Search found 1560 matches

by Saving$
Thu Feb 22, 2018 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 26
Views: 1715

Re: Balance in Marriage and Student Loans

I'd make paying it off a joint goal, but still let him pay it down. Sounds like you each make about $80k/year, and he is putting $1250/month toward the loans. What if you both transitioned into mega frugal mode for 12 months? Could he revise his budget to put $2-$3k month towards the loans? Making e...
by Saving$
Sun Feb 18, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 784

Re: Old 401k Statements

I would scan the annual statements, then shred the balance. Better safe than sorry.
by Saving$
Thu Feb 15, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing house from relative with both gift of equity & downpayment
Replies: 5
Views: 459

Re: Purchasing house from relative with both gift of equity & downpayment

The 20% down to avoid PMI is 20% of the purchase price. So if you buy for $210,000, bank will require you to bring $42k cash to the closing table that they will transfer to your inlaws as part of the transaction. The "equity gift" ie the difference between the $210k purchase price and the $270k appr...
by Saving$
Tue Feb 13, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house, duplex/multiplex, or condo in Houston, TX? Any advice?
Replies: 15
Views: 1238

Re: Should I buy a house, duplex/multiplex, or condo in Houston, TX? Any advice?

You have a goal, but not a specific plan for the next x year. Rent. Do not buy. You need to structure your life for maximum flexibility to implement a plan to meet your goals. Moving to Houston and renting an apartment hoping to get a job at a nearby medical center may not be the ideal way to move f...
by Saving$
Tue Feb 13, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2468

Re: Used Chevy Volt - Which year should I look at?

So the Volt essentially has unlimited range because it runs on battery to start, and gas once the battery runs out?
But unlike a hybrid that has both gas & electric, this thing need to be plugged in to run on electric only?
by Saving$
Tue Feb 13, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3766

Re: Home buying: how to send postcards to neighborhood we want to live in?

I would not respond well to such a postcard. I get 2-5 letters/postcards a week, and about 2-3 phone messages, to the point that I have stopped answering/using my landline (which is the only number people can find for me when searching). I figure all of them are from flippers and trash them all. If ...
by Saving$
Tue Feb 13, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3937

Re: Going Paperless Issues

I had this same issue, and researched aggregation services, as I don't want to remember 10+ username & passwords etc. for different sites. Finally pulled the trigger 3 years ago. I evaluated the aggregation sites available at the time and settled on Finovera www.finovera.com You can read a review ab...
by Saving$
Tue Feb 13, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Online Statement Aggregator (Manilla, Fetch, etc.)
Replies: 4
Views: 1940

Re: Online Statement Aggregator (Manilla, Fetch, etc.)

Four years after initially researching this, and three years after starting with Finovera, I'm still using it and still very happy with the service. I updated some of the comments above.
by Saving$
Mon Feb 12, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: moving my mother's "escape" fund to me
Replies: 28
Views: 3251

Re: moving my mother's "escape" fund to me

The OP has confirmed his parents are not in a community property state. Does not seem to be anything illegal or unethical about this. OP 1. You write the account is currently held jointly by your mother and her sister (your aunt) a. Account needs a SS number associated with it. Whose is it? Your aun...
by Saving$
Wed Feb 07, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1566

Re: Xfinity mobile is burning through data

I have concluded this tends to happen when switching providers. My small data sample is: 1. Yours 2. I switched an unlocked multicarrier phone from TMo to Verizon. Used an exorbitant amount of data the first month. Settled back down to normal second month and onward 3. Friend bought unlocked multica...
by Saving$
Wed Feb 07, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Shared real estate fantasy
Replies: 13
Views: 1771

Re: Shared real estate fantasy

Deal breaking problem = 53 owners.

Also just because it is cash flow positive for the current owner does not mean it will be positive for new owners paying current market value.
by Saving$
Wed Feb 07, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1227

Re: Water Leak from shower stall - how to detect

Copied from a previous post: Process of elimination: 1. Stop using tub shower and sink for one week. Use only toilet. If leak reoccurs, problem is toilet, either at supply or wax ring. If no leak... 2. Stop using toilet and tub shower for one week. Use sink only. If leak reoccurs, problem is sink, e...
by Saving$
Wed Feb 07, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2516

Re: Getting Rid of Ants in the House?

Terro. Put them everywhere.

