Search found 946 matches

by SRenaeP
Thu Nov 14, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Will I be audited?
Replies: 51
Views: 4229

Re: Will I be audited?

Your chance of being audited in person is so low as to be non-existent. Your chance of a receiving a mail audit is higher but not significantly so. If everything you are doing is aboveboard and easily documented via receipts and letters, then audit insurance is a waste. +1 I'm also bunching charita...
by SRenaeP
Mon Nov 11, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Rental Property? What do you think?
Replies: 5
Views: 538

Re: Refinance Rental Property? What do you think?

The closing costs seem a bit high. Who is the lender? Check Provident Funding, AimLoan and PenFed to get a better feel for what's reasonable.

I'm also considering refi'ing a rental mortgage. The current rate is close to yours and I haven't seen anything I feel is worthwhile for a 30 yr fixed.
by SRenaeP
Wed Nov 06, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6242

Re: Airbnb - Guide a beginner

The line between Airbnb and other accommodation aggregators has blurred, especially for high-end listings. You can often find the same listing crossposted across multiple platforms. My best, most price-efficient stays have all been in Airbnb listings. That said, if you are older and have become acc...
by SRenaeP
Mon Nov 04, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6242

Re: Airbnb - Guide a beginner

I second many of the other warnings about Airbnb. That said, I've used VRBO for years with no issues. In my experience, VRBO properties are run more professionally than Airbnb and I haven't heard of anyone having the egregious issues that Airbnb has.
by SRenaeP
Wed Oct 30, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4692

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

Freshly is strictly heat up in microwave, i.e., no other prep? Yes. It comes in a plastic bowl/tray that has plastic wrap on top just like a supermarket frozen dinner. I will note that because the meals are 'fresh', the instructions say not to freeze and they have a relatively quick (5 days IIRC) u...
by SRenaeP
Wed Oct 30, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4692

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

I recently started using Freshly (as in my first order came last week). So far it seems to be a nice variety of meals and decent tasting (some have been better than others). While I don't think the food is blatantly unhealthy, I'm a little dismayed at the amount of cholesterol and sodium in most of ...
by SRenaeP
Mon Oct 28, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking Expenses using Quickbooks?
Replies: 6
Views: 314

Re: Tracking Expenses using Quickbooks?

Microsoft Money Sunset Edition. It is no longer supported so you can't auto import transactions but it will do what you're asking.
by SRenaeP
Fri Oct 25, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and landlord
Replies: 6
Views: 808

Re: Taxes and landlord

Fellow Bogleheads I am a landlord in the US & outside the US. In the US i pay the HOA, insurance, and property taxes but the utilities are paid by the renter. Usually outside the US in this particular country the tenets pay the HOA, and utilities. Taxes are paid by the landlord. Dont have insurance...
by SRenaeP
Thu Oct 24, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Treasurer Software Recommendation?
Replies: 21
Views: 1704

Re: HOA Treasurer Software Recommendation?

I'd also like to register interest in an answer to this as treasurer of a small 4-unit HOA. Also, OP, don't mean to barge into your thread, but what do you folks do for an autopay solution for dues? I wonder if Cozy.co or a similar service intended for landlords would meet your needs. I'm on the la...
by SRenaeP
Thu Oct 10, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1583

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

Hubby and I are in a similar situation and we have individual insurance. There are a ton of married couples at our megacorp and all that I've talked to opt for separate plans even after kids. Spouse 1 + kids and Spouse 2 individual is less costly than a Spouse + family plan. Read the fine print for ...
by SRenaeP
Thu Oct 10, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: extra $2000/month?
Replies: 14
Views: 2857

Re: extra $2000/month?

I would prioritize paying off my home before a rental regardless of the interest rates. That said, I would probably split the money between a taxable account and paying off my home mortgage.
by SRenaeP
Thu Oct 10, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9536

Re: Do you carry your passport with you during international travel?

I leave it hidden in my hotel room but not the safe as I figure that's the first place someone would look if they want to steal something. However, I travel with my Global Entry card as ID if needed. Pretty sure your global entry card has no relevance to anyone outside the US (except CATSA in Canad...
by SRenaeP
Thu Oct 10, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3771

Re: Married with Separate bank accounts

Separate accounts. We used to also have a joint account but it was just one more thing to reconcile/track so I closed it. We keep separate accounts because we have differing money styles. DH gets nervous if he doesn't have thousands of dollars in checking. He wants to be able to cover anything witho...
by SRenaeP
Thu Oct 10, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9536

Re: Do you carry your passport with you during international travel?

