Search found 43 matches

by MrJones
Thu Oct 19, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 16
Views: 2710

Re: just hit the two comma club today...some thoughts

Congratulations. Very inspiring to the folks here who are not in the traditional high earning professions.
by MrJones
Wed Oct 18, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 19
Views: 1500

Re: TD Ameritrade fund replacement

Slightly off topic, but anyone know if DRIP transactions from ETFs previously on the list will now be charged transaction fees?
by MrJones
Sat Oct 14, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 314
Views: 16059

Re: Fellow TDA bogleheads

Grt2bOutdoors wrote: ↑
Sat Oct 14, 2017 4:16 pm
No problemo, use Vanguard brokerage, Vanguard ETF's galore! :D
That's not an option for HSAs unfortunately.
by MrJones
Sat Oct 14, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Silly accounting question [How do I record these transactions?]
Replies: 7
Views: 748

Re: Silly accounting question [How do I record these transactions?]

Are you using single entry or double entry bookkeeping? If the former, it's as simple as someone said above. Use an extra column to track discounts. If you are anal at all, you would use double entry bookkeeping. It's almost built for tracking expenses in a way that can answer these questions easily...
by MrJones
Thu Oct 05, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4963

Re: Anyone go 100% Ally or another online bank for all banking needs?

Hundred percent Ally only for 7 years now and no issues. Once a year or so would wish I had a way to deposit cash mostly from Craigslist sales. But that's not worth the extra complexity of maintaining a secondary account.
by MrJones
Sat Sep 30, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7389

Re: What will happen if I refuse to pay a medical bill?

I ran into pretty much exactly the same problem many years ago to the tune of about $600. I too refused to pay for the principle of it. If every single person who ran into this situation refused to pay, the medical billing industry would learn their lesson pretty quickly. Just a note here, you aren...
by MrJones
Sat Sep 30, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7389

Re: What will happen if I refuse to pay a medical bill?

Just to mention, as well, I don't think I've seen many health insurance products that have ZERO out-of-network benefits. Perhaps you haven't met your deductible. If so you probably would have owed that same amount anyway. Just wanted to point out this is not likely correct because in-network rates ...
by MrJones
Sat Sep 30, 2017 12:47 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7389

Re: What will happen if I refuse to pay a medical bill?

That really sucks. Been there. For $345, nothing significant will happen to you at all if you don't pay. The medical office will send you a bunch of bills and eventually sell your debt to a collector for pennies on the dollar. The collector will send you a bunch of nasty letters but not much more be...
by MrJones
Fri Sep 01, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12396

Re: 2 comma club (my way)!!

If you don't mind, are you salaried, consulting, or a business owner? And if you really feel like sharing, what general field are you in? Please feel free to ignore these questions.

Congrats!
by MrJones
Sun Jul 16, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3884

Re: what's your secret to cleaning inside car windows?

MarkBarb wrote:What is "newspaper"?
Once upon a time, they used to print out the internet every morning.
by MrJones
Sat Jul 08, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: plus and minus signs on sweep transactions VG Brokerage account
Replies: 7
Views: 779

Re: plus and minus signs on sweep transactions VG Brokerage account

Thanks OP for posting the question and summarizing your findings. At some point I had this question too and I never got around to answering it until now.
by MrJones
Thu Jul 06, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 12696

Re: Seeking advice on 1.2m house purchase

Rent with a shorter commute. Life is too short. I wonder if the HGTVification is to blame. House Hunters and the like show people "fulfilling" their dreams buying their "dream house". To go backwards and jeopardize financial security for a house with a long commute. I just don't get it sometimes. +10
by MrJones
Sat May 20, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3930

Re: Bad experience with 'rescuing' a lost dog

jnet2000 wrote:From one dog lover, thank you.


+1
by MrJones
Fri May 19, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 9513

Re: Resigning from a job: best practices and advice?

