Search found 1117 matches

by gatorking
Wed Apr 21, 2021 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 208
Views: 16914

Re: Choosing a university/college for my son a future Computer Science Major

I've been following this thread with interest because my own high school senior is coming down to the wire with his college selection process. He's broadly interested in engineering and computer science. Amongst the places he's been accepted, his top two choices are Purdue engineering (Honors Colle...
by gatorking
Fri Apr 16, 2021 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 84
Views: 6552

Re: What Does College Tuition Really Cost?

I recommend using this website. Change the college to the one you are interested in. The main numbers to look at are: Average Net Price by Income Institutional grants or scholarships - PERCENT RECEIVING AID and AVERAGE AMOUNT OF AID RECEIVED https://nces.ed.gov/collegenavigator/?q=juniata+college&am...
by gatorking
Fri Apr 16, 2021 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Can I make a Roth for my daughter?
Replies: 31
Views: 3093

Re: Can I make a Roth for my daughter?

delamer wrote: Thu Apr 15, 2021 9:44 am Yes, you can fund your child’s Roth with your money and she can keep her earnings.

And yes, you can’t contribute more than the gross on her W-2(s).
I think tip income that doesn't show up on W2 also counts towards the max.
by gatorking
Fri Apr 09, 2021 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contributions by $0.16
Replies: 6
Views: 608

Re: Excess HSA contributions by $0.16

Option 1: Remove in the Current Year If you catch your mistake before you file your taxes, you can avoid all penalties by removing the excess contributions (and any of their earnings) from your HSA and treating them as normal taxable income. Option 2: Apply to a Future Year Alternatively, you can us...
by gatorking
Fri Apr 09, 2021 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contributions by $0.16
Replies: 6
Views: 608

Excess HSA contributions by $0.16

I got an email from my HSA provider about excess contributions - all of $0.16!!
Should I take action on this or just ignore since this will get rounded down anyway?

Thanks.
by gatorking
Wed Apr 07, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3321

Re: The best $10,000 to $15,000 vehicle.

In that price range I would be looking at Honda Civic and Toyota Corolla.
by gatorking
Tue Apr 06, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Carpenter ants in a window
Replies: 7
Views: 604

Re: Carpenter ants in a window

If they are actually ants, I would recommend these traps https://www.terro.com/terro-liquid-ant-baits-2-pack In my experience, when you put them out you will see an increase in the amount of ants, which should last ~ 1 week. If you see a lot of ants, this means they are taking the poison back to th...
by gatorking
Thu Apr 01, 2021 9:41 am
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2055

Re: Resole hiking boots?

I have extended the life of my delaminating Teva sandals by more than a couple of years using Shoe Goo.
by gatorking
Tue Mar 30, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Which State is counted for In State tuition?
Replies: 55
Views: 2875

Re: Which State is counted for In State tuition?

OP should be looking into private colleges that meet 100% of demonstrated need (https://www.diycollegerankings.com/download/colleges-meet-100-need/?wpdmdl=23694&masterkey=5a28a1e57e431). One thing to do immediately is figure out EFC by filling out FAFSA. Some information here: https://www.quora....
by gatorking
Wed Mar 24, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Engineering - Umich (OOS) - Uva (InState)
Replies: 74
Views: 3014

Re: Engineering - Umich (OOS) - Uva (InState)

Median income after Bachelors in Mech Engg (from https://collegescorecard.ed.gov/)
U Mich: 76,070
U Va: 67,571

I would go to U Va, especially if continuing at some point to grad school.
by gatorking
Sat Mar 20, 2021 12:40 pm
Forum: Personal Consumer Issues
Topic: USPS sends federal tax return to state tax office
Replies: 22
Views: 3219

Re: USPS sends federal tax return to state tax office

As far as efile is concerned, our taxes are quite complex, and I really enjoy doing them myself. If you enjoy doing complex taxes yourself, presumably by filling out the forms directly, you'd absolutely love using four different tax applications and getting them all to agree! You'll spend hours jus...
by gatorking
Wed Mar 17, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12416

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

Employers tend to favor recruiting locally, and if they're going to fly somewhere, they tend to fly to big schools that represent prime target-rich environments for recruits. Think of UIUC, Wisconsin, Michigan, UT Austin, etc Recruiter rankings as of 2015 (I could not find anything more recent): ht...
by gatorking
Wed Mar 17, 2021 11:34 am
Forum: Personal Investments
Topic: A few days to decide...Should I Withdraw SS application?
Replies: 21
Views: 1787

Re: A few days to decide...Should I Withdraw SS application?

