Search found 190 matches

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: 3192

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: 1480

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 n...
by caseynshan
Mon Apr 18, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 3379

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: 1216

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: 4924

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: 4924

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: 2960

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: 1755

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: 1755

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: 61
Views: 3817

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: 1607

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: 4680

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: 1183

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: 1183

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: 1183

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: 1183

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: 1183

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: 1183

Re: Marginal Tax Rate

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

Married Filing Jointly.
by caseynshan
Thu Sep 24, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1183

Marginal Tax Rate

learned a lot from thread earlier in week - https://www.bogleheads.org/forum/viewtopic.php?f=2&t=174183 So different situation. Person 1 - earns 95k Person 2 - earns 130k about 30k in 401ks, 30k in deductions, 15k in exemptions. So total Taxable income = $155k pretty much already phased out of c...
by caseynshan
Tue Sep 22, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

Thanks everyone, definitely learned a bit.
by caseynshan
Mon Sep 21, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

Is there a tax chart that combines Income Taxes with Social Security / Medicaid? I think a big clue to casey's question is right here. When I first read this, I thought what does this have to do with the questions being asked? But I've been participating in another thread about SS and graphing the ...
by caseynshan
Mon Sep 21, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

Y 39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60% I still disagree, If I'm wrong, someone feel free to explain it. if you are at 39.6 you are way over FICA phase of 118K so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state No. FICA is per person. So spouse's e...
by caseynshan
Mon Sep 21, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

Y 39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60% I still disagree, If I'm wrong, someone feel free to explain it. if you are at 39.6 you are way over FICA phase of 118K so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state No. FICA is per person. So spouse's e...
by caseynshan
Mon Sep 21, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

jane1 wrote:Y
39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60%



I still disagree, If I'm wrong, someone feel free to explain it.

if you are at 39.6 you are way over FICA phase of 118K

so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state
by caseynshan
Mon Sep 21, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

52.6% = 28 (Fed) + 15.3 (both sides of payroll taxes) + 9.3 (state) . Colorado so only 4.63% state.. but the 15.3 goes down to 2.9 over 118... right? so your marginal rate for 115 k marginal rate = 28+15.3+4.63 = 48% 120 k marginal rate= 28 + 2.9 +4.63 = 35.5% http://www.accountingcoach.com/blog/wh...
by caseynshan
Mon Sep 21, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

Two married people making $100k each will be in the 28% federal bracket (on $200k less deductions), plus 15.3% FICA which is already 42%. State tax could easily add another 5-10% marginal. In NY, marginal state tax for this couple is 6.65% and city is another 3.65% for a total of 10.3%; for Califor...
by caseynshan
Mon Sep 21, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Re: Total Tax Rate Chart

not a chart, but a calculator...
http://us.icalculator.info/

I can't even get over 40%
by caseynshan
Mon Sep 21, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 2980

Total Tax Rate Chart

Is there a tax chart that combines Income Taxes with Social Security / Medicaid? I have a friend who is trying to convince me that their marginal tax rate (next dollar) is WELL over 50% because of self employment tax. But that doesn't make sense to me, since they would be well over 115k to do get a ...
by caseynshan
Wed Sep 09, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids pay for their own activities...
Replies: 21
Views: 2450

How much do kids pay for their own activities...

Our kids (12 & 14 )get a decent allowance and earn a little money (primarily dog walking and babysitting) They both participate in activities that have ongoing and equipment costs. (Violin and Rock Climbing) We, the parents, are currently paying all costs (approx $100-$200 month each), but think...
by caseynshan
Tue Aug 25, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: BackDoor Roth questions - Coverdell
Replies: 1
Views: 213

BackDoor Roth questions - Coverdell

Based on my new bad 401k and the advice here, I'm researching utilizing a backdoor roth. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=172411&newpost=2600526 Question 1 : I have coverdell educations savings IRAs for my kids, they don't mess with the 'pro-rata' rule correct.. Question ...
by caseynshan
Mon Aug 24, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Fees
Replies: 3
Views: 333

401k Fees

So my small company is switching to a new HR Provider, and thus 401k (Transamerica) Here are the fees I've uncovered so far... Not surprisingly, the Transamerica employees claim to not know about these other than # 1 and # 3 Fees: # 1 – Plan Fee - $144 per year. # 2 – Contract Asset Charge - .46% # ...
by caseynshan
Tue Aug 11, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Flex Spending, need to spend money, can I buy medicine and donate?
Replies: 11
Views: 1220

Re: Flex Spending, need to spend money, can I buy medicine and donate?

Looks like no. http://www.payflex.com/forms/p502.pdf Whose Medical Expenses Can You Include? You can generally include medical expenses you pay for yourself, as well as those you pay for someone who was your spouse or your dependent either when the services were provided or when you paid for them. T...
by caseynshan
Tue Aug 11, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Flex Spending, need to spend money, can I buy medicine and donate?
Replies: 11
Views: 1220

Flex Spending, need to spend money, can I buy medicine and donate?

I have to use a bunch of Flex Spending money in the next week, (complicated last minute switch of hr providers for small company)

I know of a non-profit that needs medicine.

Can I buy a bunch of medicine and donate it, or does the flex spending rules stipulate I have to use it for my family?
by caseynshan
Mon Aug 10, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: 70 year old boiler for radiant heating. Upgrade or keep it running?
Replies: 14
Views: 1167

Re: 70 year old boiler for radiant heating. Upgrade or keep it running?

miles monroe wrote:no one is gonna buy your house when the time comes to sell.


