Search found 68 matches

by need403bhelp
Mon May 22, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 955

Re: ebates experiences - what downsides?

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by need403bhelp
Sat May 20, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Re: Ohio National for disability insurance?

Yikes, not sure which COLA I purchased! I believe it's the 3% though. I also purchased the future increase rider so that I can purchase more coverage without having to get another medical exam. I have a group LTD at work which I plan to drop in the next couple years or if I change jobs, then I'll j...
by need403bhelp
Sat May 20, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Re: Ohio National for disability insurance?

I just bought a LTD policy and $2M term life from Ohio National. With the 10% discount, the rates were the lowest of any of the companies I researched. They came highly recommended from the independent agen I used. Thank you so much for the helpful datapoint! Out of curiosity, if you purchased a CO...
by need403bhelp
Fri May 19, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Re: Ohio National for disability insurance?

bottlecap wrote:Ohio National is longstanding, well-known and legit. I suppose all companies carry their risks, but they are not fly-by-night.

JT


Thank you so much for the helpful information!
by need403bhelp
Fri May 19, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Re: Ohio National for disability insurance?

Kenkat wrote:Ohio National is a solid mutual insurance company with a long history and strong financials. They are very well regarded here in the Cincinnati area where they are located.


Thank you so much for the helpful information!
by need403bhelp
Fri May 19, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Re: Ohio National for disability insurance?

Ohio National's new product is very competitive in both benefits and pricing, especially for certain occupations, and they have a 10% AMA discount available for doctors that aren't in residency/fellowship. If you're not a doctor, you can also get a 10% discount by purchasing a $1.5M term life insur...
by need403bhelp
Fri May 19, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Ohio National for disability insurance?
Replies: 10
Views: 475

Ohio National for disability insurance?

Thank you all for your past advice! I am currently shopping for own occupation disability insurance. I initially contacted an agent (agent A) recommended by another online forum that I trust. Agent A recommended a policy from one of the 6 own-occupation insurance companies (not Ohio National) based ...
by need403bhelp
Sun May 07, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 13
Views: 1207

Re: Public University (Texas) Retirement Options

For *most* people earning 270k+ annually, especially if early in their career, i would recommend going pretax as much as possible and only doing Roth if no alternative (e.g. Backdoor Roth IRA). However, some people do not come up with a planned savings rate, they just take a goal of 'maxing out X a...
by need403bhelp
Fri May 05, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 13
Views: 1207

Re: Public University (Texas) Retirement Options

Your TSA 403b can be Roth or pretax. That's the only one that has a Roth option. Thanks for the helpful information! For someone making $270k+, is there any reason to use the Roth option, when presumably one's income and thus tax rate in retirement will be lower? My understanding is that making thi...
by need403bhelp
Thu May 04, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 13
Views: 1207

Re: Public University (Texas) Retirement Options

If you are getting 270,000 or more in 2017, the ORP will put in $40,905. This leaves you with only $13,095 to put into the TSA 403b since you'll hit the $54,000 max. The problem is for example you put in your $18,000 into TSA early in the year. As your ORP gets to $36,000, it will stop because they...
by need403bhelp
Wed May 03, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 50
Views: 4365

Re: Which High-Yield Online Savings Account Should I Open?

Had Synchrony for 3+ years. Good interest. Haven't had problems. Don't mind waiting ?3 business days for ach transfers - it is my ef/long term savings, no need to access the money any quicker. Obviously, some banks have "nicer" (Ally) online interface, but Synchrony works (well) for me.
by need403bhelp
Wed May 03, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 13
Views: 1207

Re: Public University (Texas) Retirement Options

I am definitely interested in this as well. I will be starting at a participating institution (not my training program) in the fall. I was planning ORP almost for sure, as I can't guarantee that I'll be with the UT system long enough to see full benefits of TRS (although I haven't really researched ...
by need403bhelp
Wed Apr 05, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1852

