Search found 557 matches

by verbose
Tue Oct 09, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2953

Re: Dayton, Ohio -- Worth Visiting?

I grew up in Cincinnati and lived in Dayton for 10 years. We were so happy to leave Dayton. We returned a few years ago to see some old friends, and Dayton had only become shabbier. IMO, the Air Force museum is the only attraction worth seeing in Dayton. Downtown Dayton is just nothing. I don’t reme...
by verbose
Fri Aug 03, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Where to keep emergency info
Replies: 3
Views: 304

Where to keep emergency info

I am middle-aged, married, two minor kids. None of our extended family lives nearby. I’m considering the situation where something happens to me and my husband: death or incapacitating injury. We have wills that properly handle the situation. But how does my extended family figure out how to keep ou...
by verbose
Thu Jul 26, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Heresy: is using a SP500 index still a valid strategy ?
Replies: 28
Views: 4727

Re: Heresy: is using a SP500 index still a valid strategy ?

I use the 500 index in my 401k because it’s the only low-cost US equity index offered.

I balance it with Vanguard Extended Market Index in my IRA.
by verbose
Fri Jul 06, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1444

Re: Removing dead poison ivy

Roundup (the regular stuff) works poorly on poison ivy and other nuisance vines. There is a Roundup-branded poison ivy spray (it’s a different formula) and several other “vine and woody plant killers.” Use those on poison ivy.
by verbose
Fri Jun 29, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Install different carpet styles/colors in same floor bedrooms?
Replies: 19
Views: 1167

Re: Install different carpet styles/colors in same floor bedrooms?

I have different carpets in different, adjacent rooms and one room (not adjacent to other carpet) even has patterned carpet. I love it. I don’t care what anyone else thinks. And it matches each room that is painted a different color. Nobody has yet visited my house and told me they don’t like it. (W...
by verbose
Wed Jun 27, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7823

Re: Are we just way over complicating this?

Yes, we overcomplicate it, mostly for fun.

Except for taxes.
by verbose
Wed Jun 20, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3587

Re: Is technology the reason for low inflation?

As I read through all the “do you remembers” I was hoping my that some would be before my time since I don’t consider myself that old. But none were. I remember all of it. My kids have no idea. Feeling old now...
by verbose
Sun Jun 17, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares (VBIAX)
Replies: 22
Views: 2578

Re: Vanguard Balanced Index Fund Admiral Shares (VBIAX)

I hold VBIAX in an UTMA for my child. Child does not have enough assets for a three-fund portfolio, does not have retirement accounts for the bonds, and has zero tax liability as long as I capital-gain harvest to keep future kiddie tax at bay. So, VBIAX can be an appropriate investment in taxable. I...
by verbose
Sat Jun 16, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 3291

Re: Vanguard email about transition fund accounts to new brokerage platform

I haven’t received any such email yet. But my spouse now works for a brokerage and we are only allowed to keep accounts on the old platform. I hope they allow people like us to continue to keep the old accounts.
by verbose
Wed May 30, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Treasurer Software Recommendation?
Replies: 17
Views: 1102

Re: HOA Treasurer Software Recommendation?

I’ve been treasurer for a non-profit chorus and a Cub Scout pack. I used MoneyDance. It’s not free, but I think it’s less than $100 and works on Mac or Windows. I happen to already have it for my personal use. It doesn’t offer much more than Excel, but it’s designed for financial accounts, so I don’...
by verbose
Mon May 07, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Getting started with HSA
Replies: 1
Views: 287

Getting started with HSA

We are new to HSA, with HDHP finally available through employers. I have HDHP Family coverage (self and children) through my employer. I have a family HSA. This started January 1. My employer does not allow me to cover my spouse unless he cannot obtain his own employer coverage. My husband’s previou...
by verbose
Mon May 07, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Child and Dependent Credit vs Flex Savings Deduction
Replies: 6
Views: 443

Re: Child and Dependent Credit vs Flex Savings Deduction

As our child care expenses decreased, we stopped using dependent care flex plans due to: Possibility of child care expenses being much less than anticipated (for example, change of plans for summer, or finding another parent to provide after school care) Difficulty of filing dependent care expenses...
by verbose
Mon May 07, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Child and Dependent Credit vs Flex Savings Deduction
Replies: 6
Views: 443

