Search found 232 matches

by theplayer11
Thu Dec 14, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Roofing Question Ice Build Up
Replies: 22
Views: 1257

Re: Roofing Question Ice Build Up

there should be an ice and water shield material under the shingles around all edges
by theplayer11
Thu Dec 14, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today; starting to see impact of compounding over time
Replies: 11
Views: 1979

Re: Hit a milestone today; starting to see impact of compounding over time

it gets fun when that first digit changes every year(for those under the 2 comma club..lol)
by theplayer11
Wed Dec 13, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Unoccupied second home: weird temperature spikes on remote monitor
Replies: 17
Views: 2004

Re: Unoccupied second home: weird temperature spikes on remote monitor

sounds like it was the cold outside temps..boiler turns on heats house for a while then turns off, house cools off a bit, boiler then turns on heating house back up, ect, ect
by theplayer11
Wed Dec 13, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1299

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

me thinks finding this forum is going to save you a ton of money..congrats
by theplayer11
Mon Dec 11, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 38
Views: 2533

Re: Can/Should early retiree avoid ACA tax credits?

My wife and I would be paying over 30,000 this year without subsidies. I have never taken a government handout in my life. This is part of the tax code, and I have taken full advantage of the tax laws my whole life. This is no different. I do not feel "dirty" or soiled by this act. Your own moral v...
by theplayer11
Sun Dec 10, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10644

Re: Save all this money, what do you splurge on?

Lexus vehicles. I hate road noise. Absolutely hate it. Camera gear. Not that I am particularly talented or use it a lot given work, but I like having a nice camera. Tommy Bahama shirts. They run large and are so comfortable. Baseball tickets - lower deck by first base is my favorite location to vie...
by theplayer11
Sun Dec 10, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2761

Re: Europe Suggestions

never been to Prague or Budapest, but multiple people have told me they liked Budapest greatly but Prague not so much.
by theplayer11
Sat Dec 09, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5800

Re: Does this happen to you? Educating friends about personal finance

I tell people that I invest in low fee index funds and that high fund and adviser fees will take hundred of thousands from your nest egg over time. If they choose not to take the next step after hearing this, then that's their problem.
by theplayer11
Tue Dec 05, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2761

Re: Europe Suggestions

yes, Switzerland is expensive, but it's so easy to to do on the cheap. Grocery stores for cheap lunches for example. I found the hotel prices were reasonable. Wife and I prefer the scenic vacations and Switzerland was breathtaking. We like to stay at a "base" city and take train rides to see other t...
by theplayer11
Mon Dec 04, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2761

Re: Europe Suggestions

If into natural beauty, Switzerland is a must.
by theplayer11
Sat Dec 02, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2302

Re: Empty nesters, how did your finances change when the birds left the nest

why would it surprise you that people kept their same jobs and homes after their kids left? That doesn't make sense to me.
by theplayer11
Fri Dec 01, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5168

Re: How Do You Stay Current With Popular Music?

I don't..stuck in the 70's and don't think I'm missing anything.
by theplayer11
Fri Dec 01, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10358

Re: Price of haircut?

52 year old-$12 +$5 tip
by theplayer11
Wed Nov 29, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5481

Re: When to tell the SO about my financial situation?

something tells me she knows you have a lot of $$$ and she is digging around to see just how much. Be careful....
by theplayer11
Tue Nov 28, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Two HSA questions
Replies: 14
Views: 1218

Re: Two HSA questions

SR..I know this has been discussed in other threads but I thought HSA contributions were reported in box 14 and also added to wages in box 1(just like health insurance premiums) This is what I thought was the correct way to do it for my s-corp...or am I mixing up what you are saying? You are referr...
by theplayer11
Tue Nov 28, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Two HSA questions
Replies: 14
Views: 1218

Re: Two HSA questions

SR..I know this has been discussed in other threads but I thought HSA contributions were reported in box 14 and also added to wages in box 1(just like health insurance premiums) This is what I thought was the correct way to do it for my s-corp...or am I mixing up what you are saying? You are referr...
by theplayer11
Tue Nov 28, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Two HSA questions
Replies: 14
Views: 1218

Re: Two HSA questions

Your HSA contributions reduce your MAGI, but they do this differently depending on the source of the contributions: Contributions by payroll deduction are pre-tax and are not reflected in your W-2 Box 1 Wages. This reduces the amount reported on Form 1040 line 7, which will reduce your MAGI. Direct...
by theplayer11
Sun Nov 26, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 954

Re: Help with S Corp - costs, benefits, etc

=Gemini post_id=3634002 time=1511660005 user_id=37322] not sure where you got the $200k figure to make it worthwhile. I find payroll using quickbooks to be fairly simple, but there is a learning curve Well average cost to go this route would be $2-3K and roughly for every 100K of distribution, you ...
by theplayer11
Sun Nov 26, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 954

