someone else.. State Tax - 9k Prop Tax - 3k subtotal 12k (will be limited to 10k in 2018) Mort Interest - 6k charity -15k --------- Total deductions 2017 - 33k Total deductions 2018 - 31k 2018 - 31k more than 24k sta...
by caseynshan
Wed Dec 20, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-planning - What to pay in '17 before it's too late?
Replies: 33
Views: 2014

Re: Tax-planning - What to pay in '17 before it's too late?

My personal situation/Strategy Feel free to add constructive criticism.. might help someone else.. State Tax - 9k Prop Tax - 3k subtotal 12k (will be limited to 10k in 2018) Mort Interest - 6k charity -15k --------- Total deductions 2017 - 33k Total deductions 2018 - 31k 2018 - 31k more than 24k sta...
by caseynshan
Fri Dec 08, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Saving for College right before and while student in college..
Replies: 2
Views: 261

Saving for College right before and while student in college..

I have two daughters who are close to college age. Assumptions : I plan on paying a significant portion of their college and they will likely go to expensive schools. (Let's live with this assumption and not discuss it) I have some savings in 529 and Education IRA, and decent amount in Roth that I w...
by caseynshan
Thu Nov 09, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 34
Views: 4179

Re: Cabo San Lucas - question

whale watching, deep sea fishing (can be combined), big sandy beaches, but most places the water is not... but there plenty of drivable/taxiable beaches that are friendly. in San Lucas there are boat tours. most of the snorkeling is slightly advanced for than for a 6/8 year old probabaly but probabl...
by caseynshan
Tue Aug 15, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

I'm interested in making my child pay for part of college, for various reasons.... I don't really want to debate reasons.. really looking for ideas/hints on viability.... Set aside financial issues for a moment. Isn't the point of college to further one's overall education and help start a career? ...
by caseynshan
Tue Aug 15, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

OP, can you tell us what state you are in? I think that will help tailor the discussion. Colorado, but both kids are looking primarily out of state. I did underestimate in-state tuition somewhat... (i realized i was merging 3 schools, but one has no campus housing so that estimate excluded housing)...
by caseynshan
Tue Aug 15, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

Just to be clear, federal loans do not require a cosigner and are not dischargeable through bankruptcy. A family member has around $200k of these loans and no cosigner. Grad school/professional school? You can't borrow that much money for undergrad. Or has this been compounding for a couple of deca...
by caseynshan
Tue Aug 15, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

This may be getting off topic, the original poster said that he or she was willing to to pay 100% of a non-flagship state University and then possibly some more in addition to that. That is fantastic and a lot more than most students get. When we were going through this one of the most important th...
by caseynshan
Mon Aug 14, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

Thanks for reminding me about thinking about non-college costs.. (car/insurance/outside food etc..)
by caseynshan
Mon Aug 14, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

This is our plan. Fund 100% of tuition and books at a local community college for 2 years. Fund 100% of tuition and books at a university for years 3-4. If our daughter wants to start in a 4-year university, we would only pay the cost of a CC for the first 2 years. If she wants to live in a dorm or...
by caseynshan
Mon Aug 14, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Re: Plan for making child pay for part of college

As far as the above - is that per year or total? If it's total, please tell me what school costs $60K for 4 years of college? Why "instate non-flagship" as opposed to instate state flagship? # 1 - Yes, Per year. # 2 - Even if student decides to go to school in-state I would like for them to have a ...
by caseynshan
Mon Aug 14, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7185

Plan for making child pay for part of college

I'm interested in making my child pay for part of college, for various reasons. My current plan. Pay 100% up to 15k (just under cost of instate-non flagship school.. I could easily be talked into 20k) Pay 50% beyond that. Child responsible for the other 50%.. Scholarships count towards their 50% Any...
by caseynshan
Wed Jul 12, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1786

Re: Healthy smoothie ideas

I make them in bulk and freeze 10 at a time in mugs.. and defrost at the office.. don't over warm or they consistency gets funky Recipe..ish.. 1-2 cups milk sometimes yogurt 4 scoops protein powder 3-4 tablespoons Olive Oil 1 banana 2 cups frozen fruit (usually mixed berries and peaches) slightly de...
by caseynshan
Fri May 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Yellowstone Itinerary
Replies: 31
Views: 2338

Re: Yellowstone Itinerary

If you want to go see wildlife in Lamar Valley, you have a MUCH better chance if you are there around sunrise or sunset. (although wolves are still rare) If you are wanting to go from Mammoth to Lamar to West Yellowstone that will be tough unless you are really good at getting out of hotel early.. m...
by caseynshan
Mon Apr 10, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 3531

Re: Cold weather family summer vacation ideas

Antigua Guatemala isn't as cool, but cooller than you think in summer partially due to altitude, and very fun.. we usually are wearing light jackets at night. New Zealand/Australia, probably requires 2 weeks, but is cool. (South island colder than North in summer) We did a camper van on North Island...
by caseynshan
Thu Mar 02, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 12341

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

For letting the kids wander on own.. I'd suggest Lucca or Venice.
Lucca is nice as it has a smaller city center that is separate from the rest of city, and has easy day trip train access to Florence and Pisa.
by caseynshan
Mon Jan 09, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 2583

Re: Ways to charge money on Credit Card

I group my charitable giving for this.. don't give for 2 or 3 months and then give a larger amount for Credit Card mins.
by caseynshan
Sat Dec 24, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9654

Re: Hard Endeavor/Exercise in Middle Age

Cycling is definitely something I've thought about and may get into. The price, for even middle of the pack road bikes has scared me off though. May change at some point. Never really considered tennis, but may give that a chance as well. Cycling, there are few things sweeter than passing a guy on ...
by caseynshan
Mon Dec 19, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9654

