Search found 67 matches

by artibug
Wed Jun 06, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1349

Re: storing backpack in Seattle

I am not the OP. But want to follow up on the storing luggage in hotels that you don't stay in. When the bellhop asks you which room do you stay, do you 1. i am checking in later/checking out now 2. tell the truth and tip the guy generously?
by artibug
Wed Jun 06, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 15
Views: 1288

Re: Boston trip with small kids

Thomas Land in Edaville is fun for younger kids. The rides are designed for little ones, less than 7/8 year olds. The whole park is bigger with the Thomas Land tugged in the back of the park. Its worth the trip if your kids love Thomas the train. Make sure you stop by the cranberry museum. Its getti...
by artibug
Fri May 25, 2018 2:55 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5884

Re: Alexa Echo sent family's audio file to a contact

One of our kids’ friend’s dad works for amazon. Apparently his job is to listen to all the “error comments” Alexa cannot perform. The mom was giving detailed descriptions of those “error comments or conversations” and laughing about it. Ugh. No thanks. I don’t want some creepy IT guys listening on e...
by artibug
Tue Mar 20, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Did not file tax for trust for 2016
Replies: 4
Views: 307

Re: Did not file tax for trust for 2016

Thank you for the replies and attached articles. It does look like they did not have to file tax for personal or for the trust since they made $0 dollars for 2016! This is a relief for me :happy
by artibug
Tue Mar 20, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Did not file tax for trust for 2016
Replies: 4
Views: 307

Did not file tax for trust for 2016

My parents have an irrevocable trust which did not generate any income for 2016. I think there may be lost in translation when they asked their accountant last year if they needed to file tax or not. The accountant emailed them back and stated that if there were no income, they didn't have to file t...
by artibug
Wed Feb 28, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: backdoor Roth blunder
Replies: 8
Views: 839

Re: backdoor Roth blunter

Thanks for your speedy replies. So it sounds like I can make that conversion from SEP to Roth myself. Money in tIRA is post tax as our income exceeds the limits hence the backdoor Roth. I will study the form 8606 as well! Never know when the opportunity arises to learn more...and in my case, most fr...
by artibug
Wed Feb 28, 2018 6:10 am
Forum: Investing - Help with Personal Investments
Topic: backdoor Roth blunder
Replies: 8
Views: 839

backdoor Roth blunder

Please I need some help in untangle my 2018 backdoor Roth mistake. I was trying to convert tIRA to Roth IRA in early January . I was not careful enough and erroneously convert tIRA to preexisting SEP IRA account (which had zero balance for many years). I just discovered this mistake and want to know...
by artibug
Fri Feb 23, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43551

Re: What frugal thing did you do today?

Our cabinet depth Viking fridge no longer defrost itself. So now I use a hairdryer to melt the ice forms/blocks the air duct from the freezer to the fridge every 6 months or so. I am not buying a new fridge (only 3 companies makes the size we have, Viking, subzero and something else I forgot because...
by artibug
Fri Feb 16, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax doubts for retirement and moving to the US from Brazil
Replies: 28
Views: 2073

Re: Tax doubts for retirement and moving to the US from Brazil

Second on the exploring Canada immigration. Its based on a point system and supposedly easier than US for immigration approval. Canada has excellent school system and higher education is much cheaper for their citizens, much more so than US public universities. And If your children incline to work i...
by artibug
Fri Feb 16, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 2943

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

Take the T, Uber/Lyft around Boston. Its a pain and not to mention expensive to park in Boston. The metermaids are quick at issuing tickets and tows. And the street cleaning signs can be hard to see/find esp in the Back Bay and Beacon Hill area. Its not fun to try to get the car out of the city towi...
by artibug
Wed Dec 13, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: For limited time add members for free on AAA
Replies: 4
Views: 715

For limited time add members for free on AAA

I was renewing our AAA household account today and noticed that they are running a special. You now can add members to your account for free for a limited time (not sure when the special ends). And it doesn’t look like there is a limited to how many people you can add. It cost me $65 to have six of ...
by artibug
Fri Nov 17, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to file form 5500EZ for 2016 year
Replies: 21
Views: 1779

Re: Forgot to file form 5500EZ for 2016 year

I was in the same boat last year. I sent in the $500 check and a letter explaining why I didn’t file in time(I wasn’t aware of this until I learned it on this forum). They refund the $500 back to me later in the year with a letter telling me not to forget it in the future. YMMV. good luck!
by artibug
Sun Nov 12, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in work company preferred stock or total market fund
Replies: 1
Views: 255

Invest in work company preferred stock or total market fund

Hi, DH just told me that his company (small medical professional/service company) is allowing the employees to purchase preferred stocks from the company (very first time and limited offer, in fact, we have to come out the money before the year ends if we want in, which I don’t understand the rush)....
by artibug
Tue Oct 10, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 658

Re: Schwab money market fund for my mom? How safe?

