Search found 7175 matches

by RickBoglehead
Tue Aug 03, 2021 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Construction Home: What to watch out for?
Replies: 4
Views: 434

Re: New Construction Home: What to watch out for?

Easements will show on the deed and in a title search.
by RickBoglehead
Tue Aug 03, 2021 5:26 pm
Forum: Personal Investments
Topic: What benefit does reaching Flagship status give me?
Replies: 67
Views: 5480

Re: What benefit does reaching Flagship status give me?

I pay $30 for TurboTax each year. I think it's amazing that Fidelity gives it for free if you give them millions of dollars. :oops: :twisted:
by RickBoglehead
Tue Aug 03, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance coding/billing for annual preventive physical
Replies: 41
Views: 1382

Re: Insurance coding/billing for annual preventive physical

:? American healthcare is insane. Both patients and providers are to blame. I use a concierge doctor because I don’t want to have to figure out how many billing codes can dance on the head of a pin. How does using a concierge doctor change anything? I used a concierge doctor for a couple of years an...
by RickBoglehead
Tue Aug 03, 2021 3:31 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 55
Views: 3206

Re: Should I buy a new PC vs upgrade

I have to chuckle at some of these responses. The OP is running Windows 7, which became obsolete years ago. Some people are recommending the OP switches to Linux, or even a Raspberry Pi, because the OP has shown a desire, and ability, to be at the forefront of technology and discovery... :oops: The...
by RickBoglehead
Tue Aug 03, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 55
Views: 3206

Re: Should I buy a new PC vs upgrade

I have to chuckle at some of these responses. The OP is running Windows 7, which became obsolete years ago. Some people are recommending the OP switches to Linux, or even a Raspberry Pi, because the OP has shown a desire, and ability, to be at the forefront of technology and discovery... :oops:
by RickBoglehead
Tue Aug 03, 2021 10:42 am
Forum: Personal Finance (Not Investing)
Topic: (Yet another) 529 question: Room & board when living at home
Replies: 6
Views: 431

Re: (Yet another) 529 question: Room & board when living at home

billfromct wrote: Tue Aug 03, 2021 10:19 am And you’re going to claim the rental income on your Federal & state tax return, right?

bill
It's not income. It's funds used to offset the expense of the child living at home.
by RickBoglehead
Tue Aug 03, 2021 10:32 am
Forum: Personal Investments
Topic: Transferring 457(pretax in-kind from NYSDCP to Vanguard)
Replies: 19
Views: 1010

Re: Transferring 457(pretax in-kind from NYSDCP to Vanguard)

My concern is that the check deposited at Vanguard should go into my IRA as intended, not taxable account. I have both at Vanguard, and with recent threads on poor customer service, it will be a tax-disaster if it gets deposited in the Taxable account When you deposit the check, you select the acco...
by RickBoglehead
Tue Aug 03, 2021 9:32 am
Forum: Personal Investments
Topic: Transferring 457(pretax in-kind from NYSDCP to Vanguard)
Replies: 19
Views: 1010

Re: Transferring 457(pretax in-kind from NYSDCP to Vanguard)

All Now that I will be retiring in 4 days, here is why I am following up to revisit this posting I need to liquidate my assets, filling out the form will make the custodian liquidate my assets for me, I like to time and control my exit date. 45 days since separation, NYSDCP will send a check to my ...
by RickBoglehead
Tue Aug 03, 2021 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding Estimator for Multiple Jobs
Replies: 2
Views: 174

Re: Tax Withholding Estimator for Multiple Jobs

Checking W2 withholdings isn't the issue. You're incurring tax liability on multiple fronts. Your best bet is to utilize last year's tax software to estimate this year's tax obligation taking these things into account. If this is vastly different than last year, and higher, you can simply take advan...
by RickBoglehead
Tue Aug 03, 2021 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Dead tenant, house is a mess
Replies: 35
Views: 7678

Re: Dead tenant, house is a mess

Thanks for the responses. According to neighbors this tenant was sick for a long time. A hazmat team will start removing all debris, carpets and furniture. We will consult with an attorney before we sell the house. Insurance will pay for the hazmat team and for vandalism. There is a deductible. Ins...
by RickBoglehead
Tue Aug 03, 2021 7:28 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 479
Views: 27525

Re: VG Removing Message Center [Vanguard]

What do Vanguard's competitors current provide for email-like text messaging? Oddly enough I still have a working login at Fidelity NetBenefits account (former employer's 401k) although I long since withdrew everything in it and it just says "account information temporarily unavailable." ...
by RickBoglehead
Tue Aug 03, 2021 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return Not Processed?
Replies: 14
Views: 1289

Re: Tax Return Not Processed?

