Search found 625 matches

by bostondan
Fri Jun 26, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Putting A/C in an old house without vents
Replies: 16
Views: 1150

Re: Putting A/C in an old house without vents

We purchased an old home last year and and looked into all the various options for "central" AC. One issue I ran into was that the electric service to our old home is only 100A and that is apparently not sufficient for an adequately sized compressor for either a mini split system or a high velocity ...
by bostondan
Thu Jun 11, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4137
Views: 292220

Re: Refinance Mega Thread

Just locked a 30-year fixed with UWM for 2.99% with $4000 credit on $350k loan. I'm using the same broker I have used on my prior purchases and refinances who always seems to get me a way better deal than any other place I compare. He also offered 2.75% with no credit, or 2.85% with $2000 credit. It...
by bostondan
Wed Jun 10, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2555

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

When my mom was terminally ill we had to move into a new apartment to care for her. It was an old 3 bedroom apartment owned by my university that was actually amazingly nice, but hadn't been lived in or cleaned in about 1 year. As a result, it was horribly dusty. We purchased 4 of these: https://win...
by bostondan
Fri Jun 05, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer reimburse spouse's insurance premium?
Replies: 9
Views: 406

Re: Can employer reimburse spouse's insurance premium?

adamthesmythe wrote:
Fri Jun 05, 2020 12:22 pm
An insurance company might suspect that opt-out employees are younger and/or expect lower health care costs.
That's a good point. They might want to discourage people from opting out or making rules to prevent employees from benefiting from not participating.
by bostondan
Fri Jun 05, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer reimburse spouse's insurance premium?
Replies: 9
Views: 406

Re: Can employer reimburse spouse's insurance premium?

If she works for a larger company, I doubt HR would bother to change the rule or making an exception for you. If she works for a small firm and HR is flexible, maybe doable. Never hurt to ask. But think about it, now your plan cost 3500 a year. Yes lower out of pocket expenses. So one extreme scena...
by bostondan
Fri Jun 05, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer reimburse spouse's insurance premium?
Replies: 9
Views: 406

Re: Can employer reimburse spouse's insurance premium?

It’s hard for employers to do “deals” related to benefits for one employee. If your wife decides to ask for this and it is granted just to her, the reimbursement would probably be in the form of a taxable bonus or salary adjustment. If you are moving to a new employer and received a sign on bonus o...
by bostondan
Fri Jun 05, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Can employer reimburse spouse's insurance premium?
Replies: 9
Views: 406

Re: Can employer reimburse spouse's insurance premium?

My wife used to work for an employer that if you declined their insurance with proof of insurance on a spouse's insurance you got a monthly payment. But this was available for all employees in the plan documents, not some special one off deal. It surprises me that more places don't do that, which i...
by bostondan
Fri Jun 05, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Can employer reimburse spouse's insurance premium?
Replies: 9
Views: 406

Can employer reimburse spouse's insurance premium?

Until the end of July my wife and I both have free family health insurance through our employers. We are double-insured and it works well. However, that is changing slightly soon. My wife currently has health insurance through her firm, which pays the full premium so she has zero monthly expenses. H...
by bostondan
Tue Jun 02, 2020 12:45 pm
Forum: Personal Investments
Topic: Fidelity Cash Management
Replies: 10
Views: 2435

Re: Fidelity Cash Management

Theratking wrote:
Tue Jun 02, 2020 12:32 pm
:?: How do you get 2.37% on their checking account?
That post is from 2019. The rates were high until the recent market turmoil and reduction in interest rates.
by bostondan
Tue Jun 02, 2020 12:44 pm
Forum: Personal Investments
Topic: Fidelity Cash Management
Replies: 10
Views: 2435

Re: Fidelity Cash Management

Was just re-visiting moving my money to Fidelity CMA. Seems the incentive is pretty tiny now. Using any ATM with re-reimbursed fees seems the best reason at the moment. Due to low MM rates seems I'll postpone it again, or just not do it because it seems high yield savings will consistently stay ahe...
by bostondan
Sun May 17, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: HOA non-profit type? Registering to file taxes in MA
Replies: 5
Views: 245

