Search found 111 matches

by leeks
Thu Nov 09, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: tax calculator including AMT and state/city taxes (Turbotax not currently available)
Replies: 5
Views: 417

Re: tax calculator including AMT and state/city taxes (Turbotax not currently available)

H&R Block was the same situation for their online tax product (2017 not ready yet, 2016 no longer available). However, I contacted Turbotax (I had to log in and go through the help options to get access to phone support) and they emailed me a link to download the 2016 desktop version free (what they...
by leeks
Thu Nov 09, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: tax calculator including AMT and state/city taxes (Turbotax not currently available)
Replies: 5
Views: 417

tax calculator including AMT and state/city taxes (Turbotax not currently available)

I reviewed other threads on this but the conclusion seemed to be to enter scenarios into Turbotax. I just logged in and I can't do it there because they don't have 2017 setup yet and amending a 2016 return (the only way I know how to do an alternate scenario there) is no longer available without con...
by leeks
Tue Nov 07, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Would an NY 529 contribution reduce city income taxes?
Replies: 7
Views: 560

Would an NY 529 contribution reduce city income taxes?

We live in NYC and all our earned income is from NYC. As a married-filing-jointly couple, up to 10K in contributions this calendar year would be deductible for our 2017 New York State income taxes. Would there be a corresponding reduction to our New York City income tax liability?
by leeks
Tue May 02, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade bed/bath linens
Replies: 23
Views: 2472

Re: Time to upgrade bed/bath linens

We have been happy with organic cotton sheets - 300 ct percale (I consider those appropriately "crisp") - from Target (ordered online, frequently on sale).
by leeks
Tue May 02, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 4315

Re: Buying a diamond ring

You don't have to do a diamond. When he was ready to propose, my husband picked out an interesting (but not diamond) ring from a local jewelry store that carried unique hand-crafted items. I am guessing it was under $250. We made each other's wedding rings in a half-day jewelry-making workshop durin...
by leeks
Tue May 02, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 5419

Re: Banking in Marriage

We consolidated everything to join accounts when we got married. We kept three savings accounts we use for different purposes: emergency fund vs home purchase fund vs short-term savings (vacations, large purchases). We kept two checking accounts (to maintain a relationship with an out-of-state credi...
by leeks
Mon May 01, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1754

Re: Recs for moisturizer w sunscreen please.

I like badger sunscreens. I'm a sucker for the more "natural" products with minimal ingredients. I use the rose face sunscreen - tinted version - as daily moisturizer sunscreen for my face, neck and back of hands. I love their baby sunscreen for my kids (for me too when I need it on arms and legs). ...
by leeks
Mon May 01, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4898

Re: Buying couches the Boglehead way

With a toddler and infant, I wanted something with a washable cover and we needed it to serve as a guest bed too. We got a used one last year through AptDeco for under $200 including delivery in NYC. It's peer-to-peer used furniture but AptDeco handles pick up and delivery. Their staff verifies the ...
by leeks
Fri Apr 28, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 77
Views: 11294

Re: Senior Lifetime National Parks Pass Fee Going Up

If you are 62 and older and you have some National Parks on your bucket list and you don't have a pass you might want to consider getting one now as the cost of a lifetime Senior National Parks Pass will rise from $10 to $80, according to AARP. http://travel.aarp.org/articles-tips/articles/info-201...
by leeks
Wed Apr 26, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 1218

Re: grandparent college loan options

JGoneRiding wrote:Definitely have the grandchild max out loans in their name first--through the federal government only--those are going to be the lowest rates. You can always pay them off later if you want too.
+1
by leeks
Tue Apr 25, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Car sharing with neighbors and liability
Replies: 15
Views: 1783

Re: Car sharing with neighbors and liability

This is a topic of personal interest. What you are describing is fractional car ownership (or in this case fractional car leasing). California, Washington and Oregon all have relatively recent legislation that attempts to facilitate this type of arrangement as a "Personal Vehicle Sharing Program". I...
by leeks
Mon Apr 24, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 6023

Re: Calling for all the Moms: career and family.