I leave it hidden in my hotel room but not the safe as I figure that's the first place someone would look if they want to steal something. However, I travel with my Global Entry card as ID if needed.
by SRenaeP
Thu Oct 10, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8868

Re: highly compensated employee (HCE) Time bomb?

So what it seems like I am being told is that this really is a complete shot in the dark. It's not really it ignore it because it's a first world problem or that I shouldn't plan ahead. It really is just that it can randomly kick in next year when she makes $140k or some promotion at $200k or anywh...
by SRenaeP
Wed Oct 09, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8868

Re: highly compensated employee (HCE) Time bomb?

If I'm a diligent saver maxing my 457 out at (currently) under 100k and in a few years I break 120k (or 130k due to inflation) my ability to drop to next to nothing since my employer's 457 plan had moderately high fees and no match so very little participation. Is this correct? This does not seem t...
by SRenaeP
Mon Oct 07, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Replacing Furnace Pressure Switch
Replies: 7
Views: 722

Re: Replacing Furnace Pressure Switch

Since you don't have the original switch, search online to verify he installed the correct part. We had a similar situation and the issue was that the wrong part was installed. The original part only had one hose port and he installed a part that had two. I suspect it may have been a 'universal' par...
by SRenaeP
Thu Oct 03, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Advice for hiring a cleaner/cleaning company
Replies: 10
Views: 1119

Re: Advice for hiring a cleaner/cleaning company

You will likely be better served by finding an individual/family that does cleaning in private home rather than dealing with a company that hires minimum/lower wage employees who may change from week to week. +1 We use a woman recommended by an acquaintance. I don't like anyone at our house if one ...
by SRenaeP
Mon Sep 16, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Options for travel emergencies - AAA, Amex, travel agencies, etc.
Replies: 14
Views: 855

Re: Options for travel emergencies - AAA, Amex, travel agencies, etc.

So, there's one proximate travel situation that concerns me - my kids (ages 14-20) traveling with their elderly grandparents (but not mom and me) to England this winter. But beyond that particular, I'm thinking about how one might deal with a travel emergency, either domestic or international, and ...
by SRenaeP
Mon Sep 16, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8251

Re: Managing joint finances when one is a perfectionist

So, it really is just the organizational bits of it we are figuring out. We've agreed to stop thinking about it as "his money" or "my money" and to think about everything as "our money" - but what this means in practice needs some ironing out. For example, I can't simply call the credit card compan...
by SRenaeP
Fri Sep 13, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 2682

Re: Best Triathlon Bike?

Thanks for the replies. Some answers I could go up to 8K for a faster bike. Cervelo P3X looks very cool. As far as training for 70.3, I recently got an online coach and that has made all the difference for me. I am beating times from 11 years ago (I am 60). Long rides / bricks on weekends but weekd...
by SRenaeP
Thu Sep 12, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Overshooting Your Number and Discounting Your Starting Balance
Replies: 13
Views: 1429

Re: Overshooting Your Number and Discounting Your Starting Balance

We plan to FatFIRE at 25x. I don't have any desire to overshoot our number but am pretty conservative so have a few fail-safes. We won't have a mortgage going into retirement so virtually all of our spending will be discretionary and can be adjusted at will. We have a small amount of rental income c...
by SRenaeP
Thu Sep 12, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I should payoff low rate variable interest student loan
Replies: 3
Views: 286

Re: Help me decide if I should payoff low rate variable interest student loan

Are you maxing out all tax-advantaged accounts available to you? If not, it most likely doesn't make sense to pay off the student loan early.
by SRenaeP
Tue Sep 03, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5938

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Went in to BoA to cash a check written out in my name – the check was drawn on BoA. I am not a BoA customer. After providing several forms of ID, was requested to put (in ink) a fingerprint on the check, before they would cash it out. I was blown away by this request, said no thank you and drove to...
by SRenaeP
Tue Aug 27, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14405

Re: Anyone retire in their 30s?

I can’t imagine how different the world could be in your 30s versus your 80s. It seems extremely risky. We could have major changes in our tax structure, a war that actually affects most Americans, extreme global warming, etc. Plenty of things can happen that are outside of your control. There are ...
by SRenaeP
Mon Aug 26, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14405

Re: Anyone retire in their 30s?