I don’t want to keep tract another account for her and also if my say sibling gets a wind of me moving her money around, she will give us both a very hard time. It’s just silly, I know. (I have Ally for our personal savings. And 1.15% is really a good deal :beer ) I didn’t think about the CD. That’s...
by artibug
Tue Oct 10, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 658

Schwab money market fund for my mom? How safe?

I help to maintain my mom’s finance, which is a sore point with one of my siblings. My mom just turned 70 and has a monthly rental income of $1600. With her living with us, she doesn’t use much money besides buying presents for the grandkids and her personal care items. She now has approx 20k in her...
by artibug
Fri Sep 29, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 20372

Re: My boneheaded financial mistakes

thought I was being so good: for several years, at the start of every year, I cranked up my percent contribution into my 401k to such a high percentage that my 401k was maxed out by September. So then I would dial the 401k inputs down to 0 and put any later savings into taxable. Isn’t that what the...
by artibug
Fri Sep 15, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 3221

Re: Is True-identity lock enough or credit freeze is better

Your replies are exactly what I am looking for. Thanks again! Yep. $5 is not too expensive to protect our identities knowing that all personal info prob already are out on the dark net for the bad guys to view at this point.
by artibug
Thu Sep 14, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 3221

Is True-identity lock enough or credit freeze is better

Per Equifax site, we are part of the data breach. So now I am putting freeze on each of the 3 credit bureaus and innovus as well. When I was on the Transunion site, it offered free credit lock with TrueIdenity. I researched/googled it and it seems legit and got good customer reviews. And even with t...
by artibug
Mon Sep 11, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 5353

Electric car in evacuation situation

After watching a lot of CNN this weekend for Hurricane Irma and mass evacuation in FL, I start to wonder if electric cars (I.e. The new Nissan Leaf 2018) would be a better choice to get stuck in stop and go traffic for hours in this kind of situation/traffic pattern (if you only have 1 full tank of ...
by artibug
Sun May 14, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 5224

Re: Switxh from iPhone to Google Fi and Pixel?

Not replying regarding the phone but the cell phone provider. We had been with Verizon for over 10 years because it has the best coverage in the area we live. We finally switched to one of those prepaid phone service-Boom.us. Verizon coverage and mine is $25.99 for 1G and DH has $34.99 for 2G with t...
by artibug
Sun Apr 16, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Is this something the accountant should have told me? Form 5500
Replies: 5
Views: 1440

Re: Is this something the accountant should have told me? Form 5500

:oops: I do blame myself! Although I did tell the accountant what was the balance in that solo 401k.

Ok. After the pointing finger is pointing back at myself. I think I should just eat that $500 penalty before fine gets out of hand.

This is why I love asking you guys questions. Tough love!
by artibug
Sat Apr 15, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is this something the accountant should have told me? Form 5500
Replies: 5
Views: 1440

Is this something the accountant should have told me? Form 5500

I have done several IRA roll over to solo 401K 2015 to take advantage of the backdoor Roth IRA and that pushed my solo 401k balance over $250k. I told my accountant when we filed 2015 tax that's what I did. And that was the end of the conversation. While reading this forum, I learned that IRS requir...
by artibug
Fri Apr 07, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6942

Re: How many financial secrets?

