Search found 609 matches

by FB01
Thu Feb 25, 2021 12:57 pm
Forum: Personal Consumer Issues
Topic: How to get points for IHG if I cancel my card
Replies: 2
Views: 184

How to get points for IHG if I cancel my card

Hi,

I am planning to get the new IHG premier card which gives 140K points. However, the annual fee is $89. The points expire within a year if no activity. If I cancel my credit card, how can I earn points (except not going to IHG property) to keep my points.

Any suggestions
by FB01
Wed Feb 24, 2021 12:06 pm
Forum: Personal Consumer Issues
Topic: Experience at Royal Lahaina Resort in Maui
Replies: 11
Views: 2100

Experience at Royal Lahaina Resort in Maui

Hello,

Has anyone been to Royal Lahaina Resort in Maui recently. I am looking at the Costco package which gives $600 credit in the resort. We are planning to go with the kids (10 and 12).

Would be great if anyone can share their experience?

Thanks
by FB01
Mon Feb 15, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: Planning trip from Bay Area to Crater Lake, Oregon
Replies: 35
Views: 2585

Re: Planning trip from Bay Area to Crater Lake, Oregon

Crater Lake is a bit of a drive, but it is beautiful and you have to visit it. Take the boat to Wizard Island. Redwood NP is a must, like Lava Beds NM. If the kids have never have been to a cave, you can take them to Oregon Caves NM, if it opens. The dunes in Oregon are a lot of fun, especially for...
by FB01
Wed Feb 10, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: Planning trip from Bay Area to Crater Lake, Oregon
Replies: 35
Views: 2585

Re: Planning trip from Bay Area to Crater Lake, Oregon

Lava Beds National Monument is on the way to Crater Lake and is awesome for both kids and adults. There are many caves to explore at all levels of spelunking. Visit the caves all day and then spend the night in Klamath Falls. While you're in Klamath Falls, try Nibbley's Cafe. The food is awesome an...
by FB01
Tue Feb 09, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Planning trip from Bay Area to Crater Lake, Oregon
Replies: 35
Views: 2585

Re: Planning trip from Bay Area to Crater Lake, Oregon

When will you go? If winter time, be aware of road closures. We went in the summer and enjoyed jumping in the lake after hiking to the bottom, it wasn’t as cold as we feared. We stopped at Trees of Mystery in the Redwood Forest, something my wife did as a child, that was fun to recreate for our kid...
by FB01
Tue Feb 09, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: Planning trip from Bay Area to Crater Lake, Oregon
Replies: 35
Views: 2585

Planning trip from Bay Area to Crater Lake, Oregon

Hi,

I am planning a trip from Bay Area to Crater Lake, Oregon by car with kids (10 and 12). If anyone has done similar road trip, can you let me know what else we can see on the way and how many should I stay at Crater lake.
by FB01
Wed Jan 20, 2021 12:32 pm
Forum: Personal Consumer Issues
Topic: Any car experts? [Suspension control arm bushing cracked]
Replies: 34
Views: 1493

Any car experts? [Suspension control arm bushing cracked]

Hi, I have 2007 camry with 90K miles I did my recent service at Toyota and they mentioned that Suspension Control Arm Bushing is cracked and gave estimate of $2300. Wanted to know what can be the reason of this crack and does this require immediate attention. My car was lying for 3 months as I was w...
by FB01
Tue Dec 29, 2020 11:51 am
Forum: Personal Investments
Topic: Stimulus check to be reported in tax return?
Replies: 17
Views: 2404

Stimulus check to be reported in tax return?

Hi,

Do we need to report the stimulus check which we received earlier this year in next year's tax return?

Also, is the amount taxable?
by FB01
Wed Dec 23, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 51
Views: 4573

Re: Tipping in the time of Coronavirus

Out of curiosity, if tip at a restaurant, does the tip goes to that particular server or is put in a pool and distributed equally among all the servers.

