Search found 86 matches

by fh2000
Thu Dec 07, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 12
Views: 1666

Re: TurboTax Deluxe Online for 2017

According to TT web site, if you go to the ask questions part, it leads you to the info that all download/CD versions handle all forms. There is a list for each version, and Deluxe has all I need, including A,B,C,D and more. This is exactly what I mentioned: The ONLINE version is different from the...
by fh2000
Wed Dec 06, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 149
Views: 8309

Re: Do people still use AAA?

Few months ago, I got stranded on the highway. Called Chase road side assistance. They got my info and hand it off to tow truck provider. Waited for 2 hours and when I called back, the service was cancelled without any explanation. Chase gave the "there's nothing we can do" reply and I was fuming. ...
by fh2000
Sat Nov 18, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15319

Re: MoviePass-Too good to be true, but it's legit.

malabargold wrote:
Fri Nov 17, 2017 6:23 pm
I re-signed for the $6.99/month plan myself -

But we plan to see a lot of movies in the next 2 months
because the glide path does not look encouraging
So, if I want to go to movies with my wife, we both have to sign up for our own account?
by fh2000
Fri Nov 10, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5270

Re: Out of network care

This is a great thread for me to understand Kaiser's HMO model. I am in Southern California and am close to a Kaiser hospital. I am thinking about early retirement next year. I will have 3-4 years before medicare. My choice of healthcare in our area is limited thru ACA. Kaiser is one option for me. ...
by fh2000
Sat Sep 16, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17223

Re: Who has needed to use their umbrella insurance?

I have auto, home, and umbrella all covered by the same insurance company. I have not used my umbrella, and hope I don't have to use it. I have 2 young drivers on my policies. One of my adult children is now away from home without a car. I am thinking of dropping the child from family group auto ins...
by fh2000
Mon Sep 11, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA and 401K after intern job
Replies: 1
Views: 198

Roth IRA and 401K after intern job

My son earned $9000 thru his summer intern job. Company also allow interns to contribute to 401K. He put in about $2000 into it. Each year, I also helped my kids with their Roth IRA and put in the full $5,500 into their Roth IRA. Since there is a 401K involved this year. How much Roth IRA can I help...
by fh2000
Sat Sep 09, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Costco executive members now earn 2% on travel
Replies: 7
Views: 1182

Re: Costco executive members now earn 2% on travel

Costco Visa cardholders earn 3% on travel charges. The 2% executive rebate on travel is an "and" independent of any CC rewards. You can use whichever card you want to pay for the travel: costco visa, chase sapphire reserve (also 3%) or other. The 2% is additional as an annual reward if you're an ex...
by fh2000
Wed Sep 06, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5947

Re: What is the main purpose of holding your current job?

FinanceGeek wrote:
Wed Sep 06, 2017 9:37 am
1.5 --> it provides access to large group health insurance, with a much better provider network than I could get (at any price) with individual HI
+1 Same here.
by fh2000
Fri May 26, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420938

Re: What's Your Credit Card Rewards Strategy?

I downloaded her credit report from annualcreditreport.com, and see those accounts. No other suspicious accounts open. Another thing, YOU should not be downloading her credit report from annualcreditreport.com. She should be doing this. It is technically fraud for you to access your spouse's credit...
by fh2000
Fri May 26, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420938

Re: What's Your Credit Card Rewards Strategy?

I opened the below 4 in the last 6 months: Chase Sapphire Reserve Chase Southwest Plus Chase Southwest Premier Chase Sapphire Preferred My wife opened the below 2 in the last 6 months: Chase Sapphire Reserve Chase IHG Rewards She has a Chase Amazon card and that was opened more than 2 years ago. Wh...
by fh2000
Fri May 26, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420938

Re: What's Your Credit Card Rewards Strategy?

I opened the below 4 in the last 6 months: Chase Sapphire Reserve Chase Southwest Plus Chase Southwest Premier Chase Sapphire Preferred My wife opened the below 2 in the last 6 months: Chase Sapphire Reserve Chase IHG Rewards She has a Chase Amazon card and that was opened more than 2 years ago. Whe...
by fh2000
Thu Apr 13, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 2234

Re: Working without an office - Strategy

Our local mall has climate control, free parking, free wi-fi, and open till 9PM. There are plenty of chairs and some corners are very quiet.
by fh2000
Wed Apr 12, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Severance
Replies: 16
Views: 2034

Re: Severance

My experience with outplacement service is that they show you how to prepare your resume and how to conduct interview. I never used these services when I was in your situation. Are you asking if you can receive cash for this service instead of meeting with their consultant to prepare your resume? Do...
by fh2000
Tue Apr 11, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 3371

Re: Honda Pilot good 1st vehicle for teen?