Re: Advice on setting up a network-level VPN

I don't think $3 a month is a lot. They have advertising, billing, support and adminstrative costs on top of the infrastructure costs. If you (and others) started allowing a ton of traffic on digital ocean they would likely charge more or change their policy. Also, wouldn't you (as the administrato...
by need403bhelp
Wed Apr 05, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1852

Re: Advice on setting up a network-level VPN

I don't think $3 a month is a lot. They have advertising, billing, support and adminstrative costs on top of the infrastructure costs. If you (and others) started allowing a ton of traffic on digital ocean they would likely charge more or change their policy. Also, wouldn't you (as the administrato...
by need403bhelp
Wed Apr 05, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1852

Re: Advice on setting up a network-level VPN

That's fair & I respect your viewpoint. My point is that if you're paying Comcast $75/month and they're already making a solid profit on that business, I think they have less of a reason to sell your privacy for an additional $0.50/user/year or whatever they can get - risking your future & ...
by need403bhelp
Tue Apr 04, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1852

Re: Advice on setting up a network-level VPN

That's fair & I respect your viewpoint. My point is that if you're paying Comcast $75/month and they're already making a solid profit on that business, I think they have less of a reason to sell your privacy for an additional $0.50/user/year or whatever they can get - risking your future & ...
by need403bhelp
Fri Mar 24, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 740

Re: Bank mobile e-payment to another person. Good as it seems?

Chase Quickpay, SquareCash, Venmo, PayPal. All free. All secure. All work flawlessly. I use all of them. I use Quickpay to handle business from my Chase business checking account. My business also accepts PayPal. SquareCash and Venmo are easy for splitting the check. Doesn't PayPal charge a % and a...
by need403bhelp
Wed Mar 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 135
Views: 14109

Re: Capital One 360 $200 bonus

FYI, the offer language specifically excludes anyone who had an ING savings account. Call toll free number listed on promo and they will check whether you had one with your social - takes 5 minutes. I was glad that I did this as it turned out that I had one years ago.
by need403bhelp
Fri Mar 03, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2088

Re: Diamond earrings

Engagement ring purchased at jamesallen.com. I like their 20x view of the ACTUAL diamond you purchase so you can tell how imperfections actually look before you buy. In my experience, this allowed me to purchase a great diamond with confidence that I would not have had on blue Nike (as you can't see...
by need403bhelp
Fri Mar 03, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2088

Re: Diamond earrings

Engagement ring purchased at jamesallen.com. I like their 20x view of the ACTUAL diamond you purchase so you can tell how imperfections actually look before you buy. In my experience, this allowed me to purchase a great diamond with confidence that I would not have had on blue Nike (as you can't see...
by need403bhelp
Tue Feb 28, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 2601

Re: Store Important Documents Online?

I have been storing my important documents as encrypted PDFs (with a password required to open the document t). I store the 64 character (including 10 numbers and 10 special characters) password in my local 1Password vault (one password per document) and have that backed up (encrypted with my master...
by need403bhelp
Thu Feb 23, 2017 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: free credit reports
Replies: 12
Views: 1016

Re: free credit reports

freecreditscore.com owned by Experian, will give you fico model 8 and full experian credit report updated monthly for free. They want to upsell you to paid product so don't enter cc number and just decline each time you log in. Obviously creditkarma has Equifax and TransUnion reports updated weekly ...
by need403bhelp
Tue Feb 14, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 18084

Re: Sallie Mae Rewards MC being discontinued

Thanks for the data point on the Target card. I am hesitant to give over my checking account but now that I think about it I could use one of my seldom used ones. But I for sure don't want a Visa out of it. FYI, I am pretty sure that if you don't want to link to a bank account, you can use the rout...
by need403bhelp
Mon Feb 13, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