Say for example Olive Garden...if I tip $10 to the server, will it go to her/him specifically?
by FB01
Thu Dec 10, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursing yourself from HSA account
Replies: 4
Views: 297

Re: Reimbursing yourself from HSA account

Hi, The rule is that whatever medical expense I have made, I can reimburse myself from my HSA account even if the expense was done 5 or 10 years back. I have HSA account have say for e.g 30K. I am not taking any money now as allowing it to grow. Now if I need money, and I made an expense of $1000, ...
by FB01
Thu Dec 10, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursing yourself from HSA account
Replies: 4
Views: 297

Reimbursing yourself from HSA account

Hi, The rule is that whatever medical expense I have made, I can reimburse myself from my HSA account even if the expense was done 5 or 10 years back. I have HSA account have say for e.g 30K. I am not taking any money now as allowing it to grow. Now if I need money, and I made an expense of $1000, 8...
by FB01
Thu Dec 03, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to take out money in Retirement
Replies: 14
Views: 2348

Re: How to take out money in Retirement

Klangfool, I did not understand your below statement RMD only applies to 401K and no to Roth IRA and it only starts at 72 years old. If I retire at 65, I cannot use my 401K till I am 72 years old? Also, taking Social Security at 67 and not 72 is just an example. I have not decided yet. I just want t...
by FB01
Thu Dec 03, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to take out money in Retirement
Replies: 14
Views: 2348

How to take out money in Retirement

Hi all, I have some years for retirement but want to understand, how to take out money from various accounts. For e.g. I plan to retire at 65 and start using the Social Security at age of 67. So for 2 years, how will I take out money. I have 1 million in my 401K and say 500K in my Roth IRA at the ag...
by FB01
Mon Jul 27, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Adding minor as an authorized credit card user
Replies: 31
Views: 2058

Adding minor as an authorized credit card user

Hi, I am planning to add 10 year old minor as an authorized credit card user? Obviously, minor is not going to use the card but by doing this can it help to improve the credit card history whenever time comes to apply for credit card? I will be doing couple of transactions on and off. Any thoughts?
by FB01
Mon Jul 20, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Getting rid of reading glasses
Replies: 4
Views: 626

Getting rid of reading glasses

Hi,

Because of age, I have got reading glasses since couple of months (0.75). Is it possible to get rid of glasses by some operation or any other suggestion which can my eyes better. Thinking loud but if someone has practically got rid of reading glasses.
by FB01
Wed Jun 24, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I claim my parent as dependent with SSI
Replies: 2
Views: 434

Can I claim my parent as dependent with SSI

Hi,

My parents dont have any income and stay with me. I claim them as dependent when I file the taxes. Recently, they started to get SSI (Supplemental Security Income) as they dont have income and are above 65.

Can I still claim them as my dependent?

Thanks,
by FB01
Tue Jun 23, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: Filling cement cracks
Replies: 13
Views: 1788

Re: Filling cement cracks

I use something like this for cracks less than a 1/2" in width: https://www.amazon.com/18021-Concrete-Mortar-Watertight-Sealant/dp/B07NDL2ZB2/ It comes in a gray color to match the color of concrete. It isn't a perfect match but close enough. If you don't have a caulking gun, they also sell it...
by FB01
Tue Jun 23, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Filling cement cracks
Replies: 13
Views: 1788

Filling cement cracks

Hi,

Has anybody filled cement cracks on their own? If yes, can you suggest anything which I can get from Lowe's or Homedepot and do it on my own.

Thanks
by FB01
Fri May 08, 2020 11:59 am
Forum: Personal Investments
Topic: BofA mortgage upper management email address
Replies: 1
Views: 437

BofA mortgage upper management email address

Hi, I started refinance with Bank of America for my house. The Mortgage officer confirmed there will not be any closing cost and the loan is in process. However, today suddenly I get a call saying BofA has changed its policy from May 1st that it will NOT waive of closing cost and that I will need to...
by FB01
Wed Apr 15, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: IRS Stimulus payment for SSI receivers
Replies: 4
Views: 421

IRS Stimulus payment for SSI receivers

Hi, My parents started receivign SSI from January. However, if go to "Get my Payment" tab to check the status of their stimulus payment it says "According to information that we have on file, we cannot determine your eligibility for a payment at this time" Should wait for end of ...
by FB01
Sun Apr 12, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Geico - Storage option of car for 30 days
Replies: 2
Views: 571

