Search found 103 matches

by Lynn1987
Tue Oct 03, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1881

Re: Do I replace AC evaporative coil or get a new unit?

Just had the coil replaced in one of my units about a week ago. It was just under $1700, so I agree that $3k sounds high.
by Lynn1987
Mon Jul 03, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Donate shares or cash to charity?
Replies: 19
Views: 1291

Re: Donate shares or cash to charity?

Thank you for the responses! I wasn't aware familiar with the DAF option, so will look into that. I'll also try placing the scenario into tax software and study the IRS info more thoroughly, in order to make a decision.
by Lynn1987
Sun Jul 02, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Donate shares or cash to charity?
Replies: 19
Views: 1291

Donate shares or cash to charity?

I have some stock shares which I'd like to donate to a charity. I could donate the shares themselves, but would have to jump through some hoops to make that happen and don't see any advantage to donating them over just selling them and donating the money. Here's my rationale: Line 43 on 1040 for 201...
by Lynn1987
Thu Mar 16, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Optum Bank HSA using Admiral shares on Vanguard funds
Replies: 29
Views: 9391

Re: Optum Bank HSA using Admiral shares on Vanguard funds

Do the fund options change depending on your employer? Interesting thought. My account was moved from Wells Fargo to Optum at the beginning of the year. I had researched them prior and was excited to see that they are offering Vanguard funds. Looking at the list again now I only see a quite questio...
by Lynn1987
Fri Dec 30, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing HSA custodian
Replies: 4
Views: 865

Re: Choosing HSA custodian

Thank you all so much for the responses - looking into the comparison site and other options that had not been on my radar previously.
by Lynn1987
Tue Dec 27, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing HSA custodian
Replies: 4
Views: 865

Choosing HSA custodian

Would appreciate any insight anyone can offer on a HSA custodian decision. I could use some help in sorting out the best route to go considering expense ratios, fees, minimum required for investing, possible hassle factor, etc. Currently have about $27k in my employer's custodian -Health Equity. My ...
by Lynn1987
Sat Nov 05, 2016 1:03 am
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 2304

Re: Visiting San Francisco

Visited SF for first time last fall and didn't realize I had booked during their largest convention of the year. Hotel rates that are high anyway were sky-high and limited availability. Did a lot of research to find somewhere reasonably priced. Ended up staying at Cow Hollow Inn (so named because th...
by Lynn1987
Sun Jul 31, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: When NOT to use 529 for college expenses?
Replies: 10
Views: 1670

Re: When NOT to use 529 for college expenses?

I have no clue how much to allot for books....does $500 sound reasonable??? Check out Amazon for textbook rental. Our 2 kids found that rental was more economical than purchase, new or used. There is little benefit to ownership. The days are long past where a purchased text book could be used as a ...
by Lynn1987
Sun Jul 31, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: When NOT to use 529 for college expenses?
Replies: 10
Views: 1670

Re: When NOT to use 529 for college expenses?

Thank you all for the great info! All of this trying to maximize tax benefits has my head spinning and there's so much good info you all gave that I hadn't considered. If you don't mind my throwing out some figures (some hypothetical), could you please tell me if I'm on the right track? College expe...
by Lynn1987
Sat Jul 30, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: When NOT to use 529 for college expenses?
Replies: 10
Views: 1670

When NOT to use 529 for college expenses?

My son will be starting college next month. I'm just now realizing that the withdrawal from his 529 should be reduced so that we can take the AOTC (American Opportunity Tax Credit). He will be living at home and attending a local university, so after scholarships, his tuition for the fall semester i...
by Lynn1987
Wed Jan 20, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord!
Replies: 17
Views: 2871

Getting Rid of the Landline

Thank you all for the excellent info! You can port your "mobile" number to Google Voice for a one-time $20 fee. I believe now that your number is already used with AT&T Go Phone, you can port it to Google Voice like any mobile phone number. After it's a Google Voice number, you can hav...
by Lynn1987
Tue Jan 19, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord!
Replies: 17
Views: 2871

Cutting the cord!

