Search found 575 matches

by jane1
Tue Aug 23, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1649

Re: Honeymoon - Alaska or Greece

Does she have a slight preference? Go there. I would choose a warm place for the honeymoon. That would rule out Alaska around Memorial Day. You will likely need jackets/sweater while on ship balcony! You can easily go to Alaska for another vacation. You can do a Greek Islands via a cruise. Warmer, v...
by jane1
Tue Aug 23, 2016 12:58 am
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 24
Views: 2031

Re: Eyeglasses Problem - how to fix?

There is no excuse for the shop not knowing what kind of lens is on your old pair of glasses. It should be easy. Happens to us all the time (we don't remember what kind we are using) but the shop is able to tell us. They should definitely be able to tell progressive, hi-index, bifocals! Brand, don't...
by jane1
Fri Aug 19, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dental and vision insurance payments withheld from paycheck, taxed? [UPDATED]
Replies: 20
Views: 2083

Re: Dental and vision insurance payments withheld from paycheck, taxed?

UPDATE: August 2016 My spouse received a gift certificate from her company for bringing this to the attention of the new CEO and saving employees taxes. The company changed things for tax year 2016 so that dental and vision insurance payments are not taxed anymore. As suggested, the problem was pro...
by jane1
Fri Aug 19, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3612

Article Fwd: how to prepare for old age when you don't have kids

This is a well written article about things one needs to think about and do in preparing for old age, becoming incapacitated and eventually death, especially if one doesn't have kids. http://twocents.lifehacker.com/how-to-prepare-for-old-age-when-you-don-t-have-kids-1785370803?rev=1471390736630&...
by jane1
Mon Aug 15, 2016 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Away from home for a year (tax and health care considerations)
Replies: 4
Views: 449

Re: Away from home for a year (tax and health care considerations)

Giving change of address and getting license/registration, etc can be a pain initially, but you will find it makes things much cleaner in terms of authorities (driving legally, registration, car insurance garaging address, health insurance, state taxation laws, getting public library cards...). We w...
by jane1
Tue Aug 09, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on withdrawing retirement $'s
Replies: 15
Views: 1965

Re: Questions on withdrawing retirement $'s

Wouldn't you also want to consider the tax impact of your withdrawals? Before age 70.5, you might want to take more from taxable and/or convert some IRA to Roth or do capital gain/loss harvesting based on your tax bracket. After 70.5, RMDs will force your IRA withdrawals to be more than 2.25% (more ...
by jane1
Tue Aug 09, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning - retirement vs taxable accts - which to family vs charity?
Replies: 3
Views: 316

Estate planning - retirement vs taxable accts - which to family vs charity?

If one plans to leave estate between Charity and Family, do some types of accounts make more sense to go to certain people/organization types? Goal is to maximize the benefit of estate distributed (while minimizing income taxes paid by beneficiaries?). We know % ahead of time but want to get a sense...
by jane1
Tue Aug 09, 2016 1:26 am
Forum: Investing - Help with Personal Investments
Topic: Calling all real estate gurus [condo rent vs sell]
Replies: 7
Views: 627

Re: Calling all real estate gurus [condo rent vs sell]

One thing to consider is the current state of the real estate market in the area - growth prospect, is it at the highest prices in the past few years, low inventory, slowing down, still lower than the peak from last decade, etc... How much did you pay for it I.e. Do you have a significant gain alrea...
by jane1
Sun Aug 07, 2016 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 7
Views: 831

Re: Confused about HSA

Is the plan with your new employer HSA eligible (HDHP) and you don't have any other kind of health insurance? Not all PPO plans are HSA eligible.
If you are HSA eligible for 2016, then you can contribute post-tax $ to an HSA and then take the tax deduction on your tax return.
by jane1
Sat Aug 06, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a widow with allocation and taxes
Replies: 4
Views: 550

Re: Helping a widow with allocation and taxes

Your approach is good. And you are knowledgeable. Simplifying would be good. You may want to keep tab of what the advisor is doing going forward. I have seen too many times, advisors taking advantage of elderly widows. Except for the taxable dividends and high(er) cost broker, your Dad seems to have...
by jane1
Sat Aug 06, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Contingent beneficiaries: Simultaneous Death- both spouses? (Will v. Trust)
Replies: 20
Views: 1593

Re: Contingent beneficiaries: Simultaneous Death- both spouses? (Will v. Trust)

I am interested in the responses as well.
Giving a bump to this thread...
by jane1
Fri Aug 05, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution strategy (across 2 employers)
Replies: 4
Views: 327

Re: 401k Contribution strategy (across 2 employers)

Will you be able to get a satisfactory job with 401k match very soon? Which approach you go with, depends on that.

