Search found 1542 matches

by Katietsu
Wed Sep 26, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 13
Views: 626

Re: First-time victim of credit card fraud

Please do not waste anymore time thinking about it. Continue your current practices since it is pretty amazing that this is your first time. But the chance that you will ever know how the number was acquired by the criminals is minuscule. And, as others have said, the use of the card only at SWA doe...
by Katietsu
Tue Sep 25, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 30
Views: 1243

Re: When do you need a hearing aid

Do you have a spouse? Kids? Roommate? Lunch group? Poker group?

In my experience, they may be aware of your need for a hearing before you are.
by Katietsu
Tue Sep 25, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 120
Views: 5622

Re: My Very First Smartphone — Please Critique This Plan

It sounds like you might want to spend the bucks on a good case. My family has had good experience with LifeProof and Otterbox. Do it right away before you scratch your screen if not worse.
by Katietsu
Tue Sep 25, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6406

Re: Job burnout - Keep grinding or change?

I do think speaking with a counselor of some sort could be helpful. The OP might just not want to bare his soul online, but he did not outline specifics aspects of his job that were untenable. The gentleman on this forum who recently was thinking of a career change because of his 100 hour work weeks...
by Katietsu
Tue Sep 25, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 669

Re: Is there any point to keeping old X-rays?

Yes, it could be helpful as tyrnup13 described. You will just need to decide if the small chance of it being helpful is worth it to you vs wanting to rid yourself of clutter.
by Katietsu
Mon Sep 24, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 113
Views: 6172

Re: Fed up with health insurance situation

I can give you another data point but I don’t know if it will make you feel better or worse. My insurance is through a large government plan with tens of thousands of people insured. The HSA plan for two adults with a $4000 deductible in state and an $8000 deductible out of state cost the employee $...
by Katietsu
Mon Sep 24, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRA contribution made income too LOW ... thoughts?
Replies: 5
Views: 709

Re: IRA contribution made income too LOW ... thoughts?

The IRS does not have bigger fish to fry in that the IRS sends letters to many very low income people concerning their ACA subsidies. However, the good news is that if they provided a reasonable good faith estimate to the Marketplace about their anticipated 2017 income and they were never actually p...
by Katietsu
Fri Sep 21, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1593

Re: Over 120 Vanguard funds go transaction free at E*trade

This is a good for ETrade customers. I still prefer not to buy in ETrade - because ETrade does have a partial transfer fee. Merrill Edge, Fidelity, and Vanguard are my preferred places to buy ETFs - since all 3 do not have a partial transfer fee. note: Merrill Edge and Fidelity do have full transfe...
by Katietsu
Fri Sep 21, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 120
Views: 5622

Re: My Very First Smartphone — Please Critique This Plan

A few comments: -Your plan is fine as long as the geographic coverage area works well for you. -You should be able to set up your existing email account for access from your phone with no problem. -I think you may have already realized it, but, in my experience, many of the suggestions for lower pri...
by Katietsu
Thu Sep 20, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2443

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

livesoft wrote:
Thu Sep 20, 2018 1:23 pm
Better deals on 11/11. Last year I bought a down parka.
+1
Best deals recently seem to happen in the couple of weeks before Black Friday.
by Katietsu
Thu Sep 20, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar cost average funds being transferred to new retirement account?
Replies: 25
Views: 1618

Re: Dollar cost average funds being transferred to new retirement account?

Do you have to sell the current funds before transferring? Will you save a lot in fees doing it that way?
by Katietsu
Thu Sep 20, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1069

Re: Need iPhone case recommendations

All my relatives use LifeProof cases.