"You can lead the horse to water but cannot force the horse to drink". That sums up my DH attitude toward money. We are from very different financial backgrounds. He had a very comfortable childhood to young adulthood. I do believe if it weren't for the fact that we are married with 2 kids and have ...
by artibug
Thu Apr 06, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 8126

Re: Secretly entered two comma club

I totally get the secrecy. I unfortunately do the same with my husband. His family esp the parents in law love to tell us "you can afford it. Spend it". So trips to WDW mendate stay at 4 season or on the monorails. Broadway shows demands best seats in the house. And I am the one who does the heavy l...
by artibug
Thu Mar 09, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Liability of being a trustee for rental property in a trust
Replies: 3
Views: 429

Liability of being a trustee for rental property in a trust

I am the trustee for my parents' trust which holds a rental property. Since my parents split their time here in US and oversea, I help them dealing with the rental property. I work in medicine and have a relatively high risk being sued as well as high income. I personally have 1 million umbrella ins...
by artibug
Tue Jan 10, 2017 8:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23613

Re: Sad News About a Respected Forum Member

Thank you, Lee. We appreciate your sage wisdom. Will miss you.

God bless.
by artibug
Fri Dec 23, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 9509

Re: Reliable washer/dryer brands

I got off easy this time repairing the dryer. Almost as good as new. I cringe at the thoughts of shopping for a new set of washer and dryer. Thanks for all the responses. I know I can always count on you fellow BH for honest opinions and recommendations :) Happy Holidays! Hope to see peace on earth ...
by artibug
Thu Dec 22, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 9509

Reliable washer/dryer brands

It seems like people on this site agree with consumer reports that LG and Samsung are 2 good brands for washer and dryer. However, several repair guys I have spoken with all adamantly recommending against them, saying that they repair more LG/Samsung compared to others. The brands the most recent re...
by artibug
Thu Sep 29, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5781

Re: Remodel blunter: kitchen design flaw. What can I do now?

Our fault for trusting the designer thinking that they know more and better. I tried to contact the designer/installer subcontractor. But I think they are blocking my numbers out at this point and not answering my email. Not sure it's worth the money, time or energy to trace them down for probably u...
by artibug
Wed Sep 28, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5781

Re: Remodel blunter: kitchen design flaw. What can I do now?

I think I will bounce off the idea of lifting up the sink and/or approaching from the dish washing side with other plumbers. Maybe I will get lucky. Keep my fingers crossed. Thanks a million for those out of box possible solutions!
by artibug
Wed Sep 28, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5781

Re: Remodel blunter: kitchen design flaw. What can I do now?

Image



Image


I figured it out! Thanks again for all your suggestions. The first plumber said that we cannot open up more space bc he worry that there won't be enough support for the counter top.
by artibug
Wed Sep 28, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5781

Re: Remodel blunter: kitchen design flaw. What can I do now?

Can someone coach me how to post photos on this forum? I will post couple photos once I figure out how. We kept the old drop in sink. And the sink sits in the corner of the kitchen counter space. On one side is a dish washer and other side, cabinets with drawers. We did call in a 2nd plumber. He was...
by artibug
Wed Sep 28, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5781

Remodel blunder: kitchen design flaw. What can I do now?

I helped my mom renovated her small rental unit kitchen with IKEA cabinets. We used the subcontractor company that IKEA contracted for both design and installation of the kitchen cabinets and counter tops. When the time came to hook up the water supply to the kitchen sink, the plumber told us that t...
by artibug
Mon Jun 06, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1477

Re: DIY project or need landscaper help

Thanks for the replies! I will check in with Home Depot and see what I can do. I am not super handy but to save 1k, I will be handy enough!! :mrgreen:
by artibug
Mon Jun 06, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1477

DIY project or need landscaper help

I work from home as an independent contractor. I don't get paid if I am not productive. So I need a reliable internet service with a back up. My town runs its own electric service and recently rolled out fiber optic service. The good is that since they only have to deal with the people living in the...
by artibug
Wed Apr 20, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: "Confirmation That Costs Do Matter"
Replies: 1
Views: 562

Re: "Confirmation That Costs Do Matter"

Thank you for that reminder! I am trying to get my sisters on board with the Bogleheads investment philosophy. So far neither one budge yet. But I will forward this article to them and hope something sticks (one of these times, I hope!)

