Search found 106 matches

by tmhudg
Mon Apr 08, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9361

Re: Quicken 2019 and forward

Anyone having any difficulties downloading banking info from Bank of America in Quicken 2019? I upgraded recently from 2016 and now I can't reliably get my accounts updated. I've contacted Support a couple of times now (Support has been pretty responsive and I'm actually quite pleased with the abili...
by tmhudg
Sat Nov 10, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 110
Views: 18560

Re: Don't pay full price for SiriusXM radio

My one year at about $6/month X 2 vehicles rate ended this month so I called to "cancel". After haggling for a bit, I finally got basically the same rate but for 6 months. I probably should have tried to get it for a year but I just took it when they got to my current monthly rate. Yeah, kind of irr...
by tmhudg
Sat Nov 03, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Video Editing Software
Replies: 14
Views: 1097

Re: Video Editing Software

Don't know if this will help you or not but you might take a look at Pacifist. This is shareware for Mac that is able to look into various Mac packages and extract the applications inside. Basically, if you have your original install disks, Pacifist can pull out the iMovie application from the bundl...
by tmhudg
Thu Nov 01, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Advice on RV rentals
Replies: 7
Views: 1104

Re: Advice on RV rentals

Can't really help much but I'll say that you are going to pay a lot to rent and the units you will get will be bare bones. We started out with a Class C and now have a trailer. There is an adage "You have to tow *something*". When we had the class C (with nothing in tow), we would set up camp and th...
by tmhudg
Mon Sep 17, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1354

Re: How to start a website?

Do you know of any reasons to switch from NameCheap to Hover? No, not really. As long as you are getting the privacy and decent rates, I see no reason to switch. Do you recommend any hosting providers that support DIY Wordpress installations? Depends on whaat you mean by DIY Wordpress hosting. I wo...
by tmhudg
Mon Sep 17, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1354

Re: How to start a website?

Yes you *can* get your domain name registration at the same place you host your site - like GoDaddy or wherever - but I always recommend my clients *not* do that. When you mix the two, it can be hard to untangle them when, for example, you want to change hosting providers. Newbies in particular shou...
by tmhudg
Mon Jul 02, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1813

Re: Considerations in selecting a hearing aid

I am not sure I am missing $5k worth of conversations, but if I am going to have to pay the price eventually, why not take the plunge now? It would probably be worth the price just not to have to listen to DW complain about what I didn't hear. That is becoming a too frequent topic of our conversati...
by tmhudg
Sat Jun 30, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 26
Views: 1896

Re: Water leak when it rains - older Camry

Another thought: Do you have a sunroof? They've engineered sunroofs such that when they leak, the water drains out through tubes to the underside of the car rather than into the car. Sometimes those drain tubes get clogged, and the water ends up in unexpected places. Willing to bet thats your probl...
by tmhudg
Sat Jun 30, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1813

Re: Considerations in selecting a hearing aid

Late to this thread but anyway... I got my aids about a year ago and they have been a tremendous help in understanding the dialog in TV and movies especially, as well as conversations that are not directed specifically at me (like people talking in the back seat of the car for example). It's not per...
by tmhudg
Mon Jun 11, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 906

Re: Anyone use Bluehost for web hosting?

I'll make a plug for webhostinghub.com. Very inexpensive and I've been impressed by their support. I've deployed a lot of Wordpress sites and, while very simple to set up, the ongoing maintenance can be a bit time consuming. Being the popular platform that it is, it has a giant target on it for hack...
by tmhudg
Sat May 19, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1455

Re: Quadcopter Drone anybody? - for beginner

Take a look at the Syma X5 (there are lots of variants but they are all very similar). I got this as my starter drone and enjoyed it. These cheap starter drones are *much* harder to fly than the DJI pro drones - but that's a good thing. I think it's important to understand and get a feel for all the...
by tmhudg
Wed May 16, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 4465

Re: I will be laid off but can not get unemployment benefits?

