Search found 96 matches

by imyeti2
Mon Sep 02, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1655

Re: New car delivery - what to check?

Thank you all. This is very helpful.

Yeti.
by imyeti2
Mon Sep 02, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1655

Re: New car delivery - what to check?

bob60014 wrote:
Mon Sep 02, 2019 9:03 am
imyeti2 wrote:
Mon Sep 02, 2019 8:49 am


How do we know what are the standard items that come with the car?
Go to the manufacturer's website, a complete list of standard items are listed. What make/model/trim level is this?
2019 Audi Q5 Premium Plus
by imyeti2
Mon Sep 02, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1655

New car delivery - what to check?

Hello, We're taking delivery of a car shortly. What do we need to check for at the time of delivery? Is there a list that we need to ask the salesperson? For example, if we have requested all weather mats, do they provide the standard mats also? There is a roof rack (we think) that comes with the ca...
by imyeti2
Sun Jun 30, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4526

Re: New Landlord Here! Your Top Tips to include in a Lease?

We used to have a rental condo. One incentive I had - if I have the rent deposited into my bank account before the 1st day of each month, the tenant could take $25 off the rent. Never missed a timely rent ! Some months I had the rent in my bank account a whole week before the due date ...
by imyeti2
Sun Jun 30, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Best city/state to raise an autistic child?
Replies: 20
Views: 3063

Re: Best city/state to raise an autistic child?

I live in California in the SF Bay Area (but not in SF). I have an adult daughter with autism (fairly high functioning). The Regional Center System in California has been very helpful to us and to our daughter. My daughter is now on Medi-Cal which is not great, but I don’t know if Medicaid would be...
by imyeti2
Thu Jun 20, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 8
Views: 827

Re: Dependent Care FSA Question

Thank you all.

Yes, spouse was working prior to changing to a new job. However, we miscalculated when we did the open enrollment. I thought we can fix it now.

Let us call the insurance company to check.
by imyeti2
Thu Jun 20, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: How to phrase job-change for family reasons?
Replies: 13
Views: 1662

Re: Career advice: How to phrase job-change for family reasons?

It may actually be a plus to say that you moved to city b and decided that city a was really where your heart was for raising your child. This will tell a hiring manager that you're not likely to suddenly move again, meaning you'd be a stable reliable resource for the company. -B This. I always wan...
by imyeti2
Mon Jun 17, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 8
Views: 827

Dependent Care FSA Question

Hello, Here is the situation: We have had our child in after school program so far this year and our kids will be attending summer camps. I kept only $1.5 K aside for 2019 during open enrollment last fall. Spouse now is planning on taking up a new job this fall. If we keep aside the $3.5 k from her ...
by imyeti2
Wed Jun 12, 2019 1:36 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth - How to setup?
Replies: 17
Views: 1465

Re: Mega Backdoor Roth - How to setup?

Who is your 401k administrator? You need to contact them. Check all your plan documents. You need an in-service distribution to be able to do that.

How big is your company? HR people rarely understand these nuances. You need to talk to someone in your finance organization.
by imyeti2
Mon Jun 03, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 1159

Where do I buy term life insurance? What are the best companies?

Hello, I'm shopping for term life insurance for DW and me. What companies are the best in terms of underwriting, service, financial stability etc. ? Should I shop directly with the companies or work with an agent ? As a reference, we currently have Amica for home and auto. Thank you for your input.
by imyeti2
Sat May 25, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2516

Re: Am I a sucker to pay for a new roof?

How much does it cost for a new roof? As has been pointed out, was there a lot of wind to damage the roof? Falsely claiming damage when there is none is insurance fraud ! Also, you may have your rates go up because of the claim - if you are in a particularly windy area, insurance company may increas...
by imyeti2
Sat May 25, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: is A in accelerated better than B in honors for undergrad application.
Replies: 22
Views: 1837

Re: is A in a/e better than B in honors for undergrad application.

If you post using a clear subject, you may get better responses. a/e was somewhat cryptic for me.
by imyeti2
Thu May 23, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3780

Re: Expensive front load washer/dryer worth it?