Any idea what the key vulnerability is?
by Katietsu
Thu Sep 20, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6716

Re: Don't trust Tripadvisor reviews

I have never had an issue with a hotel selected based on TripAdvisor. I usually put more weight into my assessment of the reviews than I do the absolute rating. This is especially true when the number of reviewers is small and could have been skewed by just a few fake reviews. I would not find 9 pho...
by Katietsu
Thu Sep 20, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2791

Re: Moving to Dallas, how to establish residency

I don’t think the contact time in Ohio applies when you are changing residence. In other words, you can be a Part year resident of Ohio for 9 months and of TX for 3 months. The contact days applies if you want to be a non resident of Ohio for all of 2018. You would want to keep track of the part of...
by Katietsu
Thu Sep 20, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 48
Views: 2462

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by Katietsu
Thu Sep 20, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 48
Views: 2462

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by Katietsu
Wed Sep 19, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2791

Re: Moving to Dallas, how to establish residency

I don’t think the contact time in Ohio applies when you are changing residence. In other words, you can be a Part year resident of Ohio for 9 months and of TX for 3 months. The contact days applies if you want to be a non resident of Ohio for all of 2018. You would want to keep track of the part of ...
by Katietsu
Mon Sep 17, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 980

Re: Vanguard vs. EJ vs. Fidelity

Do you have a Fidelity off ice nearby? Some people appreciate being able to go to the office in person when forms need completed etc. This would be an advantage for Fidelity. You could simply tell Fidelity you want everything to go to the Fidelity Freedom Target date Index fund of your choosing. (Ma...
by Katietsu
Mon Sep 17, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2187

Re: $180 IPhone SE or $90 Iphone 5S

For a $90 difference there is no comparison. New vs used, 5s processor vs 6s in the SE. And what about the battery? A battery replacement can cost almost the same as the price difference in the phones. Additionally, the SE has double the storage space so you will not have to worry about it if you wa...
by Katietsu
Mon Sep 17, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2187

Re: $180 IPhone SE or $90 Iphone 5S

I would strongly consider moving to a 7. The SEs do not have access to the full bands of cellular networks. If you want full LTE, they are more or less tied to the carrier they are designed for, and subsequent MNVOs. Buying an SE might be a cost saver, but over the long term you are stuck with a ne...
by Katietsu
Sun Sep 16, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11663

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Option 1: Stay with the company and move back to a 50 hour work week in another position. Accept potentially never being promoted again. Assess the likelihood of being able to stay around to retirement age in a role that does not make you dread going to work. Option 2: Get a new job now. Half as muc...
by Katietsu
Sun Sep 16, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 835

Re: Cheapest smartphone option for 2 weeks

It depends on what you want to do with it and how much data you need. If I was only going to be without Home internet service for a day or two, I would have different needs than if I was going to be driving cross country for those two weeks. If acceptable, I would keep it simple and just go into a T...
by Katietsu
Sun Sep 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11663

Re: Considering Quitting Job - Seeking Advice. Would you do it?

As someone about 5 years older than you, I will say that DH and I both feel we peaked around your age as far as the ability to to pull off those heavy workloads for more than a few days at a time. I remember a parent saying the same thing and not really understanding at the time. So my warning to yo...
by Katietsu
Sun Sep 16, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much to request on increase credit line & Large loan approval
Replies: 7
Views: 360

Re: How much to request on increase credit line & Large loan approval

You probably won’t have any trouble regardless. If you do, it likely will not be because of your credit score. However, my suggestions are this: For the month or two before the car loan, simply pay off your credit card a couple of days before the statement date. So, for instance, you can charge $500...
by Katietsu
Sat Sep 15, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 2962

Re: HOA Donation in Remembrance of Deceased Owner

Have no idea how common. I have seen flowers at a funeral home with a card from the homeowners association. Of course, I have no idea if the flowers were purchased from mandatory fees or a voluntary fund.
by Katietsu
Sat Sep 15, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary unallowed in joint taxable -move to single acct?
Replies: 10
Views: 738

Re: Beneficiary unallowed in joint taxable -move to single acct?