I have not read every post but I encourage some of you who are a "burnout" and 1) have good savings, and 2) have Masters or higher degree to consider teaching at a community college. At an instructor at a cc, you will be teaching only 9 months of the year (minus winter break that often lasts a mont...
by SRenaeP
Wed Aug 21, 2019 1:50 pm
Forum: Personal Investments
Topic: Pensions and planning
Replies: 18
Views: 1086

Re: Pensions and planning

I can't imagine anyone who's in line for a pension who doesn't consider it. It's an income stream. Keep it simple. Figure your costs in retirement in today's dollars. Subtract projected income from pensions and/or Social Security, also in today's dollars. If those streams will produce less than you...
by SRenaeP
Mon Aug 19, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3981

Re: Go for new job (more pay but travel) or stay?

OP, that much travel sounds onerous, and I’m skeptical that a $20-30k pay increase is worth all the inconvenience caused by weeks and weeks of travel month after month after month. I would suggest taking the new role only if, first, it were a necessary stepping stone to career advancement that was ...
by SRenaeP
Mon Aug 19, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2479

Re: How are you finding "no cost" refis?

What if you don't have that many years or much money left on the loan? I bought a house last October for $257k with 20% down but also put my portion of my mother's house into the 15 year mortgage so it is down to $138k and is on schedule to be paid off in 9 or 10 years (probably less if I pay extra...
by SRenaeP
Mon Aug 19, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Luggage Tracker
Replies: 18
Views: 1224

Re: Luggage Tracker

Use the airline's app. Most of them have a built-in luggage tracking function. It will alert in the app when the bag is checked in, loaded on the plane, delivered to baggage claim.
by SRenaeP
Mon Aug 19, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2474

Re: How to save on international business class fares for family

+1 for booking premium economy. If you book all three seats on the bulkhead row, most aircraft used for international flights will have a bassinet option. I don't have kids so I don't know if a 20 month old would be too big for a bassinet but it's worth looking into. Even if the bassinet isn't feasi...
by SRenaeP
Mon Aug 12, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 3132

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

I wonder if or how such square footage might relate to homeowners insurance coverage - where the coverage would fully replace the existing home? Whenever I've gotten quotes, the insurance company asks what percentage of the basement is finished space. I imagine that factors into the value, replacem...
by SRenaeP
Mon Aug 05, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7867

Re: Financial anxiety and next steps in relationship

Reality overrides biology. Agree to get married soon, not buy a house, and to not even think about having children until the student loan is cleaned up. I wouldn't use over 50% of your combined taxable savings to throw at the debt. Good luck. That's not realistic given the gf's age. Age 35 is consi...
by SRenaeP
Thu Aug 01, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15838

Re: Why won’t anyone hire me?

I’m 48, female, was a stay at home parent for the past 7 years, but I’m ready to go back in the workforce so I can help contribute to bills and retirement account. I don’t have a college degree but I do have some secretarial experience prior to when my son was born. I have literally applied on Inde...
by SRenaeP
Wed Jul 31, 2019 1:10 pm
Forum: Personal Investments
Topic: Megaback door tax paperwork?
Replies: 1
Views: 333

Re: Megaback door tax paperwork?

After you do mega backdoor conversion of after tax money in your traditional 401k into a Roth IRA, is there any particular tax form that needs to be filled out( similar to the 8606?)? If you're attempting to do the mega backdoor conversion, you would utilize funds in your *after-tax* 401k subaccoun...
by SRenaeP
Mon Jul 29, 2019 3:57 pm
Forum: Personal Investments
Topic: Starting job mid-year and 401k HCE
Replies: 8
Views: 586

Re: Starting job mid-year and 401k HCE

I just started a new job and I have a question about highly compensated employee for 401k. I know the rule classifies someone as HCE if previous year's salary is $120,000, or $125,000 for 2019. In the summary plan description it limits regular employee contribution rate to 40%, while HCE is only up...
by SRenaeP
Wed Jul 24, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Best Travel Insurance for Bucket List Trip
Replies: 4
Views: 630

Re: Best Travel Insurance for Bucket List Trip

There are a number of other threads on this topic that provide some great information. Since your family member plans to take multiple trips, an annual policy will probably be better and more cost-effective than purchasing policies for each trip and/or from various vendors.
by SRenaeP
Tue Jul 23, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Business loan to relative
Replies: 33
Views: 1538

Re: Business loan to relative

If he has equity in his own house, then take a lien against his house. When his business fails and he doesn't pay you back, forclose, sell off the house and get your money back that way. I can nearly guaranty you that his business will fail and you never see a dime back. If you wish to gift him thi...
by SRenaeP
Mon Jul 22, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 17
Views: 1555

Re: HSBC checking bonus

I previously opened an HSBC checking account for a bonus (though one that didn't require as large of a deposit). IIRC, I had to email them to get the bonus paid which they immediately did but other than that, no issues.
by SRenaeP
Mon Jul 22, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Phone options when traveling out of country?
Replies: 25
Views: 2241

Re: Phone options when traveling out of country?

