Forumsee - Personal Finance http://finance.forumsee.com/a/m/show/p12-13056--finance-and-investment-personal-finance.html First time ever received a collection agency letter http://finance.forumsee.com/a/m/s/p12-23328-0327578--first-time-ever-received-collection-agency-letter.html Took my son to hospital on February 3 for a hearing test. 1 month later received a bill from hospital for $370. But this was impossible because I already met out of pocket maximum by that time. ... Tue, 17 Oct 2017 22:17:02 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327578--first-time-ever-received-collection-agency-letter.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T22:17:02Z Anyone who started a business what made you comfortable enough to take the chance? http://finance.forumsee.com/a/m/s/p12-23328-0327577--anyone-who-started-business-what-made-you-comfortable-enough-take-the-chance.html I was curious to learn from any business owners out there what experience/education/training you had that made you comfortable enough to start your own business? Of course there is lots of info... Tue, 17 Oct 2017 22:16:55 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327577--anyone-who-started-business-what-made-you-comfortable-enough-take-the-chance.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T22:16:55Z Comprehensive guide on Insurance? http://finance.forumsee.com/a/m/s/p12-23327-0327576--comprehensive-guide-insurance.html Hi guys, All that I know about insurance is that commission-based insurance agents are the last group of people I should trust. But it hasn't been easy to find comprehensive books/guides on thi... Tue, 17 Oct 2017 22:13:45 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327576--comprehensive-guide-insurance.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:45Z Car fund in index fun or savings? http://finance.forumsee.com/a/m/s/p12-23327-0327575--car-fund-index-fun-savings.html Our goal is to never finance another car again. So, would it be smarter tax wise to keep car fund money in index funds vs. savings? Not to mention it would be nice to make some money on fund. Wi... Tue, 17 Oct 2017 22:13:37 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327575--car-fund-index-fun-savings.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:37Z IRA for H1B holders ? http://finance.forumsee.com/a/m/s/p12-23327-0327574--ira-for-h1b-holders.html Hi , I am new to this forum and I feel very lucky to come across bogleheads. I have been reading this forum for last three weeks. Let me introduce myself. I arrived in US two months ago for a cons... Tue, 17 Oct 2017 22:13:30 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327574--ira-for-h1b-holders.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:30Z Why not switch from Medigap F to G now? http://finance.forumsee.com/a/m/s/p12-23327-0327573--why-not-switch-from-medigap-now.html I have read of the changes coming to Medigap F. It seems the possible loss of younger Medicare beneficiaries enrolling in these plans has raised concerns that rates could rise as the pool of existi... Tue, 17 Oct 2017 22:13:22 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327573--why-not-switch-from-medigap-now.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:22Z Grandparents want to give to grandkids http://finance.forumsee.com/a/m/s/p12-23327-0327572--grandparents-want-give-grandkids.html Hello I have 2 small kids < 3 and my parents would like to gift them some money. What is the best way to do this. i have 529 accounts, they could technically deposit money directly in that. They me... Tue, 17 Oct 2017 22:13:15 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327572--grandparents-want-give-grandkids.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:15Z Invest or pay off student loan http://finance.forumsee.com/a/m/s/p12-23327-0327571--invest-pay-off-student-loan.html Hello I am not sure if this is the correct place for this but hopefully it is. I am currently 25 years old new graduate projected to make 220k (possibly more) this year. I have a large undergrad... Tue, 17 Oct 2017 22:13:07 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327571--invest-pay-off-student-loan.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:07Z Conflicting information about Experian pin http://finance.forumsee.com/a/m/s/p12-23327-0327570--conflicting-information-about-experian-pin.html I received my Experian freeze pin in the mail from doing the freeze over the phone. I was expecting (assuming) I'd receive a 10 digit number. It's a 15 digit number with the first 5 numbers being z... Tue, 17 Oct 2017 22:13:00 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327570--conflicting-information-about-experian-pin.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:13:00Z HSA taxation in Calif http://finance.forumsee.com/a/m/s/p12-23327-0327569--hsa-taxation-calif.html A little confused on this issue.So if I have 30,000 in an HSA and withdraw 5000 to pay medical expenses in 2018,is the entire 5000 taxable for state tax or just any gains? Tue, 17 Oct 2017 22:12:53 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327569--hsa-taxation-calif.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:53Z Medicare change upcoming - preauthorization for imaging tests http://finance.forumsee.com/a/m/s/p12-23327-0327568--medicare-change-upcoming-preauthorization-for-imaging-tests.html In the November 2017 issue of Consumer Reports on health, there is an article about an upcoming Medicare change (optional in 2018, mandatory in 2019) that will require Preauthorization (PA) for exp... Tue, 17 Oct 2017 22:12:46 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327568--medicare-change-upcoming-preauthorization-for-imaging-tests.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:46Z Help Me Think About Roth Conversions and Retirement? http://finance.forumsee.com/a/m/s/p12-23327-0327567--help-think-about-roth-conversions-and-retirement.html So, we're looking at retirement in ~ 8 years. Currently in the 33% federal bracket, 9.3% California. In retirement (pre-SS) we expect to drop to 28% Fed, and stay in the 9.3% California bracket.... Tue, 17 Oct 2017 22:12:38 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327567--help-think-about-roth-conversions-and-retirement.