Search found 288 matches

by d0gerz
Sun Mar 28, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: Figured out how to make google voice never expire
Replies: 25
Views: 2402

Re: Figured out how to make google voice never expire

Yeah I don't understand the GV fanbase to be honest. We know some 2FA issues exist for VOIP providers (which GV is). International usage is also questionable. I guess the cost is cheap, but I just switched to Ting and my bill is around $15/mo, I can live with that. When I lived abroad I used Google...
by d0gerz
Fri Mar 19, 2021 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: "If You Can" equivalent for home buying?
Replies: 9
Views: 1648

Re: "If You Can" equivalent for home buying?

The Consumer Financial Protection Bureau has a very good series on homebuying.
https://www.consumerfinance.gov/owning-a-home/
by d0gerz
Sat Mar 06, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 145
Views: 12340

Re: How quickly did you receive your 2020 tax refund?

Filed 2/23 using Free Fillable Forms. Return accepted 35 minutes later. Refund deposited 3/3.
by d0gerz
Tue Feb 23, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to account for tax refund & bunching charitable giving
Replies: 6
Views: 354

How to account for tax refund & bunching charitable giving

In 2020 I bunched charitable contributions, which along with mortgage interest and property taxes put me well over the standard deduction (MFJ). As a result I'm getting a massive refund. I had a few questions related to all this so thought I'd ask them in one post. Thanks as always for reading. 1) H...
by d0gerz
Tue Feb 23, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Tax filing tips
Replies: 30
Views: 3487

Re: 2020 Tax filing tips

If using free fillable forms, realize that you are limited by the forms listed at the link below as well as the dates each form is available. https://www.irs.gov/e-file-providers/list-of-available-free-file-fillable-forms If you need to file something not on the list, or attach a document of some so...
by d0gerz
Tue Feb 23, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39739

Re: What have you baked recently?

Not really 'baking' but made naan on a cast iron skillet. Followed the recipe below.
https://rasamalaysia.com/naan/#mv-creation-11

The recipe portions are smaller than I would like. It says the yield is 8 pieces but works better for 6 or 7. A 100g ball of dough per naan is a good size imo.
by d0gerz
Mon Feb 15, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 165161

Re: My LenderFi refinance is going well

My experience with LenderFi: Dec 28: Application submitted online Dec 30: Locked Jan 15: Closing Jan 21: Loan funded, 1st payment due Mar 1 Feb 5: Got email that loan was sold to Mr Cooper Overall went smoothly. One hiccup was that after the closing, apparently Amrock the title company didn't get a ...
by d0gerz
Sun Feb 14, 2021 1:07 am
Forum: Personal Finance (Not Investing)
Topic: COVID stimulus payments and tax returns . . .
Replies: 12
Views: 1436

Re: COVID stimulus payments and tax returns . . .

I want to be sure I'm correct about something: we received a stimulus payment last calendar year, and we received another on Jan. 4 of this year, 2021 -- but both of those are supposed to be reported on the 2020 tax return? You don't have to report stimulus payments on your tax return. They aren't ...
by d0gerz
Sat Feb 06, 2021 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Refinance Mega Thread

From my refi Loan Estimate: C. Services You Can Shop For Title - Closing Fee $575 Title - Lender's Title Insurance $460 What is the Title - Closing Fee? How much can you generally save by shopping for these on your own (in MA)? Thanks If this are the only two fees listed in Section C, honestly, not...
by d0gerz
Sat Feb 06, 2021 2:10 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1697

Re: Help with central A/C install

If there's no access to put in a return duct, how did they run the supply ducts to the addition? There is a supply duct running from the basement through to the crawl space, but that opening is only as wide as the supply duct itself. No other way to access to for example lay down a vapor barrier or...
by d0gerz
Tue Feb 02, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1697

Re: Help with central A/C install

For those asking about AC model, Costco affiliate quoted a Lennox brand. My furnace is a Concord model, and they said Lennox is compatible with what I have. The other two quoted a Concord model but Company C did not provide a model number. Posting the exact quotes below so people can see the type of...
by d0gerz
Tue Feb 02, 2021 12:30 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1697

