Search found 207 matches

by Pam01
Fri Sep 21, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7286

Re: Out of network care

OP, did you end up choosing Kaiser or another provider? How is it working out?

Thanks.
by Pam01
Thu Jan 04, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Specific Travel Question - USA to Belgium to Italy
Replies: 33
Views: 2210

Re: Specific Travel Question - USA to Belgium to Italy

Thank you ValueThinker. Yes, agree it makes more sense to fly to Naples in this case. Will check The Rough Guide and Rick Steves for specifics on airport transportation.
by Pam01
Wed Jan 03, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4679

Re: E-reader for ebooks - Pros and Cons

We read books and magazines easily downloaded from our local library using our ipads. Much prefer a multi-functional device like ipad rather than using a single function e-reader...too many devices make for charger chaos. An e-reader does not have to be charged as often though. A tablet probably ha...
by Pam01
Wed Jan 03, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4679

Re: E-reader for ebooks - Pros and Cons

I am an avid reader and love the convenience of e-books and e-readers. I love the Paperwhite. I do not have any experience with Voyage. The Paperwhite is light and easy to hold in my hand while reading. Most of my books are digital now and they go with me when I travel. I can even carry travel guide...
by Pam01
Wed Jan 03, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Specific Travel Question - USA to Belgium to Italy
Replies: 33
Views: 2210

Re: Specific Travel Question - USA to Belgium to Italy

Thanks for the feedback, TravelForFun.

I am planning to take bus or train from Naples Airport to Sorrento rather than renting a car. Anyone have experience with either of these modes of transportation from the Airport to Sorrento?
by Pam01
Tue Jan 02, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Specific Travel Question - USA to Belgium to Italy
Replies: 33
Views: 2210

Re: Specific Travel Question - USA to Belgium to Italy

Forgive me for gatecrashing this thread for a specific question on flying to Naples to get to Amalfi Coast. I will be flying from Barcelona to Italy in Spring and working my way north. Considering Naples' reputation, is it better to fly from BCN to Rome rather than BCN to Naples to get to Sorrento n...
by Pam01
Fri Dec 23, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth Strategies
Replies: 14
Views: 1067

Re: Backdoor Roth Strategies

AndrewXnn wrote: Another reason why I have not tried the Backdoor Roth, is that my 401(k) allows after tax contributions. So, I'm allowing those funds to accumulate.
Are you converting after-tax 401(k) contributions to Roth 401(k)?
by Pam01
Tue Dec 13, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Automated Vacuums - time savings?
Replies: 9
Views: 1306

Re: Automated Vacuums - time savings?

I consider vacuum cleaning a free aerobic exercise.

If you do not think of it as a chore, but reframe it as an exercise with health benefits, would that make it more tolerable?
by Pam01
Fri Dec 09, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Simple pedometer
Replies: 8
Views: 742

Re: Simple pedometer

An Omron pedometer (Omron HJ-320 or HJ-321) may be what he is looking for. It keeps 7 days of data and can simply be kept in the pocket to track steps. He'll have to initialize it with some data, such as height, weight etc and once he does that, he's good as long as the battery lasts.
by Pam01
Sun Nov 06, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting question
Replies: 7
Views: 1144

Re: Tax-loss harvesting question

livesoft wrote:A S&P500 index fund is NOT substantially identical to VTI nor to VV.
Thanks livesoft. S&P 500 index fund is not substantially identical to VV because they track different indexes (albeit large-cap indexes)?
by Pam01
Sun Nov 06, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting question
Replies: 7
Views: 1144

Tax-loss harvesting question

I am planning to tax-loss harvest Total stock market fund (VTI) to Large-Cap Index fund (VV). After 30 days, I plan to repurchase VTI. I also have a 401k that periodically purchases S&P 500 Index fund (a mutual fund, not an ETF). I see that VTI and VV are not substantially similar and can be used as...
by Pam01
Mon Oct 24, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Got Chase sapphire reserve credit card. Can I close C S preferred
Replies: 16
Views: 2853

Re: Got Chase sapphire reserve credit card. Can I close C S preferred

I already had a Chase Freedom and didn't need Unlimited as I have 2% cashback cards already. So I went ahead and closed CSP and got the annual fee refunded in full. The advantage of the Freedom Unlimited isn't redeeming for cash back, it's transferring to travel partners. Earning 1.5 UR per dollar ...
by Pam01
Thu Oct 20, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Got Chase sapphire reserve credit card. Can I close C S preferred
Replies: 16
Views: 2853