Re: Hard Endeavor/Exercise in Middle Age

Hockey : no. I tried taking up hockey at about 35.. I pretty much failed.. my back couldn't take it.. There were 3 types of players on all the teams in the level 1 league I played. Guys 18-25 hadn't played much and played super physical. Lots of rough contact, Guys 30+ mostly played when they were k...
by caseynshan
Tue Oct 25, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 2438

Dental 'Discount Plans' for uninsured

MIL has no dental insurance. (Medicare HMO plan for health) She needs some dental work done. I'm looking at something like this Dental Discount Plan for her. Looks like you still pay 100%, but you pay 100% of the insurance negotiated rate, which is often 50% of cash rate. ( I already called our dent...
by caseynshan
Fri Aug 12, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4460

Re: What does the BH community do with their pets when they travel?

For us this has made a HUGE difference.
We still have to have someone come by, but much less often.

SureFlap Microchip Pet Door
Animal can only leave at certain times of the day, but can always get in.
Only the animal you want can get in.

https://www.amazon.com/gp/product/B009NH6NR0
by caseynshan
Fri Apr 29, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1682

Re: Chase Sapphire Question

The bonus is a true "bonus" - on top of whatever points you earn. Don't forget about the 5k bonus for adding an authorized user. You might want to avoid this.. If you want your spouse to get the 50k by getting their own card, as the sapphire now has some pretty hard limits about getting new account...
by caseynshan
Mon Apr 18, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6437

Re: Passport photo DIY - anyone done it easily?

Recently tried passport photo apps, But the pictures kept getting slightly colored backgrounds.. I gave up and went to walgreens.. was about $7
by caseynshan
Mon Apr 04, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: travel health insurance with major health issues
Replies: 12
Views: 1574

Re: travel health insurance with major health issues

I organized a trip for some friends 2 years ago, one had a significant procedure 3 months before travel. I looked at about 20 insurances, I immediately found that about 15 wouldn't cover for various reasons. I ended up calling the other 5, I had two scenarios that I thought would be the most likely ...
by caseynshan
Fri Apr 01, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6405

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by caseynshan
Fri Apr 01, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6405

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by caseynshan
Mon Jan 25, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?
Replies: 28
Views: 4129

Re: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?

We really liked the HR-V, but ultimately decided against it as it is it's first year, and I was advised by car folks smarter than me, to never buy a car in it's first year. (We ended up w/ the Subaru Legacy Sedan, which is longer than I anticipated.) I agree AWD over winter tires in your situation, ...
by caseynshan
Fri Dec 18, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Subtle Economics for Teen
Replies: 23
Views: 2049

Re: Subtle Economics for Teen

Does a teen that has no knowledge of what an interest rate have any hope of following this storyline..?
by caseynshan
Thu Dec 17, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Subtle Economics for Teen
Replies: 23
Views: 2049

Subtle Economics for Teen

My 9th grade kid will be taking an ECON class next semester.. any recommendations on movies that has subtle economic theories for us to watch over Christmas Break..
by caseynshan
Mon Nov 02, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 82
Views: 7581

Re: Protein Bars and Smoothies

I make my own smoothies and then freeze coffee mugs of them.. .. i can make 5-10 at a time that way, and then defrost at work my approx recipe for about 5 3 cups of protein powder about two cups of milk cup of juice 2-3 cups of frozen fruit, slightly defrosted.. primarily berries and peaches.. banan...
by caseynshan
Fri Oct 23, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: Laptop recommendations for elementary kids
Replies: 24
Views: 2156

Re: Laptop recommendations for elementary kids

My kids schools have moved to using google accounts and chromebooks for everything so that's what we did.
plus their cheap, and less prone to breaking.. (no moving discs/smaller)
by caseynshan
Sun Oct 18, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: Doctors without borders ..........
Replies: 43
Views: 5248

Re: Doctors without borders ..........

FYI.
I think GiveWell.org is significantly better than Charity Navigator.

They rate Doctors Without Borders very good.... (but not in their top 5)


http://www.givewell.org/international/c ... ut-borders
by caseynshan
Thu Sep 24, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

clydewolf wrote:
caseynshan wrote:
pretty much already phased out of chilcare tax credit,
The dependent care tax credit is never phased out because of income.
Ooops meant the plain child credit, not child care.
by caseynshan
Thu Sep 24, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

Very unclear what you're asking here regarding marginal tax rate. First, are you two individuals or are you married filing jointly? Second, are you trying to figure out marginal tax rate as it pertains to earned income or other income (such as dividends)? Third, what's the breakdown of Person 2's i...
by caseynshan
Thu Sep 24, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

No HSA - approx 3000 in Health Insurance premiums
by caseynshan
Thu Sep 24, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

livesoft wrote:TaxCaster says your federal marginal rate is 25% if you put $18K each into your 401(k)s.
I think I am more focused on the FICA issue than the Income Tax issue.

25% vs 28% is not near as significant as 15.3% vs 2.9%
by caseynshan
Thu Sep 24, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

livesoft wrote:, but you can use the online free TaxCaster as well for good estimates. If you don't measure it, you cannot improve on it.
agreed, want to understand.. hence this post.. but it doesn't look like taxcaster includes FICA, which is significant.
by caseynshan
Thu Sep 24, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1470

Re: Marginal Tax Rate

Globalviewer58 wrote:Filing status of Persons 1 + 2 is needed to determine marginal tax rate.
Married Filing Jointly.