With my new FEIE knowledge, I played with TurboTax Deluxe 2015 and realized that we could have gotten ~$500 more back from the IRS if I excluded my DW's foreign income. I am thinking about filing a 1040X to get back the extra $500. Any reason why this is a bad idea? Thanks! EDIT: I went ahead and fi...
by need403bhelp
Mon Feb 13, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Ask the organization to send you a 1099-MISC so that you can fill out a Schedule C. Ok. So you are saying I can fill out Schedule C, deduct the travel expenses, and have a net negative loss? I thought the prior posters were saying that I cannot do that (e.g., "tax home" is the conference ...
by need403bhelp
Mon Feb 13, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Just received reply from medical specialty organization: "We did not send your 1099 for the past two years because it was below $600.00. If you need the 1099s’ for the past two years, I can forward it to you. Just let me know. For your last paragraph question, the misc. line is 7 as Nonemployee...
by need403bhelp
Fri Feb 10, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 18084

Re: Sallie Mae Rewards MC being discontinued

The minimum redemption amount on the new card is only $10.00. So when the rewards transfer over to the new card after March 1, one need not make additional purchases to bring up the rewards amount to $25. One can immediately cash out Where did you read that? It is in the letter that they sent us. I...
by need403bhelp
Fri Feb 10, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - which one? Small taxable account
Replies: 6
Views: 543

Re: Turbo Tax - which one? Small taxable account

If it bothered you why not just print and mail? $40 for the whole thing with complex logic versus $20 for saving the trouble of putting some printed pages in an envelope seems very lopsided. I'm just curious why efile has such a draw you were willing to pay but you were bothered enough to point it ...
by need403bhelp
Thu Feb 09, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Box 7 of 1099-MISC is usually reserved for compensation for services provided by nonemployees. In your case, the payment was more like an award because no service was really required. I think you should just report it as Other Income on Line 21 of Form 1040. Too bad you cannot deduct education rela...
by need403bhelp
Thu Feb 09, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Which box is the $500 shown in form 1099-misc? Per https://www.irs.gov/pub/irs-pdf/i1099msc.pdf , I believe that the amount, if it exceeds $600, would be reported on line 7: Examples.The following are some examples of payments to be reported in box 7. ... A fee paid to a nonemployee, including an i...
by need403bhelp
Wed Feb 08, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Which box is the $500 shown in form 1099-misc? Never mind, the $500 was paid by someone other than the employer. So, you may have income and the line to report depends on which box the $500 is shown. Your qualified education expenses are deductible to the extent that you itemize and that the total ...
by need403bhelp
Wed Feb 08, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

HueyLD wrote:Yes you can.


Ok. But I still have to report the $500 as "Other Income," correct? And I will only get a deduction for form 2106 if all of my expenses exceed 2% of AGI? (I leave line 7 blank as the reimbursements were NOT from my "employer," correct?)

Thanks!
by need403bhelp
Wed Feb 08, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

It look to me that you were an "employee" when convention expenses were incurred. If attending the convention is considered "qualified work related education," you can deduct the necessary expenses on Form 2106. By filling out form 2106, you can reduce the $500 reimbursement by ...
by need403bhelp
Wed Feb 08, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Re: Reporting "Attendance Grant" on taxes

Livesoft and verbose, thank you both for your helpful thoughts. It sounds like it would fall under the other income category for me, as I do not have any other "business" income (don't moonlight).
by need403bhelp
Tue Feb 07, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1279

Reporting "Attendance Grant" on taxes

Dear All: As a resident in a specific medical specialty, I attend a meeting of the specialty's society yearly. All residents who attend and send a W-9 ahead of time are given a $500 check at the meeting. The specifics of this check are as follows, per the letter that accompanied the request for the ...
by need403bhelp
Sun Feb 05, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5096

Re: Keep a Local Bank?

Cap one 360 is my primary account. They allow me to deposit cash and/or checks at their ATM OR in branch (just use deposit slip with account number).

