Forumsee - Personal Finance http://finance.forumsee.com/a/m/show/p12-13056--finance-and-investment-personal-finance.html PSA: For Term Life, Health IQ beat Term4Sale for me http://finance.forumsee.com/a/m/s/p12-23327-0313250--psa-for-term-life-health-beat-term4sale-for.html Just wanted to post this because I see term4sale.com almost exclusively recommended here. I recently shopped around for life insurance, checking term4sale.com and also inquiring with Health IQ (hea... Thu, 22 Jun 2017 23:12:06 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313250--psa-for-term-life-health-beat-term4sale-for.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T23:12:06Z Asset allocation & Buying House http://finance.forumsee.com/a/m/s/p12-23327-0313249--asset-allocation-buying-house.html I read threads discussing whether one should consider home equity as part of their asset allocation and whether mortgages should be treated as a negative bond. I did not fully understand the discu... Thu, 22 Jun 2017 23:11:59 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313249--asset-allocation-buying-house.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T23:11:59Z S Corp and withholding tax http://finance.forumsee.com/a/m/s/p12-23327-0313248--corp-and-withholding-tax.html Greetings! Quick question. I started to use an online payroll company to handle my federal and state withholding taxes for my new S Corp. I am its only employee and am paying myself quarterly. ... Thu, 22 Jun 2017 23:11:52 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313248--corp-and-withholding-tax.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T23:11:52Z House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off? http://finance.forumsee.com/a/m/s/p12-23327-0313247--house-closing-tomorrow-here-are-the-closing-fees-being-ripped-off.html Hope I can get folks here to help out. My closing is happening tomorrow. I have a picture of the closing costs and you can view it here by clicking below. House is in New Jersey and cost of house... Thu, 22 Jun 2017 23:11:44 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313247--house-closing-tomorrow-here-are-the-closing-fees-being-ripped-off.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T23:11:44Z Sending money and confirming receipt? http://finance.forumsee.com/a/m/s/p12-23327-0313246--sending-money-and-confirming-receipt.html Suppose I want to send someone a nontrivial amount of money, and, without relying on anybody to get back to me, I want to receive confirmation that they have received and deposited the money. Not t... Thu, 22 Jun 2017 23:11:37 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313246--sending-money-and-confirming-receipt.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T23:11:37Z Interest Only and Variable Mortgage Advive http://finance.forumsee.com/a/m/s/p12-25824-0313245--interest-only-and-variable-mortgage-advive.html Hi All, I'm a newbie to AAM and looking for advice please. I have 17 years remaining on a variable rate Tracker mortgage with Danske Bank of 108K at 4.75% and also an Interest Only mortgage of 240K... Thu, 22 Jun 2017 22:42:12 GMT http://finance.forumsee.com/a/m/s/p12-25824-0313245--interest-only-and-variable-mortgage-advive.html Banking, credit cards, etc - Askaboutmoney.com 2017-06-22T22:42:12Z International asset protection and management License http://finance.forumsee.com/a/m/s/p12-25302-0313231--international-asset-protection-and-management-license.html Hello, I'm still searching a decision on obtaining an International asset protection and management License. My main activity is asset management. I looked Cyprus, but it's a 1, 5 year, I nee... Thu, 22 Jun 2017 18:35:48 GMT http://finance.forumsee.com/a/m/s/p12-25302-0313231--international-asset-protection-and-management-license.html Taxes, Offshore Banks, and Legal Issues - Talkgold HYIP, Investment & Money Forum 2017-06-22T18:35:48Z Thu Jun 22, 2017 9:07 am http://finance.forumsee.com/a/m/s/p12-23328-0313215--thu-jun-2017.html dbr wrote:Presenting information about how things work is not advocacy for absurd conclusions. What the OP quoted was absurd despite the OP categorizing it among "good comments". Yes, you can't ch... Thu, 22 Jun 2017 15:08:19 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313215--thu-jun-2017.html Bogleheads • View forum - Personal Consumer Issues 2017-06-22T15:08:19Z iphone 7 camera clip on lens for better car pictures... http://finance.forumsee.com/a/m/s/p12-23328-0313214--iphone-camera-clip-lens-for-better-car-pictures.html Hello - I am not much of a picture/camera "buff" and have never used anything but my iPhone camera for pics. I have started a side business doing auto detailing and have been using my iphone7 to ... Thu, 22 Jun 2017 15:08:04 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313214--iphone-camera-clip-lens-for-better-car-pictures.html Bogleheads • View forum - Personal Consumer Issues 2017-06-22T15:08:04Z Deck stain http://finance.forumsee.com/a/m/s/p12-23328-0313213--deck-stain.html Going to DIY for my deck staining in a few days. Any BH suggest any tools other than a brush that made the job a little easier? I was reading a little about a stainstick that seemed good. Thanks! Thu, 22 Jun 2017 15:07:56 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313213--deck-stain.html Bogleheads • View forum - Personal Consumer Issues 2017-06-22T15:07:56Z Anyone with Medicare Part B and Extra help http://finance.forumsee.com/a/m/s/p12-23328-0313212--anyone-with-medicare-part-and-extra-help.html Hi, Is anyone having Medicare Part B and Extra help? If yes, do you guys have to pay any monthly premiums/co-pays for the getting the medical help? -FB Thu, 22 Jun 2017 15:07:49 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313212--anyone-with-medicare-part-and-extra-help.html Bogleheads • View forum - Personal Consumer Issues 2017-06-22T15:07:49Z Save or Pay Down Mortgage? http://finance.forumsee.com/a/m/s/p12-23327-0313211--save-pay-down-mortgage.html In 1 or 2 years we are looking to move. (We want to minimize interruption with kids school schedule, so we're looking at next summer or the one after.) The purchase of a new house is dependent o... Thu, 22 Jun 2017 15:07:39 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313211--save-pay-down-mortgage.