We had a front load washer in the laundry room on the 2nd floor. The whole house shook on the spin cycle. It can damage the floor structure over the long run.
If you want a front load washer, please put it in basement on sturdy concrete flooring.
by imyeti2
Thu May 23, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: PA 529 thoughts
Replies: 13
Views: 1023

Re: PA 529 thoughts

The limits on state tax breaks are very high in PA. $14 K per person per beneficiary.
However, the tax rate is flat at 3.07% - assuming you put all $50 K in 529, max tax savings would be ~1.5 K.
by imyeti2
Wed May 08, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529 strategy with no alternate beneficiaries
Replies: 21
Views: 1348

Re: 529 strategy with no alternate beneficiaries

Do you / your spouse have access to a Mega backdoor Roth? I'd think about funding that over 529. If your young one does not go to college, you may be able to use it for your retirement. I recently learned about my MegaCorp allowing us to do a Mega backdoor Roth. I'll suspend my 529 contribution bey...
by imyeti2
Wed May 08, 2019 5:28 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 1027

Re: Mega-Backdoor Roth (MBR) vs 529 for college

The problem is, when money is in Roth, you don't want it to be out. if you can't fund 529, just let children borrow and you could help them to repay the loan. For me, I always separate 529 and retirement funding. I did 529 when kids were born and stop fund when the number reach 4 year public school...
by imyeti2
Wed May 08, 2019 1:15 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 1027

Re: Mega-Backdoor Roth (MBR) vs 529 for college

+1 I plan to max out thru MBR. However, in MA, we have a $2 K tax benefit. Also have the prepaid plan for schools in MA. I plan to fund that prepaid plan that will take care of the tax benefit and use it as a "cash" position in my overall asset allocation. I've come to think 529s are overrated vs th...
by imyeti2
Wed May 08, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: 529 strategy with no alternate beneficiaries
Replies: 21
Views: 1348

Re: 529 strategy with no alternate beneficiaries

Do you / your spouse have access to a Mega backdoor Roth? I'd think about funding that over 529. If your young one does not go to college, you may be able to use it for your retirement. I recently learned about my MegaCorp allowing us to do a Mega backdoor Roth. I'll suspend my 529 contribution beyo...
by imyeti2
Sun Mar 24, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Spending summers at vacation home in New Hampshire - tax question
Replies: 5
Views: 868

Spending summers at vacation home in New Hampshire - tax question

Hello, I'm trying to understand income tax implications of owning a vacation home in NH that has no state income tax. We live in MA and would like to buy a vacation home in NH - weekends in winter and the whole summer. DW works from home. I could do that as well. Say from June end to Aug end, the wh...
by imyeti2
Sat Mar 23, 2019 7:01 pm
Forum: Personal Investments
Topic: High Tax bracket strategies
Replies: 49
Views: 5533

Re: High Tax bracket strategies

newinvestor54 wrote:
Sat Mar 23, 2019 11:33 am


Deferred comp might be an option for some, but the plan offered at my work doesn't have good payout terms at termination.

Can you elaborate on what this means "good payout terms at termination" ? DW has this option. Have never used this before - would like to understand more. Thanks.
by imyeti2
Wed Mar 20, 2019 3:27 pm
Forum: Non-US Investing
Topic: Non-resident Indian deposits
Replies: 17
Views: 1714

Re: Non-resident Indian deposits

crystalbank wrote:
Wed Mar 20, 2019 3:20 pm
I wouldn't bother dealing with all the paperwork required just for a 1% extra return. All my dealings with Indian Banks are very frustrating and I would always avoid it at all costs. BTW I'm of Indian Origin too.
This !!!
by imyeti2
Sun Mar 17, 2019 9:24 pm
Forum: Personal Investments
Topic: Spouse recharacterized IRA instead of converting
Replies: 3
Views: 338

Re: Spouse recharacterized IRA instead of converting

What do you mean by recharacterized?

If you contributed to tIRA and converted to Roth, you're fine. While doing your taxes, don't take a deduction for tIRA.
by imyeti2
Sun Mar 17, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 8652

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Do you need an all wheel drive like the Subaru where you live? Is there a reason you'd want to keep your Subaru rather than trading up for a minivan? Do you/family plan on taking road trips once the kids get older? How tall are you/your family? We traded up to a Honda Odyssey and absolutely love the...
by imyeti2
Sat Mar 16, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: New HVAC systems before selling home
Replies: 29
Views: 2371

Re: New HVAC systems before selling home

I'd get the quotes and keep them handy. This is definitely not an ideal situation for you. The potential buyers would ask for a discount - you have the quotes handy. If I were the buyer, I'd ask for a discount and install a system that fits my needs. I'd also try to haggle aggressively for a deep di...
by imyeti2
Sun Feb 24, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 60
Views: 5179

Re: Dental Insurance

I've been told that it is not a Dental Insurance rather a Dental benefit provided by your employer. If you need to get dental work done in the future, I'd check out dental schools near where you live. Dental students guided by professors provide quality services at fraction of the cost. The only dow...
by imyeti2
Thu Feb 21, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 24 Hours to Decide?
Replies: 100
Views: 7629

Re: Job Offer - 24 Hours to Decide?

