Search found 30 matches

by solargod007
Thu Sep 24, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7750

Re: Annual oil changes a must? Car maintenance during these times

The regular oil change interval is only half about the oil. The other big thing is having someone give a once over on how much brake material is left, if the brake fluid is starting to discolor, any bulges are forming in radiator hoses, and stuff like that. (This is another reason why most quick lu...
by solargod007
Wed Sep 23, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How to use family HSA
Replies: 8
Views: 726

Re: How to use family HSA

1. Add coverage for one kid under HDHP plan ( assuming she only has to add ONE dependent to be eligible to contribute max HSA for family ( her employer matches 500$ for individual and 1000$ for family HSA). Yes, that assumption is correct. 3. Its not clear if my wife HAS to choose the HSA company o...
by solargod007
Wed Sep 16, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Will and living trust
Replies: 7
Views: 667

Re: Will and living trust

Regarding guardians, you also should discuss your choice with those you want to designate. It isn’t a responsibility that everyone is willing to take on. Even if a living trust isn’t appropriate, your attorney will recommend setting up a trust via your will for the assets that your children would i...
by solargod007
Wed Sep 16, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Will and living trust
Replies: 7
Views: 667

Re: Will and living trust

We did ours this year. Used employer provided legal benefit plan (~60$/year) to get these 3 documents: A Will, Durable Power of Attorney (POA) for Finance, Durable Power of Attorney for Healthcare. The attorney we worked with suggested we didn't need a revocable living trust.We have beneficiaries in...
by solargod007
Wed Sep 16, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 28
Views: 4145

Re: when you say 'rent forever'

(1) In NYS, Some apartments allow lease break: on a 12 month lease, if you stay for 4 months and provide 2 month notice(then, on 6th month), you pay a month rent as fee/penalty and move out. Check if you have any of these type of special clauses with your leasing office/in your lease agreement. Also...
by solargod007
Wed Sep 09, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 128
Views: 6463

Re: Please help me, need to buy a computer

No. Each specific model is completely different in terms of "fragility." For example my latest Dell's case cracked within months of me buying it due to a design deficiency and my lack of realizing it needed super-careful handling. right; then this complicates choice even more for me... Would you sa...
by solargod007
Mon Sep 07, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

Your broker sounds like they know what they're doing, and it's great that you already have a policy in place. [snip] I hope this isn't beyond the forum's rules on medical advice, but please just get the treatment that works best for you, regardless of how it might be processed in the black box of i...
by solargod007
Sat Aug 29, 2020 9:17 am
Forum: Personal Investments
Topic: Fidelity 401k to Vanguard 401k direct rollover not possible?
Replies: 19
Views: 1150

Re: Fidelity 401k to Vanguard 401k direct rollover not possible?

I switched jobs a few months ago and opened a new 401k with Vanguard at my new employer. My previous employer used Fidelity for the 401k. I wanted to consolidate my old 401k into the new one with Vanguard, but when I called Vanguard about this (3 different times), every time they told me that they ...
by solargod007
Thu Aug 27, 2020 8:58 pm
Forum: Personal Investments
Topic: Roth vs 529 for College Savings with 6 year timeframe
Replies: 11
Views: 589

Re: Roth vs 529 for College Savings with 6 year timeframe

Hi everyone, a little late to the game for college savings but I think I finally have some of my savings in order so we can start moving some of our extra money to college savings. I have twins age 12 who are 6 years from attending college. I expect both of them to go to University and I am okay wi...
by solargod007
Wed Aug 26, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Parents coming from India US medical insurance needed for six months
Replies: 8
Views: 1084

Re: Parents coming from India US medical insurance needed for six months

Ninja wrote: Sun Aug 23, 2020 3:55 pm Parents coming from India for six months US medical insurance needed ...any advice would be very helpful thank you !
Check insubuy.com, patriot america plans.. heard from few friends they are good (both price/service). (No direct experience)
by solargod007
Mon Aug 24, 2020 8:42 pm
Forum: Personal Investments
Topic: Which sites to use for financial news and watchlist tracking
Replies: 28
Views: 1867

Re: Which sites to use for financial news and watchlist tracking

Not for news, for general investment/learning:
Bogleheads
Humbledollar
by solargod007
Mon Aug 24, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16817

Re: Do you talk to your friends/family/coworkers about this stuff?