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T15:07:39Z The 5 Pitfalls of Mutual Funds by,.... http://finance.forumsee.com/a/m/s/p12-23327-0313210--the-pitfalls-mutual-funds.html Ken Fisher. Mr. Fisher says ,in his TV Ad, that using mutual funds initially is a good way to begin accumulating wealth, but once the investments approach, say, $500,000 it is time to get serious a... Thu, 22 Jun 2017 15:07:32 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313210--the-pitfalls-mutual-funds.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T15:07:32Z CIT Bank and Personal Capital http://finance.forumsee.com/a/m/s/p12-23327-0313209--cit-bank-and-personal-capital.html I recently opened a couple of savings accounts at CIT Bank (I'm pretty sure this is NOT Citi bank) but I'm unable to set them up with Personal Capital. I've emailed them about the problem but neve... Thu, 22 Jun 2017 15:07:25 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313209--cit-bank-and-personal-capital.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T15:07:25Z Determining appropriate amount of Life Insurance http://finance.forumsee.com/a/m/s/p12-23327-0313208--determining-appropriate-amount-life-insurance.html I am trying to determine the appropriate amount of term life insurance for my family and am curious if anybody has any suggestions on the best way to cover our needs. I am 33 and wife is 32 and we... Thu, 22 Jun 2017 15:07:17 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313208--determining-appropriate-amount-life-insurance.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T15:07:17Z How to Invest in Stock Market? http://finance.forumsee.com/a/m/s/p12-14477-0313188--how-invest-stock-market.html How to Invest in Stock Market??     Money is most important in this world. everyone need it ,now a day money making online is very easy and s... Thu, 22 Jun 2017 10:03:33 GMT http://finance.forumsee.com/a/m/s/p12-14477-0313188--how-invest-stock-market.html Money Talk :: Investing, Stocks and Bonds Forum 2017-06-22T10:03:33Z Virgin Mobile unlimited talk, text, data for $1? http://finance.forumsee.com/a/m/s/p12-23328-0313171--virgin-mobile-unlimited-talk-text-data-for.html I saw an announcement that Virgin Mobile is offering a year of service for $1 if you buy an iphone from them and transfer your number before September sometime. The iphone SE starts at $279 for ... Thu, 22 Jun 2017 07:05:11 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313171--virgin-mobile-unlimited-talk-text-data-for.html Bogleheads • View forum - Personal Consumer Issues 2017-06-22T07:05:11Z Fund Parent's Trusts http://finance.forumsee.com/a/m/s/p12-23327-0313170--fund-parent-s-trusts.html Hello my dear Bogleheads. I need help with “funding” my parent’s trusts. They created two separate trusts, one for mom and one for dad, over a decade ago for estate reasons. However, they never... Thu, 22 Jun 2017 07:05:01 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313170--fund-parent-s-trusts.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T07:05:01Z NYS Withholding tax changes http://finance.forumsee.com/a/m/s/p12-23327-0313169--nys-withholding-tax-changes.html Just got this pushed to all employees by the payroll: https://www.tax.ny.gov/bus/wt/rate.htm If you have employees subject to New York City personal income tax withholding who are earning $500,0... Thu, 22 Jun 2017 07:04:54 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313169--nys-withholding-tax-changes.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T07:04:54Z Did I just get seriously ripped off? http://finance.forumsee.com/a/m/s/p12-23327-0313168--did-just-get-seriously-ripped-off.html I admit I should have taken more time with this... My 9 year old bimmer was starting to bite the dust, so I took it in to the dealership where I originally bought it, hoping for some loyalty. The... Thu, 22 Jun 2017 07:04:46 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313168--did-just-get-seriously-ripped-off.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T07:04:46Z Could Credit Karma (app) be blocking my free annual credit report? http://finance.forumsee.com/a/m/s/p12-23327-0313167--could-credit-karma-app-blocking-free-annual-credit-report.html Hey All I'm trying to pull my free annual credit report from https://www.annualcreditreport.com , I've done it multiple times in past years, and this time I had some issues. At the very end after ... Thu, 22 Jun 2017 07:04:39 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313167--could-credit-karma-app-blocking-free-annual-credit-report.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T07:04:39Z Best Practices for Managing Paper Receipts http://finance.forumsee.com/a/m/s/p12-23327-0313166--best-practices-for-managing-paper-receipts.html Hi. I'm curious to get some input from the community on best practices for managing paper receipts, whether personal receipts or business-related receipts... 1) What are the arguments for holding... Thu, 22 Jun 2017 07:04:32 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313166--best-practices-for-managing-paper-receipts.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-22T07:04:32Z Negative Equity Auto vs CC Debt http://finance.forumsee.com/a/m/s/p12-14489-0313163--negative-equity-auto-debt.html Hey all, I've made some terrible financial choices throughout my 20's and have only recently changed my ways from the "head in the sand" accounting method. I've analyzed and corrected my behav... Thu, 22 Jun 2017 03:45:05 GMT http://finance.forumsee.com/a/m/s/p12-14489-0313163--negative-equity-auto-debt.html Debt Forum - Saving Advice 2017-06-22T03:45:05Z Reminders in Buying Stocks http://finance.forumsee.com/a/m/s/p12-14477-0313155--reminders-buying-stocks.html Reminders in Buying Stocks     Hello everyone, I am a fan of online trading I have been into binary and now I am focusing myself with forex t... Thu, 22 Jun 2017 02:00:07 GMT http://finance.forumsee.com/a/m/s/p12-14477-0313155--reminders-buying-stocks.html Money Talk :: Investing, Stocks and Bonds Forum 2017-06-22T02:00:07Z Best with Nest: Phillips Hue or :Lutron/Caseta? http://finance.forumsee.com/a/m/s/p12-23328-0313135--best-with-nest-phillips-hue-lutron-caseta.html I just bought a Nest security camera and wanted to use a device to link the Nest with lighting. Two options appear to be Phillips Hue and Lutron/Caseta. Not necessarily interested in the lease expe... Wed, 21 Jun 2017 23:01:48 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313135--best-with-nest-phillips-hue-lutron-caseta.