Our Bank filed our Tax, refund from State, owed the feds. mailed a check in Feb and STILL not cleared the bank... But did get a letter from IRS about non payment....So we paid about $100 more electronically and cancelled the check... You should consider using one of the three ways to pay the IRS on...
by RickBoglehead
Tue Aug 03, 2021 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying lot from developer, use agent, questions…
Replies: 16
Views: 1179

Re: Buying lot from developer, use agent, questions…

Let’s assume they will pay an agent commission, do you think an agent will add value to the process? I find it reassuring that I can have someone drive by and check on construction progress when I live 1,500 miles from the build site. Or at least that the builder knows I could do that. Also, real e...
by RickBoglehead
Mon Aug 02, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: I really want a car but don't need one: Please help
Replies: 41
Views: 3037

Re: I really want a car but don't need one: Please help

1) Yes
2) No. Get a low rate.
3) No
by RickBoglehead
Mon Aug 02, 2021 8:26 pm
Forum: Personal Consumer Issues
Topic: Cutting/optimizing household electric usage
Replies: 24
Views: 1311

Re: Cutting/optimizing household electric usage

OP can call his electric company to understand usage vs fixed costs, and what is controllable vs not. You pay for kWH in multiple categories like generation, distribution, etc. While fans are less usage than AC, still costs money. A dehumidifier is like running a refrigerator. Your utility company M...
by RickBoglehead
Mon Aug 02, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Parent death...immediate things to do?
Replies: 20
Views: 2840

Re: Parent death...immediate things to do?

1) POA ends at death as you said. Cannot use bank accounts unless joint. Cancel credit card immediately, advise them of death. In an ideal world, just before passing, a POA would pull funds to cover these things. 2) Don't worry about it. You will file a 2021 tax return, and a 2020 if needed, once an...
by RickBoglehead
Mon Aug 02, 2021 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Please help victim of fraud
Replies: 33
Views: 2361

Re: Please help victim of fraud

I don't see how the police will be able to help. The equivalent is that someone dressed up as your friend, asked you to give them $1,000 cash, and you did. They deceived you. Cops aren't going to get to work on that one either. That's irrelevant. What's relevant here is that a crime was committed. ...
by RickBoglehead
Mon Aug 02, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roast our budget
Replies: 51
Views: 2838

Re: Roast our budget

Family of 4. We are in our mid-30's and 2 kids under 5. Both of us work and total salary is 850k. Live in MCOL metro. Total Expenses per month: $8755 Fixed Expenses Rent 2000 Internet 75 Cell Phone Bill 115 Car+Renters+Umbrella 85 Garderner 130 Car Payment (0% Interest) 815 Electric+Gas+Water+Garba...
by RickBoglehead
Mon Aug 02, 2021 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Please help victim of fraud
Replies: 33
Views: 2361

Re: Please help victim of fraud

Well... if you felt particularly evil, you could try to string along your scammers for fun, aka "scambaiting". Email them back to check on how the gift cards went and tell them that there's more where that came from if they need it. Don't let on that you know they're scammers--pretend the...
by RickBoglehead
Mon Aug 02, 2021 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Roast our budget
Replies: 51
Views: 2838

Re: Roast our budget

What's the purpose of roasting this budget?
by RickBoglehead
Mon Aug 02, 2021 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Please help victim of fraud
Replies: 33
Views: 2361

Re: Please help victim of fraud

You should report this to the police, but both companies have said the right answer - you approved the transaction. This is a well-known scam. You can appeal to the credit card company, and ask Apple to disable the cards, but they probably already have been used. NEVER RESPOND TO ANY TEXT MESSAGE, O...
by RickBoglehead
Mon Aug 02, 2021 11:27 am
Forum: Personal Consumer Issues
Topic: Roof leak - Do home insurers keep records of your calls asking if you should place a claim?
Replies: 5
Views: 719

Re: Roof leak - Do home insurers keep records of your calls asking if you should place a claim?

If you call your insurance company and tell them about an existing leak, then in the future make a claim that is related to that leak (i.e. you didn't fix the problem), then yes, they would be expected to use that to deny your claim. You have a leak. Roof leaks would be covered if they cause damage,...
by RickBoglehead
Mon Aug 02, 2021 11:24 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 151
Views: 6675

Re: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?

