Forumsee - Personal Finance https://finance.forumsee.com/a/m/c/finance-investment-personal-finance-13056 Reimbursement for COBRA considered taxable income? https://finance.forumsee.com/v/reimbursement-cobra-considered-taxable-income-353869 Took a severance package and retired recently. As a part of the package, my previous employer is going to reimburse me for COBRA payments for the rest of the year. The way it is spelled out in th... Thu, 22 Feb 2018 04:10:40 GMT https://finance.forumsee.com/v/reimbursement-cobra-considered-taxable-income-353869 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:10:40Z Advice on Intial SS Filing https://finance.forumsee.com/v/advice-intial-filing-353868 My wife filed today for her own benefit online which will begin in June when she is 64 and 11 months. I had one question about first filing for my wife's and then my restricted application, and ask... Thu, 22 Feb 2018 04:10:33 GMT https://finance.forumsee.com/v/advice-intial-filing-353868 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:10:33Z Rental income from overseas https://finance.forumsee.com/v/rental-income-overseas-353866 I have inherited rental income from overseas due to loss of my mother. These assets are in a country where renters pay a witholding tax of 25% of the rent to local city every month. For instance... Thu, 22 Feb 2018 04:10:11 GMT https://finance.forumsee.com/v/rental-income-overseas-353866 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:10:11Z Investopedia: Seniors Get a New Simplified Tax Form for 2019 https://finance.forumsee.com/v/investopedia-seniors-new-simplified-tax-form-2019-353865 The Budget Act signed into law this month apparently will create a new simplified tax filing form especially for seniors. 1040SR, which won’t be available until 2020 for the 2019 tax year, is only ... Thu, 22 Feb 2018 04:10:03 GMT https://finance.forumsee.com/v/investopedia-seniors-new-simplified-tax-form-2019-353865 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:10:03Z Short Term Health Insurance, HSA eligibility https://finance.forumsee.com/v/short-term-health-insurance-hsa-eligibility-353864 Hi all, ACA seems to be sticking around and the rates keep going up so I decided against having insurance and I'm looking at other options. I just saw a news article saying Trump has proposed l... Thu, 22 Feb 2018 04:09:48 GMT https://finance.forumsee.com/v/short-term-health-insurance-hsa-eligibility-353864 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:09:48Z Rant about Savings Rate https://finance.forumsee.com/v/rant-savings-rate-353863 I get annoyed and frustrated when I read about "savings rate". I simply don't know what that means, and have decided to stop caring about it once I finish typing this post. It just seems waaaaaay m... Thu, 22 Feb 2018 04:09:41 GMT https://finance.forumsee.com/v/rant-savings-rate-353863 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:09:41Z Pay off car debt or invest? https://finance.forumsee.com/v/pay-car-debt-invest-353862 Hi, I needed some objective advice: I currently have a car loan for 19,900 at 3.49% interest and paying $350 a month. I made this purchase before I learned about BH and investing. I receive... Thu, 22 Feb 2018 04:09:25 GMT https://finance.forumsee.com/v/pay-car-debt-invest-353862 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:09:25Z Q: Reasonable 401k Plan Admin Fees, 1000-person company? https://finance.forumsee.com/v/reasonable-401k-plan-admin-fees-1000-person-company-353860 What are reasonable 401k Plan Administration Fees for a 1000-person company, when the fees are paid out of the Employee's 401k assets? Background: My wife works at a 1000-person company with Fid... Thu, 22 Feb 2018 04:09:02 GMT https://finance.forumsee.com/v/reasonable-401k-plan-admin-fees-1000-person-company-353860 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:09:02Z Rental Property Tax form - Nonresident alien married to US Citizen https://finance.forumsee.com/v/rental-property-tax-form-nonresident-alien-married-citizen-353859 I married my wife in 2017. She has a company that manages her rental property in a lease back situation. Prior to the marriage she was treated as a non resident alien for 2016 taxes. I notified... Thu, 22 Feb 2018 04:08:55 GMT https://finance.forumsee.com/v/rental-property-tax-form-nonresident-alien-married-citizen-353859 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:08:55Z Military FIRE; 7 years to go & losing motivation--HELP! https://finance.forumsee.com/v/military-years-losing-motivation-help-353858 Bogleheads, I am currently an E-7 in the Army with about 13 years of service and trying to hold on until the 20 year mark where I will be eligible for a government pension and very low cost heal... Thu, 22 Feb 2018 04:08:48 GMT https://finance.forumsee.com/v/military-years-losing-motivation-help-353858 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:08:48Z Looking into Hands Off Commercial Real Estate https://finance.forumsee.com/v/looking-hands-commercial-real-estate-353856 I need some discussion/suggestions/pointers as how to invest the proceeds from our Medical Office Building Sale, Some background info – I am 61, DW is 56, retired on disability few years back... Thu, 22 Feb 2018 04:08:33 GMT https://finance.forumsee.com/v/looking-hands-commercial-real-estate-353856 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-22T04:08:33Z Alternate Internet Service - Philadelphia PA https://finance.forumsee.com/v/alternate-internet-service-philadelphia-353789 We are trying to find basic internet service is Philadelphia besides the monopoly of Comcast and Verizon - for both cost and freedom of choice. We already know that this monopoly will not be overc... Wed, 21 Feb 2018 20:11:43 GMT