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:38Z Protecting modest assets (house/IRA) from Medicaid/taxes http://finance.forumsee.com/a/m/s/p12-23327-0327566--protecting-modest-assets-house-ira-from-medicaid-taxes.html I'm trying to do some learning and planning on behalf of my parents. My goal is to figure out if I need to consult with an attorney, or if it is not worth it based on my family's circumstances. I u... Tue, 17 Oct 2017 22:12:30 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327566--protecting-modest-assets-house-ira-from-medicaid-taxes.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:30Z Buy a rental property before primary home? http://finance.forumsee.com/a/m/s/p12-23327-0327565--buy-rental-property-before-primary-home.html Should I buy a rental property before my primary home (not planning to buy a duplex)? $600 k cash $400 k stocks $300 k yearly income (work plus business) 800s credit score No debt/in my 30... Tue, 17 Oct 2017 22:12:22 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327565--buy-rental-property-before-primary-home.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:22Z Help picking apart whole life insurance cash value http://finance.forumsee.com/a/m/s/p12-23327-0327563--help-picking-apart-whole-life-insurance-cash-value.html First time poster here, painfully aware that this first post is about the boggle-hated idea of using permanent life insurance primarily for its cash value. But please at least read the whole thing ... Tue, 17 Oct 2017 22:12:07 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327563--help-picking-apart-whole-life-insurance-cash-value.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:07Z how long did it take to get used to retirement http://finance.forumsee.com/a/m/s/p12-23327-0327562--how-long-did-take-get-used-retirement.html I retired from my job 3 months ago at age 59. Although I gave it a lot of thought before I actually pulled the trigger and had 3 trips planned immediately so that I was retiring TO something I am n... Tue, 17 Oct 2017 22:12:00 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327562--how-long-did-take-get-used-retirement.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:12:00Z Best way to make some dollars on a 10 day vacation? http://finance.forumsee.com/a/m/s/p12-23327-0327561--best-way-make-some-dollars-day-vacation.html Hi Bogleheads, I am a full time Mechanical (Thermal) Engineer in NJ close to NYC area. Recently I realized I've accumulated plenty of PTOs (around 10 days) that I need to squander this year (exp... Tue, 17 Oct 2017 22:11:52 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327561--best-way-make-some-dollars-day-vacation.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:11:52Z S-Corp Solo 401k Salary Deferral http://finance.forumsee.com/a/m/s/p12-23327-0327560--corp-solo-401k-salary-deferral.html Let say I have an S-Corp, do a payroll monthly, and pay myself a $50k salary on a W2. The S-Corp has a net profit of $100k which will end up on a K-1 to me whether I distribute it or not. I wou... Tue, 17 Oct 2017 22:11:44 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327560--corp-solo-401k-salary-deferral.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T22:11:44Z Capital Gain Tax on Inherited property http://finance.forumsee.com/a/m/s/p12-25808-0327547--capital-gain-tax-inherited-property.html Hello - just looking for quick advice - i will prob go to an accountant for filing if there are any benefit of doing that, but just wanted to understand what type of liability we would be facing an... Tue, 17 Oct 2017 18:42:28 GMT http://finance.forumsee.com/a/m/s/p12-25808-0327547--capital-gain-tax-inherited-property.html Tax planning - Askaboutmoney.com 2017-10-17T18:42:28Z ETFs taxation issue http://finance.forumsee.com/a/m/s/p12-25808-0327546--etfs-taxation-issue.html Hi all I've made some gains on ETFs in 2016, and some small gains (below exemption) in equities. I've submitted CGT return for equities (back in 2016) and Form 11 (Section E) for ETFs. I also... Tue, 17 Oct 2017 18:42:22 GMT http://finance.forumsee.com/a/m/s/p12-25808-0327546--etfs-taxation-issue.html Tax planning - Askaboutmoney.com 2017-10-17T18:42:22Z Worth going back to work? http://finance.forumsee.com/a/m/s/p12-25808-0327545--worth-going-back-work.html Hi there Is it worth my girlfriend going back to work after we have a second child. I earn about 70k gross and her about 60k gross. The creche fees with be about 1800 per month for 2 years or so... Tue, 17 Oct 2017 18:42:15 GMT http://finance.forumsee.com/a/m/s/p12-25808-0327545--worth-going-back-work.html Tax planning - Askaboutmoney.com 2017-10-17T18:42:15Z How to insulate a skylight? http://finance.forumsee.com/a/m/s/p12-23328-0327490--how-insulate-skylight.html I've been looking around for ways to reduce home energy costs. We have energy star skylights, yet in the winter the snow melts over them well before the rest of the roof. There seem to be two i... Tue, 17 Oct 2017 06:08:39 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327490--how-insulate-skylight.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:08:39Z Chase Sapphire / Visa Infinite Concierge http://finance.forumsee.com/a/m/s/p12-23328-0327489--chase-sapphire-visa-infinite-concierge.html Any experience with the concierge service offered with a credit card? I'll be using my Chase Sapphire which has the Visa Infinite concierge but other general experience is welcomed. I have booke... Tue, 17 Oct 2017 06:08:31 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327489--chase-sapphire-visa-infinite-concierge.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:08:31Z What are your best car battery purchase options? http://finance.forumsee.com/a/m/s/p12-23328-0327488--what-are-your-best-car-battery-purchase-options.html We (DW & I) recently had a Kirkland battery from Costco fail in a 2001 Toyota Camry. The standard recommended replacement battery is a very common Group 35. Because the battery was 73 months old, w... Tue, 17 Oct 2017 06:08:08 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327488--what-are-your-best-car-battery-purchase-options.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:08:08Z Roofer stopped showing up - what are my options? http://finance.forumsee.com/a/m/s/p12-23328-0327487--roofer-stopped-showing-what-are-options.html Perfect storm and what not to do unfortunately. What are my options now? I am in Pennsylvania in case it matters. Background - At the beginning of last month, my insurance company came and sai... Tue, 17 Oct 2017 06:08:00 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327487--roofer-stopped-showing-what-are-options.