Plan a weekend away with your husband, soon. It sounds to me like you need a vacation. It also sounds like having your parents living with you is a serious challenge to your marriage. If your husband is unhappy with the situation now, it could get worse after your children leave the nest. Look for ...
by leeks
Thu Apr 20, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 6023

Re: Calling for all the Moms: career and family.

I don't have teenagers yet but, having been a teenager, my suggestion is for you and your husband to have this conversation with your children if it is not already something you discuss with them. It may be interesting for you to hear their perspectives. They may be eager to take on more independenc...
by leeks
Wed Apr 12, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 251
Views: 43531

Re: USAA 2.5% Cash Back Credit Card

This card didn't show up in my offers when I was logged into USAA, but I got to it by logging out and then typing in: http://www.usaa.com/limitless A monthly transfer from another bank is meeting the "direct deposit" requirement without issue. The transfer is initiated at the other bank (as the hel...
by leeks
Wed Apr 12, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 251
Views: 43531

Re: USAA 2.5% Cash Back Credit Card

This card didn't show up in my offers when I was logged into USAA, but I got to it by logging out and then typing in: http://www.usaa.com/limitless A monthly transfer from another bank is meeting the "direct deposit" requirement without issue. The transfer is initiated at the other bank (as the help...
by leeks
Wed Apr 12, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3697

Re: STEM & "coding" toys for little ones ?

blocks are the best, lots of plain wooden blocks in assorted shapes (greater quantities as they get older) we like the made-in-vermont ones from Maple Landmark, but any brand will do if they don't seem into them, try putting all other toys out of sight and start building your own creations next to t...
by leeks
Tue Apr 11, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Benefits from Condo Purchase
Replies: 3
Views: 453

Re: Maximizing Tax Benefits from Condo Purchase

I wouldn't let taxes dictate when you get married. Since you are already planning to "get married" this fall, I would just do it the legal way. It sounds complicated to have your friends and family think they attended a wedding but then you are not actually married. Taxes are not the only legal impa...
by leeks
Tue Apr 11, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Terminal diagnosis. Single parent. Plan for child.
Replies: 11
Views: 2553

Re: Terminal diagnosis. Single parent. Plan for child.

So the plan for the child would be to work in summers and work during school and get launched. I don't see where the child needs any money beyond what is apparently already available for college. +1 Don't skimp on the here and now. Quality of life in the time remaining is more important than a post...
by leeks
Fri Apr 07, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 5129

Re: Any reason NOT to do a backdoor Roth IRA?

I have a close relative who is a CPA and thinks it is not allowed. He realizes one can easily do it and probably not expect any consequences. But he feels it would violate his professional ethics to recommend it or assist clients with it.
by leeks
Thu Apr 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 7173

Re: Help on how to spend more on myself (First World Whine)

We are talking items costing $200 to $1,500, strangely if it was a new car I doubt I would have an issue, but we set aside money specifically for things like that. Use the same approach. Set aside money specifically for the mid-range fun purchases you are talking about. Maybe you need to see it in ...
by leeks
Thu Apr 06, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6405

Re: How many financial secrets?

No secrets of any kind. We have complete trust and have never had an issue about financial disclosures. We lived together for 7 years before marriage and dealt with finances as roommates (separate accounts, contributed equally to household expenses, etc). I had been doing his taxes as a birthday pre...
by leeks
Tue Apr 04, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 4425

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

My last employer allowed unused PTO to be cashed out annually or rolled over. All employees (no matter the circumstances of their departure) were paid for any unused PTO when they left. My husband has a very generous employer and he gets an annual allocation of sick and personal days (no cash out or...
by leeks
Tue Apr 04, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 7161

Re: Help with college choice

midlemom wrote: He loved UPenn but yet to visit Vandy.
Not sure if it is too southern for my Asian kid.
Vanderbilt seems to be the obvious choice but send him to visit before confirming.
by leeks
Tue Apr 04, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice/help selecting new health insurance company - Pregnancy
Replies: 10
Views: 957

Re: Need advice/help selecting new health insurance company - Pregnancy

I expect ( and prays) she gives birth mid Dec than Jan for annual MOOP(maximum out of pocket)/Deductible treatment reasons. My assumptions are no complications and delivery occurs by year end. Congratulations, parenthood is a fun adventure! It must be stressful to face a job search at this time, bu...
by leeks
Tue Apr 04, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2695