https://finance.forumsee.com/v/alternate-internet-service-philadelphia-353789 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:11:43Z Legality of sharing online services https://finance.forumsee.com/v/legality-sharing-online-services-353788 Interesting article - https://www.washingtonpost.com/news/the ... fff72a015d Wed, 21 Feb 2018 20:11:36 GMT https://finance.forumsee.com/v/legality-sharing-online-services-353788 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:11:36Z Costco 'Goodyear' wiper blades https://finance.forumsee.com/v/costco-goodyear-wiper-blades-353787 I recently bought a pair of the Costco Goodyear wiper blades. (I have no idea who actually makes them but they are sold as Goodyear) Simply look online for the appropriate size for your vehicle be... Wed, 21 Feb 2018 20:11:29 GMT https://finance.forumsee.com/v/costco-goodyear-wiper-blades-353787 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:11:29Z Need VISA - 1.5% plus mobile alerts https://finance.forumsee.com/v/need-visa-plus-mobile-alerts-353786 Looking for a Visa card with atleast 1.5% and must be able to get mobile alerts on charges. Wanted Capital One Quicksilver but CO hates my churn with them. Thanks Wed, 21 Feb 2018 20:11:21 GMT https://finance.forumsee.com/v/need-visa-plus-mobile-alerts-353786 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:11:21Z When is Costco cash back coupon arriving? https://finance.forumsee.com/v/costco-cash-coupon-arriving-353785 Anyone know when the Costco coupon is supposed to arrive? My brother mentioned it's online only now, no paper letter. Wed, 21 Feb 2018 20:11:13 GMT https://finance.forumsee.com/v/costco-cash-coupon-arriving-353785 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:11:13Z $20,000 question - Galapagos or Serengeti safari ? https://finance.forumsee.com/v/-20-000-question-galapagos-serengeti-safari-353784 Bogleheads, need your expert opinions - family wants to go see wild animals in 2019. Family gets what family wants. Both trips roughly cost out to be the same all in for our family size. Did resear... Wed, 21 Feb 2018 20:10:58 GMT https://finance.forumsee.com/v/-20-000-question-galapagos-serengeti-safari-353784 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:10:58Z Lawn care, especially bare, shaded spots https://finance.forumsee.com/v/lawn-care-especially-bare-shaded-spots-353783 Preface: I'm looking for solutions that are approximately an intersection of low-ish cost, low hassle (minimal time), and decent end result (attractive, full lawn). I'm also not looking to get a P... Wed, 21 Feb 2018 20:10:43 GMT https://finance.forumsee.com/v/lawn-care-especially-bare-shaded-spots-353783 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:10:43Z Cedar Roof https://finance.forumsee.com/v/cedar-roof-353782 Good morning, Bogleheads! Tell me about any experience you have with a home with a cedar roof. We are under contract to buy one and I'm wondering about care, maintenance, pitfalls, longevity, issue... Wed, 21 Feb 2018 20:10:36 GMT https://finance.forumsee.com/v/cedar-roof-353782 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T20:10:36Z Is student loan interest paid upon loan consolidation deductible? https://finance.forumsee.com/v/student-loan-paid-loan-consolidation-deductible-353780 Hi all. The title is my question. When a student loan is paid off via consolidation, the interest on the previous loan is considered paid, and the lender sends out a 1098-E with the interest pai... Wed, 21 Feb 2018 20:06:43 GMT https://finance.forumsee.com/v/student-loan-paid-loan-consolidation-deductible-353780 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:06:43Z New HSA and Impact on FSA Balance https://finance.forumsee.com/v/new-hsa-impact-fsa-balance-353779 Hello all. After considering it for the past two years I finally decided to switch to a HDHP with HSA this year. I had previously used an FSA and rolled over $500 remaining balance this year. I fig... Wed, 21 Feb 2018 20:06:28 GMT https://finance.forumsee.com/v/new-hsa-impact-fsa-balance-353779 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:06:28Z Deducting Scholarly Book Donation - Form 8283 Question https://finance.forumsee.com/v/deducting-scholarly-book-donation-form-8283-question-353778 My wife died a few years ago; she was a college professor (in the humanities) at the time of her death. In 2017 I finally cleaned out her home office (hundreds of scholarly books!) and donated the... Wed, 21 Feb 2018 20:06:21 GMT https://finance.forumsee.com/v/deducting-scholarly-book-donation-form-8283-question-353778 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:06:21Z Child's tax return question / parents form 8615 https://finance.forumsee.com/v/child-s-tax-return-question-parents-form-8615-353777 Hi. As mentioned in a separate post (I wanted to start a new post for this specific question), I have to do separate returns for my kids (ages 6 and 10), because they have capital gains (1099-B). ... Wed, 21 Feb 2018 20:06:13 GMT https://finance.forumsee.com/v/child-s-tax-return-question-parents-form-8615-353777 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:06:13Z Tax exempt interest lowers our income tax! https://finance.forumsee.com/v/tax-exempt-lowers-income-tax-353776 I got our federal taxes almost done, but then remembered we had $265 of tax-exempt interest (I forgot about it because we did not receive a 1099). When I added in the $265 income, I was surprise... Wed, 21 Feb 2018 20:06:06 GMT https://finance.forumsee.com/v/tax-exempt-lowers-income-tax-353776 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:06:06Z How am I really doing for retirement savings? https://finance.forumsee.com/v/really-doing-retirement-savings-353775 We're looking at our budgets carefully right now. With two growing kids, we're finding