Search found 702 matches

by ejvyas
Thu Jul 14, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 116
Views: 7259

Re: What kind of car do Bogleheads like to drive?

Check out Toyota Prius
by ejvyas
Thu Jul 14, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3378

Re: Cell phone data plans

free tier of Tmobile with promotion so 2.5G + unlimited
by ejvyas
Fri May 06, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1073

Re: Dark - Side Window Deflectors for Cars

Front side window deflectors (rear seem to have problem of not sticking) Not sure what you mean here, since these actually fit into the window channel in the door frame, not "stick-on"... I understand that but it seems the rear window deflectors are difficult to install and wont stay on h...
by ejvyas
Fri May 06, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1073

Re: Dark - Side Window Deflectors for Cars

Thanks for the info

Planning to buy the following from weather tech:
Digifit front, rear and trunk mats
Head light protection
Front side window deflectors (rear seem to have problem of not sticking)
by ejvyas
Thu May 05, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1073

Dark - Side Window Deflectors for Cars

Are dark side window deflectors legal in MA? There is law against front side window tinting so I wasn't sure if it includes this. Where should I check?

http://www.weathertech.com/toyota/2010/ ... eflectors/
by ejvyas
Fri Apr 22, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

I need to file paper returns as these tax softwares dont support international address e-filing. So finally I plan to send: 1040x does need to be mailed, but turbo tax handles electronic filing of 1040 for international now. Got my refund that way so am sure it works! What international address do ...
by ejvyas
Fri Apr 22, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 2579

Re: Ghostery

I prefer https://www.ghostery.com over AdBlock Plus as ABP has bought into https://adblockplus.org/en/acceptable-ads Even though I am an expert at all this, I find Ghostery much easier to use. You can disable the acceptable ads. Also look into MOAB if you want 0 ads but it may block some legit site...
by ejvyas
Fri Apr 22, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

I need to file paper returns as these tax softwares dont support international address e-filing. So finally I plan to send: 1040x does need to be mailed, but turbo tax handles electronic filing of 1040 for international now. Got my refund that way so am sure it works! What international address do ...
by ejvyas
Fri Apr 22, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

Thanks all! LOL..I was sending everything to IRS all these years as Turbotax says it in its instructions "Be sure to attach the state copy of Form(s) W-2, W-2G, and any Form 1099 to your return." I need to file paper returns as these tax softwares dont support international address e-filin...
by ejvyas
Fri Apr 22, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

Sidney wrote:I assume you mean the 1040X. All you send is the 1040X and any schedule that has changed. In your case it is probably Schedule B.


So 2 packets:

1. 1040X, Schedule B, 1099-DIV to federal
2. MA CA-6, Schedule B, 1099-DIV to state?
by ejvyas
Fri Apr 22, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

2014 Amended Return

Turbotax did not import my 1099-DIV correctly in 2014. I realized it late. I have already received the 2014 refund. I corrected that in Turbotax and printed 1040X and MA CA-6 .However it also printed the corrected return. Totaling 70 pages! 1. Do I have to only send in 1040X to federal and CA-6 stat...
by ejvyas
Sat Apr 16, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact FinCEN Form 114
Replies: 2
Views: 294

Re: Taxact FinCEN Form 114

Does https://www.taxact.com/support/987/2015/fincen-form-114-fbar-foreign-bank-account-report-previously-form-td-f-90221/ help? Nope. This is TaxAct specific bug. I reported two in form 114. Also 1099b for espp seemed weird. The worksheet is supposed to fill out adjustments box but it didn't do tha...
by ejvyas
Sat Apr 16, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact FinCEN Form 114
Replies: 2
Views: 294

Taxact FinCEN Form 114

Anyone tried completing it on taxact? Looks like there is a problem or something is wrong on my end

1. After filling out FinCEN Form 114 - Part II - Separate Account it doesnt show up in listing "FinCEN Form 114 - Parts II-IV for ..."
2. Randomly worksheets disappear and reappear
by ejvyas
Fri Apr 15, 2016 1:01 am
Forum: Personal Finance (Not Investing)
Topic: W2 ESPPD figure
Replies: 3
Views: 285