I drive a 2006 Honda Pilot. It is not a small car. I would trade-in the Pilot to get DW a new car. Buy a smaller 2nd hand car for your 16 year old son.
by fh2000
Sun Feb 05, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve vs. preferred after 1st yr
Replies: 7
Views: 1311

Re: Chase sapphire reserve vs. preferred after 1st yr

From ThePointsGuy's point of view, CSR appears to be superior. when looking at the benefits regarding Roadside assistance: Chase Sapphire Reserve: Rental Car Incurance Primary; provides reimbursement up to $75,000 for theft and collision Roadside Assitance Coverage up to $50 per incident 4 times a y...
by fh2000
Fri Oct 21, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32818

Re: Chase Sapphire Reserve

My credit is frozen in all 3 bureaus.

To apply for this card, I will need to unfreeze first. Do I inform all 3 or does anyone know which bureau Chase is exclusively using?
by fh2000
Thu Oct 20, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Got Chase sapphire reserve credit card. Can I close C S preferred
Replies: 16
Views: 2499

Re: Got Chase sapphire reserve credit card. Can I close C S preferred

My recommendation would be to not close it, but convert it to either the Chase Freedom (1% cash back on all purchase, and 5% on rotating categories) or the Chase Freesom Unlimted (1.5% cash back on all purchases). Both cards have no yearly fees. I personally have both. I called chase and easily con...
by fh2000
Wed Jul 13, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Will/Trust for immigrant family with small children
Replies: 6
Views: 505

Re: Will/Trust for immigrant family with small children

If their countries have large enough immigrant population in California, they normally have newspapers, yellow pages, and TVs in their own language serving new immigrants. Local law firms that tailored to new immigrants will have ads on those media. So, look into those and find one from there.
by fh2000
Sun Jul 10, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 6107

Re: Work or stay at home mom or change careers

My wife and I are older, nearing retirement now. We managed to raise 2 kids with 2 income the whole time. We each acted as backup during the time of no-income and insurance for one of us. Between the 2 of us, we had 6 lay-offs during our IT careers so having one spouse at home would be very difficul...
by fh2000
Wed Jul 06, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 153
Views: 37189

Re: Experience with Honda airbag recall?

My 2006 Honda Pilot driver side airbag recall was done last year. Today, I got a letter of recall for my passenger side airbag. I called the dealer and they said they will call me close to the end of August when they receive the parts. No mention of rental in the letter, nor from the dealer.
by fh2000
Wed Jul 06, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance for new driver (teenager)
Replies: 22
Views: 1656

Re: Car insurance for new driver (teenager)

The college student being >100 miles from home that people keep mentioning means >100 away from home at school WITHOUT a vehicle. Different insurance companies have different policies with this. When we were with Farmers, we have to call them each time when kids come home during break, and the summ...
by fh2000
Sun Jun 05, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Sole beneficiary as executor?
Replies: 26
Views: 3342

Re: Sole beneficiary as executor?

If the vast majority of your assets transfer to beneficiaries directly, then your Probate Estate may be small enough to qualify for a greatly simplified Probate Process in your State. Doug Not to hi-jack a thread. I have a simple question in my mind regarding to this. I am in California. If most of...
by fh2000
Mon May 23, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: I just shorted the S&P, now what do I do?
Replies: 61
Views: 7738

Re: I just shorted the S&P, now what do I do?

If OP is telling us the truth, he shorted S&P by buying 10 contracts of put. So, he actually have a long position. Each contract is now $9.35 * 100 (multiplier). 10 contracts would be $9,350. If this position expired worthless (when S&P stays above 2010), OP will lose $9,350. Puts are insura...
by fh2000
Thu May 05, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Gift stock to charity. No cost base data.
Replies: 10
Views: 815

Gift stock to charity. No cost base data.

I have a stock that I own for a long time. It has gone thru splits, reverse splits, spin-off, and merger. I am not able to track down the actual cost base anymore if I sell it today. There is capital gain, and I just don't want to use $0 as my cost base, and claim the full amount as capital gain. Th...
by fh2000
Wed Apr 27, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 3204

Re: Should a 60 yr old buy her first house?

If you never owned a home, I would not buy at the age of 60. The learning curve of owning a home is very steep and expensive. Too many things could go wrong at the house. It took me many years to build up a list of trusted plumber, gardener, Umbrella insurer, home owner insurer, HomeDepot location, ...
by fh2000
Tue Feb 02, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: 401k - Highly Compensated Employee?
Replies: 27
Views: 5753

Re: 401k - Highly Compensated Employee?