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:08:00Z How did you rise into the Executive Ranks? http://finance.forumsee.com/a/m/s/p12-23328-0327486--how-did-you-rise-into-the-executive-ranks.html Looking for a bit of feedback from the execs here on BH. I have consistently been a high performer at my company (top ratings, employee of the year, etc.). Because of this, I have been selected ... Tue, 17 Oct 2017 06:07:53 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327486--how-did-you-rise-into-the-executive-ranks.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:07:53Z How do you outfit your feet? http://finance.forumsee.com/a/m/s/p12-23328-0327485--how-you-outfit-your-feet.html I am retired. This week's focus item is shoes. I have them all over the place. Many pairs not worn in ages. So I started an inventory reduction program. First step was to ID what I needed. Here's m... Tue, 17 Oct 2017 06:07:46 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327485--how-you-outfit-your-feet.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:07:46Z Experience with "mini-monovision" cataract implants? http://finance.forumsee.com/a/m/s/p12-23328-0327484--experience-with-mini-monovision-cataract-implants.html I'm considering whether to go with "mini-monovision" cataract implants vs. standard correction for distance in both eyes. Wondering if anyone has done this and what your results have been, particu... Tue, 17 Oct 2017 06:07:38 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327484--experience-with-mini-monovision-cataract-implants.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:07:38Z Data Security on Cellular Network http://finance.forumsee.com/a/m/s/p12-23328-0327483--data-security-cellular-network.html This will probably be a dumb question, but here goes anyway... I understand that when browsing the internet while on a public (unsecured) WiFi connection, one should assume that others can inter... Tue, 17 Oct 2017 06:07:31 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327483--data-security-cellular-network.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:07:31Z Class B RV. Travato vs Roadtrek vs Suggestions? http://finance.forumsee.com/a/m/s/p12-23328-0327482--class-travato-roadtrek-suggestions.html I'm thinking of getting a Class B Rv. Maybe "lifestyle creep" but why not. Winnebago Travato $$$ vs Roadtrek 210 $$ vs other suggestions>? Requirements are: DW and I. Retired. Mostly for m... Tue, 17 Oct 2017 06:07:24 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327482--class-travato-roadtrek-suggestions.html Bogleheads • View forum - Personal Consumer Issues 2017-10-17T06:07:24Z Credit Freeze for infant http://finance.forumsee.com/a/m/s/p12-23327-0327480--credit-freeze-for-infant.html Hello....1st time parent here, and I was wondering what the wonderful folks on this board thought in regards to "freezing" a childs credit with the 3 major bureaus? I am leaning towards freezing it... Tue, 17 Oct 2017 06:03:10 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327480--credit-freeze-for-infant.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T06:03:10Z Joining Federal Service - A No-Brainer? http://finance.forumsee.com/a/m/s/p12-23327-0327479--joining-federal-service-brainer.html Quick background - My wife has ~6 years of military service and has worked in the private sector for 5 years for the same company. She has reached an inflection point where she'd like to move on fr... Tue, 17 Oct 2017 06:03:03 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327479--joining-federal-service-brainer.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T06:03:03Z Issue freezing credit reports with 2 out of 3 credit reporters. Help? http://finance.forumsee.com/a/m/s/p12-23327-0327478--issue-freezing-credit-reports-with-out-credit-reporters-help.html Long time lurker desperate for help with this situation. So, I just attempted to freeze my credit reports with the 3 big agencies (Equifax, transunion, and experian). Funny enough, Equifax went ... Tue, 17 Oct 2017 06:02:41 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327478--issue-freezing-credit-reports-with-out-credit-reporters-help.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T06:02:41Z Another Pension Lump Sum Help Needed http://finance.forumsee.com/a/m/s/p12-23327-0327477--another-pension-lump-sum-help-needed.html Hopefully #Cruncher or some other excel wiz can run what return i would need to get for the different ending ages of 82, 90, 100. Age 45 Pension Lump Sum $138,400 Single Life Annuity at 65: $2... Tue, 17 Oct 2017 06:02:33 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327477--another-pension-lump-sum-help-needed.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T06:02:33Z Life and invalidity insurance for HNW... http://finance.forumsee.com/a/m/s/p12-23327-0327476--life-and-invalidity-insurance-for-hnw.html Hi there ! Quick background. I am a mid 30 guy with a rather large portfolio (mid 7 figures) 100% invested in index funds. This portfolio generate about 125k/year in dividends and i add more ... Tue, 17 Oct 2017 06:02:26 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327476--life-and-invalidity-insurance-for-hnw.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-17T06:02:26Z Price Rewind Issues http://finance.forumsee.com/a/m/s/p12-23328-0327436--price-rewind-issues.html I've been excitedly using Citi Price Rewind for two years to the tune of a few hundred in savings. I like ordering something that will go on sale soon without having to worry about actually catchi... Mon, 16 Oct 2017 22:04:34 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327436--price-rewind-issues.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:04:34Z Question about Medigap Insurance http://finance.forumsee.com/a/m/s/p12-23328-0327435--question-about-medigap-insurance.html My wife has had a medicare advantage plan since age 65. She is 77 now and Blue Cross Blue Shield will no longer offer her Advantage plan after December 31, 2017. She will be replacing her Advantage... Mon, 16 Oct 2017 22:04:27 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327435--question-about-medigap-insurance.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:04:27Z Buying men's suits ebay/online http://finance.forumsee.com/a/m/s/p12-23328-0327434--buying-men-s-suits-ebay-online.html Looking for a nice suit (budget up to 1K). Someone recommended that I would be much better off buying (NEW with TAGS) suits made by Zegna, Canali, Brioni, ISAIA, Kiton on eBay, then take it to a l... Mon, 16 Oct 2017 22:04:19 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327434--buying-men-s-suits-ebay-online.