Search found 545 matches

by jane1
Thu Jul 28, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best full featured online checking?
Replies: 40
Views: 3269

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: 93
Views: 5095

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: 136
Views: 8788

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: 136
Views: 8788

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: 4442

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: 3512

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: 9394

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: 3597

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: 1278

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: 3320

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: 4319

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: 1574

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: 2659

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: 619

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: 540

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: 619

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: 1947

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: 1947

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...
by jane1
Fri May 13, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: 2014 Taxes form 1099-R
Replies: 4
Views: 391

Re: 2014 Taxes form 1099-R

You will need to check if the $6382 is part of Line 16b. Look at the other 2 1099-Rs and their box 7 codes and see if the 6800 was not taxable from one of them.
by jane1
Thu May 12, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career path and cost of living.
Replies: 63
Views: 7288

Re: Career path and cost of living.

Most cities would have plenty of software/IT jobs. Every mid-large company has a technology department. So decide where you want to live, identify employers in the area and apply. Bay Area cost of housing is very high. Think 2.5-5K/month rent for a 2 bedroom apartment. Or 1M for an small old single ...
by jane1
Wed May 11, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas, Summer, Kids, California/Mexico/Texas?
Replies: 25
Views: 2735

Re: Vacation Ideas, Summer, Kids, California/Mexico/Texas?

You are right. The kids are too old for Legoland. By hollywood I meant movie industry related - Universal Studios, Walk of fame, watch live recording of some shows. There is Santa Monica pier/beach, Getty Center, Griffith Observatory. San Diego area has nice beaches, waterfront attractions (like USS...
by jane1
Wed May 11, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas, Summer, Kids, California/Mexico/Texas?
Replies: 25
Views: 2735

Re: Vacation Ideas, Summer, Kids, California/Mexico/Texas?

Not much of beach, swimming in NorCal since water is too cold year-round. In July/Aug SoCal LA/San Diego area would have some warm beach, swimming. SoCal may be more interesting for kids because of Disney, Legoland, Hollywood (I live in Bay Area, NorCal). SF is cold in the summer (fog rolls in). If ...
by jane1
Wed May 11, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 4518

Re: One Week "Sabbatical"

Consider Idaho, if you are considering WY, MT. Or Boundary Waters in MN. I knew someone who would go there fishing every year for a couple of weeks. Lakes, Waterways, Canoeing, Camping, Scenery. Unless you want mountains and hiking too. Oregon coast is great too. And it isn't as crowded as CA or WA ...
by jane1
Tue May 10, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8634

Re: Buying a house for an adult child (child adult?)

OP you also had a posting a month ago that seeking advice for your son was considering a career change. It seems he isn't "settled" to buy a house. Too many unknowns.
by jane1
Tue May 10, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8634

Re: Buying a house for an adult child (child adult?)

Do not do this to yourself and your long-term relationship with your child. Mixing finance (almost) always leads to strains. They will spend on things you may not approve of, but not pay the mortgage or prop taxes. Consider the impact on your tax return & associated complexity in determining how...
by jane1
Fri May 06, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax guru needed!
Replies: 27
Views: 2206

Re: Tax guru needed!

If the company does not require the employee to use the "additional compensation" to pay for the insurance plan, then they are not breaking the law
https://www.irs.gov/irb/2015-14_IRB/ar07.html
See Q4
by jane1
Fri May 06, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax guru needed!
Replies: 27
Views: 2206

Re: Tax guru needed!

You will have to wait and see how it appears on your W2. Even if it shows up as income on Boxes 1, 3, 5, you will only get the benefit from deducting if the following apply 1. You itemize on your tax return (not standard deduction) and 2. Your medical expenses exceed 10% of AGI (or 7.5% of AGI if Ag...
by jane1
Wed May 04, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Not at fault Car accident, should I file for Arbitration?
Replies: 26
Views: 2114

Re: Not at fault Car accident, should I file for Arbitration?