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Best situation is a new employer that reimburses you for moving expenses and then you can go full-service route. If moving for a job, you might be able to at least get a tax deduction for the expenses. We had a good experience with door-to-door (a competitor of pods) and they can provide labor for l...
by leeks
Tue Apr 04, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 2256

Re: Credit Union Places Me in Crosshairs

The most likely explanation is that your mail was misdelivered. A neighbor opened it, realized the mistake, and kindly put it in your mailbox. If someone intended to steal your identity with that information, why return it to you? I would assume it was a well-meaning neighbor and not worry about it.
by leeks
Fri Mar 31, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2522

Re: public service loan forgiveness: expecting it? consider spousal income!

noticed this article today:
"Student Loan Forgiveness Program Approval Letters May Be Invalid, Education Dept. Says"
https://www.nytimes.com/2017/03/30/busi ... wsuit.html
by leeks
Tue Mar 28, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 6178

Re: Daughter maxed out credit cards, needs help from me

My advice is don't enable the daughter by bailing her out. My Mom's first and last answer was "That's too bad. How are you going to handle it?" I learned to handle my money very quickly. I would 1) Teach your daughter about budgeting. Pay for her YNAB subscription if you want. 2) Show her the Dave ...
by leeks
Mon Mar 20, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1814

Re: What would it take to buy a house in our neighborhood?

...couldn't you move outside of the city, buy a cheaper place you can afford and still maintain your social life? ... The point is it's foolish to burden yourself with debt and stress just to "live where the cool kids live" if that is a small portion of your life. Some handle debt better ...
by leeks
Mon Mar 20, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1814

Re: What would it take to buy a house in our neighborhood?

With your income, you could buy a very spacious and new house in a lower cost, higher quality of life part of the country. My husband could not make his current income level outside of NYC unless we went to the west coast and I don't want the kids to live that far from their grandparents. He never ...
by leeks
Mon Mar 20, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1814

Re: What would it take to buy a house in our neighborhood?

You have $100k in cash now, but can save $80k a year moving forward, what is causing the discrepancy, recent raise? The crazy high income is new for us. My husband is at his first job after grad school, he finished his phd two years ago. My last salary was 60K. I had student loans. What is the plan...
by leeks
Mon Mar 20, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1814

Re: What would it take to buy a house in our neighborhood?

If you're in your mid 30s with 2 kids, how often do you see your friends? During the week? Only weekends? It's true we don't see our non-parent friends very often anymore! Our friends in the neighborhood are also parents of young children so most of our socializing is as a family (and this neighbor...
by leeks
Mon Mar 20, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1814

What would it take to buy a house in our neighborhood?

We are in our mid 30s and have an infant and toddler. We live in NYC (not Manhattan) and have been renting for two years in a neighborhood with all the amenities we prefer for our family. We have built a network of friends here and would not consider another part of NYC or suburbs. We intend to stay...
by leeks
Mon Mar 20, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2522

Re: public service loan forgiveness: expecting it? consider spousal income!

JimmyD wrote:My bet is that there eventually will be changes, but those changes will only apply to new borrowers.

I think it is a reasonable assumption that future changes would only apply to new borrowers. I hope it works out for your family as expected.
by leeks
Sat Mar 18, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2522

Re: public service loan forgiveness: expecting it? consider spousal income!

I did check that. Married filing separately would not have been worth it. I'm just really curious to hear of anyone who is actually taking advantage of the forgiveness for a significant amount. I suspect that there may be few for whom it works out to be much benefit. Obviously there is nothing wrong...
by leeks
Sat Mar 18, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2522

Re: public service loan forgiveness: expecting it? consider spousal income!

I think your math may be off The income based repayment plan caps your payment at the amount equal to a 10-year amortization. In other words, the payment stops increasing with income once you cross that threshold. If you are in IBR, you won't be paying the loan off early and you will still benefit ...
by leeks
Fri Mar 17, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2522

public service loan forgiveness: expecting it? consider spousal income!