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:04:19Z Bolivia trip - Tight Flight Connection in La Paz? http://finance.forumsee.com/a/m/s/p12-23328-0327433--bolivia-trip-tight-flight-connection-paz.html Hello you well-traveled and good-lookin' Bogleheads. I need your advice, and thank you in advance. I'm planning a trip to Bolivia where my arriving flight on American was going to land about ... Mon, 16 Oct 2017 22:04:12 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327433--bolivia-trip-tight-flight-connection-paz.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:04:12Z Where to notarize legal zoom documents? Trouble getting witnesses http://finance.forumsee.com/a/m/s/p12-23328-0327432--where-notarize-legal-zoom-documents-trouble-getting-witnesses.html I purchased some estate documents for my wife and I on Legal Zoom. Last will, living will, and two different power of attorney forms. At least some of these need to be notarized. Where's the... Mon, 16 Oct 2017 22:04:04 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327432--where-notarize-legal-zoom-documents-trouble-getting-witnesses.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:04:04Z Mon Oct 16, 2017 5:01 pm http://finance.forumsee.com/a/m/s/p12-23328-0327429--mon-oct-2017.html hoops777 wrote: ? Mon Oct 16, 2017 4:59 pm blevine wrote: ? Mon Oct 16, 2017 3:18 pm Not sure what you mean. Netflix allows you to buy a 1, 2 or 4 screen subscription. Are you saying you must p... Mon, 16 Oct 2017 22:03:42 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327429--mon-oct-2017.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T22:03:42Z Credit protection for children? http://finance.forumsee.com/a/m/s/p12-23327-0327428--credit-protection-for-children.html My wife and I have taken precautions for our own credit, including freezing and credit monitoring. Our son is 2 years old, and I am wondering if we should take any precautions for his identity/credit? Mon, 16 Oct 2017 21:59:51 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327428--credit-protection-for-children.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:51Z Mon Oct 16, 2017 1:55 pm http://finance.forumsee.com/a/m/s/p12-23327-0327427--mon-oct-2017.html Does Medicare advantage plans cover the co pay for the 80 days of facility care like a supplement does? Mon, 16 Oct 2017 21:59:43 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327427--mon-oct-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:43Z Joint Account or Authorized Agent http://finance.forumsee.com/a/m/s/p12-23327-0327425--joint-account-authorized-agent.html I would like to help my child manage his (new) Vanguard account for now, he is 20 yrs old and has limited knowledge in managing his money at this time. He has about $15000. My thought is to open ... Mon, 16 Oct 2017 21:59:22 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327425--joint-account-authorized-agent.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:22Z couple of questions regarding inflation and the 4% rule http://finance.forumsee.com/a/m/s/p12-23327-0327424--couple-questions-regarding-inflation-and-the-rule.html I understand the "4% rule" as something along the lines of...you can withdraw 4% of your portfolio value in year 1 of retirement, increase withdrawal each year based on inflation, and you have a hi... Mon, 16 Oct 2017 21:59:14 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327424--couple-questions-regarding-inflation-and-the-rule.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:14Z Question for those with free experian creditworks basic membership http://finance.forumsee.com/a/m/s/p12-23327-0327423--question-for-those-with-free-experian-creditworks-basic-membership.html I recently created a free account in order to get the credit report that updates every 30 days. I noticed on my recent credit report, there are a bunch of soft pulls: ECS/Right Offer Marketpl (thi... Mon, 16 Oct 2017 21:59:07 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327423--question-for-those-with-free-experian-creditworks-basic-membership.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:07Z DIY Estate Planning http://finance.forumsee.com/a/m/s/p12-23327-0327422--diy-estate-planning.html Has anyone used NOLO, LegalZoom or FORE software to do your own estate planning documents? Did you find it user friendly with templates that require you to just answer questions in order to create ... Mon, 16 Oct 2017 21:59:00 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327422--diy-estate-planning.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:59:00Z 529 Milestones & questions http://finance.forumsee.com/a/m/s/p12-23327-0327421--529-milestones-questions.html Well. I can't thank the folks here enough. I posted a few months back about hitting the 7 figure mark. Now as of Friday, I have deposited what I think is enough for my oldest sons 529 to fully fund... Mon, 16 Oct 2017 21:58:52 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327421--529-milestones-questions.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:58:52Z Bonus pushed back - should I be annoyed? http://finance.forumsee.com/a/m/s/p12-23327-0327420--bonus-pushed-back-should-annoyed.html BH's, Today my company sent an announcement out, stating that bonus payouts will be pushed back about a month and a half in 2018, and will remain this way indefinitely. Reasoning provided is th... Mon, 16 Oct 2017 21:58:45 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327420--bonus-pushed-back-should-annoyed.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:58:45Z Better to file taxes knowing they are incorrect (IRS owes me) or not file http://finance.forumsee.com/a/m/s/p12-23327-0327419--better-file-taxes-knowing-they-are-incorrect-irs-owes-me-not-file.html So me and my wife (married filing jointly) have a problem with our taxes which I think has been caused because a backdoor roth IRA hasn't gone through properly. I think my wife never did the backdo... Mon, 16 Oct 2017 21:58:37 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327419--better-file-taxes-knowing-they-are-incorrect-irs-owes-me-not-file.