Re: Got Chase sapphire reserve credit card. Can I close C S preferred

I already had a Chase Freedom and didn't need Unlimited as I have 2% cashback cards already. So I went ahead and closed CSP and got the annual fee refunded in full.
by Pam01
Tue Aug 16, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 12940

Re: Fidelity Rewards Visa 2% cash back

I used to have a Fidelity 1.5% Visa card and a Fidelity 2% Amex card. Both were converted to Elan visa card recently. I was thinking of transferring the credit limit of 1.5% card to 2% card and close the former. Is there any reason to keep both that I haven't considered?
by Pam01
Thu Jul 07, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Small Law Survivor
Replies: 61
Views: 11006

Re: Advice for Small Law Survivor

Congratulations! It is a big decision and you must be relieved to have made it.
by Pam01
Wed Apr 13, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: e-Books/e-Magazines
Replies: 16
Views: 1463

Re: e-Books/e-Magazines

I have access to two excellent library systems that carry most of the books I want to read in e-book form (Kindle, Overdrive). If I cannot find a book, I can suggest it for purchase online and my libraries usually get them.
by Pam01
Mon Apr 04, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 10862

Re: Five Best National Parks to Visit?

I'm surprised no one has mentioned Mt. St Helens in Washington State. It is a National Volcanic Monument rather than a National Park. It is well worth the visit and is very close to Mt. Rainier. You can see the crater from 1980 eruption on the north side from Johnston Observatory or Windy Ridge. Wit...
by Pam01
Mon Apr 04, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 10862

Re: Five Best National Parks to Visit?

This summer, I will be traveling around the Western U.S. with some friends from Europe. They have created an optimal program to see as much as possible in two weeks. Among National Parks (NP) we will be visiting: - NP Joshua Tree - NP Death Valley - Badwater - Grand Canyon - South Rim - Monument Va...
by Pam01
Mon Apr 04, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay vs Mailed Check
Replies: 21
Views: 5594

Re: IRS Direct Pay vs Mailed Check

since i have no confidence in the government maintaing a secure system, i drive to the post office and mail a check. Using that argument, government is capable of losing your check. And that check contains the same information that you provide to Direct Pay system (routing number and account number...
by Pam01
Mon Apr 04, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay vs Mailed Check
Replies: 21
Views: 5594

Re: IRS Direct Pay vs Mailed Check

Thank you for the responses. Including confirmation number with the tax return is a good idea.

Nisiprius, I have a dedicated checking account for ACH pulls for a small number of payees.
by Pam01
Mon Apr 04, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay vs Mailed Check
Replies: 21
Views: 5594

Re: IRS Direct Pay vs Mailed Check

Bumping to hopefully get some responses.
by Pam01
Sun Apr 03, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay vs Mailed Check
Replies: 21
Views: 5594

Re: IRS Direct Pay vs Mailed Check

Having used eFile option with Turbo Tax for many years, I switched to H&R Block this year. I am considering mailing paper this year. However, I'd like to use Direct Pay to pay the tax owed rather than mailing a paper check to have the funds withdrawn from my bank account. Has anyone used this option...
by Pam01
Tue Mar 22, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

livesoft wrote:What I found helpful with the Instructions to Form 1116 was to cross out all the instructions that did not apply to my situation. That left very little to actually read.
Yes, Houseblend suggested something similar. I am going to follow that approach. Thank you!
by Pam01
Tue Mar 22, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

Thank you livesoft and houseblend for your responses. The way your question is phrased sounds like you are confusing two different issues. One is whether the dividends reported on your 1099-DIV are actually 100% foreign sourced. (And the answer is more like 99.99%. More about this below.) No, I was ...
by Pam01
Tue Mar 22, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

A followup question on Form 1116 and the amount to be reported in line 1. H&R conveniently tells you that if you have foreign capital gains or qualified dividends, you have to adjust line 1. Vanguard Total international does have qualified dividends. Instructions for line 1 of Form 1116 says: "If yo...
by Pam01
Fri Mar 18, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

Good to hear that you got through the form. By the way, this shows the problem with relying on tax software. In 2011, the last year with statistics available, only 3.9 million of 145 million tax returns had form 1116 attached. That's just 2.7% of returns. The software is going to have more bugs on ...
by Pam01
Fri Mar 18, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

