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airahcaz

Got my car totaled by an uninsured driver, fortunately I was not injured. My uninsured coverage covered the car and also the deductible was waived because of the uninsured motorist. I am pretty sure I still would have been covered for the car under collision but I would have had to pay the deductib...

airahcaz

Checked with my health insurance and after a deductible the coverage is unlimited (worldwide), but that of course is only for me and any family members on the same policy.

airahcaz

ETF’s are hard to dollar cost average via monthly contributions cause of commissions.

Perhaps the most inexpensive way is to buy the Canadian brokerages index fund equivalent even though their MER is higher than the States?

airahcaz

Appreciate all the input.

My decision was the min $15K/$30K

Or the maximum $500K/$500K

Anything in between is only a few bucks

I’m guessing go max then, which will match my bodily injury limits

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? Especially if one has Personal Injury Protection , as well as Uninsured M...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? Especially if one has Personal Injury Protection , as well as Uninsured Mo...

airahcaz

Ok so what brokerage firm can a Canadian citizen and Canadian resident open in Canada to obtain something like a fidelity or vanguard or Schwab S&P500 index fund?

airahcaz

Relative is a Canadian Citizen and Canadian Resident and would like to open a non retirement brokerage account in Canada to start investing in a broad based index fund. Fidelity said they only service retirement accounts Canadian Residents Vanguard? TD? What's the next best place to look? Then, he'd...

airahcaz

Deck Remodelers only do top notch work with top materials, including LED lighting...

The pergola has an open and shut roof

airahcaz

The DW wants a new covered deck. Less than 500 sq ft will run $50-$70K in our northeast NJ area (either roof or equinox pergola).

Is a deck worthwhile? Anyone spend that dough and have zero regrets? Or have much regret?

airahcaz

.. GPS navigation on both is as lousy as it has ever been. It's super painful to find a destination you are just hazy about, so procedure is to find it on Google Maps and then somehow transfer that to the cars. One day, all cars will switch to Google maps... Apple CarPlay, which Toyota/Lexus/German...

airahcaz

I think this thread is convincing me more and more to look at 2019 ES or GS as a Boglehead for less

ES AWD would be impressive

airahcaz

And what if we looked strictly economically, purchasing either of these two 2018’s, but in 2020/2021 when used. Can we assume they’ll be close in costs?

What about maintenance and upkeep in years 3-10?

To answer other commenters, it’ll be a vehicle that will be kept for easily a decade+

airahcaz

I’ve had 1LS before as well as a 98 GS400 which is still running strong. Lexus reliability trumps both Tesla and Germans. Sticking to Lex vs Tes, there is a concern 5-10 years from now, where we can most likely predict how the Lexus will hold up both physically and in value. Tes is a bit of an unkno...

airahcaz

How about the one that costs less 2-3 years from now used?

airahcaz

5LS is of course refreshed look, there’s something to be said about that vs 4LS

It is a decision of electric vs ICE as well though

airahcaz

would avoid the tesla based on a family member's poor experience. But they are very different types of cars. Would get a 1-2 year old panamera CPO for sporty, or a preowned S Class 1 year old for luxury. Look at a 2017 Bmw 7 also. Lexus is nice for modern reliable sedan also. Ultimately, you cant g...

airahcaz

For 2018, both are mid $70’s, so wondering what the BH’s think....

airahcaz

Has it occurred to you that you might be in over your head on this? You have a rare situation that would stump many tax pros who don't handle this sort of matter on a regular basis. You're not going to find all the answers by looking up a few paragraphs in a publication and filling in some boxes on...

airahcaz

Apologies for bumping different threads, but there are different responders and wanted to understand how each person resolved their situation. Given what pub523 states here, if one qualifies for all exclusion criteria, namely no gain and selling a residence converted to a rental at a loss , then a ...

airahcaz

A good source of information is IRS Pub 523, Selling Your Home: https://www.irs.gov/pub/irs-pdf/p523.pdf When the depreciation is recaptured it is taxed as ordinary income. The maximum tax rate for the recapture is 25%. Apologies for bumping different threads, but there are different responders and...

airahcaz

Apologies for bumping different threads, but there are different responders and wanted to understand how each person resolved their situation. Given what pub523 states here, if one qualifies for all exclusion criteria, namely no gain and selling a residence converted to a rental at a loss , then a ...

airahcaz

Apologies for bumping different threads, but there are different responders and wanted to understand how each person resolved their situation. Given what pub523 states here, if one qualifies for all exclusion criteria, namely no gain and selling a residence converted to a rental at a loss , then a ...

airahcaz

Thanks. Is there some rule about this that I can reference? Does TurboTax Form 4797 need to reflect this or somewhere else, and how?

