Search found 218 matches

by genjix
Fri Jun 30, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 3091

Re: Buying a dishwasher

Thanks all for the post. I edited to reflect I dont need water efficient.

With all these common issues is it worth to get warranty perhaps from square trade or something?
by genjix
Fri Jun 30, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 3091

Buying a dishwasher

Hi all

I want to buy a dishwasher in the $500 range or lower. What are some key features I should be looking at? Any recommended brands over others?

Edit*
Doesn't need to be water efficient
Doesn't need to be whisper quiet as it's not open floor plan
by genjix
Tue Jun 20, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and taxable combo
Replies: 5
Views: 670

Re: 529 and taxable combo

I'm in NY, it's $5000 deductible. Child is too young but who can say for sure their child will go to college?
by genjix
Tue Jun 20, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and taxable combo
Replies: 5
Views: 670

529 and taxable combo

Hi all, I'm thinking of starting a 529 and also a taxable investment for my child. 529 for obvious reasons but the taxable in case child doesn't go to college. If child doesn't go for higher education then this taxable fund would be considered for my retirement. Anybody else do something similar? Wh...
by genjix
Fri Apr 14, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule E line 12 question
Replies: 0
Views: 345

Schedule E line 12 question

Hi all, I had an accountant prepare my taxes and I think im noticing a few errors. First time i have a schedule E and i noticed rent received may be incorrect and I'm not sure but I think line 12 in schedule E may be wrong, Is this line just for mortgage interest I paid to bank? I have a coop so doe...
by genjix
Fri Mar 31, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2699

Re: Do I need an electrician? If so how much would it cost?

Thanks all electrician it is. If I'm going to hire electrician I will put in a 2 socket recipticle with the existing light switch. I only thought the combo was a fairly easy DIY but I guess not. Thanks for the input. This is why I ask this forum, I always seem to get a proper answer. genjix if you ...
by genjix
Thu Mar 30, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2699

Re: Do I need an electrician? If so how much would it cost?

Thanks all electrician it is. If I'm going to hire electrician I will put in a 2 socket recipticle with the existing light switch. I only thought the combo was a fairly easy DIY but I guess not. Thanks for the input. This is why I ask this forum, I always seem to get a proper answer.
by genjix
Thu Mar 30, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2699

Do I need an electrician? If so how much would it cost?

Hi all I live in a prewar coop and the bathroom doesn't have an electrical socket. I was wondering if I can get one of those recipticle / light switch combo to have electric for say blowdryer and switch to control the light. (Currenty we only have light switch) Do I need an electrician to do this if...
by genjix
Tue Mar 28, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: H&R block? My CPA is MIA
Replies: 12
Views: 1377

Re: H&R block? My CPA is MIA

Once rentals are setup properly in any software, they are relatively easy to "process" each year. However setting up a rental in new software like TT after you've owned for a period of years can be a challenging task, particularly if you've never done taxes. I'd go with the extension and ...
by genjix
Tue Mar 28, 2017 5:32 am
Forum: Personal Finance (Not Investing)
Topic: H&R block? My CPA is MIA
Replies: 12
Views: 1377

H&R block? My CPA is MIA

Hi all, So I was busy moving and finally got around to gather all my tax documents. I called and emailed my CPA that I've been using since 2008 and no response. Maybe he's overwhelmed and he can't take on any more business? Who knows. Anyway now I need an alternative. Nothing too complicated, rental...
by genjix
Tue Dec 13, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: student loans
Replies: 2
Views: 359

student loans

Just found out how my G/F's student loans work and its crazy. I never had a student loan so I never looked into it, but she owes 60k and there is a captial interest of 5k left and accrued interest daily of about $14. She's been conbtributing to her 401k, but Im thinking she should stop at this point...
by genjix
Sun Nov 13, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating the tsm
Replies: 3
Views: 431

Re: Approximating the tsm

Perfect thanks all
by genjix
Sun Nov 13, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the tsm
Replies: 3
Views: 431

Approximating the tsm

Hi all,

Trying to help my gf with 401k. For index funds she has sp500, russell 3000 and Russell 2000 as options. Is the Russell 3000 same as the Russell 2000 + Russell 1000 as I see in the boglegead wiki or would SP 500 (85%)+ Russell 2000 (15%)be the better option?
by genjix
Sat Oct 22, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3789

Re: Preferred "disk cloning" software?

