Search found 406 matches

by jane1
Sat Feb 06, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 54
Views: 2337

Re: Impact of Obamacare on investment decisions

ACA subsidy depends on your MAGI. If MAGI is < 400% of Federal Poverty Level (FPL), you receive some. Lot of early retirees in situations similar to yours, try to adjust their capital gains and Roth conversions, so they are just lower than 400%. If your expected income after Medicare eligibility is ...
by jane1
Fri Feb 05, 2016 5:24 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2455

Re: Where to Stay in San Francisco?

The Marina and Fort Mason are all within walking distance. You will also be pretty close to The Presidio and The Palace of Fine Arts. The Exploratorium is located at the Palace of Fine Arts and is normally a hit with adults and children alike. Balance, the Exploratorium moved to Pier 15 on Embarced...
by jane1
Thu Feb 04, 2016 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Insurance increase after Citation and Traffic School
Replies: 8
Views: 781

Re: Insurance increase after Citation and Traffic School

OP, I thought that was the point of the traffic school too. But insurance companies for various discounts - no accident, safe driver, no violation in x years, etc. So maybe you benefitted on some discounts but not others. Once you find out from insurance company and/or DMV, please do post here for t...
by jane1
Wed Feb 03, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of fellowship
Replies: 37
Views: 1495

Re: Taxation of fellowship

Want to make sure I got this correct 1. You/kid pay UniversityA 40K in tuition (annually?) 2. Sometime between freshman year and graduation, University B pays kid $4000 for summer research 3. No tuition or other payments were made by kid/you to University B Maybe I missed some other nuances from OP ...
by jane1
Tue Feb 02, 2016 1:05 am
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 31
Views: 2145

Re: Advice about a stop in Chicago

Lincoln Park conservatory, Chicago History Museum are both not far from the zoo and worthwhile. Walk around the harbor or near Lake Michigan (take the lakefront trail). Depending on how much time you have, the weather that day and how much of a walker you are, it is nice to walk along the lake all t...
by jane1
Mon Feb 01, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2455

Re: Where to Stay in San Francisco?

Are you planning to spend the whole week in SF alone? If you want to do some exploring outside the city, you will need a car. Based on your other interests and how much you want to drive, I would recommend, spending 3-4 nights in SF (don't rent a car) and the remaining outside the city (rent a car) ...
by jane1
Sun Jan 31, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Which app/plan do you use to make calls to overseas?
Replies: 40
Views: 1619

Re: Which app/plan do you use to make calls to overseas?

Google voice. You can add credit to your account and make calls to phone numbers to most countries for pennies, and free calls back to US phone numbers, if you are traveling abroad. I also use FaceTime, Skype, have used MagicJack in the past, WhatsApp. Some of these require that other party to have ...
by jane1
Sun Jan 31, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1542

Re: Best place to travel July/August for 1-2 weeks?

I hope you mean 1-2 month trip, not 1-2 week trip? If you find you will not be able to take 1-2 week trips again in the future, you should be reconsidering your jobs! NZ will have its winter in July-Aug, not the best time SE Asia - may be rains/monsoon and some heat, so again may not be ideal Egypt ...
by jane1
Fri Jan 29, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement in sight - should my investing plan change?
Replies: 10
Views: 1488

Re: Early retirement in sight - should my investing plan change?

Check out the Early Retirement forums and their FAQs. There you will find a lot of friendly, FIREd (Financially Independent Retired Early) members who discuss lot of the issues related to retiring early (am I ready, finance, healthcare, what to do with time, etc) http://www.early-retirement.org/foru...
by jane1
Fri Jan 29, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity taking many days to settle ETF Trades
Replies: 10
Views: 1729

Re: Fidelity taking many days to settle ETF Trades

I know this is an old thread, but I had the same question and called Fidelity to clarify. If I sell an EFT within my IRA (or other) account with no margin, it settles after 3 days. But the cash is available for trading to another EFT, equity or MF right away. However you cannot withdraw the cash unt...
by jane1
Thu Jan 28, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: 401K contribution Question
Replies: 1
Views: 244

Re: 401K contribution Question

There is no official limit (as far as I am aware of) but each employer can set their own % limit for the 401k plan they have set up. I have seen employers that allow 100% contribution, 30% and even 10%. Not sure about legality. If your 401k account website allows you to change to 100% contribution, ...
by jane1
Tue Jan 26, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice?
Replies: 28
Views: 2923

Re: Estate planning advice?

I don't know the answer to your question about the kind of professional. An expert on the board can answer that. I had come across this article in WSJ that talks about estate exemptions for couples. Not sure if it is applicable in your case anymore. http://www.wsj.com/articles/a-new-tax-break-for-ma...
by jane1
Mon Jan 25, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3450

Re: Should we do what our FA advises?