I am trying to find a way to save my landline number we have had for over 25 years, after getting rid of my AT&T home phone. I just ported my number from AT&T to an AT&T Go Phone. I'm currently paying about $25 for 3 months before the unused minutes expire. $100 dollars a year is a lot b...
by Lynn1987
Mon Nov 09, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using HSA funds for reimbursable expenses
Replies: 2
Views: 451

Using HSA funds for reimbursable expenses

I have some medical expenses which should eventually be reimbursed by a third party insurance company due to a (clearly) not-at-fault auto accident. Their insured has admitted fault, was ticketed and I've been paid for my totaled car. Since I would prefer not to settle on my injuries until I'm sure ...
by Lynn1987
Wed Sep 23, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 30
Views: 3895

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?

We just did the Alcatraz tour a few days ago and sadly, I didn't see this thread before we went. Would love to have gotten a private tour - we still enjoyed it very much though. The audio tour was very well done and it's a fascinating place. Even though we didn't get to meet Raybo, I would like to g...
by Lynn1987
Sun Mar 22, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Re: Mysterious Vanguard Security Code

Lynn, do you by any chance use aggregation software, like Mint? The software logging in might account for what you saw. Yes, I do use Mint, so maybe that's it. It still seems odd though, because I've used the text code since shortly after it was offered and don't remember this happening before. Hop...
by Lynn1987
Sun Mar 22, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Re: Mysterious Vanguard Security Code

Lynn, do you by any chance use aggregation software, like Mint? The software logging in might account for what you saw. Yes, I do use Mint, so maybe that's it. It still seems odd though, because I've used the text code since shortly after it was offered and don't remember this happening before. Hop...
by Lynn1987
Sun Mar 22, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Re: Mysterious Vanguard Security Code

You might want to experiment with logging into your Vanguard account, but typing the password incorrectly. Then log in correctly a few minutes later and see what it says for "last login." I don't know what Vanguard shows, but one of my credit cards did show my failed login attempt (becaus...
by Lynn1987
Sun Mar 22, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Re: Mysterious Vanguard Security Code

I would encourage you to change your password, but most of the times this happens, it's merely someone who has a similar username to you and is putting in the username wrong. I used to work in customer service, and I probably had at least one call a day where someone would call in saying they had l...
by Lynn1987
Sun Mar 22, 2015 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Re: Mysterious Vanguard Security Code

Yes, I did change my password before I wrote the OP.
by Lynn1987
Sun Mar 22, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 3444

Mysterious Vanguard Security Code

I noticed a Vanguard security code text came through this morning, but I did not generate it. So, I logged into my account and it actually showed the last login as earlier this morning. There doesn't appear to be any pending activity, but it's very concerning and of course, they are closed today, so...
by Lynn1987
Sun Jan 11, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Re: Ski questions from a Southerner

only advice i'd suggest is to be sure you get some good tinted goggles. when i say "good" i don't mean quality, i mean how dark they are. The glare off the snow on a full sun day can be really harsh, you will feel it at the end of the day and in the morning if the tints not enough. Thank ...
by Lynn1987
Sat Jan 10, 2015 10:04 pm
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Re: Ski questions from a Southerner

Since this post had a number of replies, I thought I would provide an update after our trip. We ended up going to Big Sky - although Bridger Bowl would have been less expensive, our time was really limited, and Big Sky was more convenient. We arrived at this beautiful area in time to take a beginner...
by Lynn1987
Fri Dec 26, 2014 5:04 pm
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Re: Ski questions from a Southerner

Thanks for the tips on using the poles and also for Sugar Mtn info!
by Lynn1987
Sat Dec 20, 2014 9:47 am
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Re: Ski questions from a Southerner

Thanks everyone for the additional input. Will definitely not use any cotton. The skis, poles & boots are included with the lesson fee, as is the lift ticket for the beginner slopes. I think that everything we might buy we could also put to use during winter hiking and 4-wheeler riding, which we...
by Lynn1987
Thu Dec 18, 2014 8:04 am
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Re: Ski questions from a Southerner

Thank you for all the responses. I know that spending one day at a ski resort is not the most efficient use of our dollars, but being able to travel and try new things as a family is why we scrimp and save in other areas. We talk about places we've gone and adventures we've had for years - long afte...
by Lynn1987
Wed Dec 17, 2014 8:45 pm
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 6446