This happened to my wife. When she was in accounting department, she was deemed highly compensated, and caped her 401K percentage. After she transferred to IT, she received pay raise, and was also removed her highly compensated status, and has been able to contribute the full amount. It appears that...
by fh2000
Tue Jan 12, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 607
Views: 162565

Re: Share your networth progression

I am 60. DW is 54 1/2. We are both IT professionals. We began our career in US later in life. 1st M: took us 19 years to achieve that. Our pay was low. We bought a house, raised 2 kids. So did not save much. 2nd M: took 4 more years. 3rd M: took 3 more years. The last 6-7 years of bull market certai...
by fh2000
Sat Jan 02, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 5327

Re: Price to replace the catalytic converters in a Toyota Highlander

Toyotas go almost forever. Notice what they drive around the hellish terrain in Afghanistan? I would reset the light and keep driving until you actually notice an issue. Also, I suspect the gas cap issue already mentioned could be the cause. My wife has been driving her Toyota (07 Rav) for five yea...
by fh2000
Thu Dec 24, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: [Interested in driving,] Any Uber drivers here?
Replies: 32
Views: 4108

Re: Any Uber drivers here?

Uber drivers that I used are all very polite. I can sense their job opportunities are limited somewhat. One driver was a doctor from a different country, but in US, he had to put food on the table doing whatever he can. Uber is one of the sure ways to get him situated, so he is doing it. I tipped hi...
by fh2000
Wed Aug 12, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: umbrella coverage premiums
Replies: 34
Views: 4113

Re: umbrella coverage premiums

Gemini wrote:I just received quotes from GEICO.

1mil - 463
2mil - 764
3mil - 1112

Are these reasonable?


I am in California. Two cars with 2 young drivers. My quotes are higher than yours.
So, it depends on where you are, and how many cars/drivers you have.
by fh2000
Sat May 16, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 22007

Re: How much does social security factor into your retirement income?

I am 59, and plan to leave w*rk anytime now. I ran some numbers in FireCal.
If I am not counting SS, we can have 100% success rate for 25 years. If both of us start taking SS at 70, we will get more than 35 years. So, SS to us, is our longevity insurance
by fh2000
Wed Apr 08, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 6967

Re: Tree roots growing into sewer lines

I used to call the plummer every year to snake out my drain line due to the same roots problem. Each time it would cost me $100-120 dollars. I finally bought a 50' Compact Electric Drain Cleaner from Harbor Freight for $200 during their black Friday sale: m It is quite easy to operate. No more worry...
by fh2000
Sun Apr 05, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Planning for career change and big drop in income
Replies: 14
Views: 2839

Re: Planning for career change and big drop in income

If you switch and your combined income reduced to $130K, you will not be able to afford your current spending pattern ($110k). You should find a way to reduce that first before you switch.
by fh2000
Fri Apr 03, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Need advice for 20yr taking over stocks-only custodial acct
Replies: 16
Views: 1775

Re: Need advice for 20yr taking over stocks-only custodial a

I have 2 kids in California college and both have Schwab custodial accounts. I use Turbotax and file individual tax returns for both of them. I also claim both dependency on my own return. We do not qualify for education credits and they do not have financial aids. I did some practice runs in the pa...
by fh2000
Thu Mar 26, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Great ESPP not for "ME"?
Replies: 20
Views: 2704

Re: Great ESPP not for "ME"?

I have participated ESPP for 3 companies that I worked for. One eventually went down to next to $0. But 2 took off quite a bit after years of continue purchasing. So, I tend to look at this as investment decision, rather than tax decision. The gain that I accumulated more than pay off the tax benefi...
by fh2000
Tue Mar 03, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 6899

Re: Tourists in Manhattan

Time Square
Central Park
China Town --- Wall street to touch that bull (just me)
by fh2000
Fri Feb 13, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA & Income/Asset Levels That Don't Receive College Aid?
Replies: 4
Views: 523

Re: UTMA & Income/Asset Levels That Don't Receive College Ai

We have a newborn and I'm thinking of opening an UTMA for gifts of cash from the grandparents. I'm estimating these gifts will amount to around $1,000 or more per year. I've read that an UTMA will negatively impact aid received for college. However, I'm not able to find out who qualifies for aid ba...
by fh2000
Fri Feb 13, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: RSU Understanding question
Replies: 8
Views: 876

Re: RSU Understanding question

The only thing I would add is that some companies "sell" some of your shares at vesting to cover your tax (basically equivalent to withholding). So in your example, when shares worth 10,000 are vested, you may only receive shares worth 7,000 because 3,000 have been used to pay the income ...
by fh2000
Thu Feb 12, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to report gains from incentive stock options?
Replies: 1
Views: 368

Re: Do I need to report gains from incentive stock options?

