Search found 134 matches

by CRC301
Tue Mar 31, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Deduction; Bought & Sold Homes in same year
Replies: 2
Views: 181

Re: Property Tax Deduction; Bought & Sold Homes in same year

If you are a cash basis tax payer, your deduction would be the taxes you paid in 2019 less any tax reimbursements you received (for example, at closing from a buyer) in 2019, subject to any limitations like federal SALT limitation. The IRS instructions to Schedule A page 7 addresses this: https://w...
by CRC301
Tue Mar 31, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Deduction; Bought & Sold Homes in same year
Replies: 2
Views: 181

Property Tax Deduction; Bought & Sold Homes in same year

I'm trying to clarify what we can claim as a deduction for our property taxes last year (2019). We bought a primary home and sold our previous primary home last year. Both homes are located in Ohio but in different counties. In Ohio property taxes are paid in arrears . Each county can decide to use ...
by CRC301
Tue Feb 11, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax and 1099R question
Replies: 4
Views: 511

Re: Turbotax and 1099R question

Edit: above post beat me to it. :) Which version of TurboTax did you purchase? I can check tomorrow but there's a prompt towards the beginning that asks whether you want to be guided through all sub-sections or pick which ones to dive into. I always choose the pick your sub-sections option and there...
by CRC301
Mon Feb 10, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot access credit reports - Equifax and TransUnion
Replies: 12
Views: 1054

Re: Cannot access credit reports - Equifax and TransUnion

Do you have a relative with a similar name? My dad and I have a similar name and our credit reports have always had some of each other's info on them. If so, some of the answers to the questions may be from the relatives perspective.
by CRC301
Thu Feb 06, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Physician assistant salary?
Replies: 39
Views: 7528

Re: Physician assistant salary?

Like others have said, compensation can be all over the place for medical providers depending on location, specialty, hospital, private practice, job market, etc. I would think that the compensation would be at least partially linked to the revenue and costs the provider generates (so specialties th...
by CRC301
Tue Jan 28, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Screen sharing program
Replies: 11
Views: 1227

Re: Screen sharing program

Millennial wrote:
Tue Jan 28, 2020 12:41 pm
Google's chrome remote desktop will work great, is very portable, and is totally free.
I second this. It's dead simple and all you both need is Google chrome web browser and the remote desktop extension for it.
by CRC301
Tue Jan 28, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: How to send form with personal info securely?
Replies: 13
Views: 972

Re: How to send form with personal info securely?

rkhusky wrote:
Tue Jan 28, 2020 8:16 pm
Fax or encrypted pdf. Use a passcode that they should know like SSN or their fax number.
Similar to this but just scan the form and put it into an encrypted zip file with a passphrase of your choosing. Share the passphrase with them via phone or text.
by CRC301
Tue Dec 31, 2019 5:44 pm
Forum: Personal Investments
Topic: Vanguard Rollover IRA Backdoor Roth IRA
Replies: 7
Views: 598

Re: Vanguard Rollover IRA Backdoor Roth IRA

Just an update. I was able to successfully get the IRA rolled over into the 401K and then complete the backdoor roth contribution all before the end of the year. Thanks!
by CRC301
Tue Dec 24, 2019 9:34 pm
Forum: Personal Investments
Topic: John Hancock 401K investment choices?
Replies: 35
Views: 992

Re: John Hancock 401K investment choices?

We have John Hancock and they are not actual mutual funds. I don't care for the offerings. However we do offer a Schwab S&P 500 for 0.04%. I selected that for the stock allocation and it is working well. But are charging you another 1% or more for their hidden "annuity wrap fee"? I would have to ch...
by CRC301
Tue Dec 24, 2019 9:31 pm
Forum: Personal Investments
Topic: John Hancock 401K investment choices?
Replies: 35
Views: 992

Re: John Hancock 401K investment choices?

Wife has a John Hancock 401K. I'm not a fan at all. As others have said, the options of "funds" inside of this account will vary from employer to employer. Also like others have said, the fund might offer options that say they are "Vanguard" funds but they are not a one-to-one mapping to that fund. ...
by CRC301
Tue Dec 24, 2019 8:52 pm
Forum: Personal Investments
Topic: Vanguard Rollover IRA Backdoor Roth IRA
Replies: 7
Views: 598

Re: Vanguard Rollover IRA Backdoor Roth IRA

Ok the money is no longer showing up in her Vanguard IRA so that is one hurdle crossed. But it hasn't shown up in her 401K yet. If I'm hearing you all correctly, since it's being rolled into a qualified retirement plan (401K) that is enough to be able to put $0 on line 6 of form 8606. That is great ...
by CRC301
Tue Dec 24, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion Missing From AnnualCreditReport.com
Replies: 6
Views: 533