Clonezilla open source
by genjix
Sun Oct 02, 2016 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I pay with my HSA account for child (not married)
Replies: 6
Views: 618

Re: Can I pay with my HSA account for child (not married)

Ok thanks. Doesn't sound like I can since only the person claiming the child as a dependant can and that would be the mother in my case. (I would be the father)
by genjix
Fri Sep 30, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I pay with my HSA account for child (not married)
Replies: 6
Views: 618

Can I pay with my HSA account for child (not married)

Question

I plan and hopefully will have a child. I'm if I'm not married to my SO, can I still partially pay for the hospital expenses with my HSA account?
by genjix
Wed Sep 07, 2016 6:09 am
Forum: Investing - Help with Personal Investments
Topic: HSA vs PPO
Replies: 6
Views: 997

Re: HSA vs PPO

Thank you for this well written explanation. I will have to get the paperwork and run some numbers
by genjix
Tue Sep 06, 2016 6:33 am
Forum: Investing - Help with Personal Investments
Topic: HSA vs PPO
Replies: 6
Views: 997

HSA vs PPO

Hi all,

First time I'm considering HSA as I didn't realize the benefits beyond just covering medical expenses. My employer offers both PPO and HSA plans. Is one better than the other? What's the best strategy here?
by genjix
Wed Aug 31, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: How do taxes work for rental income
Replies: 26
Views: 2914

How do taxes work for rental income

Hi,

Question about rental income tax.
Let's say we have this scenario

Renting unit out for $1000

Maintenance = $500
Mortgage interest = $400

Is it as simple as $1000 - $900 = $100 then pay the taxes on the $100 in profitable income?
by genjix
Sat Aug 27, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start HSA?
Replies: 12
Views: 1419

Re: Should I start HSA?

If you are eligible for an HSA (that is, you have a qualified high-deductible plan), you should definitely invest in it, in preference to any other investment except for a 401(k) with an employer match. I wasnt aware of this, my employer offers both types of insurance, this year i took the one that...
by genjix
Sat Aug 27, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start HSA?
Replies: 12
Views: 1419

Re: Should I start HSA?

deleting duplicate post
by genjix
Sat Aug 27, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start HSA?
Replies: 12
Views: 1419

Should I start HSA?

Hi all, I max out my 401k and rIRA and wondering if I should start contributing to HSA. Admittedly I'm not too familiar with health during retirement and have the preconceived notion that Medicare would cover retirees. Also the HSA plan at my job also charges a 3.95/month fee is that about average? ...
by genjix
Fri Aug 26, 2016 5:51 am
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 3471

Re: NYC Living Options

I would recommend queens. Most flight attendants live in Kew gardens / Forest hills area because it's close to JFK and LaGuardia it's also a 25 min subway ride to midtown manhattan or 16 mins 1 stop on LIRR. If you want to be in queens but still closer to Manhattan look at long island city. 1 subway...
by genjix
Sun Apr 17, 2016 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Lending club 70k minimum gross income
Replies: 3
Views: 1576

Lending club 70k minimum gross income

LC has a 70k gross income requirement. Does bonuses count towards gross income? What if one year bonus isn't given and now it's under the 70k requirement? I'm also assuming they do not mean AGI.
by genjix
Thu Feb 18, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3945

Re: Flyer miles worth it?

Thanks for everyone's feedback, I would like to travel once a year so I was trying to figure out if I should be spending on my fidelity amex 2x cash back or apply for an airline miles card.
by genjix
Thu Feb 18, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3945

Flyer miles worth it?

Aside from the bonus flyer miles for initial sign up do flyer miles have any advantage over cash reward if they both offer 2x? (If I intend to travel)
by genjix
Sun Feb 07, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Leasing my coop apt nyc taxes
Replies: 2
Views: 549

Re: Leasing my coop apt nyc taxes

Thanks for the information. Can you explain the less depreciation of cost basis in coop? I'm not familiar with that.
Also I believe my building has a 50% deductible for maintenance. How is this effected when renting out and I'm already subtracting the whole maintenance from the rental income?
by genjix
Sat Feb 06, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing my coop apt nyc taxes
Replies: 2
Views: 549

Leasing my coop apt nyc taxes

Hi, I'm thinking about leasing my coop apt and trying to understand how taxes would work. Let's say my mortgage was $500 and my coop maintenance was $500 totaling $1000 and I lease out my apt to a tenant for $1100 a month. At the end of the year, would the $1200 net profit only be taxable plus the p...
by genjix
Mon Jan 25, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: What happens after target year is reached
Replies: 6
Views: 868

What happens after target year is reached

Hi

What happens when target year is reached in target fund? IE if target fund is 2020, will stock/bond allocation continue to change? What will the allocation be like in year 2040 if you have a 2020 fund?
by genjix
Tue Jan 05, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1794

Re: Would like to rent my apt out. Need advise

I'm the owner of the coop and pretty good area. I like the idea of getting ideas from the board to be on good terms with them. I will also bring in a realtor to see what options he brings to the table.
by genjix
Tue Jan 05, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1794

Re: Would like to rent my apt out. Need advise

Two thoughts: The managing agent of your coop might be able to give you some guidelines/assistance. The coop board might require your subtenant to submit to an interview before approving your application to sublet. Yes the board does need to interview and approve. I was thinking of using a realtor ...
by genjix
Tue Jan 05, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1794

Re: Would like to rent my apt out. Need advise

Yeah it's a coop and allows sublease.
by genjix
Tue Jan 05, 2016 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1794

Would like to rent my apt out. Need advise

Hi all, I'm looking to rent my apt out for the first time and need some advise. How do I go about choosing the right listing agent? What criteria should I look forward? (NYC area) I would like to rent it out furnished because I plan to move back in a year or so, will renting furnished be a hindrance...
by genjix
Sat Oct 24, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do students loan payments work
Replies: 5
Views: 942

How do students loan payments work

I want to pay off as quick as possible. There is no section like a mortgage to pay towards principle. Is it just one number like a credit card and the debt re-amortorizes every month/year
by genjix
Fri Sep 25, 2015 6:44 am
Forum: Personal Finance (Not Investing)
Topic: consolidate student loans?
Replies: 3
Views: 422

Re: consolidate student loans?