Re: Help with S Corp - costs, benefits, etc

Does the business have a significant value? If so, be very careful about any entity conversion. If you convert from an LLC to an S-corp, the IRS may consider that a "sale" of the LLC at its current market value, then an "investment" of that money into the new s-corp. You could owe income tax on the...
by theplayer11
Sat Nov 25, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5563

Re: Etiquette question: Paying for meals out & out of town guests

cheapos...anytime you stay at someone's house, IMO you should pay for a meal. Saying your wife needed a break from cooking and still not picking up the check is ridiculous.
by theplayer11
Sat Nov 25, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5274

Re: Etiquette question: going out to dinner with friends and how to split the bill

I'm amazed what some people can actually consume in one sitting. My wife and I are full with just the main meal(or less) and rarely get an appetizer and never a dessert. Being frugal, it does bug me when we have to split the bill yet have consumed much less..and the negativity in me wonders if some ...
by theplayer11
Sat Nov 25, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 954

Re: Help with S Corp - costs, benefits, etc

not sure where you got the $200k figure to make it worthwhile. I find payroll using quickbooks to be fairly simple, but there is a learning curve.
by theplayer11
Wed Nov 22, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Playing the Car Insurance Deductible Game
Replies: 20
Views: 1614

Re: Playing the Car Insurance Deductible Game

ThePlayer- if I understand your question, my policy says I have bodily injury liability of "$300,000 per person/$300,000 per occurrence" and Property Damage Liability of $100,000 per occurrence. So I interpret that to mean $300,000 in coverage. I still plan to purchase an umbrella policy so that I ...
by theplayer11
Wed Nov 22, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Playing the Car Insurance Deductible Game
Replies: 20
Views: 1614

Re: Playing the Car Insurance Deductible Game

is the 300K liability per person? I ask that because many only state the second number like it's the more important number..but I believe the per person liability figure is the more important. If you have 100k/300k, your liability is only 100k per person. Is that high enough? I wouldn't be comfortab...
by theplayer11
Wed Nov 22, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on commercial liability insurance
Replies: 9
Views: 608

Re: Advice on commercial liability insurance

Update: I was able to get a farm liability policy, $1m per occurrence/$2m agg for just $250. The policy was actually only $198, but $250 was their minimum premium. This allowed me to get a commercial umbrella for my commercial auto policy. Farm Family would not write an umbrella without both(auto an...
by theplayer11
Wed Nov 22, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: what limits do you have for Uninsured Motorists?
Replies: 6
Views: 434

what limits do you have for Uninsured Motorists?

what limits for bodily injury from uninsured motorists do you have on your policy.?
I currently have 100k/300K, but not sure that is sufficient. I'm currently getting an umbrella policy, but I do not believe that covers uninsured motorist.
by theplayer11
Sun Nov 19, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14066

Re: Dave Ramsey says don't use credit cards, even if you pay them off

playing the credit card point game has allowed free trips to Europe the past few years with many more points not used. Would I spend less without? Possibly, but the points value would outweigh by a mile.
by theplayer11
Wed Nov 15, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on commercial liability insurance
Replies: 9
Views: 608

Re: Advice on commercial liability insurance

I would still need a personal umbrella policy added to my personal auto policy..correct?
I called Farm Family and they are quoting a business package that would include my home as well.
by theplayer11
Wed Nov 15, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on commercial liability insurance
Replies: 9
Views: 608

Advice on commercial liability insurance

Hi..looking for some boglehead advice on what type of additional insurance I need or should have. Background: -Own a small wholesale greenhouse business on a separate lot that abuts my home lot -each lot is worth around $600k - I currently have a commercial auto insurance policy on 2 vehicles that h...
by theplayer11
Tue Nov 14, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans - At what age do I move to conservative?
Replies: 24
Views: 1834

Re: 529 Plans - At what age do I move to conservative?

If you can fund their tuition, why keep any in stocks at all? Cash out, you won.
by theplayer11
Mon Nov 13, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1756

Re: Windows 10 System image on USB flash drive

Bigfoot..can you explain what needs to be done using AOEMI? I downloaded the program, clicked on back up>system backup and there were 2 options to back up, so I did both to external hard drive. Do I now need to create a bootable recovery disk under utilities? My goal is to be able to get back into ...
by theplayer11
Sun Nov 12, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1756

Re: Windows 10 System image on USB flash drive

Bigfoot..can you explain what needs to be done using AOEMI? I downloaded the program, clicked on back up>system backup and there were 2 options to back up, so I did both to external hard drive. Do I now need to create a bootable recovery disk under utilities? My goal is to be able to get back into ...
by theplayer11
Sun Nov 12, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1756

Re: Windows 10 System image on USB flash drive

Thank. Looks like a Recovery flash drive is not what I was looking for. I want to take a snapshot of the currently installed system that can then be re-installed after something "bad" happens and, perhaps, the system won't even boot. I don't want to restore it back to the day I got it, although tha...
by theplayer11
Sat Nov 11, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Marketplace insurance when dependent child gains employment
Replies: 5
Views: 402

Re: Marketplace insurance when dependent child gains employment

My son is under 26 and recently moved to neighboring state. We could have had him on our marketplace plan, but we priced out a plan for him separately and it turned out to be a better deal.
by theplayer11
Fri Nov 10, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37775

Re: Did you tell anyone you paid off your mortgage?

