Search found 80 matches

by ILnative
Wed Nov 22, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Which HDHP (high deductible health plan) would you choose?
Replies: 5
Views: 424

Re: Which HDHP (high deductible health plan) would you choose?

are the deductibles embedded? that is important to consider.
by ILnative
Fri Nov 17, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1935

Re: United change fees

as others have noted - this is not unique to United - almost all of the legacy airlines would have charged you the same thing and/or cancelled her return flight if she had not taken the first flight. The only way to get around this is to fly Southwest and/or to know the rules backwards and forwards ...
by ILnative
Fri Oct 20, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10096

Re: Anyone planning on getting the new Pixel phone?

For those with a Nexus 5x - please be prepared for this phone to die/bootloop on you. Mine worked great and then with no warning froze up and I was in the dreaded bootloop. This is 17 months in to having this phone (purchased in May 2016). Looking at the various chat rooms/reviews - this is happenin...
by ILnative
Fri Aug 18, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10212

Re: Non-fiction bucket list

Two recent reads both by Nick Bilton

American Kingpin (about the Silk Road guy) - could.not.put.this.down very good

Hatching Twitter - also good, but not quite as compelling as American Kingpin
by ILnative
Wed Aug 09, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Future Accountant Seeking Advice
Replies: 10
Views: 1059

Re: Future Accountant Seeking Advice

Congratulations on all you have accomplished and best wishes as you move forward with your career in accounting. I spent 8 years in a big 4 firm and 7 years in a top 10 firm - ending my career as a tax partner. I'm now semi-retired and doing CFO for hire work for start ups. I would recommend trying ...
by ILnative
Wed Jun 21, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5511

Re: Google Fi? pros/cons? anyone using it?

Another happy Project Fi customer - had it over a year and service is good and low cost. We don't use a lot of data though - on wifi most of the time.
by ILnative
Sun Feb 05, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Spring Training in Phoenix
Replies: 7
Views: 979

Re: Spring Training in Phoenix

We are headed down for our second time (we went in 2014 as well). Get your tickets ahead of time and be prepared for some sticker shock - they are not cheap. Get to the stadium early and do some research on each of the stadiums (I think there is a website that reviews each stadium actually). I don't...
by ILnative
Mon Nov 07, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 13144

Re: Amazon Echo

But does she know "go, cubs, go"?? I could listen to that quite a few times a day!
by ILnative
Thu Oct 20, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 72
Views: 7393

Re: Putting in a Word About Tea - brands, types, etc.

For everyday drinking we enjoy Prince of Wales tea from Twinings (we get off of Amazon). If I need something stronger, I go to a "canadian" or "irish" breakfast blend (typically stronger than "british breakfast" blends). For a treat (weekends, usually) - we like really ...
by ILnative
Wed Oct 05, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Boglehead Paradise [relocation for more income]
Replies: 28
Views: 4298

Re: Boglehead Paradise [relocation for more income]

Also consider medium sized cities in the Midwest where cheap living can be found - the salaries are a bit less as well, but I have found that they don't come down as much as the COL does. We live in Indianapolis and love it. The city is easy to get around, the COL is extremely low and the business a...
by ILnative
Thu Jun 23, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 4260

Re: Verizon raised unlimited data by $20

I'll second the Project Fi suggestion. Check it out before you make a decision.
by ILnative
Fri May 27, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: One Day In Lima Peru - What to Do ?
Replies: 10
Views: 1118

Re: One Day In Lima Peru - What to Do ?

We hired a private guide and had a great day in Lima. Our guide listened to our interests and zipped us around the city - seeing way more than we could have on our own, and a few things we wouldn't have known to ask about. We used TaxiLimaPeru private tours. They have quite a few reviews on TripAdvi...
by ILnative
Mon May 02, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Cutting Cable & Major League Baseball
Replies: 17
Views: 2242

Re: Cutting Cable & Major League Baseball

Thanks for the heads up - we struggled with this when we cut the cord with cable. We actually end up listening to a lot of games through our Sirius/XM radio subscription in the house on a computer through a JBL speaker (if that makes sense). Baseball works on the radio, unlike a lot of other sports....
by ILnative
Thu Apr 28, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Degree, College and Career
Replies: 20
Views: 2376

Re: Degree, College and Career

I'm a CPA and have found it to be a very rewarding (and lucrative) career. But I really like accounting. What you lay out is most of the advantages - but the person has to like it. I would even add that the masters is not super critical to success (the extra hours to take the CPA are, but if you don...
by ILnative
Tue Apr 26, 2016 6:52 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 3478

Re: If not Children - Who/What Leave Estate To?