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:48Z Google Fi? pros/cons? anyone using it? http://finance.forumsee.com/a/m/s/p12-23328-0313134--google-pros-cons-anyone-using.html Anyone using Google Fi? any reviews? pros/cons? https://fi.google.com/signup Thanks. _ Wed, 21 Jun 2017 23:01:41 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313134--google-pros-cons-anyone-using.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:41Z Used cars in high demand http://finance.forumsee.com/a/m/s/p12-23328-0313133--used-cars-high-demand.html Am I the only one to have lucked out and chosen to buy new cars that would be in such high demand so many years later? Apparently there is a very great shortage of 2005 Hyundai Elantras and 2006 Do... Wed, 21 Jun 2017 23:01:34 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313133--used-cars-high-demand.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:34Z LG washer and dryer "NFC tag on" feature http://finance.forumsee.com/a/m/s/p12-23328-0313132--washer-and-dryer-nfc-tag-on-feature.html I bought a new washer and dryer a few months ago, both LG "higher end" models which have an "NFC tag on" feature. The feature, as advertised to me in the store, was to allow me to download an LG ap... Wed, 21 Jun 2017 23:01:26 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313132--washer-and-dryer-nfc-tag-on-feature.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:26Z What do you say when you cancel an account that you only opened for bonus? http://finance.forumsee.com/a/m/s/p12-23328-0313131--what-you-say-when-you-cancel-account-that-you-only-opened-for-bonus.html I generally leave the credit cards alone but I need to close a checking account that I opened only for the purpose of its sign-up bonus. Just curious to know what you all say on the phone when you... Wed, 21 Jun 2017 23:01:19 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313131--what-you-say-when-you-cancel-account-that-you-only-opened-for-bonus.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:19Z Ideal basement humidity % http://finance.forumsee.com/a/m/s/p12-23328-0313130--ideal-basement-humidity.html Is there such a number? What ranges would there be for percent humidity to call it bad, OK, good, or ideal? At what point do you need a dehumidifier upgrade or addition? All the same question real... Wed, 21 Jun 2017 23:01:11 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313130--ideal-basement-humidity.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T23:01:11Z What is tax basis for property via Quitclaim Deed http://finance.forumsee.com/a/m/s/p12-23327-0313129--what-tax-basis-for-property-via-quitclaim-deed.html A family executor is emptying out a trust and is willing to issue a Quitclaim Deed (QD) for a property. For the person who is to receive the QD, they certainly can record the transfer at the count... Wed, 21 Jun 2017 23:01:02 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313129--what-tax-basis-for-property-via-quitclaim-deed.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:01:02Z Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29 http://finance.forumsee.com/a/m/s/p12-23327-0313128--chase-hyatt-credit-card-reduction-sign-bonus-effective-june.html Apparently, effective June 29, the sign-up bonus will drop from two free nights to 40,000 points, after meeting the minimum spend. Aargh, there goes the "free" Park Hyatt Tokyo stay I was hoping ... Wed, 21 Jun 2017 23:00:55 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313128--chase-hyatt-credit-card-reduction-sign-bonus-effective-june.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:55Z Help me to decipher stock option plan investment analysis, aka stock opter report http://finance.forumsee.com/a/m/s/p12-23327-0313126--help-decipher-stock-option-plan-investment-analysis-aka-stock-opter-report.html Greetings to bogleheads. I just had my employee stock option plan analysis done by the vendor who is servicing it for the employer. They have used StockOptor software. Do you factor in the report ... Wed, 21 Jun 2017 23:00:40 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313126--help-decipher-stock-option-plan-investment-analysis-aka-stock-opter-report.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:40Z What does it mean to be a board-certified elder law attorney? http://finance.forumsee.com/a/m/s/p12-23327-0313125--what-does-mean-board-certified-elder-law-attorney.html I am looking for an estate attorney to help me with estate planning and I would prefer someone board-certified in elder law as recommended by BHs. However, what board or boards are we talking abou... Wed, 21 Jun 2017 23:00:33 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313125--what-does-mean-board-certified-elder-law-attorney.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:33Z LLCs wrongly elected partnership but file as sole prop http://finance.forumsee.com/a/m/s/p12-23327-0313124--llcs-wrongly-elected-partnership-but-file-sole-prop.html Hello, When starting my LLC (i am the only owner), the accountant who got my LLCs EIN for me, apparently wrongly requested that it should be classified as partnership - but it can not be partnershi... Wed, 21 Jun 2017 23:00:26 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313124--llcs-wrongly-elected-partnership-but-file-sole-prop.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:26Z 20 pct bonus on fixed index annuity http://finance.forumsee.com/a/m/s/p12-23327-0313123--pct-bonus-fixed-index-annuity.html Just curious about how an insurance company can offer a 20 pct bonus on a fixed indexed annuity.Over 10 years does that not guarantee a 2 pct return each year?With a small upside on the index part ... Wed, 21 Jun 2017 23:00:19 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313123--pct-bonus-fixed-index-annuity.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:19Z Windfall inheritance and new home http://finance.forumsee.com/a/m/s/p12-23327-0313121--windfall-inheritance-and-new-home.html My husband and I are about 10 years from retirement and have retirement and other savings of about 2.6 million, most invested in various index and contra funds. One kid is done with college ( has a... Wed, 21 Jun 2017 23:00:02 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313121--windfall-inheritance-and-new-home.