Geico - Storage option of car for 30 days

Hi, Has anyone opted for Storage option for their car with Geico insurance? I called Geico and one agent said I need to email DMV for non use of the vehicle for 30 days and other agent said, it is not mandatory. By Storage option, insurance will continue and only Geico will remove liability and for ...
by FB01
Thu Mar 12, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Census 2020 question
Replies: 38
Views: 3597

Re: Census 2020 question

Does it look like the samples on this site? https://2020census.gov/en/about-questions.html Page 4: What is your telephone number? Why we ask this question: The Census Bureau asks for your phone number in case there are any questions about your census form. We will only contact you for official cens...
by FB01
Thu Mar 12, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Census 2020 question
Replies: 38
Views: 3597

Census 2020 question

Hi,

I got a mail to fill Census 2020 form with the online code. When I went to fill the family details..it is asking me give my phone number? Is it safe to give phone number as it does not proceed without entering phone number
by FB01
Thu Mar 05, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Traveling first time to Chicago - how many days
Replies: 13
Views: 729

Traveling first time to Chicago - how many days

Hi,

I am planning to visit Chicago for the first time with 8-10 year old kids. How many days should I stay in Chicago and what are the key places I can cover.

3-4 days are enough or any other places which are near to Chicago are worth visiting.

Any suggestions would be helpful.
by FB01
Thu Feb 27, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Regarding Business Insider iPhone App
Replies: 1
Views: 98

Regarding Business Insider iPhone App

Hi,

Previously, I was able to surf all the free articles on the Business Insider iPhone App. However, recently it is saying ..I do not have any free views till March 17th. It is asking me to subscribe monthly/yearly.

Is BI app now paid? Is everyone having the same issue
by FB01
Wed Feb 26, 2020 11:38 am
Forum: Personal Investments
Topic: After tax - Roth 401K contribution
Replies: 8
Views: 331

Re: After tax - Roth 401K contribution

$57K does not count back door Roth. Roth/back door Roth is completely separate. Pre-Tax + Roth + Match + Post-Tax (converted to Roth) can add up to $57k. Unless you are over 50, then you get another $6,500 ($63,500 total). Pre-Tax + Roth + Match + Post-Tax (converted to Roth) can add up to $57k. Pr...
by FB01
Wed Feb 26, 2020 10:57 am
Forum: Personal Investments
Topic: After tax - Roth 401K contribution
Replies: 8
Views: 331

After tax - Roth 401K contribution

Hi, I see that my company is offering After Tax - Roth 401K contribution which I believe is called Mega Back Door Roth Rollover. Total I can contribute is 57K a year. Question : I am already doing Backdoor Roth as my income exceeds the limit. So I put in Traditional IRA first and then move to Roth I...
by FB01
Fri Jan 10, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Disney Plus - how many log-in's at a time?
Replies: 13
Views: 1113

Re: Disney Plus - how many log-in's at a time?

We have 4 log-ins. I can't say for 100% certain that it has been watched on more than 1 device at a time, but we've never had an issue. Can 4 different family members staying at different places sharing the same log-in? Can you confirm as I will be sharing the log-in with my family staying in diffe...
by FB01
Fri Jan 10, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Disney Plus - how many log-in's at a time?
Replies: 13
Views: 1113

Disney Plus - how many log-in's at a time?

Hi, I am planning to get the Disney Plus subscription for whole year which I believe is $70. If anyone has bought this service, can I know how many people can log-in at the same time. I would like to share log-in details to my friends and family. Can 3 or 4 people watch is simultaneously on differen...
by FB01
Fri Jan 03, 2020 12:14 pm
Forum: Personal Investments
Topic: Did not do Backdoor Roth IRA correctly for wife
Replies: 5
Views: 581

Re: Did not do Backdoor Roth IRA correctly for wife

Yes, you have to pay taxes on any gains. You would recharacterize the amount contributed plus the gains. Your brokerage will calculate it for you. Paying the taxes now is cheaper than paying the 6% forever. It’s much easier to fix prior to tax day, but you have until October. https://www.investoped...
by FB01
Thu Jan 02, 2020 12:46 pm
Forum: Personal Investments
Topic: Did not do Backdoor Roth IRA correctly for wife
Replies: 5
Views: 581