Re: W2 ESPPD figure

My W2 includes ESPPD figure in box 14. Is that the figure I enter in Taxact as adjustment of ESPP tax basis in the textbox "Actual cost or other basis"? Hard to tell. Does that number match your own calculation? The IRS description of box 14 includes (see https://www.irs.gov/pub/irs-pdf/f...
by ejvyas
Thu Apr 14, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: W2 ESPPD figure
Replies: 3
Views: 285

W2 ESPPD figure

My W2 includes ESPPD figure in box 14. Is that the figure I enter in Taxact as adjustment of ESPP tax basis in the textbox "Actual cost or other basis"?
by ejvyas
Wed Apr 13, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Recharacterization
Replies: 8
Views: 757

Re: Roth IRA Recharacterization

Thanks to all who helped me :) I am still learning. This is what I did in 2015. I havent thought about 2016 and will wait to decide depending on MAGI my spouse account had earnings so I did recharacterize it to tIRA and I ll convert to rIRA tomorrow However, my account has ~200 loss. Is it worth re...
by ejvyas
Wed Apr 13, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Recharacterization
Replies: 8
Views: 757

Re: Roth IRA Recharacterization

Thanks to all who helped me :) I am still learning. This is what I did in 2015. I havent thought about 2016 and will wait to decide depending on MAGI my spouse account had earnings so I did recharacterize it to tIRA and I ll convert to rIRA tomorrow However, my account has ~200 loss. Is it worth rem...
by ejvyas
Tue Apr 12, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Anybody use a Motorola Moto X smartphone?
Replies: 17
Views: 1662

Re: Anybody use a Motorola Moto X smartphone?

Love the Moto X. I rooted it and installed a custom OS. Did you also consider Oneplus one? This is the first I've heard of the Oneplus one. I googled it and it looks interesting. And I read some of the Amazon reviews -- a lot of people swear by it, some seem to swear at it. :P Anyway, I'll think ab...
by ejvyas
Mon Apr 11, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Recharacterization
Replies: 8
Views: 757

Re: Roth IRA Recharacterization

You DO have to file the 2015 8606 to report the non deductible contribution. I only commented on the things that warranted comment or clarification. Most of what you posted is correct. I don't use Tax Act, but most of these programs provide a screen to use for a narrative explanatory statement. Ass...
by ejvyas
Mon Apr 11, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Recharacterization
Replies: 8
Views: 757

Re: Roth IRA Recharacterization

Looks good. All your 1099R forms will be issued in Ja, 2017, but the recharacterization 1099R will be coded to show that you recharacterized a 2015 contribution. With your 2015 return you include an explanatory statement indicating the date and amount of the Roth contribution, the date you recharac...
by ejvyas
Mon Apr 11, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Anybody use a Motorola Moto X smartphone?
Replies: 17
Views: 1662

Re: Anybody use a Motorola Moto X smartphone?

Love the Moto X. I rooted it and installed a custom OS.

Did you also consider Oneplus one?
by ejvyas
Sun Apr 10, 2016 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Recharacterization
Replies: 8
Views: 757

Roth IRA Recharacterization

I wanted to get a quick sanity check to make sure I do this right.I have read the Backdoor Roth IRA, Recharacterization of Roth IRA articles + searched the forums for this topic. Here's my story: Contributions to Roth IRA Jan 2015 - 5500 (me), 5500 (spouse) Jan 2016 - 5500 (me), 5500 (spouse) Due to...
by ejvyas
Tue Nov 03, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: Lazy portfolio - calculations
Replies: 7
Views: 934

Re: Lazy portfolio - calculations

Thank you everyone. I have simplified my calculations. So just to clarify here is my classification now: Total US Market VTSAX Vanguard Total Stock Market Index Fund Admiral Shares Dryden S&P500 FFKHX Fidelity Freedom K® 2050 Fund All-World ex-US VTIAX Vanguard Total International Stock Index Fu...
by ejvyas
Wed Oct 21, 2015 3:38 pm
Forum: Investing - Theory, News & General
Topic: Lazy portfolio - calculations
Replies: 7
Views: 934