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T23:00:02Z Married tax credit for husband with wife claiming opf? http://finance.forumsee.com/a/m/s/p12-25808-0313117--married-tax-credit-for-husband-with-wife-claiming-opf.html Hi. I married in June 2015. My husband gave his employer our marriage certificate straight away and his employer started to pay him as though he was married. However no paperwork was filed with re... Wed, 21 Jun 2017 20:09:42 GMT http://finance.forumsee.com/a/m/s/p12-25808-0313117--married-tax-credit-for-husband-with-wife-claiming-opf.html Tax planning - Askaboutmoney.com 2017-06-21T20:09:42Z Suspending TSP annuities ? http://finance.forumsee.com/a/m/s/p12-52818-0313105--suspending-tsp-annuities.html Good Morning To All, Hi...I'm new to the forum so this is my 1st post. I retired about a year ago and will turn 62 in Sept. My wife has been without a job for almost 2 yrs and she will turn 62... Wed, 21 Jun 2017 18:28:06 GMT http://finance.forumsee.com/a/m/s/p12-52818-0313105--suspending-tsp-annuities.html Retirement and IRA Talk 2017-06-21T18:28:06Z Need advi?e http://finance.forumsee.com/a/m/s/p12-25302-0313104--need-advi.html Hi! I need a legal structure for the implementation of the investment project. Investments are accepted from individuals and from legal entities. The main task is to have an account opene... Wed, 21 Jun 2017 18:24:28 GMT http://finance.forumsee.com/a/m/s/p12-25302-0313104--need-advi.html Taxes, Offshore Banks, and Legal Issues - Talkgold HYIP, Investment & Money Forum 2017-06-21T18:24:28Z Need quick Marriott Rewards http://finance.forumsee.com/a/m/s/p12-23328-0313077--need-quick-marriott-rewards.html I barely travel. I have about 14,700 points and I am 300 shy of being able to get a free room that will help the wife and I on vacation. Any suggestions on how I can bag 300 points in a couple of... Wed, 21 Jun 2017 14:56:16 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313077--need-quick-marriott-rewards.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T14:56:16Z KBC - SME Banking http://finance.forumsee.com/a/m/s/p12-25824-0313076--kbc-sme-banking.html Last edited: Jun 21, 2017 at 11:47 AM Hello, KBC have been making a bit of noise about launching services to target the professional sector, for a good 18-24 months no... Wed, 21 Jun 2017 14:28:28 GMT http://finance.forumsee.com/a/m/s/p12-25824-0313076--kbc-sme-banking.html Banking, credit cards, etc - Askaboutmoney.com 2017-06-21T14:28:28Z What is your car's average cost ownership? http://finance.forumsee.com/a/m/s/p12-23328-0313044--what-your-car-s-average-cost-ownership.html Hi all, I put together a calculation for my average cost of ownership and want to know how is it compared to other Bogleheads' number. Vehicle: Used 2012 Camaro LT1/RS (such a fun car to drive) ... Wed, 21 Jun 2017 06:52:43 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313044--what-your-car-s-average-cost-ownership.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T06:52:43Z Cancelling home warranty policy after closing? http://finance.forumsee.com/a/m/s/p12-23328-0313043--cancelling-home-warranty-policy-after-closing.html Quick question for the real estate and/or legal gurus on here. We recently closed on a home and the seller gave us credit towards the purchase of a home warranty policy. I would have preferred cas... Wed, 21 Jun 2017 06:52:36 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313043--cancelling-home-warranty-policy-after-closing.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T06:52:36Z Oregon personal Trip http://finance.forumsee.com/a/m/s/p12-23328-0313042--oregon-personal-trip.html My wife and I considering a 7-day trip to Oregon later this summer. Our initial thoughts are to fly into Portland, stay a day or two to see the city, and then to stop at a few wineries on the way ... Wed, 21 Jun 2017 06:52:04 GMT http://finance.forumsee.com/a/m/s/p12-23328-0313042--oregon-personal-trip.html Bogleheads • View forum - Personal Consumer Issues 2017-06-21T06:52:04Z Help with determining appropriate salary http://finance.forumsee.com/a/m/s/p12-23327-0313041--help-with-determining-appropriate-salary.html What resources are available to figure out appropriate salaries? I've recently received a promotion at work and the company owner/CEO has asked me tell him what I feel my salary should be. I woul... Wed, 21 Jun 2017 06:51:54 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313041--help-with-determining-appropriate-salary.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:54Z MAGI and removing roth conversions http://finance.forumsee.com/a/m/s/p12-23327-0313040--magi-and-removing-roth-conversions.html I need some help here. In all cases, MAGI includes AGI, plus additional sums like tax free interest. To determine income limitations to make a ROTH CONTRIBUTION, Pub 590(a) - p.42 - Worksheet 2-1... Wed, 21 Jun 2017 06:51:47 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313040--magi-and-removing-roth-conversions.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:47Z Co-workers advising to buy house RIGHT NOW http://finance.forumsee.com/a/m/s/p12-23327-0313039--workers-advising-buy-house-right-now.html Atleast 3 co-workers have advised me in last week to buy house right now. They say home prices are only going to go up and up in this area. Every party i go to, frequent topic is "oh i should have ... Wed, 21 Jun 2017 06:51:40 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313039--workers-advising-buy-house-right-now.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:40Z Estimated Taxes, Safe Harbor and AMT http://finance.forumsee.com/a/m/s/p12-23327-0313038--estimated-taxes-safe-harbor-and-amt.html Hello dear Bogleheads! I am facing a dilemma related to estimated taxes. This is some relevant data: - 2016 AGI: $193k - 2016 federal taxes (form 1040, line 63): $40k - 2016 CA taxes: $14k - Ex... Wed, 21 Jun 2017 06:51:32 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313038--estimated-taxes-safe-harbor-and-amt.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:32Z What insurance company has the best coverage for auto, renters, and umbrella? http://finance.forumsee.com/a/m/s/p12-23327-0313037--what-insurance-company-has-the-best-coverage-for-auto-renters-and-umbrella.html I have been with my current insurance company for over a decade. They happen to also be my employer. I found out that they illegally terminated my friend who had cancer due to disability discrimina... Wed, 21 Jun 2017 06:51:25 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313037--what-insurance-company-has-the-best-coverage-for-auto-renters-and-umbrella.