I really wish someone had educated me about these things a decade ago. However I know talking about money/finances is generally frowned upon socially so most people don't. Do you guys try to educate or talk to your social circle about these things? Why or why not? EDIT: Additional question for the ...
by solargod007
Mon Aug 24, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: We received a request to reset your Facebook password.
Replies: 22
Views: 1356

Re: We received a request to reset your Facebook password.

I've received this email 2 days in a row. I didn't request it. Should I be concerned? I let them know where it says, Didn't request this change? If you didn't request a new password, let us know. Time to use a password manager? -from a fresh 1password user. (So far happy with the convenience. It to...
by solargod007
Tue Aug 18, 2020 6:09 pm
Forum: Personal Investments
Topic: For people who don't like their employee provided HSA - why not open elsewhere?
Replies: 39
Views: 2667

Re: For people who don't like their employee provided HSA - why not open elsewhere?

I have healthyequity HSA provided by my employer which has higher fees vs something like Fidelity HSA. I combed through the threads and a lot of people feel the same way about healthequity it seems. The solution seems to do periodic trustee transfers to something like Fidelity HSA or lively every c...
by solargod007
Mon Aug 17, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA Provider for Rollover
Replies: 31
Views: 1331

Re: Best HSA Provider for Rollover

Recently opened a Fidelity HSA and initiated a transfer through Fidelity to move money from Health equity (current employer's choice). Health equity charges .033% investment fee (monthly) on top of the fees charged by fund. I had to liquidate the investments in Health equity and transfer was as cas...
by solargod007
Sat Aug 15, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA Provider for Rollover
Replies: 31
Views: 1331

Re: Best HSA Provider for Rollover

Hi all, I switched from an HSA to a PPO plan at work recently, and now I have an orphan HSA account with > $30K. It currently resides with HSA Bank, and most of the money is directed to TD Ameritrade via HSA Bank for my investing. I was happy with this arrangement, but now that I'm no longer contri...
by solargod007
Fri Aug 07, 2020 11:26 am
Forum: Personal Investments
Topic: 529 Investment Change??
Replies: 5
Views: 560

Re: 529 Investment Change??

I currently have my son's 529 plan with Fidelity in the Unique (New Hampshire) plan. It has a balance of $60,000 and he will be a Senior in high school this year. The good news (actually I think it's great news) is, he was approved for a program that allows him to take all of his Senior HS classes ...
by solargod007
Thu Aug 06, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which job references to give?
Replies: 9
Views: 708

Re: Which job references to give?

Get recommendations from the people who knows you well in your LinkedIn profile - your ex boss, current boss(?), current/ex coworkers if you trust them. Thats a good place to start.
by solargod007
Wed Aug 05, 2020 8:11 pm
Forum: Personal Investments
Topic: 529 plan | H1B Visa holder
Replies: 16
Views: 1498

Re: 529 plan | H1B Visa holder

You can open a Roth IRA (if you are eligible) and fund it with the money you are planning to invest in 529 plan and let it grow. If you move back home, you can withdraw the Roth IRA contributions without any penalty ( but the earnings will be taxed) after 5 years. I think this is the best case for y...
by solargod007
Sat Jul 25, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: How to welfare for kid if both parents die?
Replies: 3
Views: 660

Re: How to welfare for kid if both parents die?