Seems like withdrawing your application gives you some flexibility. You can see how finances work out (or don't) over the next year or two and refile accordingly.

https://datapulses.com/2020/07/15/dont- ... decisions/
by gatorking
Fri Mar 12, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 163
Views: 18649

Re: ACA subsidy cliff now going away! Yay!

Does the new law impact the "family glitch"? "If a job-based plan available to an individual is deemed affordable by ACA standards and also meets the law’s “minimum value” standard, then that person and their family are not eligible for a premium tax credit if they choose to buy Marke...
by gatorking
Thu Mar 11, 2021 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Include father as dependent or not?
Replies: 2
Views: 373

Include father as dependent or not?

Can I include my father as a dependent on 2020 taxes and file his taxes separately for the $1400 stimulus?
He lives with me and has no income of his own.
by gatorking
Wed Feb 24, 2021 4:22 pm
Forum: Personal Consumer Issues
Topic: A boat for old knees
Replies: 46
Views: 3547

Re: A boat for old knees

Switch to a standup paddling (w/ or w/o a chair)

https://www.youtube.com/watch?v=intZtvX9QSo
by gatorking
Tue Feb 23, 2021 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12579

Changes to Fidelity Visa Signature Card

[Thread merged into here --admin LadyGeek] "Here’s what’s changing: Effective April 1, 2021, the following benefits will expire and will no longer be available: Auto Rental Collision Damage Waiver and Extended Warranty Protection." I normally ignore these emails from Fidelity or don't pay...
by gatorking
Tue Feb 23, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18470

Re: Any expats retired in europe? How much needed to retire?

Check out https://internationalliving.com/
The main page has a link to an overly simplified overseas retirement calculator.
by gatorking
Fri Feb 12, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and ACA
Replies: 2
Views: 587

Early retirement and ACA

Thinking of early retirement at age 50 and have a question about ACA eligibility. My spouse (age 49) will continue working. Employment does provide insurance at a premium of $80 for individual and $400 for family (biweekly). Can I and our child get coverage on ACA marketplace or will be be forced to...
by gatorking
Mon Feb 01, 2021 9:30 am
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8314

Re: Careers - Flagship State vs Top Tier Private

Eye opening article from WaPo: https://archive.vn/IBZMr "An analysis by the Georgetown center using College Scorecard data found that nurses with associate degrees from a community college in California make more than graduates of a dozen master’s degree programs at Harvard. Electrical and powe...
by gatorking
Sat Jan 23, 2021 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Options for healthcare during FIRE (but before 65)?
Replies: 141
Views: 10641

Re: Options for healthcare during FIRE (but before 65)?

Comments in the TFB article are most interesting, especially this link: https://www.forbes.com/sites/carolynmcclanahan/2014/11/14/how-early-retirees-can-get-cheap-health-insurance-through-obamacare/?sh=41472ebb1f53 It is a detailed explanation of how to get tax credits AND reduce out of pocket expen...
by gatorking
Mon Jan 18, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12995

Re: Shopping for college

Hey, My son found out today that he got into Chico. We’ve been watching virtual tours on YouTube and “day in the life of student videos” today. Do you know how I can check which companies recruit Chico state graduates? The site gives median earnings for graduates, but not which companies. https://c...
by gatorking
Wed Jan 13, 2021 12:16 pm
Forum: Personal Consumer Issues
Topic: Power is Out - Do you Know How Long Food Lasts in Fridge?
Replies: 39
Views: 2215

Re: Power is Out - Do you Know How Long Food Lasts in Fridge?

From the link above "The FDA recommends checking the temperature in the fridge and throwing out any perishable foods like meat, milk and eggs that has been at a temperature above 40 degrees for over four hours."
by gatorking
Wed Jan 06, 2021 10:11 am
Forum: Personal Investments
Topic: Can I create generational wealth?
Replies: 193
Views: 19428

Re: Can I create generational wealth?

Paul Merriman wrote about something like this a long time ago.
https://paulmerriman.com/turn-3000-into-50-million/
by gatorking
Mon Nov 30, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Why Would All Four Tires Have Slow Air Leaks?
Replies: 84
Views: 7216

Re: Why Would All Four Tires Have Slow Air Leaks?