Re: TransUnion Missing From AnnualCreditReport.com

OK I think it had something to do with my browser cache. I visited the site on my phone and it showed all three of them. It wasn't until I cleared my browser cache that it went back to showing all three on my PC. Don't know what that was about but oh well it works now! Thanks.
by CRC301
Tue Dec 24, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: TransUnion Missing From AnnualCreditReport.com
Replies: 6
Views: 533

TransUnion Missing From AnnualCreditReport.com

I'm trying to order my free annual credit report from TransUnion via www.annualcreditreport.com but TransUnion is completely missing from the website now? Has anyone else noticed this? Experian shows up twice and Equifax once when its time to choose which report to order. I've left a comment on the ...
by CRC301
Tue Dec 10, 2019 11:06 pm
Forum: Personal Investments
Topic: Vanguard Rollover IRA Backdoor Roth IRA
Replies: 7
Views: 598

Vanguard Rollover IRA Backdoor Roth IRA

My wife has a "Rollover IRA" account at Vanguard that we are rolling into her current 401K plan (See another post for a short digression on that{https://www.bogleheads.org/forum/viewtopic.php?f=1&t=297225}). We are doing this in order to perform backdoor Roth contributions without tax-deferred IRA m...
by CRC301
Tue Dec 10, 2019 11:06 pm
Forum: Personal Investments
Topic: Taxable Contributions in lieu of Backdoor Roth (Calculator)
Replies: 0
Views: 251

Taxable Contributions in lieu of Backdoor Roth (Calculator)

I've posted about this before in 2017 (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=211099) but after doing all the calculations that year I realized that we weren't actually going to get hit by the Roth income limits because I didn't take into account the amounts of money we were contributi...
by CRC301
Tue May 14, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Water Damaged Subfloor - costs?
Replies: 11
Views: 1179

Re: Water Damaged Subfloor - costs?

Seems like it could be really easy or really hard/expensive. The interior of the rim joist and all of the floor joists are visible from the basement and they did not show any signs of rot; it was very localized to the OSB subfloor. I do remember looking at the door sill plate and area around it from...
by CRC301
Tue May 14, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Water Damaged Subfloor - costs?
Replies: 11
Views: 1179

Water Damaged Subfloor - costs?

My wife and I are in contract to purchase a home (not a new home). The inspection revealed a few things and the seller has agreed to fix all but one thing we requested. The one thing they are not going to fix/address is a small area of wood rot in the OSB sub-floor directly under the front door. Acc...
by CRC301
Sun Apr 21, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: How to get USAA insurance?
Replies: 20
Views: 2850

Re: How to get USAA insurance?

The easiest way to become a USAA member is to have served in the military (or be currently serving); these folks can gain membership just by proving military status. For anyone else, you must have a spouse or parent that is is already a USAA member to give you membership eligibility. At that point I...
by CRC301
Sat Jan 05, 2019 5:27 am
Forum: Personal Consumer Issues
Topic: Mini Portable Cool-Mist Humidifier
Replies: 5
Views: 409

Re: Mini Portable Cool-Mist Humidifier

I have never tried these but have always thought they were a neat idea for an on-the-go or small humidification solution: https://www.target.com/p/homedics-water-bottle-humidifier/-/A-52336800 or https://www.amazon.com/Travel-Ultrasonic-Humidifier-Portable-Solution/dp/B01D0POS7W or https://www.amazo...
by CRC301
Sat Dec 22, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?
Replies: 5
Views: 309

Re: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?

I've never thought of this before because we've always itemized and I've always just let tax software handle it, but this year we may use the standard deduction... Are medical/dental/vision insurance premiums removed from my paycheck/paystub still tax deductible when you use the standard deduction ...
by CRC301
Sat Dec 22, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?
Replies: 5
Views: 309

Paycheck Insurance Deductions Tax Deductible with Std. Deduction?

I've never thought of this before because we've always itemized and I've always just let tax software handle it, but this year we may use the standard deduction... Are medical/dental/vision insurance premiums removed from my paycheck/paystub still tax deductible when you use the standard deduction a...
by CRC301
Sat Nov 03, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 36
Views: 3715

Re: high deductible vs. PPO calculation--high deductible always wins?