You're feeling guilty, and you've conjured up a situation that likely will not play out. When you give notice, the conversation will likely not go "how long have you known? Did you take vacation knowing you were just coming back to quit? How could you do that to us?!?!?" I've never once h...
by MrJones
Wed May 10, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Why rollover to active 403b?
Replies: 7
Views: 625

Re: Why rollover to active 403b?

If you currently or in the future plan to the backdoor roth, then rolling over into a rollover Ira will conflict with that. In this case, your current employer's 403b is the only viable target.
by MrJones
Thu May 04, 2017 12:31 am
Forum: Forum Issues and Administration
Topic: My notifications are -1
Replies: 11
Views: 1998

Re: My notifications are -1

If you had your notification overdraw feature turned off, this would not have happened.

I always try hard to never read more notifications than I have.
by MrJones
Wed May 03, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 4169

Re: GEICO discount for Berkshire Hathaway shareholders

Premium did not change after adding the shareholder affiliation and Freelancers affiliation. Oh well, was worth a try.
by MrJones
Tue May 02, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 551

Re: How to efficiently move HSA funds from one custodian to another

Whether there is a check or not does not determine whether it is a trustee-trustee transfer or a rollover. What determines that is whether the funds are in your possession or not. In fact, many trustee-trustee HSA transfers are just like 401k transfers. The previous HSA administrator will mail a ch...
by MrJones
Sat Apr 29, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 551

How to efficiently move HSA funds from one custodian to another

I'm wanting to move HSA funds from Optum Bank to a new custodian. The process is a lot more complex and murkier than I'd imagined. Apparently, "transfer" and "rollver" are two ways to do it. The former directly moves the funds from custodian to custodian, while a rollover means a...
by MrJones
Tue Apr 18, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3198

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

OP here. Update: I wrote a detailed letter. On (1), I carefully documented the painting issues, which show that they were all wear and tear, and cited the law on this. On (2), I sent a reasonable estimated backed up by photos. I didn't push on (3). I promptly got back a 100% refund for (1) (which ha...
by MrJones
Tue Apr 18, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

OP here. An update: I obtained an "MrJones' income is greater than XX" letter from my employer which satisfied the rental. XX was some 15% greater than their requirement threshold.

IMHO, this should be the standard procedure. Anyway, thanks everyone!
by MrJones
Tue Apr 18, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

They just want to verify that all adults have sufficient income should something happen to the other . I absolutely won't rent with out income verification and all adults to sign thr lease. I don't understand your objection at all. Neither do I! OP here. I agree with both of you! Where we perhaps d...
by MrJones
Thu Apr 06, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3198

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

denovo wrote:
denovo wrote:How many years did you occupy the unit and yes it matters.


A year and two months.
by MrJones
Wed Apr 05, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3211

Re: Buying House with Odor (not cigarette)

Wow, this thread. The agreement is strong on this one!
by MrJones
Tue Apr 04, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3198

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Thank you all. I'm definitely going to send a letter citing the appropriate laws as clutchied said. One important thing I didn't mention is, I moved to a larger apartment within the same set of apartments. Ironic because one would think this would be an advantage, but it isn't. I'm wondering if the ...
by MrJones
Tue Apr 04, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3198

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Thanks everyone for the responses so far. They are responsible for normal wear and tear. They are responsible for cleaning carpets unless you stained them. You are responsible for cleaning but it sounds like this is a standard tactic they are using. Most people just go with it. These charges are com...
by MrJones
Tue Apr 04, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3198

Security deposit issues upon rental move-out. Or, how do I not get ripped off?

