Search found 161 matches

by Clark & Addison
Thu Jan 10, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1849

Re: Experience with HSA to HSA trustee transfer?

You do not have to withdraw all of you money when you do a rollover. The disadvantage to the rollover is that it can only be done once per rolling 12 month period. All you have to do is make a normal withdraw from your employer HSA, then mail in a check for the same amount and the deposit slip below...
by Clark & Addison
Thu Jan 10, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 621

Re: Fidelity HSA Rollover Form

Can you provide link to form you used? I was all over website trying to find forms and got lost... I was told to use the standard deposit slip https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/deposit-slip.pdf This is the form I used too. Just check the 60 day roll...
by Clark & Addison
Fri Jan 04, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3385

Re: master suite features for addition

When we did our custom house, the plumber agreed to place the outlet for the shower head over 7 feet high, makes a huge difference for my wife and I. We are both fairly tall, and the "traditional" height of 6 feet for the shower head did not cut it. I'll second this. I walked into our home as the p...
by Clark & Addison
Tue Dec 18, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Southbound-which deck and balcony location
Replies: 15
Views: 859

Re: Alaska Cruise Southbound-which deck and balcony location

We did the 7 day Voyage of the Glaciers Southbound Anchorage to Vancouver on a different Princess ship this summer. It was a great cruise. I can't comment on the room itself as we had an interior room. As far as the viewing went, the naturalist on our ship was a great resource. She was full of infor...
by Clark & Addison
Sat Dec 08, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to trade land without paying taxes or exchanging funds?
Replies: 19
Views: 1463

Re: Any way to trade land without paying taxes or exchanging funds?

The land you own now need to have been used in business or held for investment. Has it been producing rental income or have you been holding it for appreciation? Your accountant should be able to help figure out if you qualify for 1031. The land does produce income and has since before we built on ...
by Clark & Addison
Sat Dec 08, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to trade land without paying taxes or exchanging funds?
Replies: 19
Views: 1463

Re: Any way to trade land without paying taxes or exchanging funds?

You can absolutely do a 1031 like you want - it would be a case of simple 2 party simultaneous exchange, where you swap properties without any cash being exchanged. However has to be investment property, and like other posters said, likely subject to transfer tax (but that's dependent on your state...
by Clark & Addison
Sat Dec 08, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Any way to trade land without paying taxes or exchanging funds?
Replies: 19
Views: 1463

Re: Any way to trade land without paying taxes or exchanging funds?

Thanks for all the responses. Looks like this is going to be more complex than I was hoping for. I'll be calling the accountant and attorney on Monday. We're not interested in anything illegal, just hoping to find a legal way to trade properties without paying taxes on it. Maybe that's not possible.
by Clark & Addison
Sat Dec 08, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Any way to trade land without paying taxes or exchanging funds?
Replies: 19
Views: 1463

Re: Any way to trade land without paying taxes or exchanging funds?

Fortunately/unfortunately depending on how you view it, our county doesn't have zoning or a building department. In our county, all that is needed to build a new home is to contact the assessor's office (for taxes) and the health department (for septic). The property that we are going to trade is ov...
by Clark & Addison
Fri Dec 07, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to trade land without paying taxes or exchanging funds?
Replies: 19
Views: 1463

Any way to trade land without paying taxes or exchanging funds?

Is it possible for two people to trade properties without buying the properties from each other and not paying any taxes on the exchange? We have a family member that is wanting a part of a property that we own to build a house on. He has property that is very close to us, just not exactly where he'...
by Clark & Addison
Thu Dec 06, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2048

Re: Should we sell farmland to coal company?

Do you want a surface coal mine 4 miles from your house? Will they still strip mine if you don’t sell, or can you stop the project by not selling? Living next to a strip mine is something I would not do. If the project goes forward, you will want to move. I'm not sure if us not selling would stop t...
by Clark & Addison
Thu Dec 06, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2048

Re: Should we sell farmland to coal company?