... The way to avoid that is to bundle up minor health issues, and save them for your annual physical if you can -- that way, they should be free. ... ^^^^ Most of the providers I know aren't a big fan of this. If you do want to do this let them know ahead of time so they can allot more time for th...
by CRC301
Wed Oct 03, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Re: Getting a will and trust setup (Ohio)

If it has some rules on how the funds are disbursed for care of your child, it's not worth $5,000. If it didn't have such rules it would probably be worth it. No one knows what the future will bring. Confused on this statement. So if it has rules on how funds are disbursed for the care of our child...
by CRC301
Wed Oct 03, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Re: Getting a will and trust setup (Ohio)

From reading and talking to attorney it sounds like we want a simple revocable trust with a will that has a pour-over (to trust) clause and instructions on guardianship of our child. The trust will have some rules on how to the funds are dispersed for care of our child. Seems like most packages come...
by CRC301
Wed Oct 03, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Re: Getting a will and trust setup (Ohio)

Life insurance counts as cash in the estate planning context. How much insurance do you each have? $500K for me and $500K for wife. Given your age and assets, most likely anything beyond Wills, beneficiary designations for your life insurance and retirement benefits, powers of attorney, living Will...
by CRC301
Wed Oct 03, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Re: Getting a will and trust setup (Ohio)

RickBoglehead wrote:
Wed Oct 03, 2018 9:59 am
A will should be a few hundred. A trust would be $2 - $2,500. Probably unnecessary at this point.

Your first meeting should be a free consultation lasting about 30 minutes.
Yep, this first meeting is free. What is the threshold of requiring a will and trust vs just a will?
by CRC301
Wed Oct 03, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Re: Getting a will and trust setup (Ohio)

Do either of you receive will-preparation services through your employer? I'm about to start a new job and their benefits package lists free (or maybe discounted) will preparation services for employees. My employer has a group legal option but I didn't elect it for this year. Need the will this ye...
by CRC301
Wed Oct 03, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1311

Getting a will and trust setup (Ohio)

Good morning! My wife and I are meeting with a family attorney tonight about a will and maybe a trust. We love in Ohio. We are in our early thirties and have a little one on the way (our first). We also have pets we want cared for. Our net worth is between $500k and $1M. We both have life insurance ...
by CRC301
Thu Sep 20, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 779

Re: Android podcast app that remembers where you are in podcast?

I use Castbox. It has
  • resuming where left off
  • 10s backwards
  • 30s forward
  • Playlists
  • Automatic download and addition to playlist
I've been really happy with it so far.
by CRC301
Wed Aug 15, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7803

Re: Men’s Underwear recommendation

Another vote for Saxx. However I like 2undr even more! They are expensive but for me it's worth it. There are many brands out now that implement a "3d pouch" so I'm sure there are more affordable options now but the materials and designs used in the higher end options are really nice.
by CRC301
Sun Jul 22, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Weekly reading to increase knowledge on business / tech
Replies: 12
Views: 1384

Re: Weekly reading to increase knowledge on business / tech

ArsTechnica is a great tech site. I read a ton of tech sites and their articles are really well written.
by CRC301
Wed Jul 18, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2647

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help. Yesterday I found an old-school HVAC repair guy who was magically able to fix my old system, at least temporarily. He agrees that it is on its last legs, but it should get me through this summer season and into the fall. He recommended replacing the unit with another co...
by CRC301
Wed Jul 18, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2647

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help. Yesterday I found an old-school HVAC repair guy who was magically able to fix my old system, at least temporarily. He agrees that it is on its last legs, but it should get me through this summer season and into the fall. He recommended replacing the unit with another co...
by CRC301
Tue Jul 17, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2647

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd fl...
by CRC301
Sat Jul 07, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 6106

Re: Every Other Friday Off

I work at a megacorp that does 9/80 and I love it (it's all I've ever known really though). My direct manager is the person that approves my time (I'm salaried but enter all hours worked into the time-keeping system). At the specific location that I work at (smaller site), most of the managers are O...
by CRC301
Sun Jun 10, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Company Group vs Individual Long Term Disability Insurance
Replies: 1
Views: 518

Company Group vs Individual Long Term Disability Insurance

I'm trying to figure out if my wife and I's employer group LTD insurance is sufficient or if we should buy our own policy. Here are some specifics to our current policies: My employer offered LTD policy: Basic is offered complimentary (50% of base salary) Option to purchase an additional 10% (for a ...
by CRC301
Thu Jun 07, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on finding & buying a HDHP (high deductible health plan)
Replies: 2
Views: 310

Re: Advice on finding & buying a HDHP (high deductible health plan)

Start with healthcare.gov. I'm sure there are other options but that site should be a good starting point.
by CRC301
Thu Jun 07, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with formula for calculating future expense
Replies: 4
Views: 454

Re: Help needed with formula for calculating future expense

You could treat inflation as compound interest (like on a CD/Bond). Here is a site that shows how to use it:

https://exceljet.net/formula/calculate- ... d-interest
by CRC301
Tue Jun 05, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2585

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

A good HVAC tech will be able to diagnose this problem for you (the good ones know how to calculate heat transfer in a room and can figure if the HVAC system is setup properly). Sounds like your landlord isn't going to help. You could threaten to find another place and then they'll be out rent (how ...
by CRC301
Tue Jun 05, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9112

Re: What is your Take Home Pay / Gross Pay ratio?