Re: Child and Dependent Credit vs Flex Savings Deduction

As our child care expenses decreased, we stopped using dependent care flex plans due to: Possibility of child care expenses being much less than anticipated (for example, change of plans for summer, or finding another parent to provide after school care) Difficulty of filing dependent care expenses ...
by verbose
Mon May 07, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1753

Re: Buying house from 1977

We owned a home built in 1976. That was a time period when different materials were being used in construction than before or after. The house had: Aluminum wiring Dual-bus electric service box Asbestos siding ABS waste pipes Several electricians refused to work on the dual-bus system. It was grandf...
by verbose
Sat May 05, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Missouri withholding allowances are worth zero
Replies: 5
Views: 531

Re: Missouri withholding allowances are worth zero

When I was working with irregular income (W2) and significant other income I used to just tell the payroll folks exactly what amount to withhold. I didn't bother with allowances etc. You might see if you can do this. That would be lovely. But I don't think Megacorp is going to go for it. I can only...
by verbose
Sat May 05, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Missouri withholding allowances are worth zero
Replies: 5
Views: 531

Missouri withholding allowances are worth zero

For anyone else getting a paycheck in Missouri: Missouri is having difficulty interpreting how last year's tax changes impact Missouri exemptions. Apparently, the state will not know whether personal and dependent exemptions still exist until the IRS prints a 2018 1040. See the link below for detail...
by verbose
Fri May 04, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"
Replies: 13
Views: 1955

Re: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"

Yes, this. My husband and I have been together since college, so there are things neither of us has ever learned to do as an adult because the other one does it. I took his checkbook away while we were dating when I realized he had no idea how to use it and no interest in learning. He affectionately...
by verbose
Fri May 04, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Shorting - Can Someone Explain
Replies: 32
Views: 2548

Re: Shorting - Can Someone Explain

What I know about shorting is from writing brokerage software. I’ve never done it. You must have a margin account. You might also need a special authorization to do short sales in that margin account. The broker arranges for you to borrow the shares you short, but that’s not free. As long as the sho...
by verbose
Thu Apr 19, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 5088

Re: Another discussion about private vs public schools?

You will get a good feel for where Nugget will do best by the time she’s 3. Your child will arrive with a definite personality that is highly unlikely to be what you expected. Let that guide you. From my point of view, the biggest reason for private school is to be able to get out of a bullying situ...
by verbose
Wed Apr 11, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Against Disability with SAHM?
Replies: 19
Views: 1157

Re: Protecting Against Disability with SAHM?

When I was a SAHM, I injured my back while bathing a toddler. I had no recourse except to have my mother come and stay with us for a month because the child wasn’t walking yet and I could not lift her. It was about a year before the pain settled into “old injury” pain. When we had another child year...
by verbose
Mon Apr 09, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Considering employment with a brokerage—Vanguard accounts??
Replies: 2
Views: 299

Considering employment with a brokerage—Vanguard accounts??

My husband is negotiating an employment offer with a brokerage. I’m concerned about having to move our investments if he becomes employed there. I don’t want to move any of them. We have the following: Taxable: Apple stock on a paper certificate. There is no account. The shares are recorded by Compu...
by verbose
Wed Mar 28, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Travel reservations for work on personal card
Replies: 10
Views: 710

Re: Travel reservations for work on personal card

Thanks. I will approach it from the “float” issue.

This manager is so disorganized that maybe there is another way to do it and he just hasn’t said or doesn’t know (the manager is the #1 reason I don’t want to work here anymore). This is a megacorp and there should be a common sense policy.
by verbose
Wed Mar 28, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Travel reservations for work on personal card
Replies: 10
Views: 710

Travel reservations for work on personal card

My boss signed me up for a conference in June. I’m expected to make air and hotel arrangements on my personal credit card, to be reiumbursed after the trip. I’ve done this before, but this time, I know (and my manager doesn’t) that I’m searching for a new job. It’s a casual search with no current pr...
by verbose
Wed Mar 28, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 5140

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Basic home repairs, such as how to plunge a toilet. As a college junior, I signed up for a university apartment for summer term. I walked in the first day and three college students, all of them young adult women, were in a complete panic because the toilet was clogged. I asked where the plunger was...
by verbose
Thu Mar 22, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 6463

Re: How can I get a passport?