+1 livesoft and others. Run from this advisor. OP, welcome to the forum. Glad you found us, it is a great first step. Learning personal finance will be one of the best investments you will make. There are a lot of very knowledgeable people of this forum. In general, you want to go to a fee-only CFP....
by jane1
Mon Jan 25, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: 3 Years to Obsolescence - SONY Blu-Ray YouTube App
Replies: 22
Views: 2687

Re: 3 Years to Obsolescence - SONY Blu-Ray YouTube App

Same thing happened to us with our Sony BDP. I think our YouTube app stopped being supported some time in 2015. May have been 3 years. Everything else works fine. After that we decided to buy a Chromecast, mainly for YouTube.
by jane1
Sun Jan 24, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How [much] do CPAs charge for tax prep?
Replies: 15
Views: 1885

Re: How do CPAs charge for tax prep?

Any idea how much this friend makes (AGI)? I and several other members of this forum prepare simple tax returns for low income tax payers through the IRS VITA/TCFE programs pro bono. Schedule A / Schedule D are both "in scope". In my county we target tax payers at $50,000 AGI and below. +...
by jane1
Sun Jan 24, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Help Me Plan My Trip
Replies: 11
Views: 1350

Re: Help Me Plan My Trip

If you have been to Rome and Florence, then maybe one of the other options may be desirable. But then you have also been to Berlin. It was good to be able to visit Auschwitz and if this is something you want to do in life, they go for it. I know this was not your question, but if you haven't been to...
by jane1
Sun Jan 24, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Searching for a Specialist under HDHP
Replies: 8
Views: 423

Re: Searching for a Specialist under HDHP

JH, Perhaps you can provide an example. There are several levels of consultation, of course, so one provider may bill a higher level than another. But for the same code, I'm not aware of Anthem paying varying levels to in-network providers unless a procedure takes place in a different location. I d...
by jane1
Sun Jan 24, 2016 2:01 am
Forum: Personal Consumer Issues
Topic: Help Me Plan My Trip
Replies: 11
Views: 1350

Re: Help Me Plan My Trip

Depends a lot on your interests and where you have been previously. First off, I can't comment on current safety issues. Hope you have checked out http://travel.state.gov/content/passports/en/alertswarnings.html I have been to all (except Edinburgh) places you listed. My personal favorite would be t...
by jane1
Thu Jan 21, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)
Replies: 25
Views: 2142

Re: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)

+1 on what basearebelongtous and Strayshot (although I wouldn't know about millenials part). Two things that stood out from OP was the incredible emphasis on salary and management/org structure. I didn't see anything about enjoying the research or analysis or programming. Why do a PhD with such goal...
by jane1
Thu Jan 21, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: When is an HSA account no longer worth it?
Replies: 21
Views: 1960

Re: When is an HSA account no longer worth it?

Don't forget the tax savings from contributing to HSA. I have an Excel calculator (whose link I have posted previously on Bogleheads) where you can do a financial comparison. This takes input of account premiums, deductible, co-insurance, OOP Max, marginal tax bracket and I have graphs comparing the...
by jane1
Fri Jan 08, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct no longer handles sale of stock
Replies: 18
Views: 1609

Re: TaxAct no longer handles sale of stock

OP, Thanks for letting us know. I had no idea that TaxAct has also changed their offerings (bad decision similar to what TurboTax did last year). Something that I paid < $15 (incl fed and state efile) will now cost $35! It appears if you pre-registered and locked in your price last year for TY2015, ...
by jane1
Thu Jan 07, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP or PPO.. need advice
Replies: 9
Views: 549

Re: HDHP or PPO.. need advice

Babies often come with a lot of expensive medical bills, so for this year, you should assume you will use the whole HDHP deductible. But the tax savings on the $6650 you can contribute to an HSA, less the difference in the insurance costs, will already cover most of that deductible. The HDHP wouldn...
by jane1
Thu Jan 07, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP or PPO.. need advice
Replies: 9
Views: 549

Re: HDHP or PPO.. need advice

Very likely the monthly premiums are pre-tax (payroll deduction). If so, the $30/month difference, could become $20/month differential based on the tax rate. Are both plans with the same insurance company with identical provider networks? If not, for financial comparison, a lot will depend on the ne...
by jane1
Tue Dec 29, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-misc income - allowed to deduct expenses?
Replies: 13
Views: 743

Re: 1099-misc income - allowed to deduct expenses?