airahcaz

Hi Experts, hoping you can help with this scenario: The Facts: Personal residence purchased in 2007 for $730K Placed into rental service in 2012, FMV dropped to $500K Took Depreciation since 2012: say $60K Short Sold Property in 2017 for $565K Cancelation of Debt 1099-C from 1st and 2nd mortgages to...

airahcaz

That's the easy part. A quit claim through the county gets her name off the deed. A simple one page form. If a refi is the way it's going to go, no need to get her name off the current mortgage. Just don't have her name on the next one. Are the mom and other sisters okay with taking on 100k more de...

airahcaz

No tax situation that I'm aware of for the buyout scenario. Is that the plan, the others are going to buy her out? Will she also get her name off the deed then? How exactly will she get the $100k? This doesn't sound very well planned out if the main concern is just how to get her name off the mortg...

airahcaz

House worth $600K Remaining mortgage is $200K Thus equity about $400K The situation could be more complex. You also need to take taxes into account when you start talking about taking money out of the house. If this is something like a family home that has been owned for decades then the state and ...

airahcaz

Help please to get name off mortgage: 3 sisters and their mother are on Deed to house. Only one of the sisters and the mother are on mortgage. House worth $600K Remaining mortgage is $200K Thus equity about $400K The sister on the mortgage would like to remove her name from mortgage and take $100K ...

airahcaz

So $14K or under annually, no paperwork?

airahcaz

Am assuming it's ideal if both lawyers are from FL, but what if one of the spouses left and is staying in another state? not advisable at all to seek someone local?

airahcaz

Florida divorce document services: http://info.legalzoom.com/file-simple-divorce-florida-20432.html http://www.flcourts.org/resources-and-services/family-courts/family-law-self-help-information/family-law-forms.stml You may want to contact a reputable "legal document service" in Florida and ask how...

airahcaz

Florida divorce document services: http://info.legalzoom.com/file-simple-divorce-florida-20432.html http://www.flcourts.org/resources-and-services/family-courts/family-law-self-help-information/family-law-forms.stml You may want to contact a reputable "legal document service" in Florida and ask how...

airahcaz

so to be clear, 2 folks here stated that a form needs to be filled for any contributions per person over $14K? which starts a gift counter (up to the $5.4M)?

airahcaz

ok so maybe mediation, but perhaps each will want minimal legal representation to make sure everything is legit? suffice to say it cannot be the same lawyer?

airahcaz

For an elderly couple planning to part ways in FL, if amicable separation terms can be had, what is the easiest way to "settle"? They are both looking to avoid divorce lawyers and divorce court. Basically looking for an easy way to avoid legal fees and execute a simple divorce, such as possibly havi...

airahcaz

My decision is to buy 1 4000 lumens fixture or 2 2500 lumens ones for the same costs.

airahcaz

Hi -

2 LED light fixtures put out 1000 lumen each. Another single fixture puts out 2000 lumens.

Are they equivalent in brightness?

airahcaz

I'll let others answer your direct question as I believe there's a way to put 5 years' worth at once. Something he should consider, however, if the kid has any chance of financial aid and if the kid might go to a private school......I can say for sure that my son's private college financial form sp...

airahcaz

If a grandfather opens a 529 in his own name for the benefit of a grandchild, is there an annual limit to how much he can contribute besides the 529's annual state contribution limit? Meaning, is he limited to $14K to not trigger gift tax? It is, after all, still his own account...

Thanks

airahcaz

How long would it be before one can buy a new or used Tesla for under $30K? This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car. Well,...

airahcaz

At what point will a used Model S cross the new Model 3 price?

airahcaz

How long would it be before one can buy a new or used Tesla for under $30K? This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car. Well,...

airahcaz

How long would it be before one can buy a new or used Tesla for under $30K?

This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car.

airahcaz

Hi, I am in similar situation: This is my understanding. If you live in NJ and work in NYC, Though you get tax credit for NY state tax, you still end up paying tax for NJ. so essentially not much benefit. The problem is: now you are locked for NY 529 and cant move to different state 529 plan, as ny...

airahcaz

Not really "luxury" but still pretty nice; I buy used Lexus ES's that are 5-7 years old; they are at the optimal part of the depreciation curve, so they are relatively cheap; they are based on the Camry, so they are very reliable, and cheap to maintain. They drive smoothly (albeit boring) and they ...

airahcaz

mak1277 wrote:
airahcaz wrote:Entry level Rolex is no longer "around $5000"
Oyster Perpetual models can still be found around $5k new.

You're right. I was referring to entry level classic DateJust.

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