OP asked about a child’s passport, which is different from an adult’s. Children’s passports cannot be processed online and they cannot be renewed (each “renewal” is a new passport for a child). The passport a child is issued when age 16 or over can be renewed as an adult passport. BOTH parents must ...
by verbose
Mon Mar 19, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6271

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Amazon delivery issues are typically local problems—sometimes specific to a post office or even a delivery route. We live in a new subdivision that was formerly farmland. Our postal service is “rural” despite the density of the new development. Any delivery, including Amazon Prime, touched by USPS i...
by verbose
Mon Mar 05, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5824

Re: Should I agree to have my driving monitored in exchange for lower rates?

My husband did this as part of Safeco's Rewind program becuase he had two at-fault accidents on his five-year record. Safeco's version didn't require a phone. Instead there was a device that plugged into the OBD-II port on the car under the dashboard. The items penalized were rapid acceleration, sud...
by verbose
Thu Mar 01, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Updated IRS Withholding Calculator Released
Replies: 32
Views: 3711

Re: 2018 Updated IRS Withholding Calculator Released

You can adjust long term capital gain income for the W4 if you have a good idea of your marginal tax rate and LTCG rate.

The formula is
LTCG for W4 = LTCG * LTCG Rate / Marginal Rate

If your LTCG rate is 15% and marginal rate is 22%, it takes $6086 of LTCG to equal one withholding exemption.
by verbose
Thu Mar 01, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Updated IRS Withholding Calculator Released
Replies: 32
Views: 3711

Re: 2018 Updated IRS Withholding Calculator Released

From the new W4: " Use this worksheet only if you plan to itemize deductions, claim certain adjustments to income, or have a large amount of nonwage income." What constitutes a "large amount of nonwage income?" I suppose any amount (e.g. of interest from a CD) that will result in an income tax obli...
by verbose
Fri Feb 16, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 2350

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

Vanguard did this to my teen’s UTMA. I had never sold anything and before the first sell (years after the first buy), I selected spec ID. The cost basis was all average cost. Well, that’s just wrong. The initial shares were uncovered. I would have had to be paying attention to future sell decisions ...
by verbose
Thu Feb 15, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1577

Re: When can a married person file Single or Head of Household? [temporary absence question]

Here is the text from pub 501: You and your qualifying person are considered to live together even if one or both of you are temporarily absent from your home due to special circumstances such as illness, education, business, vacation, military service, or detention in a juvenile facility. It must ...
by verbose
Mon Feb 12, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Determining Correct Federal Income Tax Liability/Withholding
Replies: 9
Views: 1068

Re: Determining Correct Federal Income Tax Liability/Withholding

The married status and the allowances worksheet (the first page of W4) assumes that only one spouse works and has only one job. If that were the case, then your withholding would be close to your tax liability. You must use the two-earner/two-jobs worksheet on the second page of the W4. For correct ...
by verbose
Fri Feb 09, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 3561

Re: sudden overnight problem with spam email

About fifteen years ago, the email account I used for everything had become so clogged with spam that it was almost unusable. So I set up new email addresses using separate addresses for different functions. I used one for everything official (gave it out to businesses, set up accounts with it, boug...
by verbose
Thu Feb 08, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5141

Re: Who has had a pool?

We bought a house with an existing above-ground pool in 1998 in the midwest. The pool was usable from late May through late August. It was 36k gallons, about 3 feet deep throughout, rounded-rectangle shaped. Most of the existing pool equipment was in missing or in poor condition when we bought the h...
by verbose
Tue Feb 06, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Analysis Paralysis on Replacing Smoke Detectors and Thermostats
Replies: 4
Views: 531

Analysis Paralysis on Replacing Smoke Detectors and Thermostats

I know that analysis paralysis usually refers to investing, but in this case, I am stuck on buying smoke detectors and thermostats. Our home was built 10 years ago and it's time to replace the smoke detectors. There are 7 smoke detectors, hard-wired and interconnected. They are builder-grade and ver...
by verbose
Mon Feb 05, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4794

Re: Dental bill four years after service

OP resolution of this issue: I found out which insurance I had at the time and started researching this bill. But then I received a second bill stating that I only owed $56 for "previous balance" and no mention of the first bill for thousands of dollars. With it being near the holidays, I decided th...
by verbose
Wed Jan 24, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2436

Re: Lost my husband's SSA account

Yes, that's it exactly. I'm dreading trying to explain to him why he has to make the call and why it even matters. While I have no legal qualifications for such an opinion, I doubt it is by the letter of the law and regulations appropriate for you to assume the identity of your husband. I suggest yo...
by verbose
Wed Jan 24, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2436