I do still have an old credit union savings account with a $5 balance so that I can use their notary services.
by need403bhelp
Wed Feb 01, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12464

Re: Get $250 from Wells Fargo

I'm in that same $400 with Citi. They sent 3 separate packets because my name didn't match the IRS exactly (middle initial on my tax return, not on the Citi app). Delays in getting them money. I did qualify. Money got to them mid November and FIRST, the $15k had to be there for a month. The bonus i...
by need403bhelp
Tue Jan 31, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12464

Re: Get $250 from Wells Fargo

FYI, if you have not done the Chase $500 bonus I would by far recommend doing that first. Just closed out my account with them from doing bonus 6 months ago and it was a breeze. Also still in process of Citi s old $400 bonus (not available now) and it seems a lot of people had problems. I haven't re...
by need403bhelp
Tue Jan 24, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance policy questions
Replies: 24
Views: 2106

Re: Auto insurance policy questions

Medpay and PIP claims can be surchargeable, however they would be much more favorable than a BI claim. Handling commercial general liability claims, we had clients who preferred we paid medical expenses to their clients (think groceries, hotels, restaurants) regardless of fault or in the absence of...
by need403bhelp
Tue Jan 24, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance policy questions
Replies: 24
Views: 2106

Re: Auto insurance policy questions

4. Medical payments. Can be redundant if you have adequate health insurance. Are others often passengers (especially children)? We no longer carry it because our child(ren) are long away from home and we do not frequently carry other passengers. When our child(ren) were young, we had other children...
by need403bhelp
Mon Jan 23, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance policy questions
Replies: 24
Views: 2106

Re: Auto insurance policy questions

Thank you, all, for your comments and suggestions!
by need403bhelp
Mon Jan 23, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance policy questions
Replies: 24
Views: 2106

Re: Auto insurance policy questions

As I recall with my insurer (not Geico) the umbrella policy required minimum underlying coverages for the auto policy. There is no benefit to having higher limits on the auto once that is achieved. So if you purchase an umbrella that will likely determine the deductibles for your auto policy. +1 My...
by need403bhelp
Mon Jan 23, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance policy questions
Replies: 24
Views: 2106

Auto insurance policy questions

Dear All: I was reading all of the umbrella coverage threads and have become a little paranoid about my auto policy (which probably needs some redoing before I go on to things like an umbrella policy). I am a medical resident and will graduate at the end of July. Thus, am thinking more about potenti...
by need403bhelp
Mon Jan 16, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

She was a green card holder, but it doesn't seem to matter. They seem to use "resident alien" and "U.S. resident" interchangeably. Per the IRS in the link you cited: Example 2. When Bob and Sharon Williams got married, both were nonresident aliens. In June of last year, Bob beca...
by need403bhelp
Mon Jan 16, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

I don't know if I am just being too nit-picky, but my question is re the specific wording that we are treating my spouse as a "U.S. resident" rather than a "resident alien." To me, resident alien implies a green card holder, etc. while "U.S. resident" implies someone w...
by need403bhelp
Mon Jan 16, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

My wife and I filed MFJ (from overseas) and used the FEIE. The potential downside is if your wife's income is higher than the FEIE exclusion. You'd be liable for tax on that. Sorry, one more question - was your spouse a (a) nonresident alien whom you chose to treat as a resident for tax purposes or...
by need403bhelp
Mon Jan 16, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

If you're treating her as a US resident for tax purposes then she should be able to use the FEIE to exempt her foreign income providing she meets one of the two overseas residency tests. Setting up an IRA may require a phone call. Thanks for the heads up re phone call. Re FEIE, are you sure? Per ht...
by need403bhelp
Sun Jan 15, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

Re: IRA for spouse treated as US resident for tax purposes

If you're treating her as a US resident for tax purposes then she should be able to use the FEIE to exempt her foreign income providing she meets one of the two overseas residency tests. Setting up an IRA may require a phone call. Thanks for the heads up re phone call. Re FEIE, are you sure? Per ht...
by need403bhelp
Sun Jan 15, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRA for spouse treated as US resident for tax purposes
Replies: 10
Views: 782

IRA for spouse treated as US resident for tax purposes

I will try to make this short. My wife was on a J-1 with 2 year rule for her PhD. She has been in her home country for ~1.5 years now. She has a valid SSN and valid US address (mine, which we use for, e.g., our DHS correspondence). 2015 was the first year she was out of the country, and we elected t...
by need403bhelp
Sat Jan 14, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 28
Views: 10667

Re: One share of BRK.B for Geico discount?

Checked with customer service -> no additional discount for me.

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