What is worrying you? If something happens to you and your wife, I highly suspect that your newborn would inherit as an intestate heir. Since you are talking about a minor child, the courts would need to be involved anyway cause a newborn can’t cash their own checks. And this is a temporary situatio...
by Katietsu
Sat Sep 15, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 719

Re: CP2000 - rollover Vanguard IRA to TSP

Yes, call the number on the CP2000 notice. That number will get you directly to someone who has the ability to look at and discuss the specifics of your case. Given the documentation that you already provided, it is quite possible that the whole thing could be cleared up while you are on the phone.
by Katietsu
Thu Sep 13, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11959

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in se...
by Katietsu
Wed Sep 12, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1892

Re: 1 year old birthday

I would go to a party in a small condo but I would hope the party was appropriate for the space and type of guests.If you have a small space, keep the numbers small. If you have young children who don’t have a yard to run around then plan a stationary craft or game activity. Also, keep it short with...
by Katietsu
Tue Sep 11, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Regular savings via after-tax 401(k) account
Replies: 7
Views: 744

Re: Regular savings via after-tax 401(k) account

I don't see why you would do after-tax 401k contributions without utilizing backdoor Roth. You refer to possibly needing the funds, but if that is the case, why would you want the funds tied up in your 401k? Are you over age 59.5? Designating them as non-Roth after-tax circumvents the age 59.5 requ...
by Katietsu
Mon Sep 10, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4530

Re: $250,000 family loan to parents?

People are making this way to complicated. A simple home loan to your parents, sounds like a primary mortgage. It has the benefit of being truthful, simple, and protects everyone. Why make it more complicated than that? Give them time to process the changes in their life and ease out of the old hou...
by Katietsu
Mon Sep 10, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3110

Re: Father Wants a Home Mortgage (Bad Credit Score)

Unlike some others, I am not opposed to mixing family and money. But I do think you need to be very careful in working out all the details since the consequences of a bad outcome are so much greater than just the lost of funds. My concern for you is whether or not you know the full story. Your Dad h...
by Katietsu
Fri Sep 07, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 591

Re: What sort of account could my MIL have just set up for my husband?

If she has IRAs should could be completing the beneficiary information; or TOD transfer instructions for bank accounts. +1 If her assets are minimal as you describe, this would be especially useful. It would allow any money that was left in the bank account to go directly to the kids without wills,...
by Katietsu
Tue Sep 04, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs Traditional IRA
Replies: 23
Views: 1138

Re: 403b vs Traditional IRA

I don't see the 60/40 fund you mentioned as an option but I may just be missing it in the long list of Vanguard choices. Two more questions: Should I suggest that they follow rule: tax deferred should be in bonds? When choosing a fund, should much weight be given to Morningstar rating? I know there...
by Katietsu
Tue Sep 04, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1678

Re: [How do I include inflation in my pay raise?]

I'm a bit confused by the discussion of tax brackets. Can someone provide an example with numbers? I'll make up some numbers to make the math easier. Suppose that the standard deduction is $20,000, and you then pay 10% tax on taxable income up to $10,000, and 15% tax on the amount from $10,000 to $...
by Katietsu
Mon Sep 03, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1083

Re: How do I get rid of big project t.v.?h

I have disposed of TVs in a few ways still legal. In one state, the trash services must take electronics one day a month. In my case, you must call a week before your neighborhood’s pick up date to schedule. In another state, each county has a solid waste authority that schedules recycling dates to ...
by Katietsu
Mon Sep 03, 2018 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate Vanguard's Proposed Plan for my portfolio
Replies: 22
Views: 2199

Re: Evaluate Vanguard's Proposed Plan for my portfolio

A few comments: -I think there was some confusion with your post in that many readers thought that the tax managed balanced fund was part of Vanguard’s proposal. I believe that you were indicating that it is a current fund that will be sold. - The equity part of the proposal is to add international ...
by Katietsu
Sun Aug 26, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year's old with no retirement savings.
Replies: 31
Views: 3247

Re: 28 year's old with no retirement savings.