I just hope OP doesn't short something out on the new control board, hook up a thermostat wrong or do something that causes more problems than it solves (and likely not covered by the Trane warranty). I said this earlier. IMO, OP needs to stop screwing around with things and make the HVAC company f...
by RickBoglehead
Mon Aug 02, 2021 11:02 am
Forum: Personal Consumer Issues
Topic: EV charging solutions in dense urban environs
Replies: 80
Views: 4133

Re: EV charging solutions in dense urban environs

In these parts there are always EV's plugged in at the schools & municipal buildings after hours and on weekends... I guess with the remote work, people cannot charge at their office. I think it's a disgrace but seems to be tolerated... Before you make a judgement, check into the policies of th...
by RickBoglehead
Mon Aug 02, 2021 8:29 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 479
Views: 27525

Re: VG Removing Message Center [Vanguard]

Perhaps every Boglehead that has an account at Vanguard can log in and then post what they see because that will provide.... :oops:
by RickBoglehead
Mon Aug 02, 2021 8:27 am
Forum: Investing - Theory, News & General
Topic: Heads up for GE stock owners.... [Reverse stock split]
Replies: 13
Views: 2032

Re: Heads up for GE stock owners....

How to boost share price in a dying company... Sad. :-|
by RickBoglehead
Mon Aug 02, 2021 8:25 am
Forum: Personal Consumer Issues
Topic: How to put an offer for an item that's already reserved?
Replies: 15
Views: 1383

Re: How to put an offer for an item that's already reserved?

He refused. Beyond telling him of your interest, that's that. If the original buyer doesn't buy, then he knows you are interested.
by RickBoglehead
Mon Aug 02, 2021 8:24 am
Forum: Personal Investments
Topic: Advantages of consolidating to one broker?
Replies: 13
Views: 1415

Re: Advantages of consolidating to one broker?

Pretzel lover wrote: Mon Aug 02, 2021 7:03 am I was actually thinking of going the other way. Diversifying away from one broker due to the concern of hacking and having all my eggs in one basket.

Thoughts on security risk of having one big vs. smaller investment hordes (or is that a separate thread)?
Many threads already discuss this.
by RickBoglehead
Mon Aug 02, 2021 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Dead tenant, house is a mess
Replies: 35
Views: 7678

Re: Dead tenant, house is a mess

This would be an appropriate time to talk with your attorney. Depending upon your state laws, the death of your tenant may or may not end the landlord/tenant relationship. Whether and how you go about having the house vacated and how to file a claim against the decedent's estate are all questions t...
by RickBoglehead
Mon Aug 02, 2021 7:09 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 479
Views: 27525

Re: VG Removing Message Center [Vanguard]

What bothers me a lot is a) the clumsy way this was done, and b) the feeling that it is part of a pattern . The pattern is the abrupt withdrawal of a service provided for decades, with almost no advance notice, no coherent explanation, and no alternative suggested. I perceive a disrespectful "...
by RickBoglehead
Mon Aug 02, 2021 6:36 am
Forum: Personal Consumer Issues
Topic: People who live in the Denver area -- how bad is the air quality, really?
Replies: 28
Views: 3351

Re: People who live in the Denver area -- how bad is the air quality, really?

I meant the fact that Denver has air pollution problems. By the way, been in SLC in winter when an inversion happened. Not pretty. Which pollution and when? Over time Denver area has had lower particulate pollution than its region (SW), the Western region, and the nation as a whole https://www.denv...
by RickBoglehead
Mon Aug 02, 2021 6:29 am
Forum: Personal Consumer Issues
Topic: People who live in the Denver area -- how bad is the air quality, really?
Replies: 28
Views: 3351

Re: People who live in the Denver area -- how bad is the air quality, really?

Really? We ski out west, and this has been a well publicized issue for as long as I can remember, i.e. 40+ years. :?: Western region as defined by EPA (CA+NV) averaged 14/9/11 for the metric and timeline posted above. I meant the fact that Denver has air pollution problems. By the way, been in SLC ...
by RickBoglehead
Sun Aug 01, 2021 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Share net worth details with kids when filing FAFSA or CSS?
Replies: 8
Views: 1038

Re: Share net worth details with kids when filing FAFSA or CSS?

No.

Financial data never went on any application our kids filled out...
by RickBoglehead
Sun Aug 01, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Should I buy an extended warranty on my Ford C-Max plugin?
Replies: 16
Views: 927

Re: Should I buy an extended warranty on my Ford C-Max plugin?

My Googling says 20 mile range. You may be at 70% or lower. The dealer can test the battery and definitively answer the question.
by RickBoglehead
Sun Aug 01, 2021 7:12 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 151
Views: 6675

Re: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?