56.5% That's for wife and I's income. Things deducted out of pay-check: Taxes (Fed, State, Local, SS, Medicare), each max our 401K, max HSA, medical, dental, vision, and long-term disability. We normally owe taxes at filing time; started using IRS W-4 tool last year and owed < $1k but in years past ...
by CRC301
Mon Jun 04, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2585

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

Do you have cold winters? Is it the coldest room in house in the winter? You might need more vents in a room like that (more affected by heat transfer due to floor being over unconditioned garage space). HVAC people should be able to diagnose that. I don't think little holes would increase heat tran...
by CRC301
Fri Jun 01, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax shelter- what am I missing?
Replies: 6
Views: 842

Re: Tax shelter- what am I missing?

You make too much money to contribute to a traditional IRA (this is a good problem to have). You both have 401K's so you can each contribute the max to your accounts. The max 401k contribution amount is $18,500 for 2018; this does not include the amount your employer contributes btw. So you could co...
by CRC301
Fri Jun 01, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 501c3 Basics - Maximizing charitable contributions
Replies: 5
Views: 338

Re: 5013c Basics - Maximizing charitable contributions

What are you are trying to do is easily done via a Donor Advised Fund (DAF) as the above person mentioned. DAF seems way simpler than establishing a trust. I'm not a tax expert so depending on how much you are planning on funding the trust/DAF with, perhaps the trust may be a better avenue. DAF is d...
by CRC301
Fri Jun 01, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: painting vinyl window trim
Replies: 2
Views: 587

Re: painting vinyl window trim

Bob Vila to the rescue!

https://www.bobvila.com/articles/how-to ... yl-siding/

A couple major points:
  • Use acrylic/resin based paints
  • Use a color the same shade or lighter than the original
  • Clean the surface well before applying paint
by CRC301
Thu May 31, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help Responding to $16K proposed tax in CP2000 letter
Replies: 2
Views: 586

Re: Help Responding to $16K proposed tax in CP2000 letter

I had to deal with this last year and user Katietsu was very helpful. Here is the post I started for my ordeal: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228038 I ended up writing a letter explaining the mistake(s) I had made and then included an amended return. Everything worked out fine...
by CRC301
Wed May 30, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Family Summer Beach / Lake House Destinations
Replies: 16
Views: 1919

Re: Family Summer Beach / Lake House Destinations

I'll second Rehobeth Beach and/or Fenwick Island. My family has a similar tradition of getting everyone together every so many years at the beach. RB is nice town that has a little bit of everything you would want.
by CRC301
Wed May 30, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 2151

Re: Need some advice in regards to A/C System

Get a second opinion. Also, get a mold test done (they sell DIY ones) and see if it his nose can really smell mold!
by CRC301
Mon May 28, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: setting aside money when moving to a HDHP plan/HSA
Replies: 2
Views: 422

Re: setting aside money when moving to a HDHP plan/HSA

Do you have details on the HDHP you are moving to? Like deductible, out-of-pocket max, etc.? For a family, the deductible will be at least $2,700 and the out-of-max will be no more than $13,300 but specific plans may have a higher deductible and/or lower out-of-pocket max. Further, some plans normal...
by CRC301
Fri May 25, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 9
Views: 1036

Re: Air Conditioner Questions: Stop Leak & Qualified Technician

Stop leak is not a silver bullet fix (even temporarily). Depending on the magnitude of the leak(s) it may work for 1 year or it may work for a week. Since you're only down 2 lbs and this is the first time detecting, I would bet you probably have a slow leak so I would also bet it would cover you for...
by CRC301
Tue May 22, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife - HDHP
Replies: 9
Views: 1461

Re: Pregnant wife - HDHP

Hello All, Wife and I recently found out we are pregnant (super excited and nervous) and I have a question regarding health insurance/billing. My wife's deducible is $3,000, 80/20 coinsurance with an OOP of $4,500. So far, we have paid $950~ towards the deducible this year. The baby is due towards ...