Our niece/nephews are not of age yet, so we chose to leave the majority (70%) of our estate split between 2 of our siblings (one for me, one for husband). The other 30% goes to 4 different charities. Once the niece/nephews are in their mid-20s, we will revisit and probably leave it to them - althoug...
by ILnative
Sat Apr 02, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should we use tax refund to pay off car ?
Replies: 15
Views: 1738

Re: Should we use tax refund to pay off car ?

I think your plan is a good one. I would look at the "extra" $350 per month and designate part of it (a good part of it!) to a savings account for your next car purchase, so you don't have to finance the next one...
by ILnative
Tue Mar 08, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How to classify workers: IC or employees for small business
Replies: 11
Views: 1265

Re: How to classify workers: IC or employees for small business

If I am remembering correctly - one of the prevailing factors is if you control when they work. Which you definitely do...
by ILnative
Fri Mar 04, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 2871

Re: Blow drying hair in the summer

Same issue here - I bought another blow dryer and keep it in our basement bathroom for "summer" use. You wouldn't have to have two dryers necessarily - but I am lazy :)
by ILnative
Tue Feb 23, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Working for] Big 4 Accounting Firms & Salary
Replies: 17
Views: 6864

Re: General Discussion: Big 4 Accounting Firms & Salary

I spent 8 years at one firm in the Big4 and then another 7 at a top 10 firm (ending up as a partner there). I would stay as long as you can/want to within the Big 4. I am working part time in my semi-retirement now and as I meet new clients the two things that walk in the room before me are my crede...
by ILnative
Fri Feb 19, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to work part-time - awkward?
Replies: 19
Views: 2441

Re: Returning to work part-time - awkward?

I think you will be fine! First of all, the person called you to come and help out so they are obviously comfortable with the situation and with you or they wouldn't have called! And second, the fact that you are even cognizant that there could be an issue means you have a high EQ and will probably ...
by ILnative
Fri Feb 19, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Property Tax Abatement and Escrow Account Trouble
Replies: 8
Views: 1099

Re: Property Tax Abatement and Escrow Account Trouble

Good luck. I had a similar problem with Citibank, even sent them spreadsheets, to no avail, they kept making us pay 3X what our actual property tax bills would be. In the end I made it my life's mission to pay my mortgage off so that I didn't have to deal with them - and I did 2 years later. Sorry I...
by ILnative
Thu Jan 28, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 4323

Re: wife needs phone. Android, iPhone or Windows phone?

another very happy Windows phone user. Absolutely no issues with anything crashing, ever. We are not app crazy, so the lack of apps does not bother us. Love the integration with one drive and the ability to look at and edit MS documents.
by ILnative
Tue Jan 12, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2748

Re: Thoughts on moving within same subdivision?

I think it is actually a pretty wise plan. Much of the risk of moving to a new neighborhood is not knowing how well neighbors behave, keep up their yards, drive on the streets, park on the lawns , etc. You know all that and you know the school district is good. My brother did the same thing (actuall...
by ILnative
Sun Oct 11, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pay Off Mortgage Early, Not Should I Pay Off Early
Replies: 21
Views: 4528

Re: How to Pay Off Mortgage Early, Not Should I Pay Off Early

What should be happening is that while your payment stays the same, the amount going to principal goes up and the interest goes down (especially as you pay more on your principal). For peace of mind, I would get a log in to your mortgage account and you should be able to see for every payment, exact...
by ILnative
Tue Sep 29, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Washer died. Seeking recommendations for a top loader.
Replies: 65
Views: 6632

Re: Washer died. Seeking recommendations for a top loader.

We had to replace our toploader this Spring and I went with a Maytag Bravos. I did not want a panel of electronic buttons- I wanted mechanical dials, etc. so mine is not "top of the line" with every option available, but I think all those electronic buttons, etc. are just asking for troubl...
by ILnative
Tue Aug 11, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 28
Views: 5021

Re: Accept job offer or no?