Do you want a surface coal mine 4 miles from your house? Will they still strip mine if you don’t sell, or can you stop the project by not selling? Living next to a strip mine is something I would not do. If the project goes forward, you will want to move. I'm not sure if us not selling would stop t...
by Clark & Addison
Thu Dec 06, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2048

Re: Should we sell farmland to coal company?

Seems the biggest uncertainty in what you just described is the actual market value of the land. I'd suggest you get an impartial land appraisal before you agree to anything. The coal company certainly does not have your best interest at heart. (ETA: when getting the appraisal, don't forget to ask ...
by Clark & Addison
Thu Dec 06, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2048

Should we sell farmland to coal company?

We have some farm ground about 4 miles from our home that was inherited about five years ago. We do not farm. We cash rent the land to family. We have been contacted by a land company interested in purchasing the land (for 200% of current market value) for a coal company to surface mine. My first th...
by Clark & Addison
Fri Nov 30, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65185

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

For forced snailmailers, how long does the "Paperwork Not Yet Received" stay on the website ETA: I found a number of earlier posts showing it can be slow to update from "Paperwork Not Yet Received" I.e. "Paperwork Not Yet Received" is not literally true. They receive it, but don't tell you that the...
by Clark & Addison
Wed Nov 28, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Horace Mann vs Amica auto and homeowners insurance
Replies: 3
Views: 512

Re: Horace Mann vs Amica auto and homeowners insurance

I had Horace Mann auto and homeowners insurance for 7 or 8 years in the past. I had no problem with them, but I never had to make a claim during that time. When we got some farm rental properties, I was told by our Horace Mann salesman that he couldn't insure them (also told us they'd wouldn't insur...
by Clark & Addison
Tue Nov 27, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65185

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Has anyone had their mailed in trustee-to-trustee transfer go through yet? I mailed in my transfer of assets paperwork with my latest statement from a local credit union and when I go to the transfer tracker page on the Fidelity site, it says, "Paperwork Not Yet Received" even though USPS tracking s...
by Clark & Addison
Fri Nov 23, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65185

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I just talked to another Fidelity representative. He said that my online deposit showed up as a contribution, not a rollover. He cancelled that transaction and is having me fill out the paper form linked above and send it in with a check. Unfortunately, it doesn't look like there is a way to do the ...
by Clark & Addison
Fri Nov 23, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65185

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

What procedure did you use? How exactly did you designate the incoming funds as a rollover? (Is it even possible online?) I know there's this paper form here (to be filled and mailed with paper check) https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/deposit-slip.p...
by Clark & Addison
Fri Nov 23, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65185

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Anyone know how to make sure that a rollover to Fidelity is not counted as a 2018 contribution for the IRS? I rolled over an amount under the yearly limit, but adding it plus my contributions to my employer plan would be above the limit. I did this indirect rollover online and didn't see anywhere to...
by Clark & Addison
Thu Nov 15, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover?
Replies: 3
Views: 365

Re: HSA Rollover?

Okay, one additional question. I think this will work, but can someone please confirm? I just talked to the credit union where my non-employer HSA is held. They confirmed that there is no transfer fee to transfer funds out of my HSA there. My employer based HSA does charge a $25 outgoing transfer fe...
by Clark & Addison
Thu Nov 15, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover?
Replies: 3
Views: 365

Re: HSA Rollover?

Thanks for the information. That is what I was needing to know. I was hoping to avoid the transfer fee by doing a rollover from each account. I'll just rollover the larger account now and either wait a year to start an rolling over my employee HSA or decide whether it's worth the $25 transfer fee to...
by Clark & Addison
Thu Nov 15, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover?
Replies: 3
Views: 365

HSA Rollover?