that our budget is tighter today than it was a few years ago, when we had 1 little kid, which then felt tighte... Wed, 21 Feb 2018 20:05:59 GMT https://finance.forumsee.com/v/really-doing-retirement-savings-353775 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:05:59Z is inheriting land out of an LLC a taxable event? https://finance.forumsee.com/v/inheriting-land-llc-taxable-event-353774 I need to know if this is a "taxable event." My parent passed away and our family farm is in an LLC. My brother and I have agreed to split the farm between us. If I receive my half as inheritance O... Wed, 21 Feb 2018 20:05:44 GMT https://finance.forumsee.com/v/inheriting-land-llc-taxable-event-353774 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:05:44Z Any cons in splitting a large purchase between two credit cards? https://finance.forumsee.com/v/cons-splitting-large-purchase-credit-cards-353773 We are going on a trip and I put a the initial down payment (plane tix & hotel deposits, etc.) on my old school AmEx Blue Cash that requires an initial $6,500 before the higher cash back percentage... Wed, 21 Feb 2018 20:05:36 GMT https://finance.forumsee.com/v/cons-splitting-large-purchase-credit-cards-353773 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:05:36Z Need an education on Insurance https://finance.forumsee.com/v/need-education-insurance-353772 I have some rental properties and my brother and I own one together (a house rented to a non-profit organization). We, individually, received quotes from our respective insurance agents for the ho... Wed, 21 Feb 2018 20:05:28 GMT https://finance.forumsee.com/v/need-education-insurance-353772 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:05:28Z HSA not returning excess contributions - options? https://finance.forumsee.com/v/hsa-returning-excess-contributions-options-353771 Hi all, My wife has an HSA with BenefitWallet through her employer. Last year (2017) was her first year having one. We did not have payroll deductions set up to automatically contribute, which w... Wed, 21 Feb 2018 20:05:21 GMT https://finance.forumsee.com/v/hsa-returning-excess-contributions-options-353771 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:05:21Z Interested on opinions on paying off low-rate ARM https://finance.forumsee.com/v/interested-opinions-paying-low-rate-arm-353769 I live in a HCOL area and have about 500k due on a house. The current rate is at 2.4% but only for 5 years, where current rates put the first reset rate at north of 5%. I'm debating paying off the ... Wed, 21 Feb 2018 20:04:58 GMT https://finance.forumsee.com/v/interested-opinions-paying-low-rate-arm-353769 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:58Z What UN-frugal thing do you do? https://finance.forumsee.com/v/frugal-thing-353768 I think it's pretty well understood that most of us around here focus our energies on financial responsibility and being good stewards of the money we have. Simply stated, a good portion of the fo... Wed, 21 Feb 2018 20:04:51 GMT https://finance.forumsee.com/v/frugal-thing-353768 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:51Z Spousal tIRA eligibility if one 401k contribution made during year https://finance.forumsee.com/v/spousal-tira-eligibility-401k-contribution-year-353767 My wife was on leave from her job at the end of 2017, resigned on January 5, 2018, and received one paycheck in 2018 (for PTO applied to 2017). Some of that paycheck was a contribution to her 401k... Wed, 21 Feb 2018 20:04:43 GMT https://finance.forumsee.com/v/spousal-tira-eligibility-401k-contribution-year-353767 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:43Z Pay cash or get mortgage for 2nd home? https://finance.forumsee.com/v/pay-cash-mortgage-2nd-home-353766 I’m planning to buy a second home in Arizona to spend winters in. I can pay cash but is that the smart thing to do? Would it be better to get a 30 year mortgage and make payments with money inves... Wed, 21 Feb 2018 20:04:36 GMT https://finance.forumsee.com/v/pay-cash-mortgage-2nd-home-353766 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:36Z Tax Benefits for Higher Education https://finance.forumsee.com/v/tax-benefits-higher-education-353765 I'm having some confusion about how these would apply to the 2017 tax return, assuming income level requirements are met. Our kids have already used up the American Opportunity Tax Credit and are n... Wed, 21 Feb 2018 20:04:28 GMT https://finance.forumsee.com/v/tax-benefits-higher-education-353765 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:28Z Evaluate my first Roth conversion / 22% tax bracket avoidance strategy https://finance.forumsee.com/v/evaluate-roth-conversion-22-tax-bracket-avoidance-strategy-353764 This is my first time messing around with Roth conversions, and I want to do so in as tax-efficient a manner as possible. I appreciate your insight! Situation I'm 33 years old, married, with o... Wed, 21 Feb 2018 20:04:21 GMT https://finance.forumsee.com/v/evaluate-roth-conversion-22-tax-bracket-avoidance-strategy-353764 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:21Z Tax Help please: Child & Dependent Care Expenses https://finance.forumsee.com/v/tax-help-child-dependent-care-expenses-353762 My wife and I file jointly in New Jersey and spent about $14K in 2017 on daycare for our child for the first time. I have access to a Dependent Care benefit program via my employer...due to my inc... Wed, 21 Feb 2018 20:04:06 GMT https://finance.forumsee.com/v/tax-help-child-dependent-care-expenses-353762 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T20:04:06Z Any accountants? https://finance.forumsee.com/v/accountants-353688 I need some help understanding a GAAP claim my employer has made, that potentially impacts my compensation. Wed, 