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T21:58:37Z Public service notional yrs vs avc or prsa through labrokers http://finance.forumsee.com/a/m/s/p12-25764-0327416--public-service-notional-yrs-avc-prsa-through-labrokers.html Hi all I am hoping to get some guidence here My wife has 7 years remaining in a government agency, and is due to receive a pension of 14/80th on retirement plus gratuity of 21/80th ( Open to... Mon, 16 Oct 2017 21:08:11 GMT http://finance.forumsee.com/a/m/s/p12-25764-0327416--public-service-notional-yrs-avc-prsa-through-labrokers.html Pensions - Askaboutmoney.com 2017-10-16T21:08:11Z WPA2 protocol used by vast majority of wifi connections has been broken http://finance.forumsee.com/a/m/s/p12-23328-0327383--wpa2-protocol-used-vast-majority-wifi-connections-has-been-broken.html This was just on FOX Business this morning....was hoping someone deep in the know can offer some input on this issue. We discovered serious weaknesses in WPA2, a protocol that secures all modern... Mon, 16 Oct 2017 14:00:32 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327383--wpa2-protocol-used-vast-majority-wifi-connections-has-been-broken.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T14:00:32Z Apple Fans: B&H has a couple of great deals on late-2016 15 Inch Macbook Pros http://finance.forumsee.com/a/m/s/p12-23328-0327382--apple-fans-b-h-has-couple-great-deals-late-2016-inch-macbook-pros.html 700 off the model normally $2799 (512 GB) - https://www.bhphotovideo.com/c/product/ ... _with.html $500 off the $2399 model (256 GB) - https://www.bhphotovideo.com/c/product/ ... _with.html ... Mon, 16 Oct 2017 14:00:25 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327382--apple-fans-b-h-has-couple-great-deals-late-2016-inch-macbook-pros.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T14:00:25Z Mineral Rights Valuation http://finance.forumsee.com/a/m/s/p12-23327-0327380--mineral-rights-valuation.html We are in the process of selling our home in PA (without an agent), which sits on 10 mostly wooded acres. We did not originally intend to convey the mineral rights with the land, but have had seve... Mon, 16 Oct 2017 13:55:41 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327380--mineral-rights-valuation.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T13:55:41Z Best Next Steps - Kids/House/Savings Advise http://finance.forumsee.com/a/m/s/p12-23327-0327379--best-next-steps-kids-house-savings-advise.html In the last few days, I've had a few posts around where my wife and I are in our lives and how we want to continue to grow our assets/set up for our future. I'll try to lay out the financial detai... Mon, 16 Oct 2017 13:55:34 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327379--best-next-steps-kids-house-savings-advise.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T13:55:34Z UTMA accounts http://finance.forumsee.com/a/m/s/p12-23327-0327378--utma-accounts.html Some years ago I populated some UTMA accounts for my kids. At the time it seemed like the right thing to do. However, as they get older I worry about whether they are mature enough to manage that m... Mon, 16 Oct 2017 13:55:26 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327378--utma-accounts.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T13:55:26Z 529 Savings - Is it enough? http://finance.forumsee.com/a/m/s/p12-23327-0327377--529-savings-enough.html Age of the kid = 5 net 529 as of today = 54k monthly contribution = 1k General question - Is it enough to pay for 4 year college, assuming no help from scholarship etc. Should I keep 1k per mo... Mon, 16 Oct 2017 13:55:19 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327377--529-savings-enough.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T13:55:19Z ACA, Tax Exempt Funds and Annuities. http://finance.forumsee.com/a/m/s/p12-23327-0327376--aca-tax-exempt-funds-and-annuities.html Here is my situation. I am self employed, and earn around $27k. Since ACA came about I have gotten insurance including CSR for $80 a month. I have much of my taxable fixed income, over $200k in in ... Mon, 16 Oct 2017 13:55:12 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327376--aca-tax-exempt-funds-and-annuities.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T13:55:12Z good used car. http://finance.forumsee.com/a/m/s/p12-23328-0327342--good-used-car.html hello bogleheads, I'm looking for some recommendations on a good used car/suv with under 100,000 mi. with excellent mpg & excellent track record mechanically for around $10,000 or less....bill Mon, 16 Oct 2017 05:56:01 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327342--good-used-car.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T05:56:01Z contributing to friend's non-profit? http://finance.forumsee.com/a/m/s/p12-23328-0327341--contributing-friend-s-non-profit.html I have a long-time friend who is extremely bright but, for various reasons, his career has moved sideways. Now in his late 50s, he's struggled to land a ft role and instead, has had a string of con... Mon, 16 Oct 2017 05:55:54 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327341--contributing-friend-s-non-profit.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T05:55:54Z Opinions on bicycle disc brakes? http://finance.forumsee.com/a/m/s/p12-23328-0327340--opinions-bicycle-disc-brakes.html I've been bicycling regularly for about 10 years. In that time, I've had my share of mechanical issues, but by far the most tempermental component seems to be brakes. There have been periods of tim... Mon, 16 Oct 2017 05:55:46 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327340--opinions-bicycle-disc-brakes.html Bogleheads • View forum - Personal Consumer Issues 2017-10-16T05:55:46Z Social Security Death Benefits http://finance.forumsee.com/a/m/s/p12-23327-0327339--social-security-death-benefits.html My 15 yr old granddaughter's father died last year. She is now receiving from SS a monthly death benefit until she reaches 18. Does anyone now if that amount is subject to federal income tax? Mon, 16 Oct 2017 05:52:34 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327339--social-security-death-benefits.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:52:34Z Medicare Questions - Please Help http://finance.forumsee.com/a/m/s/p12-23327-0327338--medicare-questions-please-help.html I will be taking Medicare next year and am just starting to learn about it. I have a bunch of questions. I'll start with this these: I am thinking we will need Medicare Advantage, since we ne... Mon, 16 Oct 2017 05:52:26 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327338--medicare-questions-please-help.