Also spray around the foundation of the house with some of the more potent stuff you buy at the big orange or blue box, or from a site like DoItYourself Pest Control.
by Saving$
Wed Jan 31, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7913

Re: I have an overwhelming gift I'm in need of help of please.

$270k is over the FDIC insurance limit. Based on what you have written, I would 1. Deposit $240k in a high yield Ally Bank account (or another high yield account) 2. Deposit $30k in your regular bank account 3. If your MAGI qualifies a. Fully fund 2017 ROTH IRA for your wife and yourself before 4/15...
by Saving$
Mon Jan 29, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Association Assessment
Replies: 6
Views: 983

Re: Homeowners Association Assessment

1. Reserves Study and amount currently in reserves account. Are they aligned? If not, is there a good reason (ie depleted reserves in 2017 to install new roof if the roof is the highest cost item on the reserves study) 2. HOA Balance Sheet - assets and liabilities. Pay particular attention to liabil...
by Saving$
Thu Jan 25, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16264

Re: Dear wife quits job and now we are down to 1 income

Wow - I'm shocked by some of the responses. The suggestions of moving into a townhouse, drastically changing your life, etc are, in my opinion, far too premature. OP, you are ok. You have a healthy emergency fund, and you now have a TEMPORARY situation in which you will use it. That is why you have ...
by Saving$
Wed Jan 24, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 40
Views: 2860

Re: QCD Mechanics [Qualified Charitable Distribution]

The problem I have with Vanguard writing the checks is that I have no way of knowing whether or not the charity received the check. They are supposed to send a letter of acknowledgement, but those letters may not come until the following year, or they may not come at all. I had one instance where I...
by Saving$
Mon Jan 22, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: What are the longest lasting double pane windows?
Replies: 6
Views: 848

Re: What are the longest lasting double pane windows?

If the only issue is condensation between two panes of glass, your windows have not failed, only your glass as failed. Double pane glass panels are sealed, and the seal failed. Any local glass company can replace the double pane glass pieces with a new sealed unit. Your glass may have a small serial...
by Saving$
Fri Jan 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 96
Views: 11395

Re: Xfinity Mobile

I have been considering changing my home internet from ATT DSL ($53/m, no TV, max 6gb) to Comcast ($59/m with TV, max 100gb). The prospect of being able to save on cell service is also appealing. Questions: 1. Does Comcast has a bring your own Android option? I did read the option to buy one of thei...
by Saving$
Fri Jan 19, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 163
Views: 18345

Re: How to Minimize Your Emergency Care Expenses

Thank you very much for taking the time to write this.
Much appreciated, and great information, as well as good reminders of how to keep this all in perspective.
by Saving$
Fri Jan 19, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7693

Re: Short Commute or Nicer House?

Option #1, absolutely. Short commute and all the other variables also sound better You will have more time with family, which no amount of money can buy. 1. You will be less stressed. 2. Your schedule will be more predictable. 3. You will be more easily able to deal with outlier situations - call fr...
by Saving$
Fri Jan 19, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 20
Views: 2291

Re: Contacting store after urgent care visit?

If you plan to pursue reimbursement from the store:

Daughter needs to take pics of the bench that caused the splinters before the store resands it.

You need to get the name of the person at the Urgent Care who advised this is not the first incident from the bench at that store.
by Saving$
Fri Jan 19, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3007

Re: Telemarketing calls from my own prefix

Is there any solution for people who get these calls on a small business cell phone? I often get calls I am not expecting from my client's vendors, whom I don't have in my phone directory. I don't have the option of ignoring calls from unknown numbers...
by Saving$
Sat Jan 13, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2524

Re: Sell or Keep a rental condo

So you paid $55k; lets say you net $170k ($185k sales price less commissions & closing costs). Let's say you can write off $5k in improvements for a gain of $110k. If you sold today, presumably you would save $16.5k in cap gains tax. If you wait to sell when you no longer qualify for the cap gains e...
by Saving$
Sun Jan 07, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Understanding new 529 rules
Replies: 3
Views: 494

Understanding new 529 rules

Seeking some clarification on the new 529 rules 1. Supposedly you can now fund K-12 with 529 funds. Is there any chance this allows funding of pre-k with 529 funds? 2. I've read conflicting accounts of when this change takes place - some state "with the new tax law" indicating it would be in effect ...
by Saving$
Wed Jan 03, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living cost > person's pension
Replies: 24
Views: 1952