Just from reading your replies, it sounds like TO ME that the other driver was not "turning right" but going straight. He probably saw your signal and thought that once he cleared the start the intersection, he could safely change lanes into the far right lane because you'd be gone turnin...
by jane1
Wed May 04, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Not at fault Car accident, should I file for Arbitration?
Replies: 26
Views: 2114

Re: Not at fault Car accident, should I file for Arbitration?

10 ft away from the start of the cross-street means less than 1 car length. Was that on the police report? There is no realistic way that another car could "merge" in your lane and then turn right legally. If that is indeed the case and if I were you, I would tell Geico that I would not ac...
by jane1
Wed May 04, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Not at fault Car accident, should I file for Arbitration?
Replies: 26
Views: 2114

Re: Not at fault Car accident, should I file for Arbitration?

How far were you/other from the start of the intersection? That might help decide if it is worth pursuing.
by jane1
Tue May 03, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially invalid HSA (due to FSA) -- what to do?
Replies: 12
Views: 1003

Re: Potentially invalid HSA (due to FSA) -- what to do?

Since the Spouse #1 med-FSA is valid for Spouse #2 medical expenses and the pre-tax contribution benefit is/was received for 2016, I don't believe Spouse #2 can contribute to HSA. It doesn't matter that you have already spent FSA $ (you received the maximum tax benefit anyway). I am reasonably sure,...
by jane1
Tue May 03, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Potentially invalid HSA (due to FSA) -- what to do?
Replies: 12
Views: 1003

Re: Potentially invalid HSA (due to FSA) -- what to do?

How many spouses do you have :)

Who is (and was) covered by which insurance and what months? HDHP Family or Individual?
Is it a limited purpose FSA (vision, dental only)? Were any FSA contributions made for 2016 or was it spend down of 2015?
by jane1
Thu Apr 28, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA being treated as taxable income
Replies: 3
Views: 608

Re: Backdoor Roth IRA being treated as taxable income

I just looked back at my 2013 taxes and no I didn't report the conversion on 2013. Did I need to? You meant "contribution" not "conversion" for 2013? Based on my previous link, do you understand how to fill out the Part II of 8606 for 2014 conversion? Did you receive a 1099-R fo...
by jane1
Thu Apr 28, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA being treated as taxable income
Replies: 3
Views: 608

Re: Backdoor Roth IRA being treated as taxable income

Assuming you filed 8606 for both 2013 and 2014.
Did you report the conversion in Part II of 8606 for 2014?
See a sample 8606 here
http://thefinancebuff.com/the-backdoor- ... ow-to.html
by jane1
Wed Apr 27, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax-efficiency vs. incurred capital gains
Replies: 12
Views: 1002

Re: Tax-efficiency vs. incurred capital gains

First stop reinvesting dividends and new investment in. If you have never sold this fund in the past, change your tax/cost-basis method to Specific ID. If you are currently taxed at a high capital gains tax rate (than you expect to be in retirement) look for tax loss harvesting (TLH) opportunities a...
by jane1
Tue Apr 26, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs. Traditional Plan: Math Problem
Replies: 12
Views: 933

Re: HDHP vs. Traditional Plan: Math Problem

You have it right... - once you take the tax benefits of HSA contributions, it will become even more a no-brainer! - check the provider network (same insurance company can have multiple networks). - Negotiated rate for a service with same provider could be different based on the insurance plan - pre...
by jane1
Mon Apr 25, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Just pay or get Tax Lawyer
Replies: 13
Views: 1431

Re: Just pay or get Tax Lawyer

Great. Glad you figured it out. So is it $0 liability since it was all Roth basis or did you end up also withdrawing earnings? Make sure you follow the instructions in the IRS letter (whether to write back a letter, file an amended, 8606, etc) Oh, and if you have been reading this forum, you know th...
by jane1
Mon Apr 25, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Just pay or get Tax Lawyer
Replies: 13
Views: 1431