Ski questions from a Southerner

My family will be taking a vacation in a couple of weeks and will only have one day during the trip to spend at a ski resort (Big Sky). Is it worth it to take the "ski school" class? Or since we wouldn't have time to really practice what we learned anyway, should we just get the ski lift t...
by Lynn1987
Wed Dec 03, 2014 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 78
Views: 21587

Re: Health Equity HSA--New Passive Plan

Has anyone gotten any more info on the new Health Equity funds with Vanguard? I had asked them about them several months ago and they said at that time, they didn't have a firm roll-out date. Then, out of the blue a couple of weeks ago, I received an email saying they would be available beginning De...
by Lynn1987
Wed Sep 24, 2014 6:48 am
Forum: Personal Consumer Issues
Topic: Snowmobile Vacation
Replies: 6
Views: 937

Re: Snowmobile Vacation

Thank you all for the suggestions! Will look into them all. Any specific rental companies that you recommend? (I think that's allowed on the forum?) When we went to Wyoming years ago we took a guided tour into Yellowstone, but also went to a place with wide open areas where we could "play"...
by Lynn1987
Sat Sep 20, 2014 10:43 am
Forum: Personal Consumer Issues
Topic: Snowmobile Vacation
Replies: 6
Views: 937

Snowmobile Vacation

My family is planning to take a trip this winter to snowmobile. Years ago my husband & I went to Wyoming to snowmobile and enjoyed it very much, so would like to go again with our 16 year old. Most likely looking at about 3 days of guided trips (probably just the daytrips, since the overnight on...
by Lynn1987
Wed Jul 23, 2014 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Income tax to beneficiary of annuity
Replies: 3
Views: 456

Re: Income tax to beneficiary of annuity

Thank you both for the link and information. I have not yet sent the paperwork to claim it, but it appears that if it is less than $50k (and it is), lump sum is my only option. I will call them to verify that. Alan - it was purchased after 1982. I will also see if an option would be to delay getting...
by Lynn1987
Tue Jul 22, 2014 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax to beneficiary of annuity
Replies: 3
Views: 456

Income tax to beneficiary of annuity

I am the beneficiary of an annuity which has gains of about $15k (it's non-qualified). My research (if I'm understanding correctly?) tells me that I will need to claim it as ordinary income for tax purposes. I am trying to understand why it is taxed differently than if it was a different investment ...
by Lynn1987
Sun Jun 29, 2014 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Too little for stretch IRA?
Replies: 4
Views: 699

Re: Too little for stretch IRA?

Thanks for the responses! That's why I like this forum - sometimes I just miss the obvious. :oops: We are maxing out our Roths already, but have room in 401k contributions, so will adjust that withholding to add in there and effectively not pay any current taxes on it. :P
by Lynn1987
Sat Jun 28, 2014 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Too little for stretch IRA?
Replies: 4
Views: 699

Too little for stretch IRA?

I will be receiving an inheritance (not spousal) and a very small portion (~$1600) is a TIRA. It's currently in a bank savings account. Should I just have them cash it out and pay taxes on it? It would be taxed as ordinary income, right? Or would it be worth it to transfer it over to an inherited IR...
by Lynn1987
Sat Apr 12, 2014 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

So we still have no clue why that amount is in box 11. We need an income tax expert; I am not one. Box 11 is for the Social Security Administration to properly account for your earnings relative to the earnings test, as I read the instructions for the W-2. The purpose of box 11 is for the SSA to de...
by Lynn1987
Sat Apr 12, 2014 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

Yes - box 11 is $625

Thanks!
by Lynn1987
Sat Apr 12, 2014 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

Okay - figured out the "Less Other Café" line. It was only my health & dental ins deductions. So: The $625 WAS included in my gross pay and is in Box 1. The $332 Misc Deduction was NOT included in the "Less Other Café" line and NOT included in the FIT withheld amount. Trying ...
by Lynn1987
Sat Apr 12, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

The miscellaneous deduction was not included in the FIT withheld on my W-2. Here are the details: Amount of gift card received totaled $625 Imputed income shown under Earning is $625.00 Misc. deduction is $332.00 I'm not sure if the $625 was included in the Box 1 amount just yet - trying to determin...
by Lynn1987
Sat Apr 12, 2014 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

