Bogleheads.org

Saving$

Have you reviewed the condo association balance sheet? The biggest risk could be lack of reserves for common expenses. I considered that. I have a copy but am having a hard time interpreting it....lack of experience. I want to run it by someone with more experience. One possible red flag (?) is tha...

Saving$

An elderly couple I know put the home they originally bought new and lived in for over 50 years on the market. They had raised their family there, and one of their kids passed away there after a long illness. The place held many memories for them. The neighborhood was also unique - an awesome commun...

Saving$

First things first. Did the in laws buy Owner's Title insurance? There are two types of Title Insurance 1. the type required by the mortgage company, which protects the MORTGAGE company 2. the "rider" the buyer voluntarily purchases on top of the lender's title insurance for "Owners T...

Saving$

Bennie So sorry for your loss, and the resulting pain, loneliness and heartache. First thing is to do what you need to in order to take care of yourself. You will not "get over it" but in time the pain may be less acute, simply because it is not so new. In regards to the money, you have co...

Saving$

Neither. Look for a high quality "Luxury Vinyl" plank (or tile, but you indicate you prefer the wood look). These products have come a LONG way in the last few years. The floating click versions are even being installed in high end commercial office buildings. These products will let you p...

Saving$

I use Google Voice (GV)/ Obihai 200 close to three years now. GV is free but the initial cost was porting from Verizon to TMobile (TM)($40), TM to GV $20, $50 for Obihai device and $1 a month for E911 service. After the initial setup cost I only pay $1 a month or $12 a year for E911 service which I...

Saving$

Searching the forums indicates several BH's have purchased TVs via Greentoe and had a good experience. I'm looking at appliances. Greentoe has the models I'm seeking at about 2/3 the cost of the lowest price at the big box stores. Costco only carries an upgraded version with bells & whistles I d...

Saving$

Non-ACA plans exist in my state with plans ranging from ultra-narrow to very broad networks. Try googling the name of your state, plus blue cross blue shield. I can buy directly from them. By non-ACA plans, do you mean plans that are not compliant with ACA rules (often short-term plans with limitat...

Saving$

For those considering early retirement, one of the biggest obstacles seems to be health insurance. The upside is insurance is definitely available through the ACA. The downside is the ACA plans in some areas are all terrible - even though my area is a major city with 3 enormous medical systems, the ...

Saving$

We pre-ordered a Librem 5 in November 2018 to replace it - emphasis on the pre-order. Still waiting on the new phone (orders are being filled, we're just later in line). But I fully expect the phone to be supported for several years. After 2 rounds of Samsung's flagship phones the other household m...

Saving$

1. Curbless shower. 2. Schluter Ditra. https://www.schluter.com/schluter-us/en_US/Membranes/Uncoupling-(DITRA)/Schluter®-DITRA-&-DITRA-XL/p/DITRA 3. Electrical outlet behind toilet. Someday, you will want the washlet. Toto 4. Install a towel warmer. If you don't, then pre-wire for it. https://r...

Saving$

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...

Saving$

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...

Saving$

Sorry maybe you've already answered though it's not clear to me-have you asked whether you can have checks issued to you and write a check to yourself without the joint owner's signature? Again, at Etrade they will allow this although they will not allow an account transfer without both owners' sig...

Saving$

OP - you are making this very complicated for yourself. You have received numerous posts with good advice, yet your response to all has been to speculate as to why it won't work. What is there to lose by trying one of the methods suggested? Set up an account in your name only, and see if you can mov...

Saving$

This forum draws a disproportionate share of its users from two groups: - People who have unusually high paying jobs, or somehow acquired wealth early (startup, inheritance, etc.) - People who are more deliberate/disciplined/detailed than the average person, whether they have a low, average or high ...

Saving$

livesoft wrote: ↑Mon Mar 22, 2021 9:30 pm None of the above. Keep looking.

Consider taking a gap year or two.

+1

Saving$

JPH wrote: ↑Mon Mar 22, 2021 9:53 am The coating peeled off my glasses from Costco. Walmart has a much larger selection of frames.

Same happened to mine. I brought them back and Costco replaced the lenses no cost.

Saving$

The 401k can be rolled over into an IRA with Vanguard or whoever. This is not a taxable event. The IRA can just set there without paying any taxes until withdrawals from the IRA are made. The withdrawals can be the RMD when required, or a qualified charitable distribution or any other reason. Great...

Saving$

I'm in a no income tax state right now, but I might find myself in the same situation soon if I take an out of state assignment for 2-3 years. My state income tax would probably be close to the SALT limit of $10k and (being single) it wouldn't take much to go over the standard deduction on the fede...

Saving$

This clearly depends on the state. In mine, I do not have to take the same deduction on state as I do on federal. As in a prior post, I can file either MFJ or MFS on the state return, even though MFJ is always best on the federal return. MFS is almost always better on the state return,though slight...

Saving$

Are there any downsides to taking an itemized deduction on federal return that may be lower than the federal standard deduction in order to be eligible to carry the itemized deduction on the state return? In this case the itemized deduction on the state return results in a net $500 savings between t...

Saving$

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know...

Saving$

You and the sibling(s) who can afford it pay off the mortgage and either each record a lien against the house for the amount paid or get a promissory note, perhaps at no interest. That way mom and perhaps her estate get the benefit of the appreciation, and the siblings paying off the mortgage get th...