Re: Assisted Living cost > person's pension

Also, $9k/m seems closer to a nursing home cost than an assisted living cost...and nursing homes in each state take Medicaid.
by Saving$
Tue Jan 02, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Problems with EJ (Is anyone surprised?) [Edward Jones]
Replies: 30
Views: 4644

Re: Problems with EJ (Is anyone surprised?) [Edward Jones]

Sue: Tomorrow, you call Vanguard PAS (Personal Advisory Services) and give them authorization to pull the assets from EJ into Vanguard PAS. Specifically tell them, that to the greatest extent possible, you want to move the assets in kind, and do any selling to change investments after Vanguard has t...
by Saving$
Mon Dec 18, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Reposession - worth it?
Replies: 17
Views: 2032

Re: Reposession - worth it?

DO NOT LET IT GET REPOSSESSED. As noted above, letting it get repossessed is not going to solve any problems: 1. You will still owe the loan - letting them take the car does not wipe away your obligation to pay the loan 2. In addition to what you currently owe, they will tack on a bunch of repossess...
by Saving$
Sat Dec 16, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1767

Re: Experiences with Quicken to GNUCash Conversion.

Like many folks in this group, I've been contemplating converting from Quicken to GNUCash (well, to basically *anything* else). I have an account history spanning two decades (MS Money till sunset and Quicken thereafter), so I knew it wasn't going to be an easy task if I wanted to convert *and* kee...
by Saving$
Sat Dec 16, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 6004

Re: Financial Assistance to Adult Child (health insurance)

I'd second the Dave Ramsey suggestion if she would attend. The benefit is that she will meet people there who are also trying to better their financial habits. It is better to have those people in her social network than the ones whose spending habits are like hers or worse.
by Saving$
Sat Dec 16, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5206

Re: Moto G5 Plus: Software updates?

VictoriaF wrote:
Sat Dec 02, 2017 5:48 pm
Under the influence of Bogleheads recommendations and low prices, I have ordered a Motorola Moto G5 Plus.
So Victoria, how do you like your Moto G5 Plus?
by Saving$
Sat Dec 16, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1767

Re: Experiences with Quicken to GNUCash Conversion.

I experimented several years ago, but GnuCash would not support tags (in addition to categories). I needed tags for project based tracking (rental properties, etc.). Does GnuCash now support tags? I don't see any Tag field per transaction, but wouldn't it be be possible to work around it using any ...
by Saving$
Sat Dec 16, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5206

Re: Moto G5 Plus: Software updates?

batpot wrote:
Tue Dec 12, 2017 4:23 pm
Chip wrote:
Tue Dec 12, 2017 12:51 pm
I don't believe that I have OK Google turned on (where do you do that, exactly?)
with the phone unlocked, long press the "home" soft button (the circle).
Can you share with us how to turn OFF OK Google?
I may have accidentally long pressed the home button.
by Saving$
Thu Dec 14, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Alliant 3/2.5% card - any experience?
Replies: 32
Views: 4203

Re: Alliant 3/2.5% card - any experience?

Alliant is a great Credit Union - competitive rates, good service. This card gives 3% cash back the first year with no fee. So for the first year it is a no brainer. After the first year, it gives 2.5% but with a $59 fee. I think you have to spend over $12k/year on the card to make this a better dea...
by Saving$
Thu Dec 14, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 9023

Re: TaxAct and alternatives

They sometimes have pretty good customer service. I remember being stunned at how good the customer service was at times. Then I had an issue emailed tech support and had a series of very disappointing encounters, especially since the previous encounter was so good. They kept telling me I was not su...
by Saving$
Wed Dec 13, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 9023

Re: TaxAct and alternatives

I haven't received a single communication from TaxAct since I filed my return last January. No offers, no solicitations, nothing. This, after being a loyal (desktop and online) customer for a dozen or so years. I didn't notice any mention on this site of any cyber Monday deals so I intend to provid...
by Saving$
Wed Dec 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 9023

Re: TaxAct and alternatives

Is FreeTax USA an online only product (appears to be based on website, but I thought I would check with the experts here)? If FreeTax USA is online, what is the current best option for those of us who do not want our personal financial information shared with one of these services (remember - if the...
by Saving$
Mon Dec 11, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: SodaStream Jet vs SodaStream Fizzi vs no SodaStream
Replies: 4
Views: 575

Re: SodaStream Jet vs SodaStream Fizzi vs no SodaStream

Thanks. The appeal of the Jet is that it can take both the 60l and the 130l cartridges.
The BBB near my house sells the 130l cartridges and the 130l refills.
by Saving$
Mon Dec 11, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5206

Re: Moto G5 Plus: Software updates?