This is my first year using H&R Block and the only area I have run into problems is with Form 1116. Didn't have problems with Part 1. It is the Part II that is posing problems for me. The only foreign income I have is from Vanguard Total Stock Market Fund's dividends. Identified the country as RIC,...
by Pam01
Fri Mar 18, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 15
Views: 3092

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

This is my first year using H&R Block and the only area I have run into problems is with Form 1116. Didn't have problems with Part 1. It is the Part II that is posing problems for me. The only foreign income I have is from Vanguard Total Stock Market Fund's dividends. Identified the country as RIC, ...
by Pam01
Tue Feb 02, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary "retirement"... any tips?
Replies: 9
Views: 1183

Re: Temporary "retirement"... any tips?

Voluntary resignation isn't on the COBRA-qualification list. In any event, COBRA isn't versus the Affordable Care Act. COBRA plans must comply with their namesake Consolidated Omnibus Budget Reconciliation Act, ERISA, and the ACA. PJW Voluntary resignation is indeed a COBRA qualification event if i...
by Pam01
Mon Jan 11, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Changing/Dual Citizenship
Replies: 17
Views: 2039

Re: Changing/Dual Citizenship

VictoriaF wrote:If you move to Italy as a German citizen, will you change your name to TomatePomodoro?

Best wishes,
Victoria
This made me laugh! Thanks Victoria. What a great way to begin monday morning.
by Pam01
Sat Jan 02, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1/2/16 Deal - H&R Block 2015 @ Amazon
Replies: 30
Views: 3363

Re: 1/2/16 Deal - H&R Block 2015 @ Amazon

For those of you without state tax requirements, you can purchase an H&R Block product without state tax option for $5 less. For example, Deluxe version without state tax option is $16.99 rather than $21.95 using the above Amazon link. I am going to go without a tax product and try PDF electronic fi...
by Pam01
Mon Nov 16, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and ACA
Replies: 15
Views: 2071

Re: HSA and ACA

Thank you for your replies and good advice. These plans are more clear to me now. I have a few final questions. To those who are currently using an HSA with a high deductible insurance plan, how happy are you with your decision? Have you saved on overall medical expenses? Any downside? Has anyone s...
by Pam01
Mon Nov 16, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and ACA
Replies: 15
Views: 2071

Re: HSA and ACA

I have used ACA in the past (an HPDP with HSA). The coverage worked the same as any other plan offered in the market place, with the exception that I was responsible for 100% of the charges until max deductible was reached as there were no copays. Coinsurance kicked in after deductible was met. For ...
by Pam01
Fri Oct 30, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Misc. budget for non-income producing spouse
Replies: 43
Views: 4428

Re: Allowance for nonworking spouse

Your wife would not really be "nonworking". She'd be taking care of your baby and would likely be doing more chores at home. Look at this way: if you both were working and hired out the chores and baby care, how much would would you be paying out of pocket? That is what your wife is saving you both ...
by Pam01
Sat Oct 17, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance - when to buy or not buy what?
Replies: 28
Views: 4172

Re: Rental car insurance - when to buy or not buy what?

Can someone expand on the Amex coverage? When do you pay that $20? The $20 ($19.95 to be precise) is charged to your Amex card after the card has been charged for the rental. It's a one time charge PER rental. Basically you pay for the rental using an Amex card enrolled in the premium insurance cov...
by Pam01
Fri Oct 16, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance - when to buy or not buy what?
Replies: 28
Views: 4172

Re: Rental car insurance - when to buy or not buy what?

I use Chase Sapphire Preferred which includes primary coverage on rental cars so nope, I don't get insurance from the rental company. Are you sure Chase Sapphire Preferred has primary coverage on rental cars? I have that card and according to its Visa signature benefits, CDW coverage is secondary. ...
by Pam01
Fri Oct 16, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance - when to buy or not buy what?
Replies: 28
Views: 4172

Re: Rental car insurance - when to buy or not buy what?

If you have an Amex card, Amex insurance offers a premium rental car insurance option for $24.95 per total rental period, up to 30 days I think. They take primary insurance position for collision damage to the rental. Not sure but I believe liability is not included. Its up to $50k or $100k I think...
by Pam01
Fri Oct 16, 2015 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance - when to buy or not buy what?
Replies: 28
Views: 4172

Re: Rental car insurance - when to buy or not buy what?

