Search found 150 matches

by focusedonwhatmatters
Mon Jan 13, 2020 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse diagnosed with cancer. Financial steps?
Replies: 38
Views: 5876

Re: Spouse diagnosed with cancer. Financial steps?

I am so, so sorry. I lost my husband when I was 41, my kids 5 and 9. Try to spend what time you have making memories. Most things have been covered in other responses, but two I didn't see mentioned: Order at least a dozen death certificates. They are required by far more organizations than I ever i...
by focusedonwhatmatters
Sun Dec 08, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Startup expense tax question
Replies: 1
Views: 252

Startup expense tax question

I am starting a new business for a product line I invented. In 2019 I formed my single-member LLC and have startup expenses of ~$15K. My products won't be available until 2020, so in 2019 I have $0 in revenue. I also have no other income other than investments. Can I hold off on deducting the $15K s...
by focusedonwhatmatters
Sun Dec 08, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 529 withdrawl of principal due to scholarship tax question
Replies: 13
Views: 1350

529 withdrawl of principal due to scholarship tax question

If I withdraw principal from a 529 equal to the amount my son received in scholarships this calendar year, my understanding is there is no penalty, no state or federal income tax due, and no state tax deduction recapture. How is the principal withdraw reported for tax purposes? Is the principal with...
by focusedonwhatmatters
Mon Dec 02, 2019 7:32 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vanguard [12-1-19]

I just spoke with customer service who told me a server had crashed and it is affecting certain parts of the country. They are working around the clock but still have no estimate on when it will be repaired.
by focusedonwhatmatters
Mon Dec 02, 2019 5:26 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vanguard [12-1-19]

mortfree wrote:
Mon Dec 02, 2019 3:58 pm
Personal.vanguard.com

That’s how I could login just now using google chrome.
That did not work for me. Absolutely nothing loads.
by focusedonwhatmatters
Mon Dec 02, 2019 2:45 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vanguard [12-1-19]

After logging in once on my laptop yesterday, today I am unable to. I was able to get in on the app, but I can't see all my accounts.
by focusedonwhatmatters
Mon Dec 02, 2019 9:33 am
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vanguard [12-1-19]

iPhone app just let me login. Seems like a trolling post every so often (esp weekends) and always about vanguard. mortfree, with all due respect, please consider that real people (such as me) had an actual problem, and in the absence of any explanation from the organization (Vanguard), and being un...
by focusedonwhatmatters
Sun Dec 01, 2019 5:17 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vanguard [12-1-19]

After a dozen or so attempts today, I'm finally able to log in on my computer.
by focusedonwhatmatters
Sun Dec 01, 2019 2:46 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else unable to log in to Vanguard today 12/1/19?

I did not have any issues today logging onto website or app. There’s another thread started today about a log on problem: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=296400 homestretch, thanks for the link. Before I posted this topic I did a search to see if anyone else had an issue with V...
by focusedonwhatmatters
Sun Dec 01, 2019 2:28 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else having trouble getting into vangaurd

I also can't log in on my laptop or phone, but just downloaded the app and it worked. :confused
by focusedonwhatmatters
Sun Dec 01, 2019 2:26 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Re: Is anyone else unable to log in to Vanguard today 12/1/19?

Thanks dur808, the app worked. I'm flummoxed as to why I can't login otherwise.... :confused :confused
by focusedonwhatmatters
Sun Dec 01, 2019 2:20 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2927

Is anyone else unable to log in to Vanguard today 12/1/19?

[merged this post and its replies into existing topic - moderator prudent]

I've tried to log on using multiple browsers on different devices and can't get in. Is it just me?
by focusedonwhatmatters
Fri Nov 15, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1717

Re: Productizing an idea

But then, my concern with premature knock-offs is dilution of the product idea resulting in poor quality early experiences that would affect adoption. Crowdsourcing sites such as Kickstarter and Indigogo are known to be trolled by people looking to knock off products. These folks potentially have g...
by focusedonwhatmatters
Fri Nov 15, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1717

Re: Productizing an idea

There was a great "Planet Money" episode. Listen to it or Episode 724: Cat Scam about the husband-and-wife entrepreneurs who developed the "Ripple Rug," a play toy for cats, that was ripped off. The "Planet Money" episode wasn't about how the Ripple Rug was ripped off, it was about how middlemen dr...
by focusedonwhatmatters
Wed Nov 13, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1717

Re: Productizing an idea

by focusedonwhatmatters
Sat Sep 14, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5046

Re: Calling all iPhone SE Bogleheads

Here's hoping Apple sees this thread and moves forward with the rumored SE2. I want a better camera but not a bigger phone.
by focusedonwhatmatters
Mon Jun 17, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for business bank account for LLC?
Replies: 24
Views: 2038

Re: Recommendations for business bank account for LLC?