I ran to lowes to get a dumb thermostat but I don't think this will work Also grabbed a replacement nest (same model) Says heating only? https://www.lowes.com/pd/Honeywell-Round-Mechanical-Non-Programmable-Thermostat/1000061961 Stop. Do not use that thermostat. It tells you exactly what it is for, ...
by RickBoglehead
Sun Aug 01, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: People who live in the Denver area -- how bad is the air quality, really?
Replies: 28
Views: 3351

Re: People who live in the Denver area -- how bad is the air quality, really?

hunoraut wrote: Sun Aug 01, 2021 3:00 pm unless this is a recent phenomenon, i'd never thought of or heard of such concerns when i lived there. beautiful air and beautiful climate pretty much year round.
Really?

We ski out west, and this has been a well publicized issue for as long as I can remember, i.e. 40+ years. :?:
by RickBoglehead
Sun Aug 01, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: Should I buy an extended warranty on my Ford C-Max plugin?
Replies: 16
Views: 927

Re: Should I buy an extended warranty on my Ford C-Max plugin?

Thank you RickBoglehead for your thoughts. Maybe it would be wasted money. That's why I'm posting here, to hear the pros and cons. The standard warranty is 8 years, which ends this month. I don't live in CA. I'm guessing there would be at least one qualifying repair of at least $1500 in the next 6 ...
by RickBoglehead
Sun Aug 01, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the model 3?
Replies: 9
Views: 1322

Re: Sell the model 3?

j9j wrote: Sun Aug 01, 2021 6:22 pm If you are not directly trading in the 3 for the Y then get some offers from car max, caravans etc. I would be willing to bet their offers would be higher. Thanks
This ^^^

Do you only get one estimate from any service provider?
by RickBoglehead
Sun Aug 01, 2021 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Updating will & trust; lawyer retired
Replies: 11
Views: 1372

Re: Updating will & trust; lawyer retired

IANAL A trust can be amended with ... amendments. I have a family member with at least 4 of them. You can easily specify the changes in beneficiaries and trustees via amendments, just make sure that in the case of trustees that if the original successor trustee had to sign something accepting the ro...
by RickBoglehead
Sun Aug 01, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 167
Views: 16862

Re: [Spouse recently passed away. Please help me handle his financial matters]

Does anybody know how the automatic deduction from pay checks counts towards not-having-a-penalty when you convert money to a Roth IRA and may owe taxes that year? Specifically, someone posted, I think, that a monthly deduction shileds you from being charged a penalty later, but I have not started ...
by RickBoglehead
Sun Aug 01, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Should I buy an extended warranty on my Ford C-Max plugin?
Replies: 16
Views: 927

Re: Should I buy an extended warranty on my Ford C-Max plugin?

mhalley wrote: Sun Aug 01, 2021 4:57 pm I have no experience with extended auto warranties. I would just cite Clark Howard (who is agnostic on them) but does recommend if you purchase one it MUST be from the auto manufacturer, not a 3rd party.
Which is what he quoted...
by RickBoglehead
Sun Aug 01, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Should I buy an extended warranty on my Ford C-Max plugin?
Replies: 16
Views: 927

Re: Should I buy an extended warranty on my Ford C-Max plugin?

Your PHEV may have lost some capacity months battery, and you may be incorrectly judging that based on the paltry electric only range it has. The standard battery warranty is 8 years or 100,000 miles, in California it may be 10 years (see manual). Hybrid batteries rarely fail. Warranties have specif...
by RickBoglehead
Sun Aug 01, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this wise?
Replies: 106
Views: 8676

Re: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this w

Only a joint account owner may change beneficiary designations and only unilaterally once the other owner is dead. Either way, if it's a joint account it goes to the survivor first who can then do whatever they want with it. The solution to the problem of the survivor altering the plan is a testame...
by RickBoglehead
Sun Aug 01, 2021 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this wise?
Replies: 106
Views: 8676

Re: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this w

Only a joint account owner may change beneficiary designations and only unilaterally once the other owner is dead. Either way, if it's a joint account it goes to the survivor first who can then do whatever they want with it. The solution to the problem of the survivor altering the plan is a testame...
by RickBoglehead
Sun Aug 01, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this wise?
Replies: 106
Views: 8676

Re: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this w

I don't know what you're looking at specifically... Fidelity PDF form: https://institutional.fidelity.com/app/proxy/content?literatureURL=/740568.PDF web interface: accessible after logging in so i can't give a link. I could not find any text on Fidelity's web page that says the two are equivalent....