Interesting thread. Re Privacy & Maps: In the interest of protecting my privacy, I regularly turn off location services on my Moto G5+ unless I am using the Map wayfinding feature. Re Remote kill of the phone: I did not know about the "Find, Lock or Erase a lost Android." Thank you for the link abov...
by Saving$
Mon Dec 11, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1767

Re: Experiences with Quicken to GNUCash Conversion.

I experimented several years ago, but GnuCash would not support tags (in addition to categories). I needed tags for project based tracking (rental properties, etc.). Does GnuCash now support tags?
by Saving$
Mon Dec 11, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: SodaStream Jet vs SodaStream Fizzi vs no SodaStream
Replies: 4
Views: 575

SodaStream Jet vs SodaStream Fizzi vs no SodaStream

Considering a SodaStream device as my household currently purchases alot of Seltzer water and I live in an area with good tasting tap water. Sodastream seems to offer the following: 1. Eliminates the burden of lugging the heavy 2 liter bottles of Seltzer from the grocery to the car, and from the car...
by Saving$
Sun Dec 03, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5206

Re: Moto G5 Plus: Software updates?

One more thing - when you first get the phone, it will use alot of data loading updates. Be sure to connect it to WiFi, and the initial load and updates seem to go on for days - I think certain things must update, after which other things update, and the phone probably only pings once every 24 hours...
by Saving$
Sun Dec 03, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5206

Re: Moto G5 Plus: Software updates?

Under the influence of Bogleheads recommendations and low prices, I have ordered a Motorola Moto G5 Plus. This will be essentially my first smartphone. I bought another phone several years ago, tried it, got stuck on some function, and put it back into the box, where it still resides. I hope to be ...
by Saving$
Sun Nov 26, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5947

Re: Etiquette question: Paying for meals out & out of town guests

I think the answer totally depends upon the relative situations of the parties. If there is economic parity, or even if not, if both parties are well to do enough to afford the dinner, then the person receiving the free hospitality should absolutely treat the hosts family to a meal out. However, fam...
by Saving$
Sun Nov 26, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Removing stains from outdoor masonry
Replies: 6
Views: 420

Re: Removing stains from outdoor masonry

What type of stains? If they are white, the stains are probably efflorescence, which are deposits of salts picked up inside the masonry and mortar as water travels through and left on the surface as the water dries to the exterior. Power washing will only force more water in and is likely to make it...
by Saving$
Tue Nov 21, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 13037

Re: Help DW gets fired, but then next day her boss offers her job back

Depends upon 1. Sounds like your wife's employer was laying her off, rather than firing her. Firing is usually for cause. Did the employer already give your wife any termination paperwork, or was it all verbal? This matters because if they did not give her any paperwork and it was all verbal, and th...
by Saving$
Sun Nov 19, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 11180

Re: Crashplan for Home ending service late 2018

Any updates on this thread? What are the suggestions for a Luddite? I have 57 GB of data, and could get that down to under 50 GB if needed, all on one computer. My current backup plan is an approx monthly manual copy of the content of my computer to a separate hard drive kept in a safe. It has the l...
by Saving$
Thu Nov 16, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 38
Views: 2746

Re: Office Chair Recommendations (Aeron?)

I used an Aeron at a previous employers and really liked it - better than any chair I had used up until that time. A few years ago, I needed to buy an office chair for home. I bought the $89 Costco office chair that has the mesh seat and mesh back and armrests that raise up out of the way (I think i...
by Saving$
Sat Nov 11, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 874

Jetted Tub: Maintenance and type

Seeking experience from those who may have either a jetted tub and/or a walk in type tub. I've read that jetted tubs are not a good investment unless there is a person in the household who regularly takes baths, which is the situation. Moreover, the bath lover has been pining for a jetted tub for ma...
by Saving$
Sat Nov 11, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 5306

Re: Worth changing 40 gal. to 30gal. hot water tank?

WH facts - If your old WH has a yellow energy sticker indicating how much it costs to run, it is based on assumed quantity of usage and assumed cost of energy. Figure out how much you use, and your current cost of energy. - Factors contributing to how much hot water you get from a tank WH are size o...