Quirkz,

I'm curious which bank you went with, and what your experience has been.

Thanks in advance,

fowm
by focusedonwhatmatters
Wed Apr 17, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 73
Views: 4921

Re: Washing Machine that uses a LOT of Water

Does anyone have a problem with bed sheets getting twisted, tangled, and wadded?
by focusedonwhatmatters
Mon Mar 18, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7342

Re: How to buy a mattress

Can negotiations be made on online mattress sites? I'm leaning toward Nest Bedding. The highest coupon code I've found is 8% off or ~$125.
by focusedonwhatmatters
Sun Feb 03, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 204
Views: 35788

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Does anyone know if this BoA Cash Rewards Card has something similar to the Citi Price Rewind for product purchases? I can't find anything about that on their website.

Thanks in advance,

fowm
by focusedonwhatmatters
Sun Jan 27, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2879

Re: Waterpik

Long-time Oral-B and Waterpik user. The game changer for me is Cocofloss:

https://cocofloss.com
by focusedonwhatmatters
Mon Jan 07, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 3317

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

https://www.sheex.com I can only speak toward the Original Performance Sheex series. They stay cool and have lasted years. I also have Sheex and they do sleep cooler much better than any other sheet I have tried over the years. This is important to me since I "sleep hot". They aren't really soft th...
by focusedonwhatmatters
Mon Jan 07, 2019 12:07 am
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 3317

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

I would buy several and return what you don’t like. Bamboo sheets have gotten good ratings. There is a brand I’ve seen on tv that looks good: Sheex. I’m not very picky. I just like them to be cool. I’ve had good luck with Costco and 5 star review sheets on Amazon. I would not recommend this strateg...
by focusedonwhatmatters
Sun Jan 06, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 3317

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

https://www.sheex.com

I can only speak toward the Original Performance Sheex series. They stay cool and have lasted years.
by focusedonwhatmatters
Sun Dec 30, 2018 5:48 pm
Forum: Personal Investments
Topic: Last day of TLH for Year 2018
Replies: 9
Views: 1423

Re: Last day of TLH for Year 2018

Is Dec. 31 the last day of TLH for year 2018? If the market goes down further on Dec. 31, should I harvest more loss for this year? I have a lot Cap gain distribution this year from active funds. Short answers. Yes and yes. So it is the Trade Date that matters, not the settlement date. Thanks. A be...
by focusedonwhatmatters
Thu Dec 20, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma about 529 and computer
Replies: 7
Views: 816

Re: Dilemma about 529 and computer

I don't think this expense during the last month or two college is any less legitimate than in the first month or two. If a computer were purchased after finals of her last semester, that would be a different story, but up until then I think it's valid.
by focusedonwhatmatters
Thu Dec 20, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 3004

Re: Tips for a cold bedroom above a garage?

Thanks for all the replies! I have a range of options. We are considering turning our deck into a master bedroom suite and our GC did suggest radiant heat. I am guessing radiant heat can't easily be put on existing floors. Maybe even a space heater is fine as suggested. This room may be turning int...
by focusedonwhatmatters
Fri Nov 30, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2592

Re: Vacation for single parent and 2 teens: Belize or where?

Although you say you want international, you also say you want something simple. I'll put in a plug for the big island of Hawaii. To me, Hawaii is a good mix of easy (no currency changes, no safety concerns, no driving concerns, no language barriers), but also a different cultural feel. Other islan...
by focusedonwhatmatters
Fri Nov 30, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2592

Re: Vacation for single parent and 2 teens: Belize or where?

Although you say you want international, you also say you want something simple. I'll put in a plug for the big island of Hawaii. To me, Hawaii is a good mix of easy (no currency changes, no safety concerns, no driving concerns, no language barriers), but also a different cultural feel. Other island...
by focusedonwhatmatters
Fri Nov 30, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 13
Views: 2413

Re: Damage caused by roofer, what are my options?