Many have said this but just to be clear...Do not put any money into the Roth IRA unless you are putting enough in the 403 b to get the full match. In fact, I would even close the Roth and pull the money out if that was needed to get me closer to the 403b match.
by Katietsu
Sun Aug 26, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Helping aging parents (in another state) with housing and care?
Replies: 11
Views: 1281

Re: Helping aging parents (in another state) with housing and care?

Are you planning on a single family home with all the care and upkeep that involves? At 75 and 80 years, the chance that your parents will need an increasing amount of help to maintain a single family home and independent living over the next five years is significant. The chance that an acute event...
by Katietsu
Fri Aug 24, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1149

Re: Alexa for seniors, especially blind or low vision

The things most used by my elderly relative include: asking about the weather, asking it to set an alarm, asking it to play music and audiobooks. You can ask it for the news in the morning and you will get a quick news brief. She also asks questions that you might google: how many ounces in a gallon...
by Katietsu
Fri Aug 24, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1149

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button. If you have a landline, you can purchase an “Echo Connect.” This would allow yo...
by Katietsu
Thu Aug 23, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4149

Re: relationship issues - advise needed

oh no, i already called EAP and they set me up with a independent counselor - they said it is confidential by law unless they sense i may harm myself or others...oh well...EAP says, i have 5 free sessions Don't call EAP (employee assistance)! The last thing you want to do is get your employer mixed...
by Katietsu
Thu Aug 23, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Reversing credit card charge for short-term vacation rental gone awry
Replies: 26
Views: 1635

Re: Reversing credit card charge for short-term vacation rental gone awry

You should be specific and focus on the most objective problems. Based on the OP, I would probably agree with the agency unless the OP had photos that were in conflict with the listing photos. It sounds like you made the right choice for you by leaving. Beautiful vs dumpy is too subject to the eye o...
by Katietsu
Wed Aug 22, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1149

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button. If you have a landline, you can purchase an “Echo Connect.” This would allow yo...
by Katietsu
Wed Aug 22, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: CPA/Account error - who's responsible?
Replies: 24
Views: 2075

Re: CPA/Account error - who's responsible?

3. Late extension was based on accounting firms inability to file timely. We submitted extension, along with another estimated pre-payment back in April. I think you mean that a regular extension was filed in a timely manner. In other words, an extension was filed on your behalf before April 18. A ...
by Katietsu
Mon Aug 20, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12231

Re: Excessive Emergency Room Charges - Options?

Have you confirmed that the insurance company is paying as an emergency? I have been billed above the co pay for using an out of network ER. All I had to do was justify that it was an emergency. The insurance company picked up the additional charges.
by Katietsu
Mon Aug 20, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2791

Re: Retire and become an Adventure Guide

Based on conversations with friends who have worked in this area, the greatest cause of stress and burnout is being responsible for the life and health of others. These others may not have the physical fitness or experience that you would hope for. And, more significantly, might not follow your stan...
by Katietsu
Sun Aug 19, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help -- Wife's Roth 401k Contribution
Replies: 6
Views: 390

Re: Need Help -- Wife's Roth 401k Contribution

I do not know if I am missing something...but it looks to me that the match is only for those contributions representing up to 6% of the base pay. It appears that she is already contributing 21% of her pay and therefore already receiving the maximum match. It also appears that the 6% limit is applie...
by Katietsu
Sat Aug 18, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2222

Re: Online Banking - School Me

Consider checking out a couple of regional banks in your area. They sometimes have good deals even though their standard rate is poor. For instance, one bank here offers a 1.6% money market if you have a checking account and keep a $25000 minimum balance. So, the convenience is worth a .2% lower ret...
by Katietsu
Sat Aug 18, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: funds from inheritance [how is it taxed?]
Replies: 9
Views: 920

Re: funds from inheritance [how is it taxed?]

Whether there are capital gains taxes and whether or not the taxes are paid by the estate or reported by each individual is affected by the specifics of the situation. But, as stated previously, if the property is sold within a reasonable amount of time, there would be no capital gain ordinarily. No...