I had a candidate accept my offer and renege a week before joining. Such is life.

If you accept now and do not join later, what harm can it cause? It is definitely unethical ...
by imyeti2
Thu Feb 14, 2019 11:16 am
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 145
Views: 19380

Re: Theory: NOW is the Best Time for Total World Stock

From 1980s to now, lot of US companies have become global. Also reverse is true. By owning stock in large US companies, you are already being exposed to global markets.
by imyeti2
Mon Feb 11, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12206

Re: Need Help - DW Laid Off and Company wants her back now

So an update to this. They came back with an offer of ~6 weeks of pay to have her join back, however with a 1 year commitment to stay. Constant calls from all levels of leadership to the point that she is physically tired of speaking to everyone. Nothing can be done about the RSUs because of company...
by imyeti2
Fri Feb 08, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12206

Re: Need Help - DW Laid Off and Company wants her back now

DW has received many phone calls since yesterday. From the COO (the business unit leader who made the decision reports to the COO) to someone else reporting to the CEO (lets call him X). Both of them are pleading her to say. They promise her that changes will take place and they are going to replac...
by imyeti2
Fri Feb 08, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12206

Re: Need Help - DW Laid Off and Company wants her back now

I know exactly what happened and have all the facts and know exactly how much her company will offer her to come back. I sent the OP all the relevant information in a certified letter. OP started a thread 6 months ago about taking possession/or not of a certified letter. It went four pages and he n...
by imyeti2
Thu Feb 07, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12206

Re: Need Help - DW Laid Off and Company wants her back now

Thank you all for your comments and suggestions. She works in healthcare consulting. There is lot of infrastructure costs - so difficult to fly solo. She works from home - the company has this business model. Everyone works from home. So the call was from her manager's manager and HR together. This ...
by imyeti2
Wed Feb 06, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12206

Need Help - DW Laid Off and Company wants her back now

Hello, We have an interesting situation here. DW had a senior position in consulting company and is not billable. However, because of her very strong expertise, she is a valuable employee and has the ability to bring in business and influence clients. DW was called this morning and notified that she...
by imyeti2
Tue Feb 05, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Need great hand held vacuum for stairs
Replies: 20
Views: 1240

Re: Need great hand held vacuum for stairs

why not try Dyson?
by imyeti2
Sun Feb 03, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Rollover from 529 to Prepaid Tuition Plan
Replies: 1
Views: 158

Rollover from 529 to Prepaid Tuition Plan

Hello, We live in MA and have the Mefa prepaid tuition plan that we can enroll in. For a long period, we have been investing in NY 529 and have accumulated a fair amount of money. We're wondering whether we can move some of the 529 funds from NY 529 to the MA U.Plan Prepaid Tuition Program. The issu...
by imyeti2
Mon Jan 21, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: First time renting a house from landlord: What to check?
Replies: 11
Views: 1129

Re: First time renting a house from landlord: What to check?

Ask you question on Bigger Pockets forum. You'll may get good responses there also.

https://www.biggerpockets.com/
by imyeti2
Tue Dec 11, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: 401k Match for Highly compensated employee
Replies: 4
Views: 549

401k Match for Highly compensated employee

Hello, DW is a highly compensated employee making ~225 K / year. Her 401k match from employer is 50% on 9% of contribution. If she contributes 9% to maximize the match, she maxes out on IRS limit of $19 K in 2019. She does have a Roth 401k option - but the IRS limit combines pre-tax and Roth contrib...
by imyeti2
Sat Dec 08, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: HSA transfer from one custodian to another
Replies: 5
Views: 917

HSA transfer from one custodian to another

Hello, Had a question about HSA transfer. We have HSA at three custodians (Optum, Fidelity, HSA Bank). Optum and Fidelity are from previous employers, HSA Bank is the current employer. (1) Can we move our funds from Optum to Fidelity - although Fidelity is not our current custodian. (2) Can we move ...
by imyeti2
Sat Sep 15, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Smart thermostat issue - do I redo the wiring or add a transformer?
Replies: 14
Views: 1245

Re: Smart thermostat issue - do I redo the wiring or add a transformer?