As other have said, it depends on the state but I was laid off and got a lump sum payment. I was able to collect unemployment right away but I had to show them the agreement that I signed at termination which basically stated that I wouldn't sue the company for wrongful termination. I think the stat...
by tmhudg
Tue Mar 27, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 3745

Re: Reporting backdoor Roth IRA with H&R Block

I haven't read all the replies but here is a link to a page that explains the process pretty good and that I've used in the past.

https://thefinancebuff.com/how-to-backd ... tware.html

Hope this helps
by tmhudg
Sat Mar 17, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Requires Drivers License for EFile
Replies: 24
Views: 3511

Re: Turbotax Requires Drivers License for EFile

This was my experience just now when I filed - it asked but did not require the info and I was able to e-file without giving it. I *do* see why it can be confusing and make people think it's required. Normally, they have a checkbox or some other way to indicate that you do *not* want to supply the r...
by tmhudg
Fri Mar 16, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 6
Views: 845

Re: Help with issues on 401k rollover in H&R Block

Just got off the phone with them. They basically said "We are not going to fix this". They said it was escalated to Level 3 and there were no further updates in the ticket. I asked for and got a refund. I didn't ask for any special favors. I'm done. Now I'm off to find the best deal on TT. Fidelity ...
by tmhudg
Fri Mar 16, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 6
Views: 845

Re: Help with issues on 401k rollover in H&R Block

Maybe not many people are in this situation but I figured I'd update this thread anyway. The latest update on 3/16 did not fix the problem. Support sent me an email yesterday asking me to call in to supply additional information. I called, sat on hold for 30 minutes, and finally got a rep who asked ...
by tmhudg
Fri Mar 09, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9771

Re: Thinking of getting an Apple Watch

I did get the watch, and ended up going for a more stylish look with the stainless steel watch and Milanese loop band. Looks great and am loving exploring all the features. You got the watch!?! How on earth do you cope with all the complexity you've just added to your life? I would be reduced to a ...
by tmhudg
Sat Mar 03, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9771

Re: Thinking of getting an Apple Watch

RRAAYY3 wrote:
Sat Mar 03, 2018 11:04 am
A home phone and physical paper day planner would be “less complicated” in what way exactly? I’d love to hear ones argument for that
Well, I guess we'll have to start with defining "complicated" but I think we are getting into Mac vs. PC and Paper vs. Plastic now so I'll pass.
by tmhudg
Sat Mar 03, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9771

Re: Thinking of getting an Apple Watch

Consider not wearing a watch at all. Phone shows time, computer shows time. Make life less complicated. Of course, watches are primarily jewelry in this day and age, and has been stated already in this thread, the Apple Watch does nothing that the Iphone doesn't already do with hands-free control. ...
by tmhudg
Fri Mar 02, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9771

Re: Thinking of getting an Apple Watch

My wife and I bought ourselves Series 3 watches as Christmas gifts - and we love them. I held out for a long time. I love techie things but I really wasn't sure if I could justify the expense for what was basically a duplicate of what was on my phone. What tipped us over the edge was that we were st...
by tmhudg
Fri Mar 02, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 6
Views: 845

Re: Help with issues on 401k rollover in H&R Block

Well, the latest update (3/2) did not fix the problem for me. Not sure what to do now... [Update] I called in and opened (another?) case - this time with Level 2 support. I sent them a test file which was a blank return with only a dummy 1099-R entry that shows the problem. The person on the phone w...
by tmhudg
Tue Feb 27, 2018 6:48 pm
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Re: Thoughts on an ESPP with 2 year contribution period?

I am currently sitting on a ~30% loss after discount on ESPP shares that required a 1 year vest. 2 years is a long time. Dont forget that you have to pay the taxes up front on the theoretical gain that you won't be able to realize for 2 years. In the end the taxes are a wash but I'm quite sure that...
by tmhudg
Tue Feb 27, 2018 6:21 pm
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Re: Thoughts on an ESPP with 2 year contribution period?

Certainly lots of good information here and it's helping me to feel better about participating in the plan. As a new employee, I can't start yet but I'm thinking I will once I'm eligible.

Thanks for the great discussion.
by tmhudg
Fri Feb 23, 2018 3:43 pm
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Re: Thoughts on an ESPP with 2 year contribution period?

I would probably do it. Is it in the SP500? Russell 2000? Or any other index? How long has the company been public and what is the market cap and P/E ratio? The market cap is 12.4 B and PE is 43.11. Not sure what index it might be in. Are these questions to determine the likelihood of the company g...
by tmhudg
Fri Feb 23, 2018 11:39 am
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Re: Thoughts on an ESPP with 2 year contribution period?

I also would suggest you explore the plan docs to see if you can cancel/withdraw funds (pre-purchase) at any time. That's how mine works, and would provide you with a bit more security/liquidity. Yep, I can cancel and withdraw my funds at any time prior to purchase. No interest on the accumulating ...
by tmhudg
Fri Feb 23, 2018 11:37 am
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Re: Thoughts on an ESPP with 2 year contribution period?

