Search found 1590 matches

by Saving$
Tue Aug 14, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 18
Views: 933

Re: Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet each. I realize there...
by Saving$
Thu Aug 09, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2134

Re: Grind and Brew Coffee Makers - worth it?

Which superauto needs such little maintenance??? I have a Saeco, and am about to give up on it. It needs a major cleaning (remove brew group, etc) every time I empty the dregs box. The amount of unused grounds that spill out past the brew group is disappointing, but I have finally started to collec...
by Saving$
Thu Aug 09, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8254

Re: Huge mortgage mistake

At this point: 1. Keep sufficient emergency fund 2. Fully fund retirement accounts and HSA (401k/Roth, etc) 3. Use extra to pay down mortgage 4. When mortgage balance reaches 78% of purchase price, request dropping PMI. 5. If lender requires re-appraisal to drop PMI, run the numbers to see it cost o...
by Saving$
Tue Aug 07, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2134

Re: Grind and Brew Coffee Makers - worth it?

For the higher end super automatic machines what is the cleaning process like, especially for the used grinds? I assume you still need to empty and clean between uses? There's a small container that collects the grounds - they're pushed into a small puck - and after 10 or so cups the machine says t...
by Saving$
Sat Aug 04, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing donation of goods
Replies: 6
Views: 430

Re: Valuing donation of goods

Under the new tax law, you may not be getting any benefit from the charitable deduction this year onwards anyway. So this may turn out to be moot. Based on the new tax law tiers, my prior years itemized deductions, and my understanding of thn new tax law, including State & Local capped at $10k, I a...
by Saving$
Sat Aug 04, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing donation of goods
Replies: 6
Views: 430

Valuing donation of goods

Goodwill publishes an online guide to value donations. For example, Goodwill values an adult sweater at $5. Some tax software also comes with a "donation assistant." In this software, an adult sweater is valued at $14 in good condition, $28 in "better" condition (I guess better than good condition?)...
by Saving$
Tue Jul 31, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2150

Re: First smartphone:What to buy and what prepaid plan to sign on?

If you only want your child to be able to contact (text or call) you in an emergency, buy a $30 android at the grocery store, and get a $10 m plan. I would not get a child who is just starting to take the bus a $200 phone. Alternatively, give your child your phone, and get yourself the $200 Moto G5 ...
by Saving$
Tue Jul 31, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 2960

Re: Park more than $250,000 in cash

If you need to carry more than $50,000, vanguard treasury money market is great. Current sec yield 1.87. State and local income tax exempt, which for some will make the taxable equivalent yield higher than prime money market. 100% in t bills so no need for FDIC insurance. Otherwise you can do a var...
by Saving$
Fri Jul 27, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 32
Views: 4692

Re: Fidelity Private Client Group

It appears their current model evaluates service tiers not based on how much you have at Fidelity, but rather how much trading you do, and the level of assets you invest with their "Wealth Services" which looks like it comes with an additional fee. This is unfortunate. I've also enjoyed the free wi...
by Saving$
Thu Jul 26, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 32
Views: 4692

Re: Fidelity Private Client Group

It appears their current model evaluates service tiers not based on how much you have at Fidelity, but rather how much trading you do, and the level of assets you invest with their "Wealth Services" which looks like it comes with an additional fee. This is unfortunate. I've also enjoyed the free wir...
by Saving$
Wed Jul 18, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 21
Views: 1929

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd fl...
by Saving$
Sat Jul 14, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1317

Re: Questioning insurance valuation for homeowners

I have the same issue, but the other way around. USAA claims the cost to rebuild is much lower than the cost I just paid to build. I know the cost is correct, because I had several estimates, and they were all very close. Frustratingly, USAA absolutely refused to allow me to insure the structure for...
by Saving$
Fri Jul 06, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1445

Re: Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. This does not sound quite right...
by Saving$
Fri Jul 06, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1445

Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. So now I find that the front are...
by Saving$
Wed Jul 04, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 8655

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Presumably you are young and single. Seems your question should really be what is more important to you in the long run - career or family? Do you plan to start your own family? If so being close to your family may be important, and 3 to 4 hours away may be something you don't want. In that case, co...
by Saving$
Wed Jul 04, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4204

Re: Monthly Water Usage

The quantities of water used listed above seem outrageously high to me. My household usage over the last five years has averaged 1 ccf (748 gallons) per adult per month. And based on habits I believe it could be lower. This usage includes: 1. Use dishwasher to clean dishes. Cleaning by hand uses muc...
by Saving$
Sun Jul 01, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2403

Re: Just joined the workforce with $400k in student debt: can you review my financial plan?