I have heard that in general, IRS does not like Other Income line on 1040. Or a Sch C loss from 'hobby'. Most 1099-misc income (exception gambling, certain prizes/awards) should go on Schedule C and you should pay SE tax on it. If you are running this as a business and tracking your revenue and expe...
by jane1
Tue Dec 29, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Broker Classification of Solo 401(k) Contributions
Replies: 7
Views: 300

Re: Broker Classification of Solo 401(k) Contributions

TD Ameritrade told me that as a sole proprietor I decide on the tax return which year the contribution is for (say if I contribute in April 2016 it could have been for Tax Year 2015 or 2016) and how much is employee or employer. They don't care. I think they said they only report how much was contri...
by jane1
Tue Dec 29, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 8886

Re: Should I just give my wife (folded) money?

Depends on your marriage dynamics, but for us gifting money would be weird. We don't buy each other gifts on special occasions. Just if we come across something we know the other would like (but may think it is a 'want not a need'). For instance, DH watches a lot of YouTube on iPad or laptop and als...
by jane1
Mon Dec 28, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: whether to file large auto insurance claim
Replies: 8
Views: 607

Re: Question re: whether to file large auto insurance claim

I believe you should file the claim. As someone else pointed out, actuals may end up being different. We had a situation where even 6 months to 1 year later, we kept having car trouble and the insurance company continued paying for the repairs. Will another party file claim against your liability in...
by jane1
Sun Dec 27, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Streaming Showtime from Amazon Prime
Replies: 9
Views: 1175

Re: Streaming Showtime from Amazon Prime

Showtime anytime app on your iOS device (maybe android/laptop) comes with free 30day trial and then $10-11 per month. We use chromecast/Apple TV to watch it on TV screen. No problems with connection. You can cancel anytime (similar to Netflix model). Don't need cable TV service/operator with this op...
by jane1
Fri Dec 18, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3684

Re: iPhone Purchase - I'm getting Desperate!

If OP is still looking, consider getting the latest 6s version at Best Buy today.
http://money.cnn.com/2015/12/18/technol ... index.html
by jane1
Thu Dec 17, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 61
Views: 136823

Re: No Foreign Transaction Fee, No Annual Fee

+1 for Capital One quicksilver. Have used in dozens of countries with great rates. Been a very satisfied Capital One CC customer for a number of years.
Not sure why OP doesn't want CapOne.
by jane1
Wed Dec 16, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3684

Re: iPhone Purchase - I'm getting Desperate!

Keep in mind that AT&T and Verizon are two different radios (GSM and CDMA). You may get it to work, but it may not work as well on Verizon. We tried a similar thing with daughters IPhone 5s which was Sprint but unlocked it to work on Tmo. Didn't work well. YMMV. For iPhone6 (and beyond), the AT...
by jane1
Fri Nov 20, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need to overcome our frugal habits and splurge a little in retirement
Replies: 63
Views: 7141

Re: Need to overcome our frugal habits and splurge a little in retirement

Lot of good advice in above posts. Find your passions and things which give you joy but you think cost too much, slowly ramp up the spend. It is hard, I know. I want to add, maybe travel to a poor neighborhood or a third world country, interact with the locals (not as part of a tour), see what cause...
by jane1
Fri Nov 20, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 in losses for 2015--My plan
Replies: 11
Views: 2277

Re: $100,000 in losses for 2015--My plan

^Suppose I need $100,000 to pay expenses for 2016. I sell $100,000 of a Vanguard fund in my taxable account. Assume its cost basis is $50,000, so I have a capital gain of $50,000. Since I have more than $50,000 of carryover losses, I offset the gain with $50,000 of losses. Now I have $100,000 to sp...
by jane1
Fri Nov 20, 2015 1:27 am
Forum: Investing - Help with Personal Investments
Topic: $100,000 in losses for 2015--My plan
Replies: 11
Views: 2277

Re: $100,000 in losses for 2015--My plan

That doesn't make sense to me and here is why: You would be using up the losses at an equivalent tax-rate of 15% instead of a higher tax rate. For instance, I have carryover losses much much higher than $100,000 and will use them up at $3,000 a year against an equivalent tax-rate of 25%, but that's...
by jane1
Thu Nov 19, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Salary in NY
Replies: 9
Views: 1628

Re: Help with Salary in NY

One more vote for posting on City Data forum. Calculators give you one decent data point. But they don't necessarily reflect your reality. And often the cost-of-living variation is huge within a city or even within zip code. Another way, I would do it, would be my own rough calculation for "my ...
by jane1
Wed Nov 18, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K -> Contribution Time Frame??
Replies: 12
Views: 377

Re: Solo 401K -> Contribution Time Frame??