I use Chase Sapphire Preferred which includes primary coverage on rental cars so nope, I don't get insurance from the rental company. Are you sure Chase Sapphire Preferred has primary coverage on rental cars? I have that card and according to its Visa signature benefits, CDW coverage is secondary. ...
by Pam01
Fri Jun 12, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 9077

Re: What do you do to relax just after returning from work

I commute by bus and then usually walk home the last mile. Both of those activities are relaxing as I get time to read on the bus. By the time I reach home, I am already in a relaxed frame of mind.
by Pam01
Thu Mar 05, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 8605

Re: If you have $1 million...

Neither.

I would buy a new car only if I needed one (to replace a much older current car which is not reliable/has problems). If I had $X million, I'd spend some $s on experiences such as travel rather than "stuff". Research shows experiences make us happier than "stuff" ever does.
by Pam01
Fri Dec 12, 2014 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get collision insurance for your car?
Replies: 43
Views: 4790

Re: Do you get collision insurance for your car?

For those of you that dropped collision coverage due to driving clunkers, what do you do when you rent a car? Does paying with credit card ensure that credit card will cover collision damage to rental cars? Credit card coverage is secondary coverage when one has personal auto insurance, but does it ...
by Pam01
Tue Nov 11, 2014 9:07 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 9642

Re: What if I Never Buy a House?

It does sound like you know what you want out of life, know your likes and dislikes. Home ownership does not appear to be your thing and it does not have to be your thing unless you want it to be at some point in the future. I have owned and rented, but have rented much longer (after selling the hou...
by Pam01
Mon Nov 10, 2014 11:59 pm
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 5033

Re: Travelling Companions or small groups

How about finding some travel groups in your local area's meetup.com? I don't have personal experience traveling with such a group, but it may be a possibility to find people you may enjoy traveling with...

Pam
by Pam01
Thu Nov 06, 2014 10:40 am
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 3917

Re: What To Do With $85K Inheritance?

Since your husband appears reluctant for your inheritance to be used to pay off his student loan, you could just set aside all of it as rental emergency fund or pay off some of the rental property mortgage or a mix of both. You could also use part of the proceeds to treat you both for a nice vacation.
by Pam01
Thu Sep 18, 2014 1:34 pm
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 3705

Re: OBi110 -or- Ooma Telo for home phone service?

At my home (single family home), I disconnected the phone box connection to outside telephone wire. I then took the output from either the obihai or Ooma (one we use to connect to phone) and put that into the phone outlet in the room . Since all the phone outlets in the home are connected behind th...
by Pam01
Mon Sep 01, 2014 10:58 am
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 587065

Re: New 2% cash back Mastercard from Citi

What is the mechanism to redeem the cash back rewards for this new Citi 2% card? The Fido AmEx 2% card has auto-redemption into any Fidelity account - I love the way it works every month like clockwork. Does Fido Amex actually allow you to redeem every month no matter how many rewards points you ha...
by Pam01
Sun May 18, 2014 8:17 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 10869

Re: Question for renters that are happily renting..

Yes, I rent because I prefer that lifestyle. I owned a house a number of years ago, and like others, found the chores and responsibilities never ending. When I moved to a new town, I decided to rent for a while to become familiar with the area before buying a house. As time passed, I found I preferr...
by Pam01
Sat May 17, 2014 9:01 am
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 5355

Re: New Google Moto-E smartphone for $129

zed wrote:Slightly off topic
Republic Wireless becomes 50% More Frugal with the Moto G: A Review

Http://www.mrmoneymustache.com/2014/05/ ... vs-moto-g/
Sounds like one has to buy a Republic Wireless phone to use Republic wireless? Or can you use an unlocked phone with Republic wireless?
by Pam01
Mon Apr 21, 2014 9:54 am
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 20999

Re: If you have ACA health insurance, what is your experien

I have an ACA Plan with the same insurance company that I had my previous health coverage with. Not an HMO, but a PPO. The ACA plan covers all the providers as in-network providers that I normally saw before ACA. Changing to ACA hasn't made a difference in my case from the perspective of quality of ...
by Pam01
Sun Apr 06, 2014 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Allowable HSA Reimbursement
Replies: 2
Views: 462

Re: Allowable HSA Reimbursement

Thank you for the response. Yes, I read Pub 969 before posting my question.

It mentions "health". My question was, if "health" covers dental and vision premiums too or just medical?