Oh darn. I guess there is no real way to get overall lower interest rates than. It would probably better to keep them seperate so she can focus ob paying off the higher interest rates first
by genjix
Thu Sep 24, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: consolidate student loans?
Replies: 3
Views: 422

consolidate student loans?

Hi,

Question for a friend who has student debt. He said some of her loans are as high as 8%. Is it possible to consolidate 3 student loans, if so where are some good places to do so?
by genjix
Fri Aug 28, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: NYC- Where to buy a good quality sofa or sectional?
Replies: 9
Views: 1127

Re: NYC- Where to buy a good quality sofa or sectional?

They have a macys furniture gallery in long island. They have a pretty big section where customers may have returned or something minor wrong with it and you get a decent discount.
by genjix
Wed Aug 26, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Divident schedule for vtiax?
Replies: 3
Views: 352

Re: Divident schedule for vtiax?

NonnyGoGo wrote:Did you see this https://www.bogleheads.org/forum/viewtopic.php?t=172339?

I exchanged $1 from my MF to the PMM yesterday.
This morning I was able to setup the dividends and CG to be deposited into the PMM.


Thank you! I will try this.
by genjix
Wed Aug 26, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Divident schedule for vtiax?
Replies: 3
Views: 352

Divident schedule for vtiax?

I sold VTIAX in my taxable account and purchased VFWAX and VFSVX for tax loss harvesting. I'm learning that there may be a wash sale if I have VTIAX in my roth Roth IRA with reinventing dividend. This is the only fund I hold in my ROTH so I can't route the dividend to any other fund or even the prim...
by genjix
Wed Aug 26, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 632

Re: another tax loss harvest question

Hi, One buys 1000 shares of VTI last week and holds no other shares of VTI nor any substantially identical shares. One sells 500 shares at a loss today. Is it a wash sale? I'll bite. No, not a wash sale. *Assuming this excludes any potential dividends and that you do not re-purchase any substantial...
by genjix
Wed Aug 26, 2015 6:46 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 632

Re: another tax loss harvest question

Thanks for the reply guys. I purchased total stock marjet fund at different points of time this year. One lot purchased 2 months ago was purchased at a higher price than it is today. I also bought shares 3 days ago. Can I exchange the lot I purchased 2 months ago which is beyond the 31 day period fo...
by genjix
Wed Aug 26, 2015 4:50 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 632

another tax loss harvest question

Hi,

If I purchased total stock market 3 days ago but want to only sell the lot of total stock market from 2 weeks ago, can I do that or will that be considered a wash?
Also can I exchange it for sp500 and extended market or do I need to only buy sp500 to avpid the wash?
by genjix
Mon Aug 24, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: how do i change cost basis?
Replies: 2
Views: 361

how do i change cost basis?

Hi

I would like to utilize tax loss harvesting, how would I change cost basis from avgCost to specific shares? or LIFO at least?
I have vanguard and trying to sell total stock market
it doesnt give me an option to change from avgcost
by genjix
Mon Aug 24, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: help with tax loss harvest total international
Replies: 7
Views: 814

Re: help with tax loss harvest total international

Thanks for the response. I wasnt aware this was an approximating solution. Is it common practice for bgers to put 100% into vfwax or is there a small cap we need to combine with or some other combination?
by genjix
Mon Aug 24, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: help with tax loss harvest total international
Replies: 7
Views: 814

help with tax loss harvest total international

Hi

I would like to tax harvest total international stock market with vanguard alternative funds
in the wiki I see for approximating the total international fund they include ishares canada and south korea. Should I just leave those out and bump up vdmix , veiex and vfsvx?
by genjix
Fri Aug 21, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: question about starting 401k at small scorp
Replies: 4
Views: 381

Re: question about starting 401k at small scorp

4 employees total. Part 2 to this question is if he starts the 401k does it have to be available to all employees or can he limit it to just him and his partner.
by genjix
Fri Aug 21, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: question about starting 401k at small scorp
Replies: 4
Views: 381

question about starting 401k at small scorp

Hi all

Friend wants to start a 401k for his s-corp. Can he just call vanguard and have a rep walk him through it to set up? Any advice on strategy for matching etc to maximize tax breaks?
by genjix
Sat Aug 08, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: rollover to 401k?
Replies: 5
Views: 566

Re: rollover to 401k?

Louis Winthorpe III wrote: 3 basis points = $30 for every $100,000 you have invested. You just have to decide how valuable those 3 basis points are to you vs having a direct relationship with Vanguard.


isnt $300 difference?