21 Feb 2018 12:06:49 GMT https://finance.forumsee.com/v/accountants-353688 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T12:06:49Z Mental Accounting -- How to solve problem https://finance.forumsee.com/v/mental-accounting-solve-problem-353687 So, I am a firm believer that the only way to improve your finances is to understand the pitfalls which you are prone to, and try to find ways to overcome these issues. For me, the absolute, bigg... Wed, 21 Feb 2018 12:06:34 GMT https://finance.forumsee.com/v/mental-accounting-solve-problem-353687 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T12:06:34Z Tax riddle https://finance.forumsee.com/v/tax-riddle-353683 First off, I fully intend on consulting a CPA for the issue that I'm presenting here. The issue at hand will affect my spouse and I next year when we file our 2018 taxes, which we intend to file Ma... Wed, 21 Feb 2018 12:00:06 GMT https://finance.forumsee.com/v/tax-riddle-353683 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T12:00:06Z Part Time CA resident how to file taxes https://finance.forumsee.com/v/time-resident-file-taxes-353682 I moved out of CA in July and moved to WA. I inputed my tax info into turbo tax and it says I actually owe money to CA. I was expecting a lot back in state income taxes because half my salary was... Wed, 21 Feb 2018 11:59:51 GMT https://finance.forumsee.com/v/time-resident-file-taxes-353682 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T11:59:51Z Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help? https://finance.forumsee.com/v/need-help-understanding-2017-aca-insurance-28-690-tax-liabilities-confused-help-353681 Couple: Age 64 Residence: Arizona Medical Insurance: ACA - Blue Cross Blue Shield of Arizona (only one available) "Silver Plan" Monthly payment with ACA "subsidy" $484 Monthly payment if withou... Wed, 21 Feb 2018 11:59:44 GMT https://finance.forumsee.com/v/need-help-understanding-2017-aca-insurance-28-690-tax-liabilities-confused-help-353681 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T11:59:44Z Advice please: overpaid by previous employer, encountering incompetence when attempting to repay https://finance.forumsee.com/v/advice-overpaid-previous-employer-encountering-incompetence-attempting-repay-353680 My wife's last day at Megacorp was December 29, 2017. She had accrued almost exactly two weeks of PTO, which we expected to be paid out at some point in January—so when a normal-sized direct deposi... Wed, 21 Feb 2018 11:59:29 GMT https://finance.forumsee.com/v/advice-overpaid-previous-employer-encountering-incompetence-attempting-repay-353680 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T11:59:29Z How can I get personal loans with a lower interest rate? https://finance.forumsee.com/v/personal-loans-lower-rate-353660 A Personal loan is taken by an Individual to fulfill his/her personal needs. Repayment can be done through fixed EMI over a fixed term. No guarantor or co-applicant is required. TIPS to get lowe... Wed, 21 Feb 2018 09:00:08 GMT https://finance.forumsee.com/v/personal-loans-lower-rate-353660 Personal Loans - The Finance Forums 2018-02-21T09:00:08Z How can we get online poor credit loans no guarantor ? https://finance.forumsee.com/v/online-poor-credit-loans-guarantor-353659 How can we get online poor credit loans no guarantor ? Wed, 21 Feb 2018 09:00:01 GMT https://finance.forumsee.com/v/online-poor-credit-loans-guarantor-353659 Personal Loans - The Finance Forums 2018-02-21T09:00:01Z 8 simple ways to save money https://finance.forumsee.com/v/simple-ways-save-money-353658 8 simple ways to save money     Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week mi... Wed, 21 Feb 2018 08:55:45 GMT https://finance.forumsee.com/v/simple-ways-save-money-353658 Money Talk :: Personal Finance Forum 2018-02-21T08:55:45Z Personal Loan (for car) refused? https://finance.forumsee.com/v/personal-loan-for-car-refused-353633 I applied for a loan for my car (same as i did in the past) for 20+ K. They refused the cash and want me to take out a HP agreement instead. My credit history is A1 etc. Has anybody else ... Wed, 21 Feb 2018 04:55:24 GMT https://finance.forumsee.com/v/personal-loan-for-car-refused-353633 Banking, credit cards, etc - Askaboutmoney.com 2018-02-21T04:55:24Z Payoff mortgage https://finance.forumsee.com/v/payoff-mortgage-353627 Me and the wife are hammering out our mortgage!!! Down to $29000. Want it done by time baby comes in june. Any advice on how to really hammer it? Wed, 21 Feb 2018 04:29:41 GMT https://finance.forumsee.com/v/payoff-mortgage-353627 Personal Finance Forum - Saving Advice 2018-02-21T04:29:41Z frustrated with patek philippe poor service https://finance.forumsee.com/v/frustrated-patek-philippe-poor-service-353621 What would you do? I have a vintage gold patek with very strong sentimental value, given to me. It works alright (automatic) but is too small for my wrist. From what I can tell online, the watch... Wed, 21 Feb 2018 04:06:02 GMT https://finance.forumsee.com/v/frustrated-patek-philippe-poor-service-353621 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T04:06:02Z Multiple Offer situation/should we pull our offer? https://finance.forumsee.com/v/multiple-offer-situation-pull-offer-353620 My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an off... Wed, 21 Feb 2018 04:05:47 GMT https://finance.forumsee.com/v/multiple-offer-situation-pull-offer-353620 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T04:05:47Z Trade my BMW? https://finance.forumsee.com/v/trade-bmw-353618 I currently own a 2013 X3 with 50k miles. One year of the CPO warranty left. No loan...I purchased the vehicle used with cash two years ago for a bit under $30k. KBB currently puts the value jus... Wed, 21 Feb 2018 04:05:25 GMT