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:25Z Step-up basis of inherited rental properties http://finance.forumsee.com/a/m/s/p12-23327-0313036--step-basis-inherited-rental-properties.html Hi all, My father recently passed away, and my mother and I are struggling to get our heads around the rental properties that he left behind. My mother did some of the simple bookkeeping like ente... Wed, 21 Jun 2017 06:51:18 GMT http://finance.forumsee.com/a/m/s/p12-23327-0313036--step-basis-inherited-rental-properties.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-21T06:51:18Z Please help, need answers ASAP http://finance.forumsee.com/a/m/s/p12-22449-0313035--please-help-need-answers-asap.html Hello Friends, I have few questions about taxation and need urgent answers. I have a computers business and I always my ITR under section 44ad. My turnover for my business is 65 lakh. I ... Wed, 21 Jun 2017 06:26:23 GMT http://finance.forumsee.com/a/m/s/p12-22449-0313035--please-help-need-answers-asap.html Taxation Matters 2017-06-21T06:26:23Z MyCokeRewards 9 days left http://finance.forumsee.com/a/m/s/p12-23328-0312992--mycokerewards-days-left.html Perhaps silly, but in the field of finance, sometimes we do what we have fun doing. You have just 9 days left to claim prizes with any remaining MyCokeRewards points. I went with a Shutterfly fl... Tue, 20 Jun 2017 22:48:43 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312992--mycokerewards-days-left.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:48:43Z New Patio Efflorescence-ugh! http://finance.forumsee.com/a/m/s/p12-23328-0312990--new-patio-efflorescence-ugh.html I just had a new brick patio laid. It looks great except for a bunch of bricks right in the center that are covered with ugly white scum. The landscaper said it was efflorescence and would wear off... Tue, 20 Jun 2017 22:48:29 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312990--new-patio-efflorescence-ugh.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:48:29Z Commissioned Salesperson Opportunity http://finance.forumsee.com/a/m/s/p12-23328-0312989--commissioned-salesperson-opportunity.html I'm expecting an offer for a commissioned salesperson opportunity. The company sells industrial equipment and is creating a new company to target a specific industry. The industry is in an expect... Tue, 20 Jun 2017 22:48:21 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312989--commissioned-salesperson-opportunity.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:48:21Z Gift for 11 year girl from France http://finance.forumsee.com/a/m/s/p12-23328-0312988--gift-for-year-girl-from-france.html We have a French couple and their 11 year daughter visiting us soon. We figured we would be viewed as " old fogies" and would like to win her attitude over quickly by presenting her with a gift. A... Tue, 20 Jun 2017 22:48:14 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312988--gift-for-year-girl-from-france.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:48:14Z Help with Guns in Estate http://finance.forumsee.com/a/m/s/p12-23328-0312987--help-with-guns-estate.html I am always impressed with the wealth of knowledge on this forum and know this is the place to find help on this topic. My sister’s husband of 42 years passed away a few months ago. The will was... Tue, 20 Jun 2017 22:47:20 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312987--help-with-guns-estate.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:47:20Z Attention Win XP users http://finance.forumsee.com/a/m/s/p12-23328-0312986--attention-win-users.html I have migrated to Windows 7, but still have three old laptops running Windows XP. I will get rid of them at some point, but for now I keep them just in case. If you are like me, you need to know... Tue, 20 Jun 2017 22:47:13 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312986--attention-win-users.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T22:47:13Z Tue Jun 20, 2017 10:25 am http://finance.forumsee.com/a/m/s/p12-23327-0312985--tue-jun-2017.html Hello, What do you guys do with your cash that you don't want tied up in a long term investment, for example your emergency fund or house down payment that you might need immediately or at least w... Tue, 20 Jun 2017 22:47:04 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312985--tue-jun-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:47:04Z WWYD? Cash in Investment to Pay Off Mortgage Question http://finance.forumsee.com/a/m/s/p12-23327-0312983--wwyd-cash-investment-pay-off-mortgage-question.html WWYD? We are on Baby Steps 4 (Save at least 15% Retirement)/5 (Save for Kids College)/6(Early Mortgage Payoff) of Dave Ramsey’s program. We are saving about 17% of our gross income for retirement. ... Tue, 20 Jun 2017 22:46:42 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312983--wwyd-cash-investment-pay-off-mortgage-question.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:42Z My LLCs: how to protect against corporate veil piercing http://finance.forumsee.com/a/m/s/p12-23327-0312982--llcs-how-protect-against-corporate-veil-piercing.html Well, they aren’t my LLCs, but DH’s. He inherited them from his father and they are shared with his 3 sisters. One is a parcel of land, one is a rental house, and one is the family home, now occup... Tue, 20 Jun 2017 22:46:34 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312982--llcs-how-protect-against-corporate-veil-piercing.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:34Z Yet another Backdoor Roth IRA post http://finance.forumsee.com/a/m/s/p12-23327-0312981--yet-another-backdoor-roth-ira-post.html Hi all, Long-time lurker, first-time poster here. I have yet another Backdoor Roth IRA post, including questions tailored to my own situation as I understand it. For the first time my wife and I ... Tue, 20 Jun 2017 22:46:27 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312981--yet-another-backdoor-roth-ira-post.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:27Z Generally speaking, when getting an auto loan, is a shorter term better than longer term? http://finance.forumsee.com/a/m/s/p12-23327-0312980--generally-speaking-when-getting-auto-loan-shorter-term-better-than-longer-term.html Hey All, I'm about to help someone get an auto loan and they asked me this question. I can see benefits to both. Let's just assume a bunch of things and go off of the most "normal" circumstances. ... Tue, 20 Jun 2017 22:46:20 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312980--generally-speaking-when-getting-auto-loan-shorter-term-better-than-longer-term.