In MA you could go to Town Fair Tire.
by gatorking
Tue Nov 24, 2020 7:59 am
Forum: Personal Investments
Topic: When to retire - early, mid, end of year
Replies: 40
Views: 3677

Re: When to retire - early, mid, end of year

You might want to increase your 401k contribution during the first half of the year to meet the IRS max and also to capture as much employer matching as possible.
by gatorking
Fri Oct 23, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a career
Replies: 112
Views: 6952

Re: Choosing a career

I am asked to discuss career options in an high school. Ahead of the meeting, the key question sent to me was "Which career has the high probability for maximum lifetime $, given all else being equal?" I wanted to given an honest and best possible/data based answer. The one that gets you ...
by gatorking
Thu Oct 22, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 4038

Re: RIP Google Play

I use Maple Player JB since it also allows change in playback speed on downloaded books and podcasts.
by gatorking
Mon Aug 10, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Real life example of 7 digit 401k/Roth IRA portfolios
Replies: 60
Views: 6441

Re: Real life example of 7 digit 401k/Roth IRA portfolios

Took me 14 years to get to 7 figures using a combination of 401k and Roth. Maxed out both from the beginning. Doubled it in another 7.
by gatorking
Sun Jul 05, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 189
Views: 13789

Re: Neighborhood Noise

by gatorking
Fri Jun 19, 2020 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 11309

Re: Disappointed in Fidelity 2% Cash Back credit card

The first scanned image says in first paragraph "with eligible Fidelity account".
by gatorking
Thu Mar 29, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Lowest Fees Donor Advised Fund?
Replies: 11
Views: 3952

Re: Lowest Fees Donor Advised Fund?

I use Fidelity because it allows grants as small as $50.
by gatorking
Mon Feb 27, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 5570

Re: Do you clear your inbox?

If a cluttered inbox is a sign of a cluttered mind, then what is an empty inbox a sign of? :wink:
by gatorking
Mon Feb 27, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 14046

Re: Used German Luxury vs New Japanese

A used Lexus is in the same range. :) And no maintenance nor repair costs to worry about. Besides, styling doesn't matter. Beauty is, or is not, in the eye of the beholder. Benz driver here and have rented Camry's, Maximas and Accords for trips in the Carolina's. Best part was turning them in and n...
by gatorking
Thu Jan 05, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Any Audi Wagon owners?
Replies: 29
Views: 3181

Re: Any Audi Wagon owners?

A colleague of mine recently purchased the VW Golf Alltrack over the Outback.
by gatorking
Sun Dec 18, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 11819

Re: 12/18/16 Deal - H&R Block 2016 @ Amazon

If you choose the No rush delivery option you also get a $5 credit to Prime pantry.
by gatorking
Fri Nov 18, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 15211

Re: Honda Cars

My main complaint against Honda is they are slower on making safety features standard than other manufacturers like Toyota. If you plan on getting the "Honda Sensing" package with collision mitigation and lane departure correction then this is an add on package and not standard even at th...
by gatorking
Fri Nov 18, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 15211

Re: Honda Cars

My main complaint against Honda is they are slower on making safety features standard than other manufacturers like Toyota. If you plan on getting the "Honda Sensing" package with collision mitigation and lane departure correction then this is an add on package and not standard even at the...
by gatorking
Sat Nov 12, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Cannot copy files to flash drive - says no space??
Replies: 7
Views: 1204

Re: Cannot copy files to flash drive - says no space??

I just ran into this problem - NTFS is not compatible with the USB input in my car radio.
by gatorking
Wed Oct 05, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Required to pay with Amazon gift card!
Replies: 11
Views: 1727

Re: Required to pay with Amazon gift card!

There was a warning about this exact scam on the gift card display in CVS.
by gatorking
Sun Sep 25, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 164
Views: 27427

Re: Trader Joe's Fans - good value?

Most shopping is done at Market Basket but I favor TJ for following items:
Sourdough bread
Greek yogurt
Omega 3 eggs
Raw milk cheese
This "fruit" walks into a bar
Granola bars
Pecans, walnuts, sunflower seeds
Organic chicken
8 vegetable mix
Pound plus chocolate
Masala burgers