https://finance.forumsee.com/v/trade-bmw-353618 Bogleheads • View forum - Personal Consumer Issues 2018-02-21T04:05:25Z Auti/Home Insurance with different Companies and Umbrella https://finance.forumsee.com/v/auti-home-insurance-different-companies-umbrella-353617 Long story short, I currently have insurance on my house, 2 cars, and a motorcycle with one insurance company where I currently live. I'm about to move to a different state and have gotten quotes ... Wed, 21 Feb 2018 03:57:29 GMT https://finance.forumsee.com/v/auti-home-insurance-different-companies-umbrella-353617 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:57:29Z Home Refinancing Advice - First Home Buyer https://finance.forumsee.com/v/home-refinancing-advice-home-buyer-353616 H, I'd bought a SFH for 920k 6 months ago. I'd financed it with 80-10-10 jumbo -piggyback(HELOC) loan. Breakdown being 7/1 ARM with an APR of 3.5 for the jumbo loan which is for 736k and a 6% v... Wed, 21 Feb 2018 03:57:21 GMT https://finance.forumsee.com/v/home-refinancing-advice-home-buyer-353616 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:57:21Z New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases https://finance.forumsee.com/v/new-amazon-prime-card-annual-fee-5-amazon-purchases-353615 For prime member, Amazon is offering 5% back when using the Amazon Prime Rewards Visa Signature Card for puchases on Amazon.com For non-prime members, it is 3% Link: Amazon Prime Rewards Visa... Wed, 21 Feb 2018 03:57:14 GMT https://finance.forumsee.com/v/new-amazon-prime-card-annual-fee-5-amazon-purchases-353615 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:57:14Z Auto Ins. Drop Comprehensive and Collision? https://finance.forumsee.com/v/auto-ins-drop-comprehensive-collision-353614 I'm doing my annual online quote gathering to keep my local non captive agent honest. I feel like I should strongly consider dropping comprehensive & collision or should have about 2-3 years ago. ... Wed, 21 Feb 2018 03:56:59 GMT https://finance.forumsee.com/v/auto-ins-drop-comprehensive-collision-353614 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:56:59Z New to FSA and Planning a baby https://finance.forumsee.com/v/new-fsa-planning-baby-353613 Hello Folks, I've been with my company for 3 years now and never had a thought of having a FSA account. We are now planning a baby which would be within this year (hopefully). I've missed th... Wed, 21 Feb 2018 03:56:36 GMT https://finance.forumsee.com/v/new-fsa-planning-baby-353613 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:56:36Z Can you transfer money with TransferWise directly to Vanguard? https://finance.forumsee.com/v/transfer-money-transferwise-directly-vanguard-353612 I would like to send money from abroad via TransferWise directly to my Vanguard Prime Money Market account. When I choose "bank transfer" on their website, TransferWise asks me for routing and acco... Wed, 21 Feb 2018 03:56:29 GMT https://finance.forumsee.com/v/transfer-money-transferwise-directly-vanguard-353612 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:56:29Z COBRA and Form 1095-C https://finance.forumsee.com/v/cobra-form-1095-353611 I was employed at company A for 3 months in 2017, was then covered by the company for 3 more months under COBRA. I then switched to another company's plan. I've received a 1095-C from Company A... Wed, 21 Feb 2018 03:56:21 GMT https://finance.forumsee.com/v/cobra-form-1095-353611 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:56:21Z Sales tax deduction - definition of "renovation" https://finance.forumsee.com/v/sales-tax-deduction-definition-renovation-353610 Per Publication 600, folks can write off sales taxes against income for federal income tax. The IRS provides two options for deducting sales tax. You can either deduct the total amount of sales tax... Wed, 21 Feb 2018 03:56:14 GMT https://finance.forumsee.com/v/sales-tax-deduction-definition-renovation-353610 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:56:14Z Commercial Investing via 1031 Exchange or not https://finance.forumsee.com/v/commercial-investing-1031-exchange-353609 We are selling our medical office building located about an hour away & want to invest in hands off commercial real estate with no day to day responsibilities for diversification among other benefi... Wed, 21 Feb 2018 03:55:59 GMT https://finance.forumsee.com/v/commercial-investing-1031-exchange-353609 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:59Z Paying off car loan good for credit? https://finance.forumsee.com/v/paying-car-loan-good-credit-353608 Hey All, Seems like a fairly obvious question but to me it isn't. I currently have 2 car loans. One of them I just realized only has $5k left on it. The payments are small, about $250/month. All... Wed, 21 Feb 2018 03:55:52 GMT https://finance.forumsee.com/v/paying-car-loan-good-credit-353608 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:52Z Maximize our Social Security Benefits https://finance.forumsee.com/v/maximize-social-security-benefits-353607 I’ll turn 70 in August and can receive $3333/mo now and $3455 then when benefits need to start. My spouse turns 62 in May and will be eligible for $1011 / mo at that time. She could collect $170... Wed, 21 Feb 2018 03:55:44 GMT https://finance.forumsee.com/v/maximize-social-security-benefits-353607 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:44Z Horrible Experience with Ally New Account Opening Process https://finance.forumsee.com/v/horrible-experience-ally-new-account-opening-process-353606 I applied last week online for new checking and savings accounts with Ally. Got a message saying they got my application but they would get back in 3-5 business days. I had a security freeze on my ... Wed, 21 Feb 2018 03:55:37 GMT