You need these 3-4 documents: A Will, Durable Power of Attorney (POA) for Finance, Durable Power of Attorney for Healthcare ( & may be revocable living trust?). If you/your spouse have any legal benefit plan through work, use them now. If not, contact local lawyers and get a quote for them.You can a...
by solargod007
Thu Jul 23, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Career / education Choices— Which Way to Go?
Replies: 6
Views: 786

Re: Career / education Choices— Which Way to Go?

Good evening all, This might not be the best forum for a question like this, but y’all seem to be a rather sophisticated and experienced group of people so I thought I would ask for some advice— I’m a high school teacher who wants to go to graduate school in the next 1-2 years. I would prefer to tr...
by solargod007
Thu Jul 23, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning docs
Replies: 23
Views: 1543

Re: Estate Planning docs

In my opinion probably needed, probably worth it, should not be done without professional help. I don't know about "all". It depends on your personal circumstances, and the law in your state. We own our home jointly, have wills, durable powers of attorney for property, and durable powers of attorne...
by solargod007
Mon Jul 13, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8970

Re: Helping my nephew out of his rut

I am absolutely certain there are no substance issues with this nephew (unless you count video games, which maybe I should). I think it is more a lack of life skills, possibly some arrested development and some lack of motivation. This is day one and he has already responded positively and taken fi...
by solargod007
Mon Jul 13, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Western Union (alternatives to...) - send money to Indonesia
Replies: 15
Views: 751

Re: Western Union (alternatives to...) - send money to Indonesia

I use(d) Xoom.com to send money to 2 different countries. I see Indonesia in there too. It was acquired by Paypal few years ago. (You'll need to provide your SSN, bank account information to setup the account and make transfers).. Its pretty fast and costs $2.99 for a transfer in the amount of below...
by solargod007
Mon Jul 06, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Options on Will Creation
Replies: 19
Views: 1494

Re: Options on Will Creation

Yes I do recognize, I should have stated or included that needing a trust to me meant needing a lawyer. Appreciate the responses and it seems prudent to take the following actions -Draft up quick will for guardianship - legalzoom or other -Make sure beneficiary designations are setup with spouse, t...
by solargod007
Fri Jul 03, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14476

Re: Hopeless Civil Engineer

Thanks for everyone's input. I realize saying I'm hopeless may come across as a really snobby thing to say but that really wasn't my intention. Am I grateful for the job security geotechnical/civil engineering has offered me over the past decade? of course. Am i happy that my job allows me to trave...
by solargod007
Wed Jun 24, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?
Replies: 65
Views: 2545

Re: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?

Another option is to get the new SE. it’s the size of the iPhone 7, so a little smaller than your 7+. But it has the new camera and internals, with the Touch ID sensor. $400... + if you trade in your iphone 7 plus, you'll get 150$ off: 250$ for iphone SE is a good deal (considering the support for ...
by solargod007
Wed Jun 24, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: AWD van or no AWD but with winter tires?
Replies: 89
Views: 4485

Re: AWD van or no AWD but with winter tires?

Hello BHers, my wife and I are looking at purchasing a new minivan. We live in the Midwest area and deal with snow/ice quite a bit of the year. We travel quite a bit and have another kid on the way. Our most common destination is Texas (hills west of Austin as that is where my parents live), but we...
by solargod007
Wed Jun 24, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a PMP and is it worth it?
Replies: 38
Views: 3726

Re: Cost of a PMP and is it worth it?

Keep in mind that PMI is rolling out a new version of the test on January 1, 2021. You’ll want to read up on the changes before diving into studying if you don’t think you’ll take the test before this date. I’m not sure how current course/study offerings will change. I just passed the PMP earlier t...
by solargod007
Sat Jun 20, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2178

Re: Moving/Selling House Stuff

We used ABF, about 5 linear feet of space, the minimum, for some smaller items. Worked well, they dropped a trailer, we put stuff in there and it arrived safely at our destination. The only things we moved were some of our newborns new furniture items and a couch, on top of small daily living items...