How did you acquire these options? Your subject line says incentive stock options, so it indicates that these are granted by the company, but they normally do not grant after you left the company. Or, did you purchase these call options from an online broker, such as TDAmeritrade, or InteractiveBrok...
by fh2000
Thu Feb 12, 2015 4:17 am
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 9337

Re: College savings costs / number

Our 2 kids are in one of the Univ of Cali schools. We saved $250,000. UC cost is about $31,000 a year. So, the savings are just enough to pay for both of them. If they want to go to graduate school, they will have to figure out on their own.
by fh2000
Mon Feb 02, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 11676

Re: Joining the free dinner circuit? Promises, promises.

They think they are the irresistible force. You think you are the immovable object. You can't both be right. This has nothing to do with OP, but this reminds me of the term, 'contradiction' in Chinese which is a combination of 2 words: 'spear' and 'shield'. The story goes that a merchant yells to s...
by fh2000
Wed Jan 28, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bring USD to Louisiana USA from Philippines
Replies: 19
Views: 2473

Re: Bring USD to Louisiana USA from Philippines

potenza wrote:Does anyone have a lead / link where I can learn more on how FATCA will affect my Philippine funds once I become a resident or eventually, a citizen? Thanks again!



If you do a Google search for "FATCA", you will get a lot of information. Here is one:
http://www.forbes.com/sites/robertwood/ ... worldwide/
by fh2000
Wed Jan 28, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bring USD to Louisiana USA from Philippines
Replies: 19
Views: 2473

Re: Bring USD to Louisiana USA from Philippines

I do not know how to transfer money from foreign country to US. But, I routinely wire transfer money from my US account to a foreign country to my relatives where I came from. I pay a free to my local bank to do that: $25-$35. I make sure I do not exceed $14,000 annual gift tax upper limit. I also m...
by fh2000
Mon Jan 26, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3961

Re: Do Bogleheads' Children Qualify For Need Based College A

I filed once, but I think our income alone disqualified our 2 kids. So, I stopped. Both have enough in their UTMA accounts to pay for 4 years. My cost base for their 2 accounts were roughly 1/2, so I thank the market that subsidized our college cost.
by fh2000
Sun Jan 25, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 9515

Re: Success stories of NOT buying more/too much house

We are happy in our current home but I actively am trying to fight lifestyle creep. Sq footage is fine for current house with 2 kids and we have done nice reno to the house. Would ideally like more land but the houses we are looking at would be 2-3x the cost of our current house (which we can affor...
by fh2000
Sun Jan 25, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 20
Views: 4454

Re: How much umbrella insurance do I need?

There are many protected and non protected classes of assets, which vary from state to state. Typical protected classes include social security, disability, welfare, unemployment, your primary residence, 401(k)s, pensions, and HSAs. There is state to state variability on whole or variable universal...
by fh2000
Mon Dec 29, 2014 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I declare foreign salary to avoid double taxation?
Replies: 16
Views: 2650

Re: Should I declare foreign salary to avoid double taxation

Does your spouse work and have income? I am not an expert, but according to this piece from Tubotax, you do not need to file if your income does not exceed standard deduction ($12,400) plus one exemption ($3,950). m If you file Married Filing Jointly, you do not need to file if your combined income ...
by fh2000
Thu Dec 25, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a pay cut for a career change
Replies: 19
Views: 3736

Re: Considering a pay cut for a career change

After a decent amount of effort, I have landed an equity research job and I am about to finish the MBA soon. Happy Holidays! Sounds like you have a great potential in this new job area. Maybe you can combine your software development skills in the new job, that might be even better. If I was in you...
by fh2000
Wed Dec 10, 2014 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plans - What are your thoughts?
Replies: 23
Views: 2198

Re: Employee Stock Purchase Plans - What are your thoughts?

I would only do it for 15% discount. There is too much fluctuation in the stock price and you may be in a loss by the time ready to be issued the stock. There is too much tax calculation head-ache that I would not do it for just 5% discount.
by fh2000
Wed Dec 10, 2014 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Leaving my job. Moving to Shanghai. Help with finances!
Replies: 24
Views: 3731

Re: Leaving my job. Moving to Shanghai. Help with finances!

5. Health Insurance: I'm going to be getting insurance while abroad to cover emergency medical, travel insurance, etc. But I'm not planning to maintain US health insurance at this point, since I'll be living abroad for the remainder of 2015 almost as soon as I leave work. This means I will have to ...