Re: HOA non-profit type? Registering to file taxes in MA

Here's the code: IRS Section 501 . It defines the various organization/corporation types. Typically, a form for application is required; you cannot self-appropriate a designation. Thanks. How does one find out if a designation already exists for the HOA? The prior owners really did nothing they wer...
by bostondan
Sat May 16, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: HOA non-profit type? Registering to file taxes in MA
Replies: 5
Views: 245

HOA non-profit type? Registering to file taxes in MA

I am trying to register our HOA with Massachusetts DOR so that I can start filing taxes, though the amount due will be $0. The previous HOA president never filed taxes and I am trying to rectify the mistakes of the people before me. The MassConnect website asks me for the "nonprofit type" for the ac...
by bostondan
Fri May 08, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible
Replies: 44
Views: 5114

Re: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible

Fidelity mobile is superior to this and allows fractional shares/dollar purchases of etfs and stocks. I have switched taxable account to fidelity because of this as I now just put in how much dollars I want to buy of etfs like for mutual funds. M1 finance is better as well for fractional shares. Ho...
by bostondan
Mon May 04, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4881

Re: Front load washing machine recommendations

I just purchased the Wirecutter recommendation a couple weeks ago, which is on sale until tomorrow at Costco: https://www.costco.com/lg-wifi-enabled-4.5cuft-front-load-washer-and-7.4cuft-electric-dryer-with-optional-pedestals.product.100476249.html This seems to be a pretty good deal. It is for the ...
by bostondan
Wed Apr 29, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go.... We had the option of putting out children in a daycare for essential workers since I am a physician working in a COVID ICU, but honestly it seemed irresponsible. I hope I’m doing a good job with my PPE, ...
by bostondan
Wed Apr 29, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

I just wanted to provide an update on my situation. Our daycare successfully obtained one of the PPP loans and will only be asking for about 1-2 weeks of tuition between now and the end of June, so we'll have about a 6 week reprieve from tuition. They are still asking for some tuition to help cover ...
by bostondan
Fri Apr 24, 2020 6:08 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25150

Re: IRS Get My Payment up and running

I wanted to provide an update. I have been attempting to access this site once each morning. It has been saying payment status not available until today. I put in my address from my 2018 return today and it said my info was not correct, which was a change from payment status not available. I had sub...
by bostondan
Fri Apr 17, 2020 6:48 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Anybody’s daycares charging fees that are not being credited to future months? Our daycare is charging simply a “holding fee.” $0 is being applied towards credits for future months. They are not engaging in online or remote activities. the only thing I am aware they are doing is having someone sit ...
by bostondan
Fri Apr 17, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25150

Re: IRS Get My Payment up and running

@bostondan @LawEgr1 The address worked for me to get past the verification but judging by how poorly programmed the "Get My Payment" tool is, I wouldn't be surprised if there was another quirk preventing it from matching your information. Have you tried entering the address without any dot characte...
by bostondan
Fri Apr 17, 2020 8:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25150

Re: IRS Get My Payment up and running

I finally figured out why the "Get My Payment" tool said my information did not match their records. Check to make sure the address you are entering matches the spelling for what the USPS has for your address. The tool is using the USPS validated version of your address and NOT the address you ente...
by bostondan
Fri Apr 17, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25150

Re: IRS Get My Payment up and running

According to https://www.digitaltrends.com/news/what-the-error-message-youre-getting-means-for-your-stimulus-check/ one reason for "Payment Status Not Available" is "You filed your taxes online using H&R Block, TurboTax, or Jackson Hewitt." Given that inputting random information provides the same ...
by bostondan
Thu Apr 16, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25150

Re: IRS Get My Payment up and running

I get the same "payment status not available" message when trying today. - Qualify based on 2018 taxes, but owed money at that time. They have bank info only for the withdrawal, not a refund. - Have not filed 2019 taxes yet, because I owe money and was waiting. - All my information entered is defini...
by bostondan
Wed Apr 15, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Was there no state mandate that it close? No, not here. Many parents have chosen to pull their kids out and the daycare is generously allowing them to pay half tuition. There are four other kids in my son's class when in normal times there were probably a dozen. They've really done a great job hand...
by bostondan
Wed Apr 15, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Ours thankfully (seriously, thankfully) is still open. Now that the PPP loans are out there, I'm very much more reluctant to pay full freight for no service. Was there no state mandate that it close? In MA only emergency daycares for essential workers could stay open and ours did not make the cut. ...
by bostondan
Wed Apr 15, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Just wondering if anybody has updates on how their daycares are handling this situation. Our daycare continues to expect full tuition in order to maintain a spot. As I previously mentioned, this location is extremely convenient to work locations for both me and my wife, and we like the daycare, so w...
by bostondan
Wed Apr 01, 2020 2:06 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53117

Re: How Is Your Job Being Impacted By The Current Crisis?