https://finance.forumsee.com/v/horrible-experience-ally-new-account-opening-process-353606 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:37Z Giving up on first home https://finance.forumsee.com/v/giving-home-353605 I'm in escrow buying my first home and totally overwhelmed. Between my realtor pulling one way, my lawyers pulling another way, dealing with the seller, disclosures, and inspections I'm thinking o... Wed, 21 Feb 2018 03:55:30 GMT https://finance.forumsee.com/v/giving-home-353605 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:30Z Re-characterization Analysis -- Should I or Shouldn't I https://finance.forumsee.com/v/characterization-analysis-shouldn-t-353604 All, I could use some help in analyzing a tax question--should I re characterize my Roth Conversion or leave it be? Background 1. I did an In-Kind Roth Conversion in 2017 of $34,315.45 (my v... Wed, 21 Feb 2018 03:55:22 GMT https://finance.forumsee.com/v/characterization-analysis-shouldn-t-353604 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:22Z House rewiring - cost of copper https://finance.forumsee.com/v/house-rewiring-cost-copper-353603 Hello gang! I'm getting a quote in the next few days to rewrite my home's electrical. For background, we purchased it 2 years ago, after it was renovated, and it was built in 1939 - so, an older... Wed, 21 Feb 2018 03:55:15 GMT https://finance.forumsee.com/v/house-rewiring-cost-copper-353603 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:15Z Safe to file taxes now? https://finance.forumsee.com/v/safe-file-taxes-353602 Wondering if anyone has filed their personal income taxes for 2017. Has Vanguard ever issued a corrected 1099 for their brokerage? I don't want to file then receive a corrected 1099 and have to ame... Wed, 21 Feb 2018 03:55:08 GMT https://finance.forumsee.com/v/safe-file-taxes-353602 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-21T03:55:08Z Warren Buffett Wins His Multi-Million Dollar Long Bet https://finance.forumsee.com/v/warren-buffett-wins-multi-million-dollar-long-bet-353574 Here is the story: About ten years ago, Buffett said that index funds would beat actively managed funds when performance is measured net of fees. Looks like's been correct. Quote: ... Tue, 20 Feb 2018 22:12:07 GMT https://finance.forumsee.com/v/warren-buffett-wins-multi-million-dollar-long-bet-353574 Investing & Banking Forum - Saving Advice 2018-02-20T22:12:07Z New Age Money Laundering/Identity theft via Amazon https://finance.forumsee.com/v/new-age-money-laundering-identity-theft-amazon-353544 Watch out if you turn up as an author on Amazon. I like Amazon as a consumer, but their handling of this is pretty disgraceful. https://krebsonsecurity.com/2018/02/mon ... on-amazon/ Tue, 20 Feb 2018 20:03:28 GMT https://finance.forumsee.com/v/new-age-money-laundering-identity-theft-amazon-353544 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:03:28Z Secure File-Share Service for Small NPO https://finance.forumsee.com/v/secure-file-share-service-small-npo-353543 Wondering if anyone has experience with this. I'm on the board for our local youth baseball league that serves roughly 600 kids. To put it mildly, the storage and record retention policies are a me... Tue, 20 Feb 2018 20:03:21 GMT https://finance.forumsee.com/v/secure-file-share-service-small-npo-353543 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:03:21Z Furnace Setting for Vacation https://finance.forumsee.com/v/furnace-setting-vacation-353542 What do you folks do when vacationing? I realize there are many variables but for a moderate climate between 30-50degress, how low do you set your temp. I have a gas forced air that I lower to 6... Tue, 20 Feb 2018 20:03:13 GMT https://finance.forumsee.com/v/furnace-setting-vacation-353542 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:03:13Z 26 foot Box Truck Rental Questions https://finance.forumsee.com/v/foot-box-truck-rental-questions-353541 Hello, I am finally pulling the plug and relocating from a HCOL to a LCOL area (and raising a Timber Frame that I cut). I am going to be driving a 26' Penske about 2600 miles. I'm basically ge... Tue, 20 Feb 2018 20:03:06 GMT https://finance.forumsee.com/v/foot-box-truck-rental-questions-353541 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:03:06Z Scratch-removal products for cars https://finance.forumsee.com/v/scratch-removal-products-cars-353540 My mechanic has a special formula for removing scratches from cars. Out of respect I haven't asked him to divulge the formula since in the past, he's done the scratch-removal for free. His form... Tue, 20 Feb 2018 20:02:58 GMT https://finance.forumsee.com/v/scratch-removal-products-cars-353540 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:02:58Z Lawn spraying https://finance.forumsee.com/v/lawn-spraying-353539 I noticed in recent days that TruGreen is spraying some chemicals on many neighbor's lawn (bermuda grass). I assume this is for weed control. Since I see weeds emerging from my lawn, I was hopi... Tue, 20 Feb 2018 20:02:51 GMT https://finance.forumsee.com/v/lawn-spraying-353539 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:02:51Z Price of home heating oil vs gasoline? https://finance.forumsee.com/v/price-home-heating-oil-gasoline-353538 I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn'... Tue, 20 Feb 2018 20:02:36 GMT https://finance.forumsee.com/v/price-home-heating-oil-gasoline-353538 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:02:36Z Paying for expedited credit card replacements? https://finance.forumsee.com/v/paying-expedited-credit-card-replacements-353537 Many years ago in college, I lost my credit card and when I called to have it replaced, they sent it to me overnight at their cost. Presumably the purpose was for good customer service and stopping... Tue, 20 Feb 2018 20:02:28 GMT https://finance.forumsee.com/v/paying-expedited-credit-card-replacements-353537 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:02:28Z HugesNet Gen 5 https://finance.forumsee.com/v/hugesnet-gen-353536 Good afternoon! I am in a rural area not currently served by cable internet. Right now I use Verizon Home Fusion and pay $130/mo for 20GB. If I go over that data (which is easy to do!) it is $15... Tue, 20 Feb 2018 20:02:21 GMT https://finance.forumsee.com/v/hugesnet-gen-353536 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T20:02:21Z Capital Gains for two states https://finance.forumsee.com/v/capital-gains-states-353534 I moved from UT to ND almost exactly midway through 2017. My Capital Gains/Losses and dividend totaled ~$11,000 and ~$8000, respectively. 