Re: Lazy portfolio - calculations

ok so I can dissect some funds like S&P500 into US, Intl, Bonds but for REIT I just need to consider funds like VGSLX which are exclusively marked REIT
by ejvyas
Wed Oct 21, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: Lazy portfolio - calculations
Replies: 7
Views: 934

Re: Lazy portfolio - calculations

You are 103% invested... you might want to do some more digging to get better numbers. That may give you a better idea of where the real estate is being counted. And cash is cash, though bonds (fixed income) is the most logical place to categorize it if you're trying to fit the 4 categories. Hence ...
by ejvyas
Wed Oct 21, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Lazy portfolio - calculations
Replies: 7
Views: 934

Lazy portfolio - calculations

I have been a Boglehead for the last 6 yrs. One of the good things about this is I dont have to look at markets everyday or return to my calculations. But when I do look at my portfolio every few months I dont remember my calculations :oops: I was updating my spreadsheet to manage my core 4 lazy por...
by ejvyas
Fri Sep 25, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: medical billing: crime or just mistakes?
Replies: 48
Views: 5123

Re: medical billing: crime or just mistakes?

I had multiple billing issues during our pregnancy with UHC and local providers. Once I fought with the lab for more than 6 months when they tested my wife and marked her as a male which UHC gladly declined saying how & why pregnancy hormones are tested on males. More recently we have moved to B...
by ejvyas
Mon Jul 27, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: FIOS Router. Can you use your own?
Replies: 7
Views: 1494

Re: FIOS Router. Can you use your own?

Just curious, why would one want to do this? Security? Economy? other? Looks like they are charging him $9.99/month as router rental. FiOS never charged me anything for router. In fact, they asked me to keep it after the service is over and I am not using the same router with Comcast :-) So yes, yo...
by ejvyas
Mon Apr 13, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance
Replies: 12
Views: 1730

Re: Car Insurance

Since you appear to be in Massachusetts, be sure and include Commerce Insurance with the discount from AAA in your search. For our family, the cost plus AAA membership is a wash with the next cheapest--but at least we get AAA membership which can be helpful. Agree with other comments that you shoul...
by ejvyas
Mon Apr 13, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance
Replies: 12
Views: 1730

Re: Car Insurance

FuyuKei wrote:not drinking, going to church, being a flying purple people eater, etc...


Are you serious?
by ejvyas
Mon Apr 13, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: AT&T Uverse + Roku
Replies: 7
Views: 8697

Re: AT&T Uverse + Roku

DSInvestor wrote:The downside of using the roku or other streaming box while you sleep is that you're consuming internet bandwidth.


How is it a downside?

Does Uverse has data plan restriction? Roku and other streaming devices can sleep or be turned off too isnt it?
by ejvyas
Mon Apr 13, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 6547

Re: How should I name my home Wi-Fi network?

A true hacker wont care if its Virus, malware or FBI. In fact they would be more interested to crack it

Just any random name would help. I randomly log into the router to check whats connected and the traffic
by ejvyas
Wed Feb 25, 2015 12:20 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 40793

Re: What are Costco's best deals?

I dont have Costco as the wholesale quantity is too large for us and we end up wasting most of it. However, I go with my friend sometimes for 1-2 items and find people circling around the free food counters. So I conclude thats the best deal at Costco :wink:
by ejvyas
Wed Feb 25, 2015 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 284
Views: 41173

Re: Credit Card Rewards (Travel)

What is the best resource? Where do I start reading up on this?
by ejvyas
Wed Feb 25, 2015 12:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA Account Was Compromised
Replies: 8
Views: 1009

Re: HSA Account Was Compromised

Maybe file for an extension? I am sure things will be more clear by Oct
by ejvyas
Wed Feb 18, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 719

Re: CPA doing taxes for first time

Depends

They will contact you to check the return before you file
OR
They may send the completed return to you
OR
They can file return on your behalf when you authorize
by ejvyas
Sat Jan 24, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 3309

Re: Wedding Anniversary in Cape Cod

it will be 60s during the day and 45 at nights. Pretty cold for me to relax. Cape cod is a great place but you need to book soon
by ejvyas
Sat Jan 24, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 31082

Re: Netflix DVD delivery slowdown?