I think it's "probably" worthwhile, assuming no liquidity issues on your end for having the funds tied up that long. If course, there's opportunity cost while it's tied up if the money is just sitting in an ESPP holding account, which as I understand it, is generally how it works. So, consider that...
by tmhudg
Fri Feb 23, 2018 10:25 am
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1895

Thoughts on an ESPP with 2 year contribution period?

Hi, My new company has an ESPP with most of the standard parameters (85% of the lower price, etc.) but with a surprising (to me) two year contribution period. My previous company had a 6 month period and I participated in that eagerly - and sold right away - so I get the core advantages of the ESPP....
by tmhudg
Fri Feb 09, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 28
Views: 3015

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

Follow-up from OP here: Well, I got a new job and when they finally got around to enabling enrollment for me I found out that the costs were *significantly* more than what I pre-paid from my old employer. So, I declined coverage. I suspect I will renew for the final year with my old company's plan a...
by tmhudg
Fri Feb 09, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 6
Views: 845

Re: Help with issues on 401k rollover in H&R Block

Just wanted to update this incase anyone else runs into this issue. H&R Block has confirmed it as a bug that will be fixed in either the Feb 16 update or the Feb 28 update. Basically, the program calculates tax on the rollover amount on your 1099 instead of the Box 2a taxable portion of the rollover...
by tmhudg
Thu Feb 01, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 6
Views: 845

Help with issues on 401k rollover in H&R Block

Hi All, I've tried searching for this info but I can't find anything helpful... In 2017 I rolled my Fidelity 401k into an IRA(s). Honestly, I'm not totally clear on the details but I guess I had both pretax and after tax contributions to the 401k. When they did the rollover, they rolled the pretax m...
by tmhudg
Tue Jan 23, 2018 7:42 pm
Forum: Personal Investments
Topic: New Company and 401k options - thoughts?
Replies: 4
Views: 421

Re: New Company and 401k options - thoughts?

I don't think it's unusual for your company - especially if it's a very large - to offer funds without public ticker names. Okay. Makes sense. Is there something about the Core Bond Fund (ER 0.22%) that justifies paying a higher ER than Core Bond Index (ER 0.049%)? Good point. There was some reason...
by tmhudg
Tue Jan 23, 2018 6:32 pm
Forum: Personal Investments
Topic: New Company and 401k options - thoughts?
Replies: 4
Views: 421

New Company and 401k options - thoughts?

I've just gotten a new job and and am signing up for the 401k. I don't have a ton of options to choose from - target date funds and just a few equity and bond funds. I was hoping to get some thoughts on my options. I'm not sure if details about my other accounts are required for this. I have a rollo...
by tmhudg
Mon Jan 15, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 22
Views: 2604

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

Here's another vote for building a Hackintosh. Several years ago I had the same/similar dilemma - I didn't like any of the then-current Mac offerings but I needed to replace my aging iMac. I found the thriving Hackintosh community and built my own Mac. The legalities are somewhat fuzzy - okay probab...
by tmhudg
Fri Jan 12, 2018 8:35 am
Forum: Personal Investments
Topic: 26, have a job, now what?! Seeking advice!
Replies: 43
Views: 2603

Re: 26, have a job, now what?! Seeking advice!

Thank you so much for your thoughtful remarks, PFInterest! I appreciate your help :) My responses are below: - first off. you need to save a DP and have a sep EF. also you need money saved for furniture, etc. - in 2 years.....everything needs to be in savings CDs. get that money out of stocks soon....
by tmhudg
Wed Dec 27, 2017 9:08 am
Forum: Personal Investments
Topic: Cash on hand
Replies: 21
Views: 1593

Re: Cash on hand

I have virtually no money in the house. Seems odd to me in this day and age to keep that kind of actual cash around.

If you are concerned about kids having access to some emergency funds, could you set up a joint account with them?
by tmhudg
Mon Dec 18, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a Job Change
Replies: 17
Views: 1398

Re: Considering a Job Change

Hard to put a price/value on looking forward to going to work in the morning and enjoying it when you get there. Is it $120K/yr, in an environment where if it doesn't work out you can easily find something else? Seems like a no brainer to me. If you *don't* do the move, what happens in 3 years when ...
by tmhudg
Mon Dec 18, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Retirement planner limiting my TIRA contribution - why?
Replies: 7
Views: 928

Re: Fidelity Retirement planner limiting my TIRA contribution - why?