1) Do I need to record these on state taxes for UT an... Tue, 20 Feb 2018 19:45:36 GMT https://finance.forumsee.com/v/capital-gains-states-353534 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:45:36Z Social Security vs Nest Egg Trade-off https://finance.forumsee.com/v/social-security-nest-egg-trade-353533 I was reading How to make your money last by Quinn and she spells out the different claiming strategies one of which is our situation. Higher Earner is 2 years older and spouse will file for spo... Tue, 20 Feb 2018 19:45:28 GMT https://finance.forumsee.com/v/social-security-nest-egg-trade-353533 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:45:28Z Social Security and late life marriage https://finance.forumsee.com/v/social-security-late-life-marriage-353532 I am single, age 60, and in a long term relationship with my girlfriend age 63. Neither of us have ever married, and we have no immediate plans to consider marriage (as they say, "it's complicated"... Tue, 20 Feb 2018 19:45:21 GMT https://finance.forumsee.com/v/social-security-late-life-marriage-353532 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:45:21Z Getting PMI removed - how do broker price opinions (BPOs) work? https://finance.forumsee.com/v/getting-pmi-removed-broker-price-opinions-bpos-work-353531 I have gotten to the point in my mortgage payments where my loan balance is less than 80 percent of the original sale price. I sent my bank a written request and they said the home value needs to b... Tue, 20 Feb 2018 19:45:13 GMT https://finance.forumsee.com/v/getting-pmi-removed-broker-price-opinions-bpos-work-353531 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:45:13Z Stock value for Roth conversion https://finance.forumsee.com/v/stock-value-roth-conversion-353530 I thought this would be an easy web search but no such luck. I know when converting mutual funds from a tIRA to a Roth, the conversion amount for tax purposes is that day's price for the mutual fun... Tue, 20 Feb 2018 19:44:59 GMT https://finance.forumsee.com/v/stock-value-roth-conversion-353530 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:59Z Vanguard 1099-R for Brokerage Acct https://finance.forumsee.com/v/vanguard-1099-brokerage-acct-353529 Vanguard's website says that 1099-Rs will be available in mid-Feb. While it is admittedly barely past mid-Feb, I simply wanted to ask if anyone else with a Vanguard brokerage account has received ... Tue, 20 Feb 2018 19:44:44 GMT https://finance.forumsee.com/v/vanguard-1099-brokerage-acct-353529 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:44Z 2018 federal tax calculator https://finance.forumsee.com/v/2018-federal-tax-calculator-353528 I filed my 2017 taxes last night, my first return as a retiree. In true Boglehead fashion, my thoughts immediately raced to the current tax year and how things will change: standard deduction, a se... Tue, 20 Feb 2018 19:44:29 GMT https://finance.forumsee.com/v/2018-federal-tax-calculator-353528 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:29Z Cyber theft insurance https://finance.forumsee.com/v/cyber-theft-insurance-353527 So the government is apparently doing nothing regarding the Equifax data theft. I inquired with my homeowner's insurance company to see if they offer insurance in the event the crooks were able to ... Tue, 20 Feb 2018 19:44:22 GMT https://finance.forumsee.com/v/cyber-theft-insurance-353527 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:22Z SEPP 72t AND 5 Year Roth Conversion https://finance.forumsee.com/v/sepp-72t-year-roth-conversion-353526 I’m interested in finding out more about using both SEPP and Roth Conversion rules to withdraw from 401k holdings before age 59.5 without the 10% early withdrawal penalty. I see a lot of great i... Tue, 20 Feb 2018 19:44:15 GMT https://finance.forumsee.com/v/sepp-72t-year-roth-conversion-353526 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:15Z Cash out WL policy https://finance.forumsee.com/v/cash-policy-353525 I am trying to cash out a WL policy purchased for me as a child and $11k of the cash value surrendered represents gains and would be taxed at ordinary income rates? Is this correct, I searched aro... Tue, 20 Feb 2018 19:44:07 GMT https://finance.forumsee.com/v/cash-policy-353525 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:07Z Cut down on retirement savings to build emergency fund https://finance.forumsee.com/v/cut-retirement-savings-build-emergency-fund-353524 Here is my dilemma - We have spent down all of our emergency fund. We had a couple of unforeseen house projects come up that we ended up using our emergency fund on. Cash flow is tight right now (2... Tue, 20 Feb 2018 19:44:00 GMT https://finance.forumsee.com/v/cut-retirement-savings-build-emergency-fund-353524 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:44:00Z Investing vs student debt https://finance.forumsee.com/v/investing-student-debt-353523 Hi All, As my first post here I bring you all another investing