I had a similar question in this thread. Spirit Rider's response might be helpful for you as well.
viewtopic.php?f=1&t=177679
by jane1
Tue Nov 17, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k math problem
Replies: 5
Views: 444

Re: solo 401k math problem

Since you have maxed the SS portion, you will only owe the medicare 1.45% for employee & employer on the SE income. Are you aware that you have until 4/15/16 to actually make the contribution? You will have to fill out some paperwork and open the solo 401k by 12/31, but IRS does not expect you t...
by jane1
Tue Nov 17, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Telephone number for Voice Mail Only
Replies: 17
Views: 1331

Re: Telephone number for Voice Mail Only

One more vote for Google voice (phone number).
Free. Get audio & transcript of voice mail in your email. Can get it forwarded to any phone if you want (or none). Can get text about your voicemails to your cell phone if you prefer.
by jane1
Fri Nov 13, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k contribution limit and deadline
Replies: 3
Views: 298

Re: Solo 401k contribution limit and deadline

If you are a sole proprietor the total eligible for both contributions combined would be net business profit ($10,000 - $1,000 = $9,000) - 1/2 SE tax. The election for employee deferral must be in writing. Most providers have a form on their web site for this purpose. As you noted It must be comple...
by jane1
Fri Nov 13, 2015 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k contribution limit and deadline
Replies: 3
Views: 298

Solo 401k contribution limit and deadline

I have question related to solo 401k contribution. Let's say I have a Sch C (sole prop) with the following: Revenue: 10,000 Biz Expenses: 1000 Profit = 10,000-1000 = 9000 Can I contribute $9000 as the employee portion? And an additional ~$2000 for employer part? Or does the combined have to be <= $9...
by jane1
Thu Nov 12, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 2198

Re: Costco Travel....anyone used them?

I use Costco Travel for Car Rentals. Lowest rate compared to other sites. Also works well for non-airport rental locations.
I haven't used for vacation packages and can't comment on that.
by jane1
Wed Nov 11, 2015 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Simplifying Finances
Replies: 17
Views: 2299

Re: Simplifying Finances

I have everything automated and electronic. All bills get paid directly out of my credit card or bank account electronically. I have monthly scheduled transfers from savings to checking to cover the bills and also a quarterly scheduled transfer since there are occasional larger purchases (travel, pa...
by jane1
Wed Nov 11, 2015 2:20 am
Forum: Personal Finance (Not Investing)
Topic: TaxSlayer Pro - seeking info
Replies: 16
Views: 1449

Re: TaxSlayer Pro - seeking info

Is AARP TaxAide moving from TWO to TaxSlayer this year or are you referring to other volunteering org?
That would not be fun. I like TaxWise although it has its own quirks.
by jane1
Mon Nov 09, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3134

Re: like to live in tropical weather

...Although Miami, West Palm Beach, Tampa/St. Petersburg would get what you want for most of the year. Tampa and St. Pete are far from tropical and barely sub-tropical. They certainly wouldn't satisfy the OP's requirements. Gill You are right. I stand corrected on Tampa/St. Pete. Made some wrong as...
by jane1
Mon Nov 09, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: This HDHP w/HSA is a no-brainer, right?
Replies: 39
Views: 4174

Re: This HDHP w/HSA is a no-brainer, right?

All numbers below reflect in-network care only. I'm curious to here some thoughts on disregarding the out-of-network numbers? Of course one would plan to see in-network providers whenever possible, but we don't all get to plan catastrophic medical events. I've seen plans place astronomical out-of-p...
by jane1
Mon Nov 09, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3134

Re: like to live in tropical weather

When you say America, do you mean USA only? Or does it include North America, Central America, South America? If USA only, then Hawaii, Puerto Rico, US Virigin Islands, Guam are technically your only tropics option. Nothing in the continental US. Even Key West is North of Tropic of Cancer! Although ...
by jane1
Mon Nov 09, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Custodian Question & Benefits of Contributing through Employer
Replies: 8
Views: 607

Re: HSA Custodian Question & Benefits of Contributing through Employer

In your case you will not get the benefit from the (6.2%) payroll deduction of HSA since spouse is above FICA limit. You would get the medicare tax 1.45% benefit. In fact you may actually be subject to higher (Employer part) of FICA on 1099 self-employment taxes if you avail of HSA payroll deduction...
by jane1
Mon Nov 09, 2015 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Individual 401k related question
Replies: 10
Views: 512

Re: Individual 401k related question

I had criteria similar to yours and went with TD Ameritrade. But then I already have multiple accounts with them anyway.
Whitecoat investor has articles on this topic
http://whitecoatinvestor.com/where-to-o ... solo-401k/
A search on bogleheads forum will also bring up relevant discussion threads.
by jane1
Sun Nov 08, 2015 3:50 am
Forum: Personal Finance (Not Investing)
Topic: This HDHP w/HSA is a no-brainer, right?
Replies: 39
Views: 4174

Re: This HDHP w/HSA is a no-brainer, right?

If you are somewhat comfortable with Excel try this Excel model I had created last year for such comparisons. You might find it useful. I have uploaded it to a free site (filedropper) since bogleheads does not allow attachments. http://www.filedropper.com/comparehealthinsuranceoptionsmodel In our ca...

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