To wrap up this thread, I first researched the requirements for small claims court. While I don't trust the roofing company is able to make the repairs to industry standards, it is necessary in my state to put my demand in writing and give the company a chance to repair their defects. Next I sent a ...
by focusedonwhatmatters
Fri Nov 30, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Children's Books for Gifting
Replies: 16
Views: 917

Re: Children's Books for Gifting

Presumably they are reading in school, so I don't need the classics that might be required reading. And when I was combing thru various "top picks" lists, I thought there was a lot of, uh, inspirational books, or fantasy or science fiction books. And maybe that's where I need to go? But what about ...
by focusedonwhatmatters
Fri Nov 30, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Children's Books for Gifting
Replies: 16
Views: 917

Re: Children's Books for Gifting

Great gift!

Here are some ideas from youngest to oldest:

Dr. Suess's "ABCs"
Any of the Eric Carle books
Any of Laura Numeroff's Mouse books
"Make Way for Ducklings"
Any of Mary Pope Osborne's Magic Tree House chapter books
Harry Potter series
Expanse series
by focusedonwhatmatters
Thu Nov 08, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 13
Views: 2413

Re: Damage caused by roofer, what are my options?

Thank you for all the responses. The repair job has increased to over $4,000 as the damage was more extensive than I could see from the ground. This bid may go up if further damage is revealed once they get in there. I am writing a letter to the owner of the roofing company -- which I will both emai...
by focusedonwhatmatters
Thu Nov 08, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 2082

Re: College graduation gift amount

Thank you for all the responses!
by focusedonwhatmatters
Wed Nov 07, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 2082

College graduation gift amount

What is a typical cash gift for your child's BS?

Thanks in advance!
by focusedonwhatmatters
Fri Nov 02, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 13
Views: 2413

Re: Damage caused by roofer, what are my options?

Thanks for all the responses. I will hire another company for the repairs, then file a complaint with the BBB. If I don't get anywhere with the BBB, I'll try small claims. I called my insurance company who said they couldn't help me since the claim was paid and closed. My insurance company suggested...
by focusedonwhatmatters
Fri Nov 02, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 78
Views: 7525

Re: What does the BH community do with their pets when they travel?

Petsitter works best for us. Neighborhood teen stays at the house. Dogs freak when you take them somewhere and drop them off. This. It can be hard to find that right person. We've used nieces and nephews in the past. Most recently we've had success using Nextdoor to find nearby young adults who don...
by focusedonwhatmatters
Thu Nov 01, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 13
Views: 2413

Damage caused by roofer, what are my options?

Two years ago I hired a local roofing company with an A+ BBB rating to do a large roofing project which was covered by my homeowner's insurance. Included in this project was replacing a copper hood that abutted some stonework. They chiseled out the mortar around the stones by the copper hood, as wel...
by focusedonwhatmatters
Sat Oct 27, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 5402

Re: Vehicle recommendations for long commutes in CO mountains

Or would it be better to have a nice weather car and a bad weather back up? Hate to have another vehicle as we currently have 3 and 3 active drivers in the household. Keep in mind that in the mountains of Colorado, you can go from a forecasted nice weather day to a sudden bad weather day without wa...
by focusedonwhatmatters
Sat Oct 27, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 7928

Re: Car battery?

removed
by focusedonwhatmatters
Mon Oct 15, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 2104

Re: Kids and Money

Congratulations on your upcoming baby! This is more of a parenting question than a financial question. Your unborn child's first jobs will be controlling their neck, crawling, walking, talking. S/he will work hard at this, with your encouragement and teaching. S/he will continue to work to work upon...
by focusedonwhatmatters
Mon Oct 15, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Gift for two of four grandchildren
Replies: 18
Views: 2423

Re: Gift for two of four grandchildren

[/quote]

$15k per person per year. So Grandma can give $15k to the Dad and $15k to the Mom without consequences.

But even if it were over the annual limit, it then simply lowers the lifetime exemption which is ~$5 million.
[/quote]

I am widowed.
by focusedonwhatmatters
Mon Oct 15, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Gift for two of four grandchildren
Replies: 18
Views: 2423

Re: Gift for two of four grandchildren

A single check of $25K would have tax consequences for the parents of both of the grandkids... What kind of tax consequences? Why can't she make the gifts now and put the proceeds in a UGMA account? Is her estate over $5 million and therefore there are gift/estate tax consequences? Gill Isn't the a...