vs student debt post. Ages: 26/27 Kids: possibility within the next 1 or 2 years Household income: $120K Mortgage: $1,300 S... Tue, 20 Feb 2018 19:43:53 GMT https://finance.forumsee.com/v/investing-student-debt-353523 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T19:43:53Z 1 Days Free Trial By The Grs Solution https://finance.forumsee.com/v/days-free-trial-grs-solution-353489 1 Days Free Trial By The Grs Solution     Want to take a FREE TRIAL? Visit our site link below and become a part of our The Grs Solution fam... Tue, 20 Feb 2018 15:39:24 GMT https://finance.forumsee.com/v/days-free-trial-grs-solution-353489 Money Talk :: Investing, Stocks and Bonds Forum 2018-02-20T15:39:24Z Online Saving Account Based Utility https://finance.forumsee.com/v/online-saving-account-based-utility-353483 Online Saving Account Based Utility     What is online saving Account? As a matter of fact, this administration is only the same as other... Tue, 20 Feb 2018 14:49:39 GMT https://finance.forumsee.com/v/online-saving-account-based-utility-353483 Money Talk :: Earning & Income Forum 2018-02-20T14:49:39Z Separate contributions from occupational pension scheme https://finance.forumsee.com/v/separate-contributions-occupational-pension-scheme-353451 I am currently a member of a private sector defined benefit pension scheme. I am 33 years old and have 10 years paid into this scheme. The fund is fully funded. The company I work for also offe... Tue, 20 Feb 2018 12:09:56 GMT https://finance.forumsee.com/v/separate-contributions-occupational-pension-scheme-353451 Pensions - Askaboutmoney.com 2018-02-20T12:09:56Z Alaska Cruise Suggestions https://finance.forumsee.com/v/alaska-cruise-suggestions-353449 Hi All, The last topic I started was asking for suggestions for my trip to Maui. Everyone's recommendations were so much of a help that I'm asking all of you again to help me with picking an Ala... Tue, 20 Feb 2018 11:57:47 GMT https://finance.forumsee.com/v/alaska-cruise-suggestions-353449 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T11:57:47Z Is this mold or foxing? https://finance.forumsee.com/v/mold-foxing-353448 I have some old photo mounting boards that look like this: https://unsee.cc/78dbe909/ Is this mold or just regular foxing like on books? I am trying to figure out how to "disinfect" it befor... Tue, 20 Feb 2018 11:57:32 GMT https://finance.forumsee.com/v/mold-foxing-353448 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T11:57:32Z New Seattle travel suggestions request https://finance.forumsee.com/v/new-seattle-travel-suggestions-request-353447 I have read previous posts related to summer travel to Seattle but am hoping for updated information. Wife and I are planning a 7-8 day August 2018 trip to the Seattle area to attend a wedding and ... Tue, 20 Feb 2018 11:57:25 GMT https://finance.forumsee.com/v/new-seattle-travel-suggestions-request-353447 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T11:57:25Z Married Filing Separately - Roth IRA oops https://finance.forumsee.com/v/married-filing-separately-roth-ira-oops-353444 I just recently filed Married Filing Separately but didn't realize that this meant I was excluded from Roth IRA contributions for 2017. We filed separately because she has a student loan that's set... Tue, 20 Feb 2018 11:38:41 GMT https://finance.forumsee.com/v/married-filing-separately-roth-ira-oops-353444 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T11:38:41Z How would you proceed at age 29? https://finance.forumsee.com/v/proceed-age-353443 Hi Bogleheads, Thanks for taking the time to read this post. I'm a relatively new lurker and I'm looking for wisdom from all of you. I know there are many avenues that can be taken to wealth... Tue, 20 Feb 2018 11:38:27 GMT https://finance.forumsee.com/v/proceed-age-353443 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T11:38:27Z Spending and saving - am I on it, or in for it? https://finance.forumsee.com/v/spending-saving-353442 I apologize if this isn’t the right place for this post. I just don’t know where else to get advice on my overall financial picture. My financial advisor(s) have seemed useful for looking over 401k... Tue, 20 Feb 2018 11:38:19 GMT https://finance.forumsee.com/v/spending-saving-353442 Bogleheads • View forum - Personal Finance (Not Investing) 2018-02-20T11:38:19Z How do people afford homes in city centers? https://finance.forumsee.com/v/people-afford-homes-city-centers-353383 I live in suburbs near some famously expensive cities on the East Coast. The homes in the city centers start in the millions. I've also spent a lot of time exploring these places, and I know that... Tue, 20 Feb 2018 04:16:19 GMT https://finance.forumsee.com/v/people-afford-homes-city-centers-353383 Personal Finance Forum - Saving Advice 2018-02-20T04:16:19Z Importing 1099 data into H&R Block if you use a password manager? https://finance.forumsee.com/v/importing-1099-data-h-r-block-use-password-manager-353379 H&R Block tax software Anyone run into this? did you copy/paste your password from your password manager into H&R Block tax software to import 1099 info from respective brokerages? (still need to... Tue, 20 Feb 2018 03:53:20 GMT https://finance.forumsee.com/v/importing-1099-data-h-r-block-use-password-manager-353379 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T03:53:20Z IKEA Kitchen Cabinets? https://finance.forumsee.com/v/ikea-kitchen-cabinets-353378 Has anyone had experience purchasing kitchen cabinets from IKEA and having them professionally installed? They seem like a really good deal for the quality and organizational features, plus they m... Tue, 20 Feb 2018 03:53:13 GMT https://finance.forumsee.com/v/ikea-kitchen-cabinets-353378 Bogleheads • View forum - Personal Consumer Issues 2018-02-20T03:53:13Z