So upon moving out, I got charged a hefty sum from my rental deposit. There are at least three parts that I find very unreasonable. 1) Painting: I can see no difference in paint, but the apartment management claims they need to paint several walls of the apartment, and will thus charge me for it. Wh...
by MrJones
Tue Apr 04, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1461

Re: Where to borrow a moving cart from

Thanks so much everyone. Lots of good ideas here! I ended up renting from homedepot as dsinvestor and adamsmythe recommended. As both of you and others said, the cart was comfortable to use. For others' reference, the other options as people mentioned above include buying a cart from home depot, and...
by MrJones
Tue Apr 04, 2017 2:49 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: 4213

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

California law requires a payout upon leaving. In many other states, this is not a requirement, unfortunately.
by MrJones
Mon Mar 27, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1461

Where to borrow a moving cart from

I'm helping a friend move some two doors down. A cart like this, perhaps larger and sturdier might simplify the process. Not wanting to purchase one for a single time use, any ideas on where I can borrow one from? I'm sure most office buildings and such have one, but is there a person to ask and way...
by MrJones
Tue Mar 21, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

I guess I don't get why it is okay to give your wife's salary but you are so against giving yours. If it is a joint application, of course they want both. In this particular case, wife worked a partial year, and so based on that, they have no idea what her actual salary is (gave them a W2). But mor...
by MrJones
Tue Mar 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

I guess I don't get why it is okay to give your wife's salary but you are so against giving yours. If it is a joint application, of course they want both. In this particular case, wife worked a partial year, and so based on that, they have no idea what her actual salary is (gave them a W2). But mor...
by MrJones
Tue Mar 21, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

As we discuss often here, income means very little without knowing expenses. You could have a 6 figure income and live paycheck to paycheck. They shouldn't be allowed to ask open-ended questions on personal information. If they have some silly qualification threshold in mind, they should just ask, ...
by MrJones
Tue Mar 21, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

rob wrote:If you want to take the risk... go with I'm contractually prohibited from disclosing this information to non-HR parties.


I like this the best. I'll try it, thanks.
by MrJones
Tue Mar 21, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

Depends on the rental laws in your area. If you live in an area with rent and eviction controls they may want verification of your income in order to determine if you can cover the cost of the rental in the event your partner loses her job. Similarly they what if you divorce your partner and choose...
by MrJones
Tue Mar 21, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Re: Salary / employment verification

Thanks so much everyone for all the views and suggestions.

Update: so I found out they've already qualified us for the rental, and we've completed signing the leases. They still need proof (of employment and/or salary, it's not clear) before we move in.
by MrJones
Mon Mar 20, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2633

Salary / employment verification

So a rental place wants to know my salary. This is unnecessary because my spouse's salary, which they already have proof for, more than covers their threshold for the rental. I'd rather not have my salary filed with every place I rent from. I tried politely asking why they really needed it, and they...
by MrJones
Sun Mar 19, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 468

Re: CA HSA dividends tax reporting

Thanks for the confirmation Artsdoctor.
by MrJones
Sat Mar 18, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 468

Re: CA HSA dividends tax reporting

Thanks Kaneohe, that helps. I was mainly wondering what others do because filing out any forms just seemed wrong. But it sounds like that's what happens in practice.
by MrJones
Sat Mar 18, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: IRS moving expense deduction and home offices
Replies: 3
Views: 486

Re: IRS moving expense deduction and home offices

Did you claim office-in-home expenses? Did you receive travel expenses when you went to the main office once a quarter? Either of those might help establish where your old job was. Thanks, that's helpful. I never claimed home office expenses because it seemed like too much trouble for too little. I...
by MrJones
Sat Mar 18, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: CA HSA dividends tax reporting
Replies: 4
Views: 468

CA HSA dividends tax reporting

I have an employer sponsored HSA account with Optum. The money there is invested in a Vanguard S&P 500 mutual fund, and I earned dividends on it last year. I understand I have to pay taxes on this income in California. However, Optum sent me no tax forms pertaining to the dividends. Is this norm...
by MrJones
Sat Mar 18, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS moving expense deduction and home offices
Replies: 3
Views: 486

IRS moving expense deduction and home offices

Hi Bogleheads, Long time lurker here. I'm trying to figure out how the IRS moving expense deduction works in the context of home-office employees. I was a home office employee with company A, which had its branch office about 200 miles from where my old residence. I used to go to the branch office s...