1. Put as much as possible into any type of Roth you can while your income is low. That means if loans are deferred keep them deferred, keep paying min on car loan, live like a pauper, etc. You will never in your life be able to recapture any lost Roth "space" so take it now, especially because your...
by Saving$
Mon May 28, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2272

Re: Best brand of appliances for new condo

Since I found out that Whirlpool donates a new range & refrigerator to every Habitat for Humanity house built in the US (and has for 19 years), I have purchased from the Whirlpool family - Whirlpool, Amana, Kitchen Aid, Maytag or Jenn Air. Refrigerator went for 18 years. All others still going.
by Saving$
Sun May 20, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8292

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Forum ate my longer post, so the cliff notes version Very sorry for you and your kids loss. Focus on making sure all of you make it through this ok. You have received good advice. 1. Find a place or places to park the 1.5 mil 2. Find health insurance 3. Figure out if your husband had a 401k or IRA. ...
by Saving$
Sun May 20, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4686

Re: Bed Bugs

For those who have dealt with this or have knowledge about bed bug infestations: 1. Posts above indicate the bed bug sniffing dog is important, yet googling indicates there is skepticism about the dogs. Which is it? 2. Some indicate treating only the affected area, some the entire structure. Has any...
by Saving$
Tue May 08, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3720

Re: Asked to be Executor - What questions to ask

Thanks to all for the excellent info. This is such good info, I'm wondering if it would be appropriate in the Wiki. To answer a few questions: 1. The kids get along ok; the parents do not want having one or the other being executor to divide them as this recently happened in a situation with which w...
by Saving$
Sat May 05, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account
Replies: 52
Views: 5430

Re: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account

Thanks everyone for the continued advice. Regarding tax basis - my grandmother passed away a little over a year ago so the basis was about 930k and now it’s 1 million. I haven’t touched it since I inherited it. My husband and I want to try to live as though we don’t have that inheritance so that it...
by Saving$
Sat May 05, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account
Replies: 52
Views: 5430

Re: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account

- based on your input I think it’s best if my husband and I open up two Roth IRAs, max them out and max out 401ks at work - after that we won’t have enough in savings to invest more in the brokerage accounts but we also probably won’t need to take any money from the brokerage account either. This i...
by Saving$
Mon Apr 30, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3720

Asked to be Executor - What questions to ask

Close friends recently asked if they can name me as their executor. I agreed, and we will schedule a meeting. At this point I have no other details. They are concerned the kids will fight over money if they name one of them as the executor, so they want a non-involved third party they trust. I'm hap...
by Saving$
Sat Apr 28, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4912

Re: HOA won't help. [Homeowners Association]

You got the covenants and bylaws when you closed. Read them. The HOA has a name. Look it up on your state's secretary of state website, and that will list the officers and the HOA address of record. Send a certified letter to the HOA at the address of record, with copy to the president and the manag...
by Saving$
Fri Apr 27, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 30
Views: 3632

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

Search on Backdoor Roth, learn about it, and do it.
by Saving$
Sun Apr 01, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3360

Towel Warmers - worthwhile luxury or useless?

Do any Bogleheads have towel warmers in their baths? If so, does it work well? How long does it take to warm a towel? Do you use it or is it a useless gadget? Is it an electricity hog? The prospect of a warm towel on a cold winter morning is an enticing low cost luxury; the towel warmers cost under ...
by Saving$
Sun Mar 04, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley wants my 410K and everything else, Why?
Replies: 63
Views: 5737

Re: Morgan Stanley wants my 410K and everything else, Why?

Thank you, I should have been more clear on what is inside the Morgan Stanley account, there are 27 common stocks and 3 etfs. I looked hard at the year end statement and I don't see any fees listed. I will talk to my FA next week and ask him about his fees. Second the advise about NOT asking about ...
by Saving$
Sun Mar 04, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on 2017 TaxAct Download version
Replies: 1
Views: 182

Questions on 2017 TaxAct Download version

For anyone that has the download version of TaxAct, or anyone else who knows: 1. Are there any coupons available for the download product? 2. Are you able to access forms that are not included in the interview, or are all of those forms somehow locked out? Specifically, if you have the Plus product,...
by Saving$
Sat Mar 03, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6409

Re: Electric Toothbrushes - again

Does anyone have any experience with the Quip? It is heavily advertised on the internet, and looks lightweight and easy to keep clean. Bought a set of Oral B's years ago. They lasted 6-8 years ea (I forget)used by two different people and the switch on both stopped working within 2 months of each ot...
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: 2001

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: 962

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: 545

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: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7522

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: 35
Views: 3165

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: 4264

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: 4685

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: 2103

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: 3618

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: 1891

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: 1912

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: 1460

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: 3141

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: 8753

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: 1132

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: 17988

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: 3381

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: 981

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: 111
Views: 15117

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: 268
Views: 47531

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.