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:20Z Tracking towards a million and retiring at 55. http://finance.forumsee.com/a/m/s/p12-23327-0312979--tracking-towards-million-and-retiring.html Hello all, I’m new here but from time to time I lurk around here looking for insightful information. My current plan is to retire as soon as I can but no later than 55 yoa. I am 46 and single. I... Tue, 20 Jun 2017 22:46:12 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312979--tracking-towards-million-and-retiring.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:12Z Tue Jun 20, 2017 5:47 pm http://finance.forumsee.com/a/m/s/p12-23327-0312978--tue-jun-2017.html I am turning 70 in December and plan to transfer/rollover a portion of my TSP account to an IRA Traditional account this fall. I was told by a TSP customer service rep. that this can be done via a... Tue, 20 Jun 2017 22:46:05 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312978--tue-jun-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T22:46:05Z Cancelling credit card payment while it is 'pending' http://finance.forumsee.com/a/m/s/p12-23328-0312944--cancelling-credit-card-payment-while-pending.html My wife and I signed up our kids for a summer camp. The fee was $420/kid, there was little fine print in online enrollment about the cost except "nonrefundable fee applies." I didn't do the enrollm... Tue, 20 Jun 2017 14:41:55 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312944--cancelling-credit-card-payment-while-pending.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T14:41:55Z Closing an ineligible Roth IRA account sitting there since 2015, Will it interfere with setting up a Backdoor Roth IRA? http://finance.forumsee.com/a/m/s/p12-23327-0312943--closing-ineligible-roth-ira-account-sitting-there-since-2015-will-interfere-with-setting-backdoor-roth-ira.html I naively setup a Roth IRA on eTrade in 2015 the first time I read about it, without knowing that I was actually not eligible to it. I put $5,500 into the account the same time I opened it, the mon... Tue, 20 Jun 2017 14:41:46 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312943--closing-ineligible-roth-ira-account-sitting-there-since-2015-will-interfere-with-setting-backdoor-roth-ira.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:46Z How should I sell my RSU and ESPP to setup a diversified ETF portfolio? http://finance.forumsee.com/a/m/s/p12-23327-0312942--how-should-sell-rsu-and-espp-setup-diversified-etf-portfolio.html All my investment is in my company's stock as ESPP and RSU. I know it's a really bad financial decision, but because my company's stock was doing good, so I procrastinated on dealing with it. Until... Tue, 20 Jun 2017 14:41:38 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312942--how-should-sell-rsu-and-espp-setup-diversified-etf-portfolio.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:38Z Purchase and Cash-out VA Loan (home improvements). http://finance.forumsee.com/a/m/s/p12-23327-0312941--purchase-and-cash-out-loan-home-improvements.html Anyone used the "VA-CAsh out loan" to Refinance for home improvements? In a nutshell I'm trying to: Come up with 50K at a good rate to make improvments, save money overtime in interest charges an... Tue, 20 Jun 2017 14:41:31 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312941--purchase-and-cash-out-loan-home-improvements.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:31Z 401K vs IRA in terms of asset protection http://finance.forumsee.com/a/m/s/p12-23327-0312940--401k-ira-terms-asset-protection.html I was discussing an issue with a friend on rolling a 401K into an IRA. It got me thinking about why you would want to roll the money back into another 401K where the fees may be higher and choices ... Tue, 20 Jun 2017 14:41:23 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312940--401k-ira-terms-asset-protection.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:23Z Stamp Value http://finance.forumsee.com/a/m/s/p12-23327-0312939--stamp-value.html I was recently given several large books of postage stamps by a family member for helping clean out a house. There are literally thousands of stamps in these books representing a variety of US and ... Tue, 20 Jun 2017 14:41:15 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312939--stamp-value.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:15Z Liability with dogs, hypothetical http://finance.forumsee.com/a/m/s/p12-23327-0312938--liability-with-dogs-hypothetical.html A friend of ours had his leashed standard poodle attacked recently, high 4 digit vet bill, paid in full by the attacking dog owner's homeowner's policy. It made us think about our possible liabilit... Tue, 20 Jun 2017 14:41:08 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312938--liability-with-dogs-hypothetical.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T14:41:08Z Part-time computer science graduate schools in Boston area? http://finance.forumsee.com/a/m/s/p12-23328-0312893--part-time-computer-science-graduate-schools-boston-area.html I'll be moving to Boston soon and want to take evening and/or online classes for a computer science M.S. So far, I've looked at: - Tufts - Northeastern (College of Professional Studies) (which doe... Tue, 20 Jun 2017 06:38:52 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312893--part-time-computer-science-graduate-schools-boston-area.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T06:38:52Z Mon Jun 19, 2017 11:12 pm http://finance.forumsee.com/a/m/s/p12-23328-0312892--mon-jun-2017.html Hi, We found a bunch of old stock certificates in my grandfathers name. Most are dated between 1950-1970. I have no idea what to do with them. Some companies include: * Mechanico Products * Erie ... Tue, 20 Jun 2017 06:38:45 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312892--mon-jun-2017.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T06:38:45Z House selling - timeline question http://finance.forumsee.com/a/m/s/p12-23328-0312891--house-selling-timeline-question.html Scenario 1 House will sell without any improvements. Realtor is contacted and process gets going. No issues. Next consider: Scenario 2 House can benefit with some improvements, but it will ta... Tue, 20 Jun 2017 06:38:31 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312891--house-selling-timeline-question.