Search found 1542 matches

by Saving$
Fri Jan 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 91
Views: 10446

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: 19
Views: 1471

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: 127
Views: 5331

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: 15
Views: 1088

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: 25
Views: 1028

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: 2394

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: 477

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: 1900

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: 4571

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: 1974

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: 1650

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: 5816

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: 4953

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: 1650

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: 4953

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: 31
Views: 3817

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: 8271

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: 8271

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: 8271

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: 478

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: 4953

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: 1650

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: 478

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: 4953

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: 4953

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: 5750

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: 408

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: 12345

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: 10700

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: 2541

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: 840

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: 5129

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...
by Saving$
Tue Nov 07, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 2019

Re: Okay to paint exterior brick?

The brick is cool. I would leave it. Pick up a shade of the red in the brick, just a bit darker, on the trim.
Painted brick is going out of style...and it screams "unwise...just turned a totally maintenance free finish into one that will need to be maintained in perpetuity..."
by Saving$
Fri Nov 03, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1824

Re: How much to spend for bathroom remodel with these features in LCOL area

Have you looked at adding aging-in-place features during the remodel? Hand rails (or support blocks for them); possibly widening any doors too narrow for a walker; or a sink design that can be converted to let a wheelchair user access it. It will be a lot cheaper to do now than ever again. This. Wa...
by Saving$
Mon Oct 30, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off half of house to sister-in-law?
Replies: 4
Views: 726

Re: Paying off half of house to sister-in-law?

It is unclear from your post what the source of the payoff money is. A 6 month emergency fund of your combined income is $62,500 (1/2 of $75k + $50k), which is insufficient to pay off a $96k loan and would leave you with no emergency fund. Perhaps you are proposing using the $62k emergency fund, and...
by Saving$
Sun Oct 29, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1311

Re: Medical Billing question

So bottom line - should she be more insistent that they not bill her for this, or should she pay it, or other?
by Saving$
Sat Oct 28, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1311

Re: Medical Billing question

First, did she get a 2D or 3D (or digital) mammogram? Some insurance companies don't pay 3D 100% and some breast centers only have 3D. There may have been extra cost with that. She has no idea. Is there a way to check that on the billing? She says the follow up was on a different machine, and near ...
by Saving$
Fri Oct 27, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1311

Medical Billing question

A family member changed doctors, which resulted in a change in provider eco-systems, lets say from Old to New New doctor directed my family member to get her annual mammogram at the New facility associated with the hospital group with which the new doctor is associated. When my family member tried t...
by Saving$
Sun Oct 22, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Hacked Router or ASUS website or other?
Replies: 6
Views: 658

Hacked Router or ASUS website or other?

I bought a new router. When I got home and opened it, it looks like it has been previously purchased and returned (antennas were already screwed onto the router, etc.) Googling factory reset of an Asus Router, returned the 30-30-30 method (hold reset button for 30 seconds, then keep button pressed w...
by Saving$
Sun Oct 22, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4747

Re: Experian Dark Web scan

Maybe not quite the same thing but you can sign up for “Have I been pwned” that tells you if your email (and applicable password) has been part of a nationwide hack and is floating out there on various lists. Do we know if signing up for that is safe? ie how do we know that itself is not just anoth...
by Saving$
Sun Oct 22, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Mother's Assisted Living Costs instead of selling her condo, since I'm the beneficiary?
Replies: 6
Views: 1111

Re: Pay Mother's Assisted Living Costs instead of selling her condo, since I'm the beneficiary?

If you sell the condo now, the capital gains will accrue to your mother. Was the condo her primary residence, or a rental? - If her primary residence, she gets a capital gains exclusion of up to $250k if she lived in it 2 of the last 5 years - If she did not live in it 2 of the last 5 years, or if i...
by Saving$
Sun Oct 22, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: Getting an HSA Brokerage option with Fidelity
Replies: 2
Views: 524

Re: Getting an HSA Brokerage option with Fidelity

mhalley wrote:
Sat Oct 21, 2017 8:16 pm
Any particular reason you want fidelity?
Would keep things simple as I already have accounts there and I like their user interface.
by Saving$
Sun Oct 22, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange for selling rental, building ADU at existing OO property?
Replies: 4
Views: 334

Re: 1031 exchange for selling rental, building ADU at existing OO property?

Thanks - My friend owns the land on which his own house is situated - The new ordinance allows him to construct an ADU on this land, and allows rental of that ADU. No ADU currently exists. Cost to construct would be about $55k - He was wondering if he can do a 1031 from one of his existing rentals h...
by Saving$
Sat Oct 21, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange for selling rental, building ADU at existing OO property?
Replies: 4
Views: 334

1031 exchange for selling rental, building ADU at existing OO property?

A nearby municipality just passed a new law that allows the construction of ADU's (accessory dwelling units) on certain properties. The ordinance specifically states the ADU must be built on the same property as the main house, and the property cannot be subdivided. A friend who lives in his owner o...
by Saving$
Sat Oct 21, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Getting an HSA Brokerage option with Fidelity
Replies: 2
Views: 524

Getting an HSA Brokerage option with Fidelity

Fidelity offers HSA's, but currently they seem to be restricted to employers with >2000 employees. The below article indicates that later this year they will open that to employers with >50 employees. http://www.investmentnews.com/article/20170328/FREE/170329924/record-keeper-empower-jumps-into-hsa-...
by Saving$
Sat Oct 21, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51446

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I've read this entire thread, and others, as well as the wiki (https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style ) and am still confused. Can someone please confirm or correct the following: If you have or will have a tax advantaged account at TDA (such as a...
by Saving$
Sat Oct 14, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 158
Views: 19273

Re: New HSA provider Lively offers investments for $30/yr fee

Left account open but staying with SelectAccount HSA for now, b/c the minimal difference in expenses isn't worth the hassle of two active accounts. I understand that. :beer I've been grumbling about the growing fees in my employer-sponsored HSA for two years. Twice, I had even downloaded all of the...
by Saving$
Wed Oct 11, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20464

Re: Growing old without kids or younger caring relatives

Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets. How the Elderly Lose Their Rights Guardians can sell the assets and control the lives of senior citizens without their consent—and reap a profit from it. http://bit.l...
by Saving$
Wed Oct 11, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 4261

Re: Wifi Thermostat

1. The posts noting the wiring issues are correct. You need a C wire. On a typical split system (furnace for heat/electric AC), this means more than 4 wires. If your existing wiring does not include a C wire, your options are to run new wire, or to forgo the setting on which your HVAC fan can run wi...
by Saving$
Tue Oct 10, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 158
Views: 19273

Re: New HSA provider Lively offers investments for $30/yr fee

Does your money go direct from your current HSA to Choice Financial, or does Lively have custody of it? - If it goes direct to Choice Financial, isn't your money safe since they are FDIC insured? - If it does not go direct, I guess the time Lively has it is when you are at risk. - Once the money is ...