I know that a HSA rollover can only be done once per rolling 12 month period, but is this once per HSA account or once per owner? I have an HSA that I use for payroll deductions to avoid payroll/ss taxes and another HSA that I've previously transferred money to. Am I able to do a HSA rollover from b...
by Clark & Addison
Thu Jul 19, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Weird info from HR on HSA
Replies: 13
Views: 1829

Re: Weird info from HR on HSA

I thought this year's maximum contribution was $6,850? It was originally announced as $6,900, but then lowered. Has this changed again?
by Clark & Addison
Fri Nov 17, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 2232

Re: Questions for Boglehead runners

In fifth grade, I vowed to run every single day without fail -- a promise I kept until recently when I had a minor injury (not from running). But I'm back in the groove. Just curious, how long of a streak was this? Throughout high school, college and my career. Many years. Keep in mind though that ...
by Clark & Addison
Fri Nov 17, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 2232

Re: Questions for Boglehead runners

In fifth grade, I vowed to run every single day without fail -- a promise I kept until recently when I had a minor injury (not from running). But I'm back in the groove.



Just curious, how long of a streak was this?
by Clark & Addison
Thu Sep 14, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 4951

Re: Advice Badly Needed---Meeting with Financial Advisor

Definitely cancel the meeting. Read the wiki here on getting started. Many 403b's are poor products (I'm a teacher and mine is bad). Post your list of 403b provider options and others on here can let you know what your best option is. It's usually worth using the 403b at least up to any match you ma...
by Clark & Addison
Fri Jul 07, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life Insurance
Replies: 8
Views: 873

Re: Transamerica Life Insurance

I do. Have had for around ten years. No issues thus far. Hopefully won't ever use it.
by Clark & Addison
Fri May 12, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 5751

Re: Do I have a problem in the backyard in need of a professional?

Looks like a crawdad (crayfish/crawfish are the same thing) hole to me. They're more common in rainy seasons or near streams. Smash it flat. More may pop up here and there, just smash them when you see them. They're not a problem.
by Clark & Addison
Mon Apr 24, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7593

Re: Zero-Turn Mowers

I'm piggybacking onto this thread as I'm also in the market for a ride on/zero turn mower. My only question is how are the zero turn on hills? I have one section of my back yard that has a pretty decent slope (maybe not quite 30 degrees but I bet it's close). Is a zero-turn out of the question? Zer...
by Clark & Addison
Mon Apr 24, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7593

Re: Zero-Turn Mowers

Is there much of a learning curve to go from steering wheels to sticks? Not really. The vast majority of zero turns are stick controlled, so that should tell you they can't be too hard to control. After mowing with the sticks a time or two you will be fine. As others have mentioned, the steering wh...
by Clark & Addison
Sun Apr 23, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7593

Re: Zero-Turn Mowers

I personally like the dual stick controls, but that is what I'm used to. My dad has a zero turn mower with a steering wheel and the advantage is that it's harder to spin the​ rear tires than with the dual sticks. This is nice for his yard that is irrigated because his previous zero turn would tear u...
by Clark & Addison
Wed Apr 12, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 30
Views: 2345

Re: 403(b) Option Help

I assume that since you're asking about 403b advice that the Roth you mentioned is for a Roth 403b, but I want to give you another heads up. I am a K12 teacher too, and when I was your age I had my Roth IRA with one of the insurance companies that came and visited the school. I was not aware of what...
by Clark & Addison
Tue Feb 28, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 5851

Re: Grass trimmer

I've used this Echo trimmer (http://www.homedepot.com/p/ECHO-2-Cycle-21-2cc-Straight-Shaft-Gas-Trimmer-SRM-225/100675439) for the last four years and have never had a problem. The bump feed line works just like it is supposed to and is very easy to reload. Price is a little more than you wanted to s...
by Clark & Addison
Fri Feb 10, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1797

Re: The 6 403b Companies Offered Where I Teach

Not sure what your total portfolio looks like, but here's what I did with similar options. Luckily my wife has a good 401k through Fidelity, so after maxing both of our Roth's, we put more money towards her 401k than we do to my 403b. I use Horace Mann and their guaranteed fund at 2.5%. Their guaran...
by Clark & Addison
Tue Jan 03, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 10064

Re: Are Younger people funding 529 Plans?