Cancel account and restart. They throttle heavy users
by ejvyas
Wed Dec 31, 2014 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon tax refund bonus offer
Replies: 6
Views: 2941

Re: Amazon tax refund bonus offer

I got bonus thru Amazon gift card last year when I filed TT online. I don't think it matters where you purchase TT from but things may have changed in 2015. Not sure
by ejvyas
Tue Nov 25, 2014 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 5778

Re: Strategically not paying medical bills for 90 days for a

> No one has offered 50% off Maybe if you were uninsured and billed at the "list" price this would be possible. We all know that the list prices are way more than the insurance companies have negotiated. One of the deeply unfair aspects of our health care system is that those without insu...
by ejvyas
Tue Nov 25, 2014 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 5778

Re: Strategically not paying medical bills for 90 days for a

I have received huge bills >$1000 due to my son's medical conditions and I tried my best to get a discount. Called almost 10+ times on various bill but I was unable to get any. They clearly mentioned that this is negotiated insurance rate and they can't do anything about it. The best they could do w...
by ejvyas
Sat Nov 22, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 4428

Re: Send text messages from PC to Cell Phone

To send a text message via email, you must use a SMS to email gateway. Just substitute a 10-digit cell number for ‘number’ for each carrier below: ■AT&T: number@txt.att.net ■T-Mobile: number@tmomail.net ■Verizon: number@vtext.com ■Sprint: number@messaging.sprintpcs.com or number@pm.sprint.com ■...
by ejvyas
Tue Nov 18, 2014 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 14971

Re: Health Equity HSA--New Passive Plan

Check out the wiki : http://www.bogleheads.org/wiki/Health_savings_account You may want to take a hard look at your paycheck in that case. Discuss with payroll ? Just some of the sources that seem to contradict the wiki: http://healthsavingsaccount-hsa.com/FAQ.htm "Tax9 Do HSA contributions re...
by ejvyas
Tue Nov 18, 2014 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 14971

Re: Health Equity HSA--New Passive Plan

I think it depends if your employer is offering payroll deductions and the company option. The payroll tax deduction for SS and Medicare is significant. For transferring, seems HSA bank is a decent consideration due to the brokerage availability. This is the second time I've seen someone say this, ...
by ejvyas
Thu Nov 13, 2014 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 14971

Re: Health Equity HSA--New Passive Plan

I'm also with HealthEquity and not so happy with their fund choices. I don't see anywhere on their web site where they are offering these VG funds in the future. Since they are using Schwab I wish they would just offer the brokerage option since Schwab has low fee funds. When I ask my benefits they...
by ejvyas
Thu Nov 13, 2014 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 14971

Re: Health Equity HSA--New Passive Plan

desertgoose wrote:
kafshar1 wrote:They said 10/31 got delayed to 11/12 per the email I received.


I called a while back and got the same information. Does anyone have access to the Investor Choice funds yet? I don't.


Only passive funds I see are MWLDX and APOIX and both are > .50 ER :oops: No Vanguard funds yet!
by ejvyas
Tue Nov 11, 2014 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 14971

Re: Health Equity HSA--New Passive Plan

Sorry wrong copy/paste. Did they add this???
by ejvyas
Fri Oct 31, 2014 5:27 pm
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 5083

Re: Coupons? Do you live by them?

I just go through the normal deal sites if I have time to plan for the event/trip.
by ejvyas
Thu Oct 30, 2014 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 1185

Re: Would you use TurboTax in this scenerio?

Beware - TT (onine version) has a bug in change of address - 2013 version. So many people faced it and they were unable to fix it.

I was not able to change my address in TT online version. The reps kept saying they see my new address but online and print version show the old address
by ejvyas
Thu Oct 30, 2014 11:38 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 12438

Re: Smartphone questions

This should be a poll..How are you going to compile so much of information! Smartphone and brand is something that everyone is so passionate about

Go to advanced search