Re: Just pay or get Tax Lawyer

You should first make sure IRS is correct. Isn't often the case. They may not know your Roth contributions, how long the account has been open and purpose of your withdrawal and might be assuming (worst case) the entire withdrawal as taxable. Having a 6K bill would mean you had substantial earnings ...
by jane1
Mon Apr 25, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3407

Re: Off to Australia - need advice

Remember you will be jet lagged. I would skip Blue Mountains and other scenery type stuff since you can get similar experiences in the US. Instead of renting a car and driving on your own, which will isolate you from experiencing the local culture/people, take tours or the limited public transport a...
by jane1
Mon Apr 25, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I start my own consulting business?
Replies: 10
Views: 1322

Re: Should I start my own consulting business?

Also check if your company's supplier have clauses in their contract with your company that restricts them from working (soliciting) with you (and other employees of your company). Getting clients is the most difficult. Your potential clients may not want to deal with a 1 person company. Or ruin the...
by jane1
Mon Apr 25, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: PhD gift ideas
Replies: 17
Views: 1058

Re: PhD gift ideas

Travel (hotel, tour) to a historic place on his bucket list. Local (driveable in US) may be within your budget but if it is Italy or Intl sites that he has always dreamed of, give him a check with a nice voucher (you create) that says it is towards his XYZ dream trip (to show you have given it some ...
by jane1
Mon Apr 25, 2016 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I Sign This Non-Solicitation Agreement Can This Backfire on Me
Replies: 24
Views: 2327

Re: Should I Sign This Non-Solicitation Agreement Can This Backfire on Me

Depends on your state and/or state whose court is mentioned in the contract. I wouldn't be overly concerned about #2. #1, per my interpretation, says you can never do anything directly or indirectly that takes away their customers or employees (who were their customer/employee in the 24 months befor...
by jane1
Wed Apr 20, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Inexpensive place to fax from?
Replies: 11
Views: 1129

Re: Inexpensive place to fax from?

My local UPS store offers fax service at a fraction of FedEx's fax cost. I think it was $1 even for first page (international). Domestic may be less.
by jane1
Mon Apr 18, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing help!! standard vs itemized? passive or general category income?
Replies: 11
Views: 936

Re: Tax filing help!! standard vs itemized? passive or general category income?

Some states allow you to do Itemized Deduction on Fed and Standard on State or vice-versa. Others don't. So you may have to optimize accordingly too. Do pay attention to what House Blend wrote. Lot of people don't understand that concept. In your case, if you itemize, your State Refund will need to ...
by jane1
Mon Apr 18, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Another last-minute IRA contribution question
Replies: 9
Views: 560

Re: Another last-minute IRA contribution question

Still on hold with Vanguard. They've probably got a lot of calls from people like me. haha Depends on what you expect your tax bracket to be (later in life). I personally would have contributed max allowed in deductible IRA and the remaining in Roth. But then I don't mind dealing with it! If you ar...
by jane1
Mon Apr 18, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another last-minute IRA contribution question
Replies: 9
Views: 560

Re: Another last-minute IRA contribution question

Depends on what you expect your tax bracket to be (later in life). I personally would have contributed max allowed in deductible IRA and the remaining in Roth. But then I don't mind dealing with it! If you are in a high state tax bracket, you can potentially save $1200-1500 in taxes this year. So ba...
by jane1
Mon Apr 18, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Another last-minute IRA contribution question
Replies: 9
Views: 560

Re: Another last-minute IRA contribution question

If your AGI is such that you are allowed to contribute to a Roth, do that.
If you are not allowed to contribute to a Roth (due to high AGI), you can contribute to (non-deductible) IRA and then do a backdoor Roth. Not sure if it is too late to open a Roth account or make a contribution.
by jane1
Sun Apr 17, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Help: Back Door Roth
Replies: 7
Views: 771

Re: Help: Back Door Roth

See a recent similar thread on this topic
viewtopic.php?f=2&t=189196

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