I'm still scratching my head over people who say they might (or would) tell their spouse. Wouldn't the spouse be a part of big financial decisions? Right now, DH and I are debating paying off the mortgage. It's an ongoing discussion, and when we reach an agreement, we'll pay it off...or not. This w...
by theplayer11
Wed Nov 08, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cricket family plan is changing
Replies: 14
Views: 1203

Re: Cricket family plan is changing

Thanks for the heads up! We are with Cricket, with 5 lines. I'll make a mental note not to touch a darn thing! :D No problem. On the plus side they did increase the high speed data limit to 5GB for the $40 plan. I originally thought it was a good opportunity to shop around for a new plan when I tho...
by theplayer11
Wed Nov 08, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37775

Re: Did you tell anyone you paid off your mortgage?

no, really didn't think it was a big deal. Not sure why anyone would want to tell anyone besides their spouse.
by theplayer11
Mon Nov 06, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4881

Re: Poll-How much do you have in your HSA?

NYCguy wrote:
Mon Nov 06, 2017 10:01 pm
$105k - 2010.
nice return, individual stocks?
by theplayer11
Mon Nov 06, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2974

Re: What to do if a money market fund breaks the buck?

So to answer your question, yes we could sell and take some type of loss ==>> in 2010, then again in 2016. But we are selling on their defreezing schedule, not our schedule. To me, $.97 today is worth more than $.99 paid gradually over 8 years. Could the medicine be worse than the disease? I'm agha...
by theplayer11
Mon Nov 06, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4881

Re: Poll-How much do you have in your HSA?

runner3081 wrote:
Mon Nov 06, 2017 3:30 pm
Ahh, yes. Good old fashioned humble brag thread :)

Started mid 2012, $35K. Took a thousand out the first year.
not really, just curious when people started. I don't even remember how I started, I believe I just stumbled across it.
by theplayer11
Mon Nov 06, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4881

Poll-How much do you have in your HSA?

When did you start and what is the value?
I started in 2009, today's value $67,173
I did not max early on.
I have not yet used at all for medical expenses as no major expenses so far
by theplayer11
Mon Nov 06, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2655

Re: The power of cancellation

like quickbooks payroll...it's cheaper to buy the new software bundle including payroll each year rather than having the subscription renewed automatically..which is the default.
by theplayer11
Mon Nov 06, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: HSA or Traditional Health Insurance - Need Insights
Replies: 17
Views: 1305

Re: HSA or Traditional Health Insurance - Need Insights

Haven't dealt with HDHP in other states, but I thought there could not be coinsurance after the deductible?..apparently that is not correct.
by theplayer11
Mon Nov 06, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13241

Re: Why make more money?

basically, our society has dictated that our main purpose for existence is to work to make money.
Yes, some people like their work...but many do not. Sad when you think about it.
by theplayer11
Sat Nov 04, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5279

Re: Out of network care

Not just HMOs..just received new letter with rates and changes for BC/BS of RI. For 2018, no out of network coverage, was 40% coinsurance with $20k individual out of pocket max. Is it possible this is an HMO? I strongly suspect that are multiple BC/BS plans in RI with many different benefits (many,...
by theplayer11
Sat Nov 04, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5279

Re: Out of network care

Not just HMOs..just received new letter with rates and changes for BC/BS of RI. For 2018, no out of network coverage, was 40% coinsurance with $20k individual out of pocket max.
by theplayer11
Sat Nov 04, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15010

Re: 2018 ACA rates now live....

RI marketplace is a joke. Went through the whole process, got to payment page and poof, my wife disappeared from the application...now saying she was disenrolled. I called in and the best they could do was start a ticket and it "should' be resolved in 30 days. I'm not the type of person who likes to...
by theplayer11
Thu Nov 02, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15010

Re: 2018 ACA rates now live....

BC/BS up 27%....moving to HMO, the only other option in my state.
by theplayer11
Sun Oct 29, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: If someone got into your laptop, would they have access to all sites via the password manager?
Replies: 46
Views: 1492

Re: If someone got into your laptop, would they have access to all sites via the password manager?

if using chrome, if someone hacked your google account, couldn't they see all usernames and password under settings-advanced-manage passwords? They are all there.
by theplayer11
Sun Oct 29, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1634

Re: PA Speeding Ticket?

well, if you had no idea how fast you were going, then you probably deserve the ticker..pay it and move on