Also some companies allow after-tax 401k and match against those. If that is an option at the new company, you could max at current employer and do after-tax 401k at the next.
by jane1
Fri Aug 05, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 96
Views: 9712

Re: Travel insurance - worth it?

Sorry for the late reply; I missed the follow-ups in this thread. My insurance is with Bupa Global (a Danish company, but they sell insurance in the U.S. And elsewhere). I haven't had a need to use them, but it was recommended to me by a trustworthy and reputable global traveler on a travel forum. ...
by jane1
Fri Aug 05, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Up to a year of travel [Pay with savings or mutual funds?]
Replies: 3
Views: 440

Re: Up to a year of travel [Pay with savings or mutual funds?]

If you will be in a low tax bracket during the year off, you can do capital gain harvesting, so you can potentially take advantage of 0% LTCG bracket. As to how you pay for your travel... we would need a lot more info. It is situation dependent. Age, current assets and allocation, desired allocation...
by jane1
Fri Aug 05, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3266

Re: Moving from Android to iPhone

I have iPhone with Windows PC. No problems with syncing music (need iTunes), transferring photos, backup, etc. I use Google Maps and other google apps on phone. Also use Chromecast with iPhone, iPad. Love the camera, screen resolution, battery life. Don't like the fact that I can't put an external m...
by jane1
Thu Aug 04, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: taxes with megabackdoor roth
Replies: 26
Views: 2052

Re: taxes with megabackdoor roth

How about do #5 and then move back T-IRA to 401k if you want to do backdoor Roth. But then it doesn't take care of hassle factor.
by jane1
Thu Aug 04, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: taxes with megabackdoor roth
Replies: 26
Views: 2052

Re: taxes with megabackdoor roth

You might want to assign a number to the options since you refer to them as #2, etc... Why not just move 110k to Roth? Rest including any earnings are no different from a regular 401k or TIRA. Why pay 28-31% tax now vs potentially 15% (or even 28-31%) upon retirement. If you expect tax rate >31% upo...
by jane1
Thu Aug 04, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Rate for Contracting - thoughts?
Replies: 29
Views: 1997

Re: Hourly Rate for Contracting - thoughts?

One rule of thumb is Annual Base Salary/1000, so that would be $60/hr in your example. Accounts for benefits, incl any employer FICA you have to pay, holidays, vacation, etc. I have not heard this rule of thumb... but I like it. :beer So take my salary, add the value of all the benefits I receive, ...
by jane1
Thu Aug 04, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Rate for Contracting - thoughts?
Replies: 29
Views: 1997

Re: Hourly Rate for Contracting - thoughts?

Agree with vitaflo. 2x, i.e. Annual Salary/1000 hr is rule of thumb in the consulting world. I have approved (as a supervisor) as well as have been paid similar rates. From what I have seen, lot of Bay Area 1099s are often employee-types where they work same hours as employees, get work-space and of...
by jane1
Thu Aug 04, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Rate for Contracting - thoughts?
Replies: 29
Views: 1997

Re: Hourly Rate for Contracting - thoughts?

Where will you be working; at their facility or home? Do you get expenses reimbursed? How will you account for the extra utilities and supplies if you work from home? In addition to "benefits" you really should plug in some kind of "profit". I'd probably just double my $30/hr sa...
by jane1
Thu Aug 04, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 3008

Re: Depending on stability of ACA marketplace for next 8 years?

For those who are interested in looking at some 2014, 2015 ACA premiums/Issuers/Plans, etc comparison by location (county), take a look at these graphics, by yours truly. Apologize I had not well labelled them for public interpretation. The US maps are color-coded to show competitiveness/cost. Data ...
by jane1
Thu Aug 04, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 3008

Re: Depending on stability of ACA marketplace for next 8 years?

This is a concern for a lot of us. I decided in worst case we would move. And if needed to MA. I will post (edit) a more detailed response. I have done detailed analysis of raw public data of 3 years - premiums, providers, plans by age, lcation. Similar to kff study. General trends I found - urban a...
by jane1
Thu Aug 04, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Eastern Europe Trip Planning - Advise?
Replies: 34
Views: 2677

Re: Eastern Europe Trip Planning - Advise?

Fortunate Son wrote: I would take two atm's.