As a physician, we are being thrown into the frontlines of treating COVID-19 patients, while our salaries are reduced. It doesn't seem like there's an easy alternative given the financial losses that the hospital is enduring, but it's challenging concept to get paid less to do something riskier than...
by bostondan
Sun Mar 29, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Corona Virus Stimulus Package Waives RMD
Replies: 17
Views: 2019

Re: Corona Virus Stimulus Package Waives RMD

Does this apply to ALL types of RMDs? I have a large inherited Roth IRA and am hoping to avoid the RMD if possible. I was having trouble figuring out if his holds true for inherited Roth IRAs. It appears so: https://www.forbes.com/sites/ashleaebeling/2020/03/27/congress-suspends-required-minimum-di...
by bostondan
Sun Mar 29, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Corona Virus Stimulus Package Waives RMD
Replies: 17
Views: 2019

Re: Corona Virus Stimulus Package Waives RMD

Does this apply to ALL types of RMDs? I have a large inherited Roth IRA and am hoping to avoid the RMD if possible. I was having trouble figuring out if his holds true for inherited Roth IRAs. The inherited Roth IRA gives distributions to a trust, so not actually directly to me. Thanks for any guida...
by bostondan
Tue Mar 24, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Well I guess I would say if they have waitlist then they have plenty of people waiting to take my place so they will be fine. I'd also reiterate there must be some cost savings in not having kids in the facility (not ordering food, less cleaning, no transportation/buses/field trips, less consumable...
by bostondan
Tue Mar 24, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

I can only speak for myself but if a daycare extorted full tuition out of me during this time using the threat of the waitlist, I'd be searching for an alternative daycare immediately. I won't do business with people like that. My decision may not matter but it's the principle of the situation. My ...
by bostondan
Tue Mar 24, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Our daycare initially closed voluntarily, which was reasonable, but there is now a statewide mandated closure of childcare centers. There are some emergency centers allowed to stay open for essential workers, but our daycare is not one of those. We were told that we must continue to pay full tuition...
by bostondan
Sun Mar 15, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 74
Views: 16612

Re: Review of tax software for trusts and estates

Thanks for all the information! First time using Taxact for Estates And Trusts on line. Just wondering if it generates a K-1 to forward to the beneficiary once I file. If so, I assume I would be able to print it out to send. I was able to view the 1041 but not the K-1. Thanks for any clarification....
by bostondan
Mon Mar 09, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19459
Views: 2695209

Re: U.S. stocks in free fall

Should I avoid TLH My ETFs today because of the volatility? Seems like there’s a risk for buying at a low price and then a few moments later the price rebounds enough to wipe out the benefit of TLH before buying a different fund.
by bostondan
Sat Jan 25, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80058

Re: Fidelity free Turbotax

Two years ago I received downloadable Premier program. Last year nothing. Yesterday I noticed that online Premier was available for free. Not feeling warm and fuzzy about going thru all the hoops online, so will probably get a copy at Costco to put on my computer to work offline. :( You can get the...
by bostondan
Sat Jan 25, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80058

Re: Fidelity free Turbotax

My wife and I both got free TurboTax again this year for each of our logins. We have about $6.1m at Fidelity, not actively managed by them. I kept one copy for us and gave another copy to a friend.
by bostondan
Tue Jan 21, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 67
Views: 14560

Re: Robocalls! -- current best call blocker?

In the ongoing struggle to minimize this problem I've had OK results by enabling "Silence Unknown Callers" in IOS 13. Additionally I'm using the Robokiller app. Robokiller can be a bit entertaining when the spammers are actual people rather than robots. The various Robokiller recorded responses and...
by bostondan
Tue Jan 21, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 67
Views: 14560

Re: Robocalls! -- current best call blocker?