If you are as totally anal as I am, you would look at all your pay stubs to see what would have gone in box 1 for each one. Then add. Since the gift cards would not have shown up in your pay stub, the total of your pay stub taxable amounts should be the box 1 total on your W-2 (without the gift car...
by Lynn1987
Sat Apr 12, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

Uh-oh! Livesoft - I forgot the part about adding it back in to Box 1. It did increase my taxes owed when I did that (about $200).
by Lynn1987
Sat Apr 12, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Re: Last minute income tax question

Livesoft - it did not make any difference when I set it to 0. I'll just leave it as is & not worry about it. Thank you!
by Lynn1987
Sat Apr 12, 2014 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Last minute income tax question
Replies: 13
Views: 790

Last minute income tax question

I have an amount in Box 11(nonqualified plans) of my W-2 which is the amount of some sales-based prizes (gift cards) issued by my employer during 2013. Should this be in Box 11? I had asked my HR dept and they were suppose to get back to me, but they did not and frankly, I forgot about it until I st...
by Lynn1987
Sat Jan 25, 2014 11:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 31469

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday, Taylor! Truly appreciate your sharing your wisdom with us. I always stop to read your posts when I'm scrolling through a forum. You have been a blessing to me and my family!!
by Lynn1987
Tue Jan 21, 2014 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k provider – thinking this might not be a good change
Replies: 30
Views: 3966

Re: New 401k provider – thinking this might not be a good ch

Wanted to say a sincere THANK YOU to all who contributed to help me figure this allocation out – especially pingo as well as Laura for all the detailed info. I met with the 401k rep individually today and relayed my objective of using the 401k within our total portfolio to achieve our total asset al...
by Lynn1987
Mon Jan 20, 2014 7:13 am
Forum: Investing - Help with Personal Investments
Topic: New 401k provider – thinking this might not be a good change
Replies: 30
Views: 3966

Re: New 401k provider – thinking this might not be a good ch

Pingo, thank you so much for breaking this down. I did ask if there was a brokerage option within the 401k & there is not - at this time. Your time & effort is much appreciated!! :D
by Lynn1987
Thu Jan 09, 2014 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 9802

Re: Questions about filling out PenFed IRA CD forms

Has anyone tried sending their forms via FedEx? Thought I might try that to get the forms with original signature in, since we're getting close to probably the deadline of being able to transfer funds from Vanguard before the end of the month. However, the address on the form appears to be a PO Box ...
by Lynn1987
Thu Jan 09, 2014 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k provider – thinking this might not be a good change
Replies: 30
Views: 3966

Re: New 401k provider – thinking this might not be a good ch

I asked about the high ERs and was told that it was because Securian, unlike some other providers, had absolutely no fees, charges or expenses paid for by employees other than the ER. I responded that I was glad to know it's transparent but would trust that the ERs would decrease as the start-up cos...
by Lynn1987
Wed Jan 08, 2014 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k provider – thinking this might not be a good change
Replies: 30
Views: 3966

Re: New 401k provider – thinking this might not be a good ch

Thank you, grog & TomOB - good information. I'm hopeful that the ER's will go down as the plan assets increase. I asked if larger companies typically had lower ER's and they indicated they did. I did get the ticker symbols - for the funds that had one. Apparently, there isn't a ticker symbol ava...
by Lynn1987
Mon Jan 06, 2014 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k provider – thinking this might not be a good change
Replies: 30
Views: 3966

Re: New 401k provider – thinking this might not be a good ch

Unless you state otherwise, I'll assume your financial situation and account/contribution amounts are not meaningfully different than what is posted in your request for portfolio help from few months ago. We were advised that our 401k provider would be changing from John Hancock to Securian – in or...
by Lynn1987
Mon Jan 06, 2014 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401k transfer fee
Replies: 51
Views: 5371

Re: John Hancock 401k transfer fee

johnz1001 wrote:
The 2.5% was fully reinstated.

The company did a good job of negotiating the transfer of assests, and MassMutual was apparently willing to reinstate the transfer fee to employees' accounts. I am happy about that.



Glad to hear you got the transfer fee back!!