Saving$

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know ...

Saving$

Doing some remodeling on a recently purchased home. Ordered two identical items from the only online supplier I could find at a cost north of $300 each. Shipping was a little more than the cost of one of the items and I purchased damage insurance as I viewed the items as easily damaged. Order arriv...

Saving$

You have two separate issues: 1. Humidity You need to figure out where that is coming from and attempt to resolve it. Is there a perimeter drain around your house? If so start there by cleaning that, cleaning gutters, etc. Get a moisture meter and stick it in the slab. - There are moisture barriers ...

Saving$

A family I know employs a person who both does all/most of these tasks, and/or hires others to do them. This person shops, prepares dinner, carts the kids around as needed and manages the kids schedules/appointments. She also supervises the housecleaner, landscaper, car washer and anyone else coming...

Saving$

Guys, I have a 34 year old HVAC system. It has been giving me some issues lately which requiring occasional power cycling (maybe 3x a week). I called a technician and he suggested that while he could fix it for a few hundred dollars, I should be replacing both the HVAC system and the air conditione...

Saving$

Have had accounts (savings, checking) at Alliant for nearly 10 years now. They used to be a recommended HSA custodian, which is why we joined. Unfortunately they got out of that "business", but we have no complaints and have had no issues with them. Not the OP, but I'm wondering about the...

Saving$

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...

Saving$

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...

Saving$

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if wh...

Saving$

Californiastate: I had no intention of down playing how difficult it might be, that's the main reservation I have, knowing it will take several years of hard work and long hours to get it going and we could be a major recession/depression away from it being all for nothing. I'm far from netting 200...

Saving$

Suggested plan:
1. Max out 401k
2. See if you can roll the traditional IRA into your 401k so you can do a backdoor Roth, which you will then max out
3> Leave the rest alone until after you read the booklet recommended above. Then put together a MUCH simpler plan and post back here.

Saving$

KeePass Free, always has been, always will be. Works on any platform - been using it since Palm Pilot days, into blackberry OS, to Android and in Iphone, as well as on both work and personal computers concurrently along the way. No complaints at all. what iphone and android app are you using specif...

Saving$

What part of the commercial market are you involved with? The $2-$5mil market is far different than the $30-$50 mil market, which is very different from the over $100 mil projects, and then there are the $1b projects. Regardless of your commercial market, you will be shocked at the difference in the...

Saving$

I would also like to know this. It even varies between brands. Store brand of fresh washed spinach available for curbside pickup, the other brand (in a smaller container) is only available in store...

Saving$

I recently installed some Eufy doorbell cameras. I liked them so much I bought some outdoor cameras as well and plan to buy some indoor cameras when I catch a sale (happens about once a month on Amazon etc.). Local hosting, all camera types appear in one phone app, no monthly fees, reviews generall...

Saving$

KeePass

Free, always has been, always will be.
Works on any platform - been using it since Palm Pilot days, into blackberry OS, to Android and in Iphone, as well as on both work and personal computers concurrently along the way. No complaints at all.

Saving$

Carson wrote: ↑Sat Feb 13, 2021 12:08 am Can you use the ‘House Party’ site/app?

Interesting app. I don't that is quite what we are after, but appreciate the suggestion...

Saving$

I recently installed some Eufy doorbell cameras. I liked them so much I bought some outdoor cameras as well and plan to buy some indoor cameras when I catch a sale (happens about once a month on Amazon etc.). Local hosting, all camera types appear in one phone app, no monthly fees, reviews generall...

Saving$

We don't know what you signed.
Read the documents you signed when you made the offer on the other place. Did they include an agreement to have that agent represent you for x weeks/months?

Saving$

Metal ducts are almost always better. Where are the ducts installed?? - In an unconditioned attic? - In a conditioned (ie heated and/or cooled) basement? - In an unconditioned crawl space? Whatever space they are in, are they accessible? Are you at all handy? - Sealing ducts is simple and easy work ...

Saving$

Nephew update for anyone interested. It's a good news, no news update. The loan payback is going well. He has been on time every month and paid ahead a month. That is good from the standpoint that he is honoring his obligations. He always did but he had too many self-inflicted obligations. I'm happ...

Saving$

Does anyone use any interactive apps to visit, read, play games remotely with their grandchildren? A family member has been using the Caribu app to interact with grandkids who live several states away. It seems to work much better than zoom. Due to a concern with the kids damaging the adults laptop,...

Saving$

When I'm online shopping and they require a telephone number at checkout, I put all 0s or all 5s. I've never had a problem. Is a burner number sufficient for your needs? I had to google what "a burner number" is. Based on the PC magazine article "Burner Accounts 101", yes, I thi...

Saving$

Thank you for posting this. Made me look at my limits. I have only had a reason to be concerned about it once in my life. Credit score in the 800's, pay each card off in total every month for over 30 years. - The card I use most often - about $1k/m - has a limit of just over $18k - Most of the other...

Saving$

I have ooma, and voice mail is provided. There is an option for this, for an additional price: Voice-to-Text Save time and money with Ooma Voice-to-Text by taking advantage of the option to read voicemails before you listen to them. Voice-to-Text automatically converts your voicemail messages into ...

Saving$

Deleted
Accidental double post

Search found 2137 matches