With the new law banning spam calls, is it still worthwhile to buy and use a call blocking device such as CPR V5000? Based on what I’ve read this will be marginally helpful and won’t be fully implemented for several years. For now I use a combination of Verizon call blocker on my iPhone, along with...
by bostondan
Thu Nov 07, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1629
Views: 230354

Re: Fidelity as a one stop shop

Does it show anywhere on the web page whether your ATM fees will be reimbursed? This is for the investment account, not the CMA. I don’t see that anywhere. You can always just test it out and see what happens. My ATM fees are mostly reimbursed within a few days or a week. I don't have the debit car...
by bostondan
Thu Nov 07, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1629
Views: 230354

Re: Fidelity as a one stop shop

indexfundfan wrote:
Thu Nov 07, 2019 3:24 pm
Does it show anywhere on the web page whether your ATM fees will be reimbursed? This is for the investment account, not the CMA.
I don’t see that anywhere. You can always just test it out and see what happens. My ATM fees are mostly reimbursed within a few days or a week.
by bostondan
Mon Nov 04, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Boston-area prenup attorney recommendation
Replies: 0
Views: 358

Boston-area prenup attorney recommendation

Hi all, I am looking for a recommendation for a prenup attorney that works in Boston or the surrounding area for a family member. This family member has assets of around $3m, most of which is in trust, and is marrying someone that likely has substantially more assets than that. I have had good recom...
by bostondan
Sun Nov 03, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

I am surprised people are able to buy a condo with a mortgage without financial statements. Those along with the ByLaws, meeting minutes and insurance policy are typically part of the documents package required for a conventional mortgage. We did get financial statements, but tax filings were not i...
by bostondan
Sun Nov 03, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

In my state HOAs are required by law to produce financial statements annually. Do you even have the records to generate tax returns going back to 2001? If not, I don't know what you can do. If they only had one bank account, maybe you can get the bank records. If they had other accounts you don't e...
by bostondan
Sun Nov 03, 2019 5:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

Just to add to this, I found a form from the IRS buried deep within the papers, with the trust documents, that was from 2010 stating that no tax returns had been filed since at least 2001 and that it should be rectified immediately. I found no other documents to suggest that those taxes were actuall...
by bostondan
Sat Nov 02, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

If nobody has any information about prior taxes, which is what I expect, and I can’t find the associations tax ID, then how am I supposed to proceed? I assume a tax ID was assigned given that the HOA has a bank account with TD Bank.
by bostondan
Sat Nov 02, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

I was the President (and frankly only present) member of a 6 unit association. I filed taxes annually, and given my accounting background, it was not hard. In your situation, I would file the returns (federal and state) and pay whatever penalties are due (if any). I would make sure I stay on top of...
by bostondan
Sat Nov 02, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

Re: What to do if HOA hasn't file taxes

I was the President (and frankly only present) member of a 6 unit association. I filed taxes annually, and given my accounting background, it was not hard. In your situation, I would file the returns (federal and state) and pay whatever penalties are due (if any). I would make sure I stay on top of...
by bostondan
Sat Nov 02, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1657

What to do if HOA hasn't file taxes

I just took over as treasurer of our three-unit condo complex. It appears that the HOA may have never filed taxes. However, it only has a small reserve and has more than $5 of interest in the low-yield checking account. It is my understanding that an HOA must file form 1120 or 1120-H, regardless of ...
by bostondan
Sat Nov 02, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1629
Views: 230354

Re: Fidelity as a one stop shop

The limit on my account seems to be $1020 for me and $1020 for my wife's card. I took out cash today and it lowered the remaining amount on my daily limit, but my wife's remains at $1020. So it seems that we could jointly take out $2040 per day if needed. For a CMA or a brokerage account? Fidelity ...
by bostondan
Sat Nov 02, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1629
Views: 230354

Re: Fidelity as a one stop shop

The limit on my account seems to be $1020 for me and $1020 for my wife's card. I took out cash today and it lowered the remaining amount on my daily limit, but my wife's remains at $1020. So it seems that we could jointly take out $2040 per day if needed.