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:52:26Z UGMA Taxes http://finance.forumsee.com/a/m/s/p12-23327-0327337--ugma-taxes.html For my children's UGMA accounts, their unearned income gains are taxed at 0% for the first $1050, their tax rate for the next $1050, and my tax rate for anything over that. When I'm retired next y... Mon, 16 Oct 2017 05:52:19 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327337--ugma-taxes.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:52:19Z Tax Questions: Exercised ISOs, Company went public http://finance.forumsee.com/a/m/s/p12-23327-0327336--tax-questions-exercised-isos-company-went-public.html Hi Bogleheads, I tried my best to research answers to this question but only got partial answers from previous threads. Situation: Numbers aren't exact, rounded to make it easier: - Exercise... Mon, 16 Oct 2017 05:52:12 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327336--tax-questions-exercised-isos-company-went-public.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:52:12Z Wills/Trust/Estate Planning - How best to review legal documents http://finance.forumsee.com/a/m/s/p12-23327-0327334--wills-trust-estate-planning-how-best-review-legal-documents.html I am in the process of estate planning. I met with a TA attorney a few times and we are now in the drafting stages of wills/trusts. At this point, I am forwarded documentation. This includes abou... Mon, 16 Oct 2017 05:51:57 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327334--wills-trust-estate-planning-how-best-review-legal-documents.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:57Z Calculating max electrical load of your home http://finance.forumsee.com/a/m/s/p12-23327-0327333--calculating-max-electrical-load-your-home.html I'm thinking of upgrading my home electrical service, but before I do I want to be able to calculate the max load my current service can handle. In particular I'm trying to figure out as a practic... Mon, 16 Oct 2017 05:51:50 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327333--calculating-max-electrical-load-your-home.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:50Z Social Security payouts vs. "estimated benefits" online http://finance.forumsee.com/a/m/s/p12-23327-0327332--social-security-payouts-estimated-benefits-online.html I've got a little over 20 years of sequential high earning years in my Social Security record. All years either at the SS limit or very close to it up or down. No years are WAY over however. I t... Mon, 16 Oct 2017 05:51:42 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327332--social-security-payouts-estimated-benefits-online.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:42Z Vanguard's federal ID number for 1099R that hasn't arrived yet http://finance.forumsee.com/a/m/s/p12-23327-0327331--vanguard-s-federal-number-for-1099r-that-hasn-t-arrived-yet.html I'm submitting a 1099R for a Roth excess contribution in 2016, but I won't receive the actual 1099R until 2018. What is Vanguard's federal ID # I should put in the 1099R? I thought I could leave it... Mon, 16 Oct 2017 05:51:19 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327331--vanguard-s-federal-number-for-1099r-that-hasn-t-arrived-yet.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:19Z Trash dumped on curb http://finance.forumsee.com/a/m/s/p12-23327-0327330--trash-dumped-curb.html This may be a stretch as a financial topic, but I know I've read tree/yard disputes between neighbors before. It so happens that the people across from us are in the process of a short sale. They... Mon, 16 Oct 2017 05:51:12 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327330--trash-dumped-curb.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:12Z Pay Off or Refinance? http://finance.forumsee.com/a/m/s/p12-23327-0327329--pay-off-refinance.html I'm looking for comments and critiques of the following situation: New house with 30yr @ 4.375% mortgage that can be refinanced to a 15yr @ 3.1%. $190k owed on mortgage. Assuming you have $2k ... Mon, 16 Oct 2017 05:51:04 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327329--pay-off-refinance.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:51:04Z First Post (gulp) - Request for Advice on selling inherited home http://finance.forumsee.com/a/m/s/p12-23327-0327328--first-post-gulp-request-for-advice-selling-inherited-home.html Hello Bogleheads, I've been a lurker a few years now, causing me to open a Vanguard account, change my investments in my Fidelity account, and convince my husband to max his 401k. I'm really imp... Mon, 16 Oct 2017 05:50:57 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327328--first-post-gulp-request-for-advice-selling-inherited-home.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:50:57Z Health Insurance: HDHP vs PPO with 2 small kids http://finance.forumsee.com/a/m/s/p12-23327-0327327--health-insurance-hdhp-ppo-with-small-kids.html Him: Age=38, Income=130K Her: Age=33, Income=100K Desired AA: 70/30 Emergency Funds - 10 months (@ $5K/ month living expense) $50K (5 year CD Ladder 1.3%-2.3%) Investments (66% stock, 30% ... Mon, 16 Oct 2017 05:50:50 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327327--health-insurance-hdhp-ppo-with-small-kids.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-16T05:50:50Z Storing Lawn Tractor over the Winter http://finance.forumsee.com/a/m/s/p12-23328-0327295--storing-lawn-tractor-over-the-winter.html Just mowed my lawn for what might be the last time here in NH. I bought a Simplicy Broadmoor lawn tractor back in June, and am wondering what you folks think the best option is for storing it in my... Sun, 15 Oct 2017 21:53:30 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327295--storing-lawn-tractor-over-the-winter.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:53:30Z Lien on property in foreclosure http://finance.forumsee.com/a/m/s/p12-23328-0327294--lien-property-foreclosure.html Hi, I have a $10k lien on a property that was just foreclosed on by the city because the owner hasn't paid property taxes. It will soon go to auction, and I am cautiously hopeful that the pr... Sun, 15 Oct 2017 21:53:22 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327294--lien-property-foreclosure.