Switch to Google Fi. I love Google Fi. My son and I have used it as our primary/only phone service for about three years. It has been rock solid for me. We aren't huge data users since I have wireless at home and work and he has it at school (and when he is at my and ex's houses). I have used in 30...
by SRenaeP
Mon Jul 15, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Mechanics of back door Roth IRA (with MBR 401k)
Replies: 7
Views: 465

Re: Mechanics of back door Roth IRA (with MBR 401k)

I currently have a traditional 401k and IRA. I’m want to start doing back door Roth contributions for both. I think I’ve got the mechanics down for MBR 401k. Make a non-deductible contribution to traditional 401k. Make an in-plan rollover to Roth 401k. Pay taxes. Assume that the workplace plan allo...
by SRenaeP
Thu Jul 11, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating 2019 federal income taxes (to pay in 2020)
Replies: 10
Views: 1319

Re: Estimating 2019 federal income taxes (to pay in 2020)

You're actually asking a few different separate questions. I've found that the best way to estimate my taxes was to create a spreadsheet that is a mock up of my tax return. This tells me my reasonably estimated income, tax liability, tax withheld/paid and the delta between the last two. If your frie...
by SRenaeP
Thu Jul 04, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3659

Re: Does this car exist? Sexy convertible with a backseat

How much time do you plan to spend driving around your nephew? Is this really something you should base your car purchase decision on? I mean, if it was your kid and you would be driving them around all the time.... but, a nephew... That's why I'm okay with a barely usable backseat. I am childfree ...
by SRenaeP
Thu Jul 04, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3659

Re: Does this car exist? Sexy convertible with a backseat

Let's be serious. The OP stated he likes to drive manual and is not thrilled by the looks of 1, 2 and 4 series (but likes the pre-restyling Z4). How can someone suggest him the likes of cadillacs, camaros, or mustangs ? LOL. Thank you. The Camaro is slightly more appealing than the others but I was...
by SRenaeP
Thu Jul 04, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3659

Re: Does this car exist? Sexy convertible with a backseat

Not a car guy, not in same class, how bout a mustang or Camero? Hmm. I just checked them both out and the Camaro looks appealing. However, a preliminary Google search seems to indicate it's pretty hard to get a rear-facing car seat in there. I'm not crossing it off the list just yet though. :happy
by SRenaeP
Wed Jul 03, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3659

Re: Does this car exist? Sexy convertible with a backseat

Is it a hard, or soft top Z4 ? You could get a 2-series convertible, or a 1-series convertible if you are lucky enough to find it used. They are both soft top and can be found in the 3-pedal style. Both look a little chunkier than a Z4, but handle like a true small car. If you are looking for a sli...
by SRenaeP
Wed Jul 03, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3659

Does this car exist? Sexy convertible with a backseat

I'm hoping the car enthusiasts will weigh in here. My current daily driver is a 2004 Z4 convertible with a manual transmission. I love the styling and I love the way it drives. I'm in the market for a new(er) car. I'd originally considered just buying a newer Z4. However, I now have a young nephew s...
by SRenaeP
Wed Jul 03, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Change withholding allowance?
Replies: 5
Views: 570

Re: Change withholding allowance?

Sit down with you and DW's last paystubs and use the IRS withholding calculator.

https://www.irs.gov/individuals/irs-wit ... calculator
by SRenaeP
Wed Jul 03, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3816

Re: Hire a driver?

1) Commuting expenses are generally not allowable business deductions. I get quite a few 1099 income clients at Taxaide who mistakenly think they can deduct their mileage to and from their work site. I did VITA this year and encountered something similar. While people typically can't deduct that mi...
by SRenaeP
Mon Jul 01, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Medical Evacuation Insurance
Replies: 14
Views: 1331

Re: Medical Evacuation Insurance

Look at GeoBlue. It's affiliated with Blue Cross/Blue Shield. I have an annual policy that covers both medical expenses and medical evacuation, but only outside of the U.S. Medicare and Medicare supplemental insurance won't cover you outside the U.S. This will. This is not travel insurance (lost ba...