Thank you for the responses and for sharing your stories. We have 5 heat zones and 1 cool zone. One of the heat zone is a combination with the AC. Three zones are controlled on the 1st floor, the other two on 2nd floor along with the AC. During winter, before going to bed, I've to manually check all...
by imyeti2
Fri Sep 14, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Smart thermostat issue - do I redo the wiring or add a transformer?
Replies: 14
Views: 1245

Smart thermostat issue - do I redo the wiring or add a transformer?

Hello, We have an old honeywell round thermostat for heating only. It has the standard 2 wire thermostat wire. From all I've seen, for us to upgrade to a smart thermostat, I need the dreaded C wire. I asked several electricians about options. I have always thought that I need to change to new wiring...
by imyeti2
Tue Sep 04, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Nest vs Arlo (or other) security camera & system
Replies: 16
Views: 1673

Nest vs Arlo (or other) security camera & system

Hello, I've been contemplating adding a few security cameras around our house. House being on a corner lot, lot of traffic (both car and people) near our house. Was wondering whether to go with Nest or something else. Thinking about the Nest thermostat and the smoke/CO alarms etc. Is there any merit...
by imyeti2
Tue Aug 28, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2480

Re: Installing a new toilet - shut off valve and wax ring

Thanks for all the responses. I was just getting second opinion. I'd rather the plumber install the best parts rather than what is easily available.
by imyeti2
Tue Aug 28, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2480

Installing a new toilet - shut off valve and wax ring

Hello, We're in the process of replacing our older toilets and would like to get some guidance. (1) Since we're changing everything, is it worthwhile to change the shut off valve also. They are the old rotating types. Was interested in getting the new quarter turn valves. Nothing wrong with the olde...
by imyeti2
Thu Jul 12, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 2241

Re: Deciding how much to spend on home remodeling

I'd visit other homes in the neighborhood during opens houses and get a feel for price and condition of homes in your area. Meet with a real estate agent to find out what your home will sell for after doing all the changes you plan on doing. I always look for what the market is willing to bear in my...
by imyeti2
Wed Jun 13, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 18876

Re: Should I take possession of a certified mail?

Thank you for all the great responses.

Yet to pick up the letter. Will do that in the next couple of days when I get some time to visit the post office. Will report back. Thank you.

Yeti.
by imyeti2
Tue Jun 12, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 18876

Re: Should I take possession of a certified mail?

We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. He texted me a couple of weeks ago to see whether there was any more work, and kept asking us whether the work was large enough ($2K-5K). I could not commit until I s...
by imyeti2
Tue Jun 12, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 18876

Should I take possession of a certified mail?

Hello, We are in a situation for which we need advise/opinions. We had obtained services of a handyman for some work around the house last month. We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. A few initial project...
by imyeti2
Sun Mar 25, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1162

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

My kids are 10 and 7.

We started with Wachusett just to try out and started with daily lift ticket and rentals etc. However, it soon got very expensive. Both of them are still learning - hence the need for a regular seasonal lessons etc. and maybe stick to one mountain until they get better.
by imyeti2
Sun Mar 25, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1162

Next season's ski pass - buy now or wait? (Ski Resorts in New England)

Hello, My two young kids started to learn skiing this past winter. Because of the several noreasters we've had here in the Boston area, they have been able to enjoy skiing well into late March now. They would like to continue to do so next winter and would like to join regular skill development clas...
by imyeti2
Wed Mar 07, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 6004

Re: Colorado Summer Vacation - what to see and where to stay

Thanks for all the great responses. We've decided to stay a few days in Estes Park and mostly in Keystone/Breck area. Cover RMNP with Estes Park as the base; Summit County, Glenwood Springs and Colorado Springs area keeping the Keystone/Breck area as the base. Maybe spend some time in Denver either ...
by imyeti2
Tue Mar 06, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 6004

Re: Colorado Summer Vacation - what to see and where to stay

Thank you for all the great suggestions. Yes, when I mapped out the different locations, we could end up driving a lot. As someone suggested, there is a lot one can do in Colorado - perhaps we can always come back and visit a different area of the state. I'm thinking we'll stay only at a couple of p...