Is the offer with a small company that has been around awhile or a start up? Sometimes start ups can provide a lot of learning opportunities - but it would be a lot of work. I have worked with all sizes and stages of companies as CPA and have enjoyed certain aspects of all. I learned the most on a d...
by ILnative
Sat Jun 27, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 3079

Re: Move for a Federal Job - Finances?

I can't comment at all on the Federal job aspect of the posting - but will post about living in Indianapolis. We have lived here for 18 years and love it - but we are born and bred midwesterners. The COL is low, the people are friendly and there are lots of good sports and cultural activities howeve...
by ILnative
Sun May 31, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Tips about Paris apartment rentals?
Replies: 2
Views: 553

Re: Tips about Paris apartment rentals?

Please do some research about the legality of renting apartments in Paris. I'm not sure of all the details, but I believe the local government has been cracking down on short-term sublets in the last year or so. I'd hate to see you get scammed or not have the apartment once you get there because it ...
by ILnative
Wed May 27, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 2861

Re: Tips for extended European Trip

Please check that you will not run afoul of the 90 days every 6 months permitted in the Schengen Zone - count your days carefully.
by ILnative
Tue May 26, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Buying a Leased Car (Was the Maintenance Done?)
Replies: 10
Views: 2124

Re: Buying a Leased Car (Was the Maintenance Done?)

We have purchased 5 or 6 vehicles this way - get something off lease - 3 years old with low mileage (low for us, we put on 20-25 a year on a car) and then drive it until 200-275K miles. Rinse, repeat We actually have never worried too much about whether the maintenance was done - but we have bought ...
by ILnative
Wed May 13, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 2782

Re: Received Comcast equipment at our house which we did not order

Thanks for all the responses. Comcast does not have either of our names - so at this point we are fairly comfortable just keeping the equipment boxed up here at the house and seeing what happens over the next few weeks. At that point I might consider dropping it off at a Comcast location - we'll see...
by ILnative
Wed May 13, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 2782

Received Comcast equipment at our house which we did not order

We received a box of Comcast Infinity equipment at our house yesterday. The address is our correct home address (single family home) but the addressee is an unknown person to both my husband and myself (and is not a close neighbor, etc.) and it is a strange name. We have never had Comcast service at...
by ILnative
Sat Mar 21, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Legal for Doctor to Cover Insurance Co-pay?
Replies: 40
Views: 4228

Re: Legal for Doctor to Cover Insurance Co-pay?

That is interesting - thanks for posting the article. We are far from the age where we are under Medicare - but my guess it is still fraud...
by ILnative
Sat Mar 21, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Legal for Doctor to Cover Insurance Co-pay?
Replies: 40
Views: 4228

Re: Legal for Doctor to Cover Insurance Co-pay?

I'll be interested in the responses as our dentist does this as a matter of course to get us to do things (resins, etc.) that we probably wouldn't do otherwise.
by ILnative
Mon Mar 16, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 28
Views: 4646

Re: Savannah

Noble Fare is our favorite restaurant.

The Juliette Gordon Low house was also a favorite - she was a fascinating person - ahead of her time.

We did a "Midnight in the Garden..." walking tour which was quite good.
by ILnative
Mon Feb 09, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report stock sales that had no loss/gain?
Replies: 3
Views: 446

Re: Do I need to report stock sales that had no loss/gain?

We have this as well. By reporting them, we actually end up with a small loss for each exercise for the transaction fees (around $50). Not sure if you have fees for the transactions, but if you do, the taxable amount reported on your W-2 most likely is not net of these fees (at least my husband's ar...
by ILnative
Sat Oct 18, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice - leaving public accounting
Replies: 8
Views: 2402

Re: Career Advice - leaving public accounting

Another vote for finishing your education (not sure exactly how you got hired without it?), getting your CPA, and making manager before moving on. I spent 15 years in public accounting (8 years big 4 firm, 7 years top 10 firm) and if you gut it out for a few more years and accomplish the above, you ...
by ILnative
Thu Jun 19, 2014 7:18 am
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 5827

Re: How much $$ to change jobs?