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:53:22Z Tips on Preparing will http://finance.forumsee.com/a/m/s/p12-23328-0327293--tips-preparing-will.html Bogleheads, Very soon I am meeting with attorney through employer provided plan which covers the cost. I understand Trust has certain benefits but next few months I am tied up and probably can'... Sun, 15 Oct 2017 21:53:15 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327293--tips-preparing-will.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:53:15Z college application section - ec,volunteer,work activities http://finance.forumsee.com/a/m/s/p12-23328-0327292--college-application-section-volunteer-work-activities.html I know a young girl in eighth grade. How does she plan (what, when, how etc.) for this section of college application? She has interest in dance, tennis, speech club and art. ec, volunteer, work... Sun, 15 Oct 2017 21:53:08 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327292--college-application-section-volunteer-work-activities.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:53:08Z Is Florida Over, 2017 http://finance.forumsee.com/a/m/s/p12-23328-0327291--florida-over-2017.html I know we have this discussion every now and then, but as I review past threads, and think about this summer, I feel like it's time to ask again: would you move to Florida or invest in Florida real... Sun, 15 Oct 2017 21:53:00 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327291--florida-over-2017.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:53:00Z Amazon Prime - Decline in Delivery Service? http://finance.forumsee.com/a/m/s/p12-23328-0327290--amazon-prime-decline-delivery-service.html Has anyone noticed Amazon losing it's ability to deliver as promised? It used to be rare that packages would arrive late or be marked as delivered even though not delivered. Now less than hal... Sun, 15 Oct 2017 21:52:38 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327290--amazon-prime-decline-delivery-service.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T21:52:38Z ACA Subsidies / HSA accounts / advance premium subsidies / Questions http://finance.forumsee.com/a/m/s/p12-23327-0327289--aca-subsidies-hsa-accounts-advance-premium-subsidies-questions.html ACA Subsidies / HSA accounts / advance premium subsidies / Questions We’ve decided to lower our income for 2018 to qualify for ACA Subsidies. We’ve never received subsidies before so have quest... Sun, 15 Oct 2017 21:49:11 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327289--aca-subsidies-hsa-accounts-advance-premium-subsidies-questions.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:49:11Z 1099R-3 of them for the same plan http://finance.forumsee.com/a/m/s/p12-23327-0327287--1099r-them-for-the-same-plan.html I retired last year. At work, initially, the accounts were transferred from Keogh to 401K. I received one 1099 for that. Then the accounts were transferred to my Roll over IRA. I received another 1... Sun, 15 Oct 2017 21:48:49 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327287--1099r-them-for-the-same-plan.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:48:49Z So I did this...Capital One Money Market $200 bonus http://finance.forumsee.com/a/m/s/p12-23327-0327286--did-this-capital-one-money-market-200-bonus.html I'm not usually one to take advantage of these deals, but this one seemed worth it. Am I missing something? I got a letter from Capital One offering a $200 bonus if I opened a 360 Money Market ... Sun, 15 Oct 2017 21:48:41 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327286--did-this-capital-one-money-market-200-bonus.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:48:41Z Sun Oct 15, 2017 1:20 pm http://finance.forumsee.com/a/m/s/p12-23327-0327285--sun-oct-2017.html Hello! I'm hoping for some advice from the great knowledge base here. I'm a 34 year old, married wth three kids. I work full time civilian employment and serve as a traditional status member of ... Sun, 15 Oct 2017 21:48:34 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327285--sun-oct-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:48:34Z Estimating Taxes http://finance.forumsee.com/a/m/s/p12-23327-0327284--estimating-taxes.html I would like to run some scenario's for my 2018 taxes. I usually end up paying a small amount of AMT. I have some stock options that I need to exercise before 12/31/18 and want to know their impa... Sun, 15 Oct 2017 21:48:20 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327284--estimating-taxes.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:48:20Z Sun Oct 15, 2017 3:10 pm http://finance.forumsee.com/a/m/s/p12-23327-0327283--sun-oct-2017.html I've read about Health Savings Accounts and after hitting my insurances max out of pocket, I want to start saving tax free in the event something comes up. Where do I start? My works offers an H... Sun, 15 Oct 2017 21:48:12 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327283--sun-oct-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:48:12Z Titling accounts in Irrevocable sub trusts http://finance.forumsee.com/a/m/s/p12-23327-0327282--titling-accounts-irrevocable-sub-trusts.html My mom passed away in 2016. Her share of the assets was around $10M comprised of income property, securities and cash. We had everything appraised and filed an estate tax return. My parents join... Sun, 15 Oct 2017 21:47:57 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327282--titling-accounts-irrevocable-sub-trusts.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:47:57Z So many options http://finance.forumsee.com/a/m/s/p12-23327-0327281--many-options.html I've been conversing with Nord a bit on this issue as it relates, partially, to TSP and the new blended retirement system which offers a 5% match, 401k contribution limits and military combat tax f... Sun, 15 Oct 2017 21:47:50 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327281--many-options.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:47:50Z Over $10k in taxes owed for using 529s http://finance.forumsee.com/a/m/s/p12-23327-0327280--over-10k-taxes-owed-for-using-529s.html Anything we should have done differently or should do going forwards? We had two 529 accounts that were fully funded to desired levels for two children (one still on the way) where we ended up w... Sun, 15 Oct 2017 21:47:43 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327280--over-10k-taxes-owed-for-using-529s.