Re: Did not do Backdoor Roth IRA correctly for wife

This is easily fixable, happens all the time. Have the brokerage recharacterize the Roth as traditional, after that is done the complete the backdoor SS normal. https://investor.vanguard.com/ira/ira-recharacterization This was for 2019. Can I still do it? Also, do I need to pay any tax on the gain ...
by FB01
Thu Jan 02, 2020 12:24 pm
Forum: Personal Investments
Topic: Did not do Backdoor Roth IRA correctly for wife
Replies: 5
Views: 581

Did not do Backdoor Roth IRA correctly for wife

Hi, I was doing Backdoor Roth IRA for 2020 and realized I did some mistake for 2019 for my wife accounts. Below is the issue My wife does not work but I contribute 6000 in her account for Roth IRA by doing Backdoor Roth IRA. For 2019, I transferred to my Rollover IRA and then did the transfer to my ...
by FB01
Mon Dec 30, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Pivot table help
Replies: 4
Views: 432

Re: Pivot table help

mister_sparkle wrote: Mon Dec 30, 2019 1:31 pm Like this:

Image

Image
Great..thanks...thats what I was missing the trick. The pivot table was by default doing sum instead of count.

Appreciate quick help.
by FB01
Mon Dec 30, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Pivot table help
Replies: 4
Views: 432

Pivot table help

Hi, I have the below the chart in excel in which I want to know the count each hotel for the total number of rooms. When I create Pivot table, I am not able to put the count. Hotel - Room Number A - 10 A - 11 B - 12 C - 13 B - 14 A -15 So I am looking in Pivot table to see A - 3, B- 2 and C-1. How c...
by FB01
Sun Dec 29, 2019 3:11 pm
Forum: Personal Investments
Topic: Question about WFIOX (Wells Fargo Index Fund - Class Admin)
Replies: 1
Views: 181

Question about WFIOX (Wells Fargo Index Fund - Class Admin)

Hi, I am putting my HSA fund in WFIOX (Wells Fargo Index Fund - Class Admin). I was looking at the dividend reimbursed and it was given at $44.15. In 2018, it was given at $48.99. The price should be increasing and not decreasing which confused me. I checked morningstar and distribution amount is de...
by FB01
Fri Dec 27, 2019 7:48 pm
Forum: Personal Investments
Topic: 529 Advice for California Resident
Replies: 18
Views: 1874

Re: 529 Advice for California Resident

I live in CA and use the Utah options because of its low ER funds (lots of Vanguard options!) and customizable AA. The CA ScholarShare plan offers single fund investment options to achieve the same thing at lower costs. Vanguard has not been the only index road to Dublin for quite some time now. So...
by FB01
Fri Dec 27, 2019 7:20 pm
Forum: Personal Investments
Topic: 529 Advice for California Resident
Replies: 18
Views: 1874

Re: 529 Advice for California Resident

I live in CA and use the Utah options because of its low ER funds (lots of Vanguard options!) and customizable AA. Started in the Ohio version of the 529. That was fine, but eventually decided to move for the above reasons. I am also in the same boat. Am CA resident and investing in Ohio. I have us...
by FB01
Fri Dec 27, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: SSI income of parents - taxable?
Replies: 3
Views: 400

Re: SSI income of parents - taxable?

neilpilot wrote: Fri Dec 27, 2019 12:52 pm Since you indicate SSI, does that mean they each receive welfare payments? Or do you really mean SS?
Welfare payments
by FB01
Fri Dec 27, 2019 11:55 am
Forum: Personal Investments
Topic: VTI/VTSAX - Expense ratio
Replies: 9
Views: 573

VTI/VTSAX - Expense ratio

Hi, I just realized the expense ratio of VTI is 0.03% and VTSAX is 0.04%. For my Roth IRA, I have been investing in VTSAX since day 1. Now as it has got substantial amount of money, is it advisable to change to VTI or just keep VTSAX. I know once I change to VTI, i cannot change to VTSAX. Is there a...
by FB01
Fri Dec 27, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: SSI income of parents - taxable?
Replies: 3
Views: 400

SSI income of parents - taxable?