I don't think this statement is accurate. It depends on the neighborhood. We have original 95 year old boiler in our house. It was 80 years old when we bought.
by caseynshan
Mon Jul 27, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 2568

Re: Zions, Bryce, Grand Canyon Late March

Did similar two years ago (same time of year), and my kids liked it so much we went back next year. Highlights were zion canyoneering trip w/ guide and zion narrows hike (with dry suits), both were well beyond their limits, which normally would backfire, but these were unique enough they wanted to d...
by caseynshan
Wed Jul 22, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 54
Views: 6035

Re: How to get a job as a software developer?

Hi yellowgirl. Software developer here. I do not have a CS degree. (I got IS masters) You are doing great don't give up. One other thing that could be a hindrance. (I'm not saying it is right, but I think it is realistically going to be a possible negative in some interviews)... is if your English i...
by caseynshan
Thu Jul 09, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 94
Views: 13241

Re: The cost of walking el Camino de Santiago

Thank you so much for sharing
by caseynshan
Wed Jul 08, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2946

Re: Is it a good idea to travel to Western Europe with kids?

Yes, My kids have traveled extensively since they were young. We rent apartments (via VRBO/AirBnb ) and try to spend time w/ locals (or other travelers from different areas) whenever possible. I think it has given them a much better worldview. They can appreciate some of the amazing things in the US...
by caseynshan
Mon Jun 29, 2015 11:23 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 5529

Re: Travel to Greece

Thanks for the hints. I'm not to concerned about a complete collapse. I've been wanting to visit, and I think 2016 will likely be cheaper than early 2015 was. (Especially for more local places.) I always book local apartments instead of hotels. Will evaluate taking in Euros as the trip gets closer. ...
by caseynshan
Mon Jun 29, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 25
Views: 1806

Re: Travel to Greece

Thanks for the suggestions.

Yes, we spent 3 days in Athens a few years back and we enjoyed it, but will probably skip.
I don't see any crazy financial reasons to skip the trip to the islands, thanks for the input.
by caseynshan
Sat Jun 27, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 5529

Re: Travel to Greece

Because I will be booking my flights next week. (Frequent Flyer nerd)
by caseynshan
Sat Jun 27, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 5529

Travel to Greece

Planing vacation for summer 2016 It sounds like it is likely (no one knows the future for sure) to be a good time to travel to Greece Assuming Greece leaves the Euro a dollar should go much farther than it does today. I don't think the touristy things.. (will spend 90% of time on islands) will be si...
by caseynshan
Mon Feb 23, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1867

Re: Cross Country Ski Gear Tips/Destinations

If you are wanting to try backcountry, go to a resort and try Tele first. better to get the feel for the turn with hard boots and strong edges... fyi it is much harder on the quads, than typical cross country Sounds like you mostly classic, but if skate at all, see if there is a local biathlon club,...
by caseynshan
Tue Nov 25, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 3406

Re: Experiences using VRBO, Airbnb internationally

Used airbnb in europe and asia at least 10 times. always positive. Sometimes, getting checked in is a little more complicated. (Had to wait 45 mins in venice for someone with key) pictures are sometimes prettier than actual rental. All things that occur with hotels also. Always have phone numbers (a...
by caseynshan
Tue Sep 16, 2014 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 27
Views: 3354

Re: Vacation Home

I think you might be overestimating the income (in my opinion - airbnb is driving down rental rates) and tax advantages.. as stated above.. you have to prorate based on usage above 14 days http://www.irs.gov/publications/p527/ch05.html also, i believe you can't take a tax loss if income above 150k.....
by caseynshan
Fri Jul 11, 2014 8:22 am
Forum: Personal Consumer Issues
Topic: Purchasing 4 Snorkel Sets- kids still growing
Replies: 7
Views: 993

Purchasing 4 Snorkel Sets- kids still growing

Go snorkeling about once a year. We have rented before but i am considering buying, as it looks like it might be a bit of a hassle on next trip. 2 kids are 11 and 13 and are still growing a bit.. (so i hate to spend a ton on them) Wife needs prescription googles. Everyone always recommends going to ...
by caseynshan
Mon Jun 09, 2014 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Working for startup for Options
Replies: 4
Views: 697

Working for startup for Options

I have a friend who is quitting his job to try to launch a startup. He is a sharp guy, who works hard, and I've seen him be reasonably successful at a couple of small buisnesses. I am a programmer, and he is looking for me to do some work on his project. (probably less than 20%, 5-10 hours a week) H...
by caseynshan
Wed May 14, 2014 9:52 am
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 5793

Re: Grand Canyon

I've done extended visits and quickie ones. Here's my $0.02: 1. Busiest month is October. (As was confirmed during last year's govt. shutdown where State of Arizona offered to fund GCNP by itself so as not to lose the toursit dollars.) Parking can be an issue at peak times. Not according to officia...
by caseynshan
Thu Apr 17, 2014 9:41 am
Forum: Personal Consumer Issues
Topic: Map pinning
Replies: 7
Views: 632

Re: Map pinning

You can also do this via excel->csv and ESRI ArcGIS Online.. but if you are a Google Docs user.. then that is an easier interface.

casey

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