Lost my husband's SSA account

Years ago, I created an SSA account for my husband (I do all his administrative tasks unless they require a male voice on the phone or his actual presence). Given that we are 20+ years from retirement, I didn't log in very often. Somehow, I managed to save my SSA account credentials in our password ...
by verbose
Tue Jan 23, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Practical usage of 529 for K-12 tuition, what is academic period
Replies: 0
Views: 231

Practical usage of 529 for K-12 tuition, what is academic period

I'm trying to figure out the exact changes I need to make to use my children's 529 accounts for private school tuition. Specifically, this is the Missouri 529 and I am a Missouri resident. The MOST (Missouri 529) site has a statement indicating that Missouri residents can use this feature this year ...
by verbose
Thu Jan 11, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who should claim dependent?
Replies: 5
Views: 534

Re: Who should claim dependent?

According to Publication 501 (section: qualifying child of more than one taxpayer), the IRS has rules for this situation. Based on the facts given in your post and assuming all three of you lived together all year, the parent with the higher AGI can claim the child. While your incomes may be very cl...
by verbose
Sun Jan 07, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Understanding new 529 rules
Replies: 3
Views: 583

Re: Understanding new 529 rules

I’m seeking clarification from my kids’ schools about what is “incurred during the tax year.” Tuition can be paid annually in July, semi-annually in July/December or monthly. I am paying monthly. So, is the amount I will pay in 2018 for 2017-2018 incurred during 2018 or was it incurred in 2017 but I...
by verbose
Wed Jan 03, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of new bill on paycheck?
Replies: 18
Views: 2308

Re: Impact of new bill on paycheck?

I had to file new W4 because the previous ones had been adjusted during 2017 to account for inconsistent income in an attempt to get withholding close to tax due. Those allowances were artificially high. I tried to guess how many allowances we would have under the new system, but since an exemption ...
by verbose
Wed Dec 27, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reported wrong cost basis on 2016 taxes
Replies: 0
Views: 252

Reported wrong cost basis on 2016 taxes

I have just realized that I incorrectly reported cost basis last year when capital-gain harvesting my child's UTMA account, while preparing to tax-gain harvest for this year. I sold uncovered shares and set the cost basis method to specific lots. I believe I identified the lot sold when I sold it, t...
by verbose
Wed Dec 27, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Insurance Question
Replies: 12
Views: 1274

Re: Car Accident Insurance Question

I googled this insurance company and read some of Google's online reviews. The reviews are universally horrible--no matter who wrote them and what interaction they had with the company. There's no link to post--just google Mendota insurance and reviews show up on the side. The reviewers are struggli...
by verbose
Fri Dec 22, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for grade school- help with strategy
Replies: 45
Views: 4753

Re: Using 529 for grade school- help with strategy

We have two kids in private schools now. Tuition for the 10th grader is almost 10k and for the 4th grader it’s 4k. Missouri allows a state tax deduction for 529 contributions up to 16k for married couples. The maximum tax benefit is $960. We have never contributed that much, partly because we are pa...
by verbose
Tue Dec 19, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3639

Re: Hotel $50-500/night Expectations

I don’t know if you can get anything for $50/night that meets any sort of standard besides “has a roof and a door.” About fifteen years ago, we had to stay in a hotel in a suburb of Indianapolis due to an ice storm during our road trip. Getting off the highway at midnight, we only found rooms availa...
by verbose
Wed Dec 06, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25378

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. You may be referring to my post. How does a man change a tire without tools? The wrench broke. We had no way to...
by verbose
Wed Dec 06, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25378

Re: Do people still use AAA?

I believe all roadside assistance is at the mercy of local providers, especially in rural areas. In 2002 (ok, it was a while ago), AAA was unable to send a tow truck when we blew a tire somewhere in the middle of rural Illinois because none of the local trucks would make a call on a Sunday. We waite...
by verbose
Sun Dec 03, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 9365

Re: Negotiating for a new car purchase

OP here, just wrapping up this thread: I finally got the $1000 back from the dealer that promised a car that never appeared. They told me they weren’t trying to pull anything. I still don’t believe them, but I got my money back and I don’t care anymore. I certainly won’t be shopping there ever again...
by verbose
Wed Nov 29, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4794

Re: Dental bill four years after service

I wonder what kind of practice this is that an implant failed. I am queued up for my first implant and from what I have been told and read, the failure rate is like 1%. Mouses, I think the failure rate varies by the medical situation that created the need for an implant. I have a dental team that I...