Best.
by artibug
Fri Apr 08, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Outdoor movie set up with iPad as video source
Replies: 11
Views: 1797

Re: Outdoor movie set up with iPad as video source

Ok. iPhone/iPad and pico projectors are out. If I want to connect it thru a lap top what projector will you recommend. How would you connect the lap top to speaker? sorry to ask such rudimentary question. I am terrible with all these set ups
by artibug
Thu Apr 07, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Outdoor movie set up with iPad as video source
Replies: 11
Views: 1797

Outdoor movie set up with iPad as video source

I want to host a summer outdoor movie nights for our 8 year old birthday party. I am hoping to use the iPad as the video/audio source connecting to a projector and some stereo equipments. Since this is mostly for young kids, we want to have a projector with enough illumination so we can start the mo...
by artibug
Mon Feb 08, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Confused doctor's portfolio
Replies: 18
Views: 3958

Re: Confused doctor's portfolio

?? How can you contribute to both SEP IRA and solo 401k annually exceeding total $53k a year???
by artibug
Mon Jan 25, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1116

Re: Help me to clarify solo401k vs SEP IRA

Sorry to dig this thread up again. But I just want to find out if I made a mistake to convert all my IRAs into solo 401k Earlier this year. I did that so now I can do the annual $5500 back door ROTH IRA. How will I convert the money in 401k into ROTH during my retirement years? And yes. I believe I ...
by artibug
Fri Jan 22, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1116

Re: Help me to clarify solo401k vs SEP IRA

Good point regarding the high tax issue. Good thing that it's still early in the year for me to figure this thing out. Time to study more... Thank you for the link. It looks like I really need to study on this. Such tricky rules :annoyed
by artibug
Thu Jan 21, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1116

Re: Help me to clarify solo401k vs SEP IRA

DSInvestor, thank you for your reply. I work as an IC and solo 401k is my only 401k. I am hoping to contribute 53k to SEP then convert the whole thing to ROTH IRA, if I can do it.
by artibug
Thu Jan 21, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to clarify solo401k vs SEP IRA
Replies: 10
Views: 1116

Help me to clarify solo401k vs SEP IRA

I had SEP IRA with vanguard for many years before I stumbled into this forum. After learning much from all you guys, I opened up a solo 401k for 2015 at ETRADE to roll over all my tIRA, roll over IRA and SEP IRA into the solo 401k to clear room for me to do the back door ROTH. With the new (tax) yea...
by artibug
Mon Jan 04, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the future: In case I am gone
Replies: 12
Views: 1690

Re: Planning for the future: In case I am gone

Should I have him get Vanguard FP to help him out? I am assuming that they can take over the control and guide him from there? He won't be able to find and hire a trust worthy CFP himself since he won't know enough to know if the person is really going to help him or making a hard sell on something ...
by artibug
Mon Jan 04, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the future: In case I am gone
Replies: 12
Views: 1690

Planning for the future: In case I am gone

Happy New Year, everyone! :beer I know it's morbid to think about one's mortality. But I figure it's better to have a financial plan than no plan! My husband and I are both 42 with 2 young kids: 8 and 2. My income is about 2-2.5x than my husband's. He works for the VA, extremely stable job. Husband ...
by artibug
Thu Dec 31, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 34
Views: 7029

Re: Ooma Phone Service - I Do NOT Recommend

I second Obihai and google voice. I have used that combo for home "landline" for 2 years. No issue. Plus you can add 911 service to it so you can call 911 in emergency unlike cellphone call to 911 may not connect you to your local emergency dispatcher. There is no "true landline" in many places anym...
by artibug
Fri Dec 25, 2015 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 6945

Re: My Christmas Gift to You

Truly a priceless gift to us all. Thank you! And peace on earth!
by artibug
Thu Oct 22, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: What is my yard work solution?
Replies: 40
Views: 4052

Re: What is my yard work solution?

I wouldn't recommend plow for your drive way. We have crushed stones driveway, shorter than yours, though, and the plow kicked up all the tiny stones onto the lawn flanking the driveway. When the snow melted, we had to remove those rocks off the lawn by hand. Elevate the snowblower feet to the highe...
by artibug
Wed Oct 21, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Independent contractor or employee status
Replies: 16
Views: 1463

Re: Independent contractor or employee status

Everything else including pay will probably not much changed. The other fringe benefits eventually come out of our pay. Sounds like the only major thing is the health care coverage, which I have. I think I am going to remain as an IC for now. Thanks for confirming my thought process and be my soundi...
by artibug
Wed Oct 21, 2015 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Independent contractor or employee status
Replies: 16
Views: 1463

Independent contractor or employee status

I am currently working as an independent contractor and have the ability to change my status to employee, if I like. But I just want to pick all the BH brains to see if it makes sense for me to stay status quote or change to employee status. With all your help and advice (thank you again!!!), I conv...