A 20% tax credit seemed too good to pass up. So is that social engineering where a state government will try to have more customers to its public universities in the future that pay their own tuitions and expenses while costing said customer reduced retirement assets? Possibly, but the 529 can be u...
by Clark & Addison
Tue Jan 03, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 10064

Re: Are Younger people funding 529 Plans?

We are both 33. We started funding a 529 when our first child was born 8 years ago to take advantage of the state tax credit. A 20% tax credit seemed too good to pass up.
by Clark & Addison
Sat Dec 10, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 1362

Re: Moving an 8ft slate pool table

I've moved one twice. Two people can move it without problem once it's taken apart. Like others have said, as long as they are careful taking it apart and are careful putting it back together I don't see a reason to hire someone.
by Clark & Addison
Sat Sep 03, 2016 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: investing in a 403b
Replies: 6
Views: 1117

Re: investing in a 403b

Check with Valic to see if that .32% is the total fee. Usually the insurance companies that deal with 403b plans use annuities which a lot of times add 1% or more in the form of M&E fees on top of the expense ratios of the funds. In my experience with one of your listed providers that was the case f...
by Clark & Addison
Wed May 18, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 2678

Re: Dark wood tile floors (not real wood)

No experience with the hardwood looking tile, but we just built a new house and did not use dark hardwood (we used a medium colored hardwood) for the same reasons. I would be very surprised if the dark tile didn't show dust/dirt. I think your friend is correct. You may get better answers on the Houz...
by Clark & Addison
Thu May 05, 2016 5:40 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5646

Re: 403b provider choices

I talked with our district's Security Benefit representative last week and asked him if he knew anything about the Direct Invest option. He said that he had just recently heard of it and that I was the first person to ask him about it. He knew very little about it, but was interested in learning mor...
by Clark & Addison
Thu May 05, 2016 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Campaigning for a better 403b plan help
Replies: 9
Views: 1073

Re: Campaigning for a better 403b plan help

There is lots of good information on 403b plans on the 403bwise.com site.
by Clark & Addison
Wed Feb 17, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5646

Re: 403b provider choices

Does anybody know if you have to be an NEA member to use the Security Benefit NEA/Direct Invest 403b? Security Benefit is one of our options, but I am not and NEA member.
by Clark & Addison
Wed Feb 17, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 2304

Re: Water Softener - Required?

Test the water to see how hard it is, and go from there. Agreed. Some areas have really hard water and some don't. If the water is too hard it can cause problems with appliances that use water and your faucets whether or not you drink it. Soft water also uses less soap and is supposedly better for ...
by Clark & Addison
Fri Jan 29, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5646

Re: 403b provider choices

Does her 403b have a match? My school district offers a 1% match, so even though the options aren't good, I find it worth it to contribute just enough to get the match. Then we do what you have proposed. We put just enough into my 403b and put a much larger amount into my wife's 401k becuase it is a...
by Clark & Addison
Sun Jun 14, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 25880

Re: Gifting Money at Parties

We are a teacher and nurse in a low cost of living area. Most weddings we attend are in the $15-$20 per plate price range. $50 for non-family members is typical for us.
by Clark & Addison
Wed Jun 03, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Bread Machines?
Replies: 41
Views: 4489

Re: Bread Machines?

I have a never used bread machine. I guess I should give it away, but my brother gave it to me. Worse, I had asked for it :D Next topic, waffle irons. So do we. I talked my wife out of registering for a bread machine when we got married eight years ago, so her mom got her one for Christmas. It has ...
by Clark & Addison
Thu Apr 23, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 7127

Re: Age in Bonds Poll

We're at age-10 in bonds and plan to stay at age-10.
by Clark & Addison
Fri Mar 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 9910

Re: Hearse as daily driver?

I would, but I'm fairly confident my wife would have nothing do do with it.
by Clark & Addison
Tue Mar 03, 2015 6:19 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 9016

Re: Taylor Larimore Honored

Congratulations Taylor!