It's still a good idea to contribute even if I can't deduct right? Not necessarily. Take a look a the second table on this page: https://www.bogleheads.org/wiki/Non-deductible_traditional_IRA. It shows that investing in taxable is better than non-deductible TIRA for the specific parameters in the e...
by tmhudg
Mon Dec 18, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Retirement planner limiting my TIRA contribution - why?
Replies: 7
Views: 928

Re: Fidelity Retirement planner limiting my TIRA contribution - why?

Thanks all. I see what it is doing - it's limiting me to $6,500 total for all IRAs (my example numbers above weren't quite precise). I guess it doesn't realize that my wife's IRA account is actually not mine. Just to be clear though, I can contribute $6500 to both of our IRAs right? I have earned in...
by tmhudg
Sun Dec 17, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Retirement planner limiting my TIRA contribution - why?
Replies: 7
Views: 928

Fidelity Retirement planner limiting my TIRA contribution - why?

I'm confused about the Fidelity Retirement planning tool - that thing that gives you a meter indicating what kind of shape you are in for retirement. One of the panels is where you indicate your savings rate in various accounts. My income prevents contributions to my Roth IRA (I've done backdoors in...
by tmhudg
Sat Dec 16, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Are you prepaying real-estate taxes this year?
Replies: 16
Views: 2656

Re: Are you prepaying real-estate taxes this year?

I just did for the first time. I got a large severance this year and was looking for ways to reduce the taxes I have to pay on it. I have no idea if I'm going to run into AMT or not. I figure I'll cross that bridge when I get to it.
by tmhudg
Sun Dec 10, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Pay Property Taxes in 2017?
Replies: 25
Views: 3700

Re: Pre-Pay Property Taxes in 2017?

Regardless of my rate in any one year, if the actual dollar value of taxes I owe exceeds the property tax deduction I will take, what does the rate matter? (Maybe that's the key? I don't envision a case where my rate is low enough such that my overall tax bill is less than my property tax deduction...
by tmhudg
Sun Dec 10, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Pre-Pay Property Taxes in 2017?
Replies: 25
Views: 3700

Re: Pre-Pay Property Taxes in 2017?

Yes, two things potentially. First is you may not itemize in 2018 - so the pull forward to 2018 gets you a deduction you would otherwise lose if paid in 2018. Good point. The bulk of my deduction is from SALT. Second, even if are able to itemize in 2018, if your marginal tax rate is higher in 2017 ...
by tmhudg
Sun Dec 10, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Pre-Pay Property Taxes in 2017?
Replies: 25
Views: 3700

Re: Pre-Pay Property Taxes in 2017?

I was considering posting a similar question as the OP. I too have had an income boost this year - from a lump sum severance package. Not quite at the level of the OP but large nonetheless. I curious as to how much this really helps though. I know the answer is to "model it yourself" but to me, it j...
by tmhudg
Tue Nov 21, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 4263

Re: Contemplating offer on a house with SolarCity lease

That moment when you wonder if you've made a terrible mistake... I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I...
by tmhudg
Mon Nov 20, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 4263

Re: Contemplating offer on a house with SolarCity lease

That moment when you wonder if you've made a terrible mistake... I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I ...
by tmhudg
Wed Nov 15, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 2159

Re: Looking for a Catamaran

I don't think this has been mentioned yet - I'd suggest chartering a catamaran to see how you like it before buying one. The British Virgin Islands is a mega charter area. Alas, they took quite a hit from the hurricanes this year but they are bouncing back relatively quickly and look like they will ...
by tmhudg
Thu Nov 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 75
Views: 9148

Re: What backup service to use?

I use Mozy. I started using it primarily because it was subsidized by my employer. I haven't really compared other options. I don't think iCloud is a good backup option. iCloud is really more about cloud storage - a folder structure that is replicated to the cloud. Backup is about version history, c...
by tmhudg
Tue Nov 07, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2897

Re: My Dad's slides

Pay a kid $100 to do the scanning?
by tmhudg
Fri Nov 03, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1874

Re: Cellphone Battery

A lot of times I have found that if the battery suddenly went dead and refused to charge, the problem was the charging port, not the battery. This. It might not apply to you since this phone probably doesn't spend much time in a pocket but check the charging port on the phone for lint. Both my son ...
by tmhudg
Thu Nov 02, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Job search techniques and etiquette
Replies: 5
Views: 690

Re: Job search techniques and etiquette

I'm going through this now. I've been mostly applying for jobs through LinkedIn and Glassdoor. The positions are either directly with the company or to a recruiter but I don't really care one way or another. The recruiter is not working for you, they are working for the hiring company so I don't rea...