Is anyone nearing the 120 payments and expecting to benefit from Public Service Loan Forgiveness? I believe late 2017 will be the first time anyone could be eligible for it and I am fascinated to know if anyone is actually getting a benefit. I posted about my 70K loans in 2011: https://www.boglehead...
by leeks
Sun May 22, 2011 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on buying a used car.
Replies: 34
Views: 4406

pannkake wrote:Most college students don't have or need cars, and she'll make friends that do have them.

+1
by leeks
Sat May 21, 2011 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Zero credit history--what can I do?
Replies: 26
Views: 3353

The Truth About Your Credit Score
Can you really live without it?

http://www.daveramsey.com/article/the-t ... editcards/

Many do not agree, but I find it interesting to consider this perspective.
by leeks
Wed May 18, 2011 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is New Air Conditioner worth the cost?
Replies: 19
Views: 12918

bru wrote:
HardKnocker wrote: A/C is a luxury.


It's a "luxury" that the majority of households (not to mention cars) in the US have.


I have lived in apartments without air conditioning for the last 13 years in mid-Atlantic and northeast states. I find fans to be adequate in summer.
by leeks
Wed May 18, 2011 12:32 pm
Forum: Personal Consumer Issues
Topic: Vegetable gardening
Replies: 97
Views: 14235

Epaminondas wrote:You can't get a better book than this:

How to Grow more Vegetables

It walks you through the whole process from soil prep to harvest. You learn which plants like to be near each other and which you need to separate. It is great!


+1

I refer to it often.
by leeks
Tue May 17, 2011 5:05 pm
Forum: Investing - Theory, News & General
Topic: NYTimes: The Dave Ramsey 12% solution
Replies: 86
Views: 14000

I've found his get-out-of-debt advice excellent. He focuses more on the behavioral aspects than the math. For example, paying off credit cards lowest balance first. People who are struggling to climb out from under too much debt will likely find much more relief and motivation to keep going by whit...
by leeks
Sun May 15, 2011 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Going carless
Replies: 30
Views: 3774

I may also be going carfree at some point in the future and have priced the options in my town. Through a university, I have access to a carshare service that is a competitor to zipcar, with slightly lower prices (about $50 for a full day rental). Since it is designed for people without cars, the re...
by leeks
Thu May 12, 2011 1:25 pm
Forum: Forum Issues and Administration
Topic: Which Boglehead Index for viewing posts do you use?
Replies: 24
Views: 2682

I use that one too.
by leeks
Wed May 11, 2011 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are we stupid for paying extra on house?
Replies: 73
Views: 7597

Claude wrote:
Wind power wrote:Sometimes peace of mind is a wise investment too.
I paid mine off early...over 10 years ago and still feel good about it today.
Zero stress has a value


+1 :D


+2
by leeks
Wed May 11, 2011 11:43 am
Forum: Personal Consumer Issues
Topic: Best coffee maker
Replies: 66
Views: 10685

Yup, those things are awesome. I use mine every day. (And wow, 77 dollars? Mine was 10 bucks at an Asian grocer.) Indeed, these can be found for low cost and the most common varieties are made of aluminum. We splurged to order one in stainless steel (aren't fans of aluminum). We also paid more to u...
by leeks
Wed May 11, 2011 10:43 am
Forum: Personal Consumer Issues
Topic: Vanguard Flagship Community?
Replies: 17
Views: 3736

Is this the "black card" part of Vanguard? I heard they sent specific invites out to join for that. Any idea of how much one needs to have to be asked to join the "really rich" club? 5 mill? 10 mill? Defintely curious. Below from m Flagship Services™ Flagship Services offers the...
by leeks
Wed May 11, 2011 10:28 am
Forum: Personal Consumer Issues
Topic: Best coffee maker
Replies: 66
Views: 10685

http://ecx.images-amazon.com/images/I/21E75GF67QL._SL500_SS75_.jpg m I love the stovetop percolator. Compact, fast and no counter space needed. No filters. No separate boiling and brewing devices. No electricity needed if you have a gas range (or grill). We do use a small electric grinder too. I wa...
by leeks
Tue May 10, 2011 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cuts minimum investments on 27 funds
Replies: 28
Views: 5751

A nice change!