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T06:38:31Z is luxury car a smarter purchase? http://finance.forumsee.com/a/m/s/p12-23328-0312890--luxury-car-smarter-purchase.html Does it ever make *more* financial sense to buy a used luxury car over a regular new / used car? For instance, I've heard BMW's hold their value and quality substantially better than normal Americ... Tue, 20 Jun 2017 06:38:24 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312890--luxury-car-smarter-purchase.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T06:38:24Z Alternatives to Amazon http://finance.forumsee.com/a/m/s/p12-23328-0312889--alternatives-amazon.html Recently we've noticed Amazon has started using an "uber-like" model for their deliveries with some scary looking individuals in their personal vehicles delivering packages to our front door withou... Tue, 20 Jun 2017 06:38:16 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312889--alternatives-amazon.html Bogleheads • View forum - Personal Consumer Issues 2017-06-20T06:38:16Z Storing funds for a house http://finance.forumsee.com/a/m/s/p12-23327-0312887--storing-funds-for-house.html i have several hundred thousand dollars I need to set aside for a few years while I take an expat assignment and rent. Any suggestions on where to save/invest it? I needs to be fairly safe, we are ... Tue, 20 Jun 2017 06:37:59 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312887--storing-funds-for-house.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:59Z Family Business changing, choosing a new retirement plan http://finance.forumsee.com/a/m/s/p12-23327-0312886--family-business-changing-choosing-new-retirement-plan.html My wife's and I's business recently changed from a Sole Proprietorship to an LLC. We are also taken on 2 employees. The first 2 years of our business we had a solo 401k (at VG). Since we can no ... Tue, 20 Jun 2017 06:37:52 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312886--family-business-changing-choosing-new-retirement-plan.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:52Z Credit card for expat http://finance.forumsee.com/a/m/s/p12-23327-0312884--credit-card-for-expat.html Having little experience in international travel, I just accepted an expat assignment (Netherlands) and am wondering about credit cards. I'll have a period of several months in transition,... Tue, 20 Jun 2017 06:37:36 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312884--credit-card-for-expat.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:36Z Should I buy an $800k house? http://finance.forumsee.com/a/m/s/p12-23327-0312883--should-buy-800k-house.html Me and my spouse - total annual base salary $260k (No kids, but planning in near future) Age - Early 30s. Total cash in Savings/Checkings Accounts - $220k Invested in taxable - $130k Invested in re... Tue, 20 Jun 2017 06:37:29 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312883--should-buy-800k-house.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:29Z Planning Around Partner's Student Loans http://finance.forumsee.com/a/m/s/p12-23327-0312882--planning-around-partner-s-student-loans.html I am new to the forums, but have learned an enormous amount lurking over the last 2 months. I have a question relating to taking advantage of the IBR program for my partner's student loans, while ... Tue, 20 Jun 2017 06:37:21 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312882--planning-around-partner-s-student-loans.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:21Z Home insurance change http://finance.forumsee.com/a/m/s/p12-23327-0312881--home-insurance-change.html I recently switched home insurance because the rate offered on home and umbrella was better than my existing insurance company by a significant amount. I answered all the questions over the phone a... Tue, 20 Jun 2017 06:37:14 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312881--home-insurance-change.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:14Z Tue Jun 20, 2017 12:59 am http://finance.forumsee.com/a/m/s/p12-23327-0312880--tue-jun-2017.html Hey, everyone Background info. I'm 22 years old. Debt free. In the military. I have 3-6 months of expenses saved in my savings account and am regularly putting 15% of my income into retirement. My... Tue, 20 Jun 2017 06:37:07 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312880--tue-jun-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-20T06:37:07Z Charleston and Savannah http://finance.forumsee.com/a/m/s/p12-23328-0312826--charleston-and-savannah.html Wife and I are planning a pleasure trip from NYC to Charleston SC and Savannah GA in October. Any things you would place on a "don't miss" list? Lucky3 Mon, 19 Jun 2017 22:36:24 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312826--charleston-and-savannah.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:36:24Z Choosing between two siding contractors http://finance.forumsee.com/a/m/s/p12-23328-0312825--choosing-between-two-siding-contractors.html I need to have new siding put on the south side of my house and intend to use Jame Hardie fiber cement siding. My house extends over a hillside so that the job will require scaffolding over a thr... Mon, 19 Jun 2017 22:35:54 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312825--choosing-between-two-siding-contractors.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:54Z Anchor New Basketball System to Old Concrete http://finance.forumsee.com/a/m/s/p12-23328-0312824--anchor-new-basketball-system-old-concrete.html All, I was hoping to get a bit of advice from the experts. Our home has a concrete basketball base/footing 18" in diameter sunk three to four feet deep, and it does not heave in the winter, so it'... Mon, 19 Jun 2017 22:35:45 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312824--anchor-new-basketball-system-old-concrete.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:45Z New Septic System for my Parents http://finance.forumsee.com/a/m/s/p12-23328-0312823--new-septic-system-for-parents.html Hi BH's, I am kicking off my involvement in helping my parents purchase and install a new septic system in New Jersey. I've done a brief analysis online, and was hoping some of you could share ad... Mon, 19 Jun 2017 22:35:38 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312823--new-septic-system-for-parents.