+1 definitely take another ATM card in case the other card gets stolen and needs to be cancelled. You can keep one in hotel safe or in your locked luggage in hotel during the day. Same with CCs.
by jane1
Wed Aug 03, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Eastern Europe Trip Planning - Advise?
Replies: 34
Views: 2677

Re: Eastern Europe Trip Planning - Advise?

Like in any major city or crowded area you have be aware of your surroundings and watch for pickpockets. In several dozens of trips and several trips alone taking extensive public transportation I personally have never encountered any scams or pick-pockets. DH however seems to attract them occassion...
by jane1
Tue Aug 02, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 972

Re: Capitulating on Windows Phones

I have never used a Windows phone... but can't you download the Google Maps app for your Windows phone and solve at least the navigation problem? I am assuming you were using some other maps app for the problems you described. Yes, you can use hotmail with any phone. And I believe OneDrive is availa...
by jane1
Tue Aug 02, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 44
Views: 3829

Re: Living in various places 4 months out of the year.

That is my dream, although a mix of foreign and domestic locations. We did a trial version of it a few years back in semi-retirement but put everything in storage and had no home base. Lot of complications with that and came to the conclusion that when we do it next time, we would have a home base, ...
by jane1
Mon Aug 01, 2016 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with MIL's finances
Replies: 13
Views: 1117

Re: Help with MIL's finances

Welcome to the forum! Luckily FIL's options/stock are in a retirement account and you don't need to figure out the tax implications while simplifying it! If she is not getting tax benefits from the mortgage, no harm in paying off at least part of the mortgage. 5.62% guaranteed rate is decent, IMO. D...
by jane1
Mon Aug 01, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses for Work Travel - Assume it's covered?
Replies: 3
Views: 393

Re: Expenses for Work Travel - Assume it's covered?

Unlikely that a 40-60 min commute (maybe 10-45 miles in the Bay Area?) would be considered a reimbursable expense since it will be your primary place of work for those few months and you would not be expected to go to another office. But better to ask or negotiate higher salary if it is a deal break...
by jane1
Mon Aug 01, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice
Replies: 21
Views: 1856

Re: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice

+1 btenny It is really hard to give up and walk away from large $. What if one of you were to become terminally ill, totally disabled or pass away in a few years, would you regret not getting that bonus? What would your regrets be? You have won the game and don't have heirs, so what will you do with...
by jane1
Mon Aug 01, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Eastern Europe Trip Planning - Advise?
Replies: 34
Views: 2677

Re: Eastern Europe Trip Planning - Advise?

I love train rides in Europe and personally don't find them a waste of precious vacation time. I read my guidebook and plan my days (and next few days), eat, take a nap, relax after some hectic sightseeing, talk to fellow passengers, people watch, watch scenery, catch-up on email/text (I have t-mobi...
by jane1
Thu Jul 28, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best full featured online checking?
Replies: 40
Views: 3398

Re: Best full featured online checking?

Another thumbs up for Alliant. Been a very satisfied customer for over 20 years. Although now their savings and CD rates are not that much higher than market rates. And they now charge 1% for foreign transaction fees (foreign currency ATM withdrawals).
by jane1
Thu Jul 28, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 5917

Re: Interview in Silicon Valley - Suit?

OP, tell us the position you are interviewing for. Also what industry. For tech positions in tech companies in Silicon Valley business casual would be fine. Anything more could be considered not a cultural fit. Although lot of times if you are from outside the Bay Area your dress choice is overlooke...
by jane1
Mon Jul 25, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 140
Views: 10219

Re: Any retirees here who have been life-long renters?

Thanks! Do you mind if I ask if you did any sort of other real-estate investing, whether it's owning rental property or owning more REITs in your portfolio or anything like that? No real-estate investing. Simplicity. Had been considering increasing REITs allocation but so far I haven't seen any com...
by jane1
Mon Jul 25, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 140
Views: 10219

Re: Any retirees here who have been life-long renters?

Life-long renters here and no desire to own. No kids. Won the game unless inflation hits very hard. We live frugally. I believe it is easier to FIRE (Financially Independent Retired Early) as renters if you have the discipline to save. You can move easily to better opportunities, higher paying jobs,...
by jane1
Wed Jul 20, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4726

Re: Should I spend 5k annually on travel?

Yes, travel as much as your time allows. The memories and the perspective you gain in life, especially from international travel, is priceless.
You got 20+ yes and not one no in responses!
by jane1
Tue Jul 19, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: I froze my credit, here's what happened next...
Replies: 20
Views: 3597

Re: I froze my credit, here's what happened next...