The thing that sticks out to me in your comments is the fact that you don't like to be held accountable. If that is the case - do not switch jobs into a job where that is one of the expectations - you will be miserable and it may lead to an unhappy conclusion. It sounds like personality wise your ar...
by ILnative
Sat May 03, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 1518

Re: Best Hospice Care Support Forum

The bath aide was sent to us by Hospice (i.e. we did not have to pay extra and contract separately for this) and we had them 5 times a week (every week day). They gave Dad a sponge bath in his bed, changed the bedding, emptied catheter bag, etc. They would also sit with Dad for up to 2 hours while M...
by ILnative
Sat May 03, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 1518

Re: Best Hospice Care Support Forum

My father was in (and now out) of Hospice earlier this year. I looked for a forum as well and couldn't find one. I did find some disturbing websites that are actually very much against Hospice in my search, which shocked me, but I couldn't find anywhere like here to come with questions, etc. For us,...
by ILnative
Wed Mar 26, 2014 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 1888

Re: Should I take this new job?

Have you visited Chicago before or been there for extended periods of time? It is one of my favorite cities in the whole world - but I am a born and bred Midwesterner who actually likes the winter... Do some serious research - I think both the weather and the culture might be a shock to your system....
by ILnative
Wed Mar 26, 2014 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Can Foreign Medical Expenses be deducted?
Replies: 5
Views: 2361

Re: Can Foreign Medical Expenses be deducted?

Almost all individuals are cash basis taxpayers. If you paid it in 2013, you deduct it in 2013. If you paid it in 2014, you deduct it in 2014. There isn't too much "monkeying around" you can do with moving expenses from one tax year to another...
by ILnative
Sun Mar 23, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: how to best support cancer research?
Replies: 9
Views: 1113

Re: how to best support cancer research?

I did some research on this and now give our charitable dollars to two organizations - Ovarian Cancer Research Foundation and the V Foundation for Cancer Research. We have parents with Ovarian cancer and Lymphoma - thus somewhat of an explanation of where I landed. The OCRF only puts money towards c...
by ILnative
Sun Mar 16, 2014 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement vehicle for 2014 AGI over $160,000
Replies: 9
Views: 1251

Re: Retirement vehicle for 2014 AGI over $160,000

Check with your employer about how often you can change your 401K contribution amounts. I can change my husbands on a weekly basis if I want (online). I'd hate to see you miss using that vehicle and the resultant tax benefits because of a misconception.
by ILnative
Sun Mar 09, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 21579

Re: Costco vs BJs vs Sams Club

I've also never had anyone at Costco bug me - but I am a very focused shopper - I generally don't spend a lot of time wandering around. We don't have BJs near us - but a consideration for us in the Costco vs. Sam's decision was how each employer treats their employees. Personally we like Costco's ph...
by ILnative
Tue Jan 14, 2014 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Question on ACA deductibles
Replies: 8
Views: 906

Re: Question on ACA deductibles

That is how it works for us on our HDHP. I don't pay a thing any time we go to the doctor. If it is preventive care - no charges and no bills. If it is diagnostic care, wait until it goes through insurance (even though they don't pay anything) to get their "discounted", "negotiated&qu...
by ILnative
Thu Dec 12, 2013 2:05 pm
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 2124

Re: Removing wisdom tooth - what do I need to know?

I got dry socket after my surgery and it was the worst pain I have ever felt in my life. Might ask how to minimize the chances for this happening.
by ILnative
Fri Nov 08, 2013 7:58 am
Forum: Personal Finance (Not Investing)
Topic: How do I record cash charitable donations?
Replies: 20
Views: 1419

Re: How do I record cash charitable donations?

As another poster noted - if you are giving money to a FOREIGN charity - you generally cannot deduct that on your US taxes. They must be approved as a valid 501(c)(3) (or whatever it is for churches) organization - which most foreign charities are not...
by ILnative
Tue Nov 05, 2013 5:10 pm
Forum: Personal Consumer Issues
Topic: Confusion about Sales Tax Nexus
Replies: 14
Views: 1060

Re: Confusion about Sales Tax Nexus

Nexus rules vary widely from state to state and you probably aren't going to know all the relevant facts about the company you are dealing with to even determine if what they are saying is true. Things such as having sales people that live in the state in question are sometimes enough to trigger nex...
by ILnative
Tue Nov 05, 2013 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: 15 month CD offer from GE Capital Retail Bank in NYT ad
Replies: 12
Views: 2494

Re: 15 month CD offer from GE Capital Retail Bank in NYT ad

The promo code in Sundays paper was NYTS11. Thanks for everyone's responses.