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T21:47:43Z Rental property in retirement outstanding capital debt http://finance.forumsee.com/a/m/s/p12-25764-0327279--rental-property-retirement-outstanding-capital-debt.html Consider rental properties in retirement Say they are increasing in value And there is some outstanding debt say 10% At retirement time will the banks allow an indefinite interest only per... Sun, 15 Oct 2017 20:59:53 GMT http://finance.forumsee.com/a/m/s/p12-25764-0327279--rental-property-retirement-outstanding-capital-debt.html Pensions - Askaboutmoney.com 2017-10-15T20:59:53Z Debts no longer on Credit File - can they re-appear? http://finance.forumsee.com/a/m/s/p12-25869-0327276--debts-longer-credit-file-can-they-appear.html Hi All, After many years of stressful negotiations, hard work and lots of help from people on here - I have had a clean Credit File for the past two years. All of my old Debts are off and I ha... Sun, 15 Oct 2017 16:35:40 GMT http://finance.forumsee.com/a/m/s/p12-25869-0327276--debts-longer-credit-file-can-they-appear.html Debt management and Debt self-help 2017-10-15T16:35:40Z Wireless ear buds-Bone conduction headphones http://finance.forumsee.com/a/m/s/p12-23328-0327268--wireless-ear-buds-bone-conduction-headphones.html Hello I have a really hard time finding ear buds that stay in my ear. The Apple ear buds don't stay in at all. I recently tried the Bose wireless ear buds and they stay in but I didn't love the t... Sun, 15 Oct 2017 13:48:26 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327268--wireless-ear-buds-bone-conduction-headphones.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T13:48:26Z What are you driving? And would you buy your current ride again? http://finance.forumsee.com/a/m/s/p12-23328-0327267--what-are-you-driving-and-would-you-buy-your-current-ride-again.html 2012 Fiat 500 and believe it or not it has been problem free with just about 100,000 miles on it. And yes I would buy another. Sun, 15 Oct 2017 13:47:49 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327267--what-are-you-driving-and-would-you-buy-your-current-ride-again.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T13:47:49Z Social Security - Maximizing a couples benefits http://finance.forumsee.com/a/m/s/p12-23327-0327266--social-security-maximizing-couples-benefits.html Getting close to the age of getting paid. I have significantly greater income history that my wife. I also expect she will outlive me. My current plan is to take benefits starting at 62.5. ... Sun, 15 Oct 2017 13:42:58 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327266--social-security-maximizing-couples-benefits.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T13:42:58Z ACA stay below 250% FPL for 2017? http://finance.forumsee.com/a/m/s/p12-23327-0327265--aca-stay-below-250-fpl-for-2017.html Is there any reason why I should still try to stay below 250% FPL for this year 2017 given the upheaval about CSR for 2018? Last year it worked out that my MAGI put me at less than 250% FPL. ... Sun, 15 Oct 2017 13:42:51 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327265--aca-stay-below-250-fpl-for-2017.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T13:42:51Z What do you buy in Asian food stores? http://finance.forumsee.com/a/m/s/p12-23328-0327246--what-you-buy-asian-food-stores.html I wanted to buy some natto, Japanese fermented soybeans. I found a few local Asian food stores and visited them in search for natto. The last and the biggest one had what I was looking for. But ... Sun, 15 Oct 2017 05:44:12 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327246--what-you-buy-asian-food-stores.html Bogleheads • View forum - Personal Consumer Issues 2017-10-15T05:44:12Z Use wife's traditional IRA to pay off house? http://finance.forumsee.com/a/m/s/p12-23327-0327245--use-wife-s-traditional-ira-pay-off-house.html Our total retirement portfolio is in the low 7 figures. Out of that amount, my wife has a small traditional IRA of about $38K. She also has a small Roth of about $6K. She'll be eligible t... Sun, 15 Oct 2017 05:38:30 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327245--use-wife-s-traditional-ira-pay-off-house.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T05:38:30Z Brokerage account recommendation http://finance.forumsee.com/a/m/s/p12-23327-0327244--brokerage-account-recommendation.html Hi bogleheads! My sis and I convinced our dad to switch out of BMO Canada Dividend fund (MER 1.8% ) into a Canadian version of Vanguard ETF (either FTSE Canada Index ETF or FTSE Canada All... Sun, 15 Oct 2017 05:38:22 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327244--brokerage-account-recommendation.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T05:38:22Z Blue collar (or other) roots and your path to financial independence. Steps and tips for others? http://finance.forumsee.com/a/m/s/p12-23327-0327243--blue-collar-or-other-roots-and-your-path-financial-independence-steps-and-tips-for-others.html What are your "blue collar" (or similar) working roots and your path to financial independence? Actionable and conceptual steps and/or tips you would give to your child, grandchild, or other as a ... Sun, 15 Oct 2017 05:38:15 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327243--blue-collar-or-other-roots-and-your-path-financial-independence-steps-and-tips-for-others.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T05:38:15Z Tax question regarding estimated taxes http://finance.forumsee.com/a/m/s/p12-23327-0327242--tax-question-regarding-estimated-taxes.html All, I am a partner in my group. I receive a w2 salary. In addition I now receive 1000/month distribution. Nothing is withheld on the distribution. The amount is fixed for the foreseeable future... Sun, 15 Oct 2017 05:38:08 GMT http://finance.forumsee.com/a/m/s/p12-23327-0327242--tax-question-regarding-estimated-taxes.html Bogleheads • View forum - Personal Finance (Not Investing) 2017-10-15T05:38:08Z Unauthorized credit pull from Marlette Funding DBA Best Egg? http://finance.forumsee.com/a/m/s/p12-23328-0327215--unauthorized-credit-pull-from-marlette-funding-dba-best-egg.html I just pulled my annual credit report and see that there was a credit pull last year from Marlette Funding, which seems to offer a personal loan service called Best Egg. I have never used Best E... Sat, 14 Oct 2017 21:42:20 GMT http://finance.forumsee.com/a/m/s/p12-23328-0327215--unauthorized-credit-pull-from-marlette-funding-dba-best-egg.html Bogleheads • View forum - Personal Consumer Issues 2017-10-14T21:42:20Z