Hi,

I claim my parents as dependent as they do not have any income. They started to to get SSI this year.

For next year, can I still claim to be my dependents and also not show the SSI income as taxable..is that correct?

Thanks,
by FB01
Tue Nov 26, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Mouse Cursor disappeared in Acer Chromebook
Replies: 1
Views: 256

Mouse Cursor disappeared in Acer Chromebook

Hi,

My kid pressed something and mouse cursor has disappeared.I am able to navigate via Tab only. I rebooted multiple time but still cursor does not come up.

Does anyone what can be done to get the mouse cursor back.
by FB01
Mon Nov 18, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Best iPhone Car Mount
Replies: 5
Views: 726

Best iPhone Car Mount

Hi, Can anyone recommend best iPhone car mount? I use hard cover for my iPhone so not sure magnet will work but also looking for something from where I can touch the phone while driving. All the mount which are stuck on windshield will be far to change something on the fly while driving. I had a che...
by FB01
Wed Oct 30, 2019 11:02 pm
Forum: Personal Investments
Topic: Ohio 529 - Advice on which options to invest
Replies: 4
Views: 406

Re: Ohio 529 - Advice on which options to invest

I have put in Vanguard 500 Index Option since inception. My kids are below 10. Planning to still keep funds in the same funds for couple of more years.

Thanks,
by FB01
Mon Oct 28, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Google Calendar question
Replies: 2
Views: 500

Re: Google Calendar question

nvambith wrote: Mon Oct 28, 2019 12:05 pm Google search suggested
https://www.lifewire.com/specify-defaul ... ar-1172186

Perfect. This link helps.
by FB01
Mon Oct 28, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Google Calendar question
Replies: 2
Views: 500

Google Calendar question

Hi, I rely on Google calendar heavily to set up reminders which are emailed to me. If there is some expert out, there ..need quick help So when I set a new reminder, besides the bell icon it has option of Notification and Email and both are available in drop down.By default Notification gets selecte...
by FB01
Tue Oct 22, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Applying for SSI benefits for the first time - 78 years old
Replies: 1
Views: 476

Applying for SSI benefits for the first time - 78 years old

Hi,

My dad who is 78 years recently became US citizen. He would like to apply for SSI benefits. As he is 77 years old, does he need to go to SSA office personally or can apply online.

Anyone suggestion from anyone who has recently applied for SSI benefits would be helpful
by FB01
Mon Oct 21, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Using 40MM bands in 38MM watch
Replies: 2
Views: 454

Using 40MM bands in 38MM watch

Hi, Currently Apple series 3 watch is selling for $200 and there are not much change in functionality when compared to Apple Series 5. I am planning to order 38MM Case watch. However, there are no options for 38MM bands. If I go for bands, it shows 40MM and 44MM. Will 40MM watch band fit my Apple se...
by FB01
Thu Oct 10, 2019 6:04 pm
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3182

Re: Vanguard - Benefits of maintaining 500K balance

It is right there on the Vanguard.com web site: https://investor.vanguard.com/investing/benefits/at-a-glance The key word at that link is "None." The link says "Voyager Select representative"...any idea what kind of benefit is for Voyager Select representative when compared to V...
by FB01
Thu Oct 10, 2019 2:55 pm
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3182

Vanguard - Benefits of maintaining 500K balance

Hi,

I checked on Vanguard and they have mentioned Voyager Select service of those who maintain more than 500K balance in Vanguard.

Does anyone know what does Voyager Select service include?

Thanks,
by FB01
Fri Sep 27, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Addressing similar first names in an email
Replies: 16
Views: 1376

Addressing similar first names in an email

Hi, If I am emailing someone and two have similar first names, I would put it like this way "Hi Mike T. Per my discussion with Mike C., whatever I want to write" So here I am putting their first name and initial of the last name in the email. However, how would you address if the first nam...