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:38Z Can this air compressor be saved? http://finance.forumsee.com/a/m/s/p12-23328-0312822--can-this-air-compressor-saved.html I unwisely connected my air compressor to what turned out to be an undersized 100-foot extension cord in order to power an air tool in a remote corner of our yard. The connection was as follows: ... Mon, 19 Jun 2017 22:35:30 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312822--can-this-air-compressor-saved.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:30Z For Sale By Owner HOUSE- Advice Please http://finance.forumsee.com/a/m/s/p12-23328-0312820--for-sale-owner-house-advice-please.html The market in our town is insanely hot. They can't keep houses on the market. A realtor friend told me that there's less than a 7 day supply of homes in a couple price categories... I trust hi... Mon, 19 Jun 2017 22:35:16 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312820--for-sale-owner-house-advice-please.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:16Z Underwriting in NY for Medigap and Medicare Advantage Coverage http://finance.forumsee.com/a/m/s/p12-23328-0312819--underwriting-for-medigap-and-medicare-advantage-coverage.html I have read that there is no underwriting for Medigap and Medicare Advantage insurance in NY (where I live). Q1: Is this correct? Q2: Does this mean that if I wish to switch from Medicare Advanta... Mon, 19 Jun 2017 22:35:09 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312819--underwriting-for-medigap-and-medicare-advantage-coverage.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:09Z Garage Parking Aid http://finance.forumsee.com/a/m/s/p12-23328-0312818--garage-parking-aid.html My garage is a tandem garage, rather than the side-to-side type of garage. When I bought the unit, there was a shoddily patched area in the front of the garage. Someone clearly drove into the wal... Mon, 19 Jun 2017 22:35:02 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312818--garage-parking-aid.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:35:02Z Want to downsize, see "to do" list. What to tackle first? http://finance.forumsee.com/a/m/s/p12-23328-0312817--want-downsize-see-to-do-list-what-tackle-first.html We plan on downsizing, Kids are grown. Walking up steps in a 2 story home is becoming harder for my spouse. No longer need 5 bedrooms. Want a ranch home. When it comes to deciding what has to be d... Mon, 19 Jun 2017 22:34:54 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312817--want-downsize-see-to-do-list-what-tackle-first.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:34:54Z Insurance snafu with sewer line break at condo http://finance.forumsee.com/a/m/s/p12-23328-0312815--insurance-snafu-with-sewer-line-break-condo.html Not me but a neighbor a few doors down... Would like to see if there's anything I can do to prevent the same happening to me. Two story attached condominium / townhome. The bottom floor floods wh... Mon, 19 Jun 2017 22:34:39 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312815--insurance-snafu-with-sewer-line-break-condo.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:34:39Z Olympic NP and Mt Rainier NP http://finance.forumsee.com/a/m/s/p12-23328-0312814--olympic-and-rainier.html Family and I will be taking a trip next week. Home bases will be in Port Angles and Packwood. I was able to book two different VRBOs in these areas. We will spend 2-3 days in each park. Does anyo... Mon, 19 Jun 2017 22:34:32 GMT http://finance.forumsee.com/a/m/s/p12-23328-0312814--olympic-and-rainier.html Bogleheads • View forum - Personal Consumer Issues 2017-06-19T22:34:32Z social security benefits from deceased spouse? http://finance.forumsee.com/a/m/s/p12-23327-0312813--social-security-benefits-from-deceased-spouse.html Hi all, been digging around online trying to get a better understanding of how social security works. My mother passed away 2 years ago at 60. She was not collecting anything from SS at the time.... Mon, 19 Jun 2017 22:34:22 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312813--social-security-benefits-from-deceased-spouse.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-19T22:34:22Z Anyone used EverBank for home mortgage? http://finance.forumsee.com/a/m/s/p12-23327-0312812--anyone-used-everbank-for-home-mortgage.html EverBank seems to have the best combination of low interest rates and minimal fees (total all-in cost) per Bankrate.com comparison. Just wondering if anyone has used them or has personal experienc... Mon, 19 Jun 2017 22:34:15 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312812--anyone-used-everbank-for-home-mortgage.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-19T22:34:15Z Mid/Late 20's - Student Loan Paydown vs Saving for Retirement http://finance.forumsee.com/a/m/s/p12-23327-0312811--mid-late-20-s-student-loan-paydown-saving-for-retirement.html Hi everyone, New to the forum, just wanted to reach out to get some quick advice. My question centers around my student loans, and my attempt to weigh paying off my student loans quickly against ... Mon, 19 Jun 2017 22:34:08 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312811--mid-late-20-s-student-loan-paydown-saving-for-retirement.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-19T22:34:08Z 401k for small businesses http://finance.forumsee.com/a/m/s/p12-23327-0312810--401k-for-small-businesses.html I am posting this message for a friend who is trying to setup a 401k-like retirement savings plan for his little startup with 20 employees. One option he is considering is Captain401 which special... Mon, 19 Jun 2017 22:34:01 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312810--401k-for-small-businesses.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-19T22:34:01Z Vanguard Trust Service and Real Estate http://finance.forumsee.com/a/m/s/p12-23327-0312809--vanguard-trust-service-and-real-estate.html Looking over the Vanguard Trust Service brochure and documents, it appears that they will not hold any real estate in trust. Our goal was to have our entire estate transfer to a trust with VNTC as ... Mon, 19 Jun 2017 22:33:53 GMT http://finance.forumsee.com/a/m/s/p12-23327-0312809--vanguard-trust-service-and-real-estate.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-06-19T22:33:53Z