Great. Thanks for sharing. Very encouraging. I might do it after all. Any idea how easy the temporarily unfreeze process is?
by jane1
Sun Jul 17, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9779

Re: Just got back from Europe...ready to sell my International...

In the past few months I have spent weeks in Australia. Also weeks in Europe and few more weeks in Asia. I feel as good about the International Economy as about US economy. Europe has a very diverse economy. Recent events in the US and Europe wouldn't necessarily dictate long-term market performance...
by jane1
Tue Jun 28, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3788

Re: Loans to Friends

I had a sibling ask for a loan to start a business (didn't even know what kind of business) one time for an amount in six figures comparable to my net worth then. I said I believe loans ruin relationships and anyway I couldn't afford it financially. Our relationship didn't stay the same and I am sti...
by jane1
Sat Jun 18, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy differences between insurers ?
Replies: 13
Views: 1350

Re: Umbrella policy differences between insurers ?

There is no standard for umbrella insurance and the policies vary widely. You'll need to find a good agent to know the differences. Here is an old paper done by a insurance agent from 2008 that gives you an idea of what I am talking about. The spreadsheet referenced in the article is pretty eye ope...
by jane1
Tue Jun 14, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Problems using Uber
Replies: 26
Views: 3397

Re: Problems using Uber

As a couple of others have pointed out, driver does not know your destination even if you enter it when requesting a ride. I have never had a ride cancelled by an Uber driver so no issues there. My current issue is with the highly dynamic surge pricing. Out where I am, it could fluctuate wildly seve...
by jane1
Fri Jun 10, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: Unacceptable hotel room
Replies: 39
Views: 4409

Re: Unacceptable hotel room

I have used booking.com quite a few times in Europe and have been happy with their user interface, customer service and find everything is spelt out clearly upfront. I have always found that the size of the room has been specified upfront during the booking process (say 14 sq m or 43 sq m, etc). I h...
by jane1
Wed Jun 08, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare pricing ?
Replies: 15
Views: 1652

Re: Obamacare pricing ?

Yes you can. I just checked on healthcare.gov for Charleston, SC and was able to. The trick is to select See if you qualify for Special Enrolment, choose a criteria that qualifies you. And then instead of "starting/updating an application", choose "See available plans before you apply...
by jane1
Mon May 16, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an HSA account without monthly fee
Replies: 28
Views: 2799

Re: Is there an HSA account without monthly fee

... If I move from HealthEquity to Alliant Credit Union I can still invest in Vanguard Funds without paying any additional fees. Fees will be 0. Alliant Credit Union's HSA is totally fee-free for "cash" accounts. Alliant's "Self-Managed Investing" HSA option is $5.95/month. I as...
by jane1
Mon May 16, 2016 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Renter's, Umbrella, or Self-Insured?
Replies: 7
Views: 651

Re: Renter's, Umbrella, or Self-Insured?

Unless you have assets to protect, self-insuring is not a bad option. Or if you are on the forgetful side.
Of course, things could go wrong.
We didn't get renters insurance for years.
by jane1
Sun May 15, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Insurance (Self-Insuring)
Replies: 6
Views: 567

Re: Health Care Insurance (Self-Insuring)

Premiums vary greatly by Rating Area (typically group of counties) within a state as well. Which state or rating area is lowest varies based on age. NY and VT have a flat premium I.e. 21-year old pays the same as a 64-year old. In most other states a 64-yr old pays 3x of 21-yr old. So if you are in ...
by jane1
Sun May 15, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's, Umbrella, or Self-Insured?
Replies: 7
Views: 651

Re: Renter's, Umbrella, or Self-Insured?

Have you checked if anyone will sell you Umbrella without Renter's or other coverage?
by jane1
Sat May 14, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 2029

Re: Free afternoon and evening in San Jose, CA

Ok, on further research I have been convinced to rent a car. Didn't realize it would be so easy to pick one up right next to the convention center. Leaning towards the Big Basin and Santa Cruz trip several of you suggested. Thanks all for the awesome suggestions! Keep it coming if you have a favori...
by jane1
Fri May 13, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 2029

Re: Free afternoon and evening in San Jose, CA

Based on what you like - Take train from SJ to SF (livesoft's suggestion) - that is what I would have done but if you are visiting in Fall with GF, skip this Rent a car. Hike Stanford Dish, wander around Stanford, see Computer History Museum, walk near Palo Alto baylands/Shoreline Park, see Google c...

Go to advanced search