Re: Help with central A/C install

Thanks for all the responses, I really appreciate it. A few details to add: With regards to the upstairs/downstairs difference, the upstairs portion is just one bedroom, though it is the master where we sleep. The house is essentially a ranch, but with an addition built later on. This addition wasn'...
by d0gerz
Tue Feb 02, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1697

Re: Help with central A/C install

If I were to choose one of the three, it would be the Costco affiliate. They are more expensive, but they are the only one who came on site. How can the other contractors give you a credible quote without inspecting your site? Also, I am not a fan of Home Adviser and would be leery of anyone they p...
by d0gerz
Sun Jan 31, 2021 3:37 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1697

Help with central A/C install

We have an existing forced air natural gas furnace to which we are looking to add central A/C. House is ~1400 sq ft in Greater Boston, so expecting A/C usage centered around July/August, or 2-3 months a year tops. Have gotten quotes from three companies. I'm looking for advice on how to move forward...
by d0gerz
Sat Jan 30, 2021 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Time to refinance again this year?

BrandonBogle wrote: Fri Jan 29, 2021 5:41 pm I refinanced $140k four times now since May 2020, each time with the credits exceeding the costs, resulting in net profit to me.
How does this work in practice? Do you get a check for the excess? Is it reported as income i.e. 1099s etc. for tax purposes?
by d0gerz
Fri Jan 22, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3184

Re: any suggestions for best 65" TV under $1000?

Bought this Samsung 65 inch 4k UHD LED during the Black Friday sales event in November. $510 including taxes. So far so good. https://www.costco.com/samsung-65%22---tu700d-series---4k-uhd-led-lcd-tv.product.100646394.html One feature that I really like (but knew nothing about going in, so just got l...
by d0gerz
Thu Jan 07, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Refinance Mega Thread

Hey all. Grateful for the advice and knowledge I got on this forum. Definitely helped me find a deal I’m happy with. I’m locked in and going to move forward with LF. Happy with them so far. Loan stats: 2.625%, 30 yr FRM, closing costs 275, no escrow, appraisal waived Amount: 270,000 LTV: 72% Locati...
by d0gerz
Thu Jan 07, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12866

Re: What did you spend in 2020?

Why would you list investments as spend? So that everything nets to zero against income shown at the top. But spend is gone... investments are not. They remain in your asset balance sheet (net worth sheet). And in fact, return income (if they pay dividends). I don't count investments as spend... i ...
by d0gerz
Thu Jan 07, 2021 8:47 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12866

Re: What did you spend in 2020?

sperry8 wrote: Thu Jan 07, 2021 8:38 am Why would you list investments as spend?
So that everything nets to zero against income shown at the top.
by d0gerz
Fri Jan 01, 2021 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Practical Guide to Home Buying for Bogleheads?
Replies: 2
Views: 411

Re: Practical Guide to Home Buying for Bogleheads?

neb2020 wrote: Fri Jan 01, 2021 2:22 pm Is there any good material as a "practical home buying guide" out there?
Take a look at the Consumer Finance Protection Bureau's home-buying guide. I found it to be incredibly useful, in particular the section on mortgages.
https://www.consumerfinance.gov/owning-a-home/
by d0gerz
Thu Dec 31, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 165161

Re: My LenderFi refinance is going well

It has been 2 weeks since my request and i have been messaging them via their portal. Are you talking about texting them to their cell? The agent assigned to me seems to prefer text messages on the cell phone. I first sent a message via the portal, which I don't know if he saw or not, there was no ...
by d0gerz
Tue Dec 29, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12866

Re: What did you spend in 2020?

I'm definitely in the 'investments are an expense' camp. $37.5k 401k + IRA + HSA $36.5k After-tax Savings $27k PITI $20k Federal Taxes $18k Earmarked for charitable giving $11k FICA + Medicare $7.5k State Tax $7k Insurance (Medical, dental, life, LTD) $7k Groceries + Takeout $6k Pre-school tuition +...
by d0gerz
Mon Dec 28, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Refinance Mega Thread

Just submitted an application through LenderFi and it's been 'approved'. I intend to shop their offer around. Should I go ahead with the document upload or wait until/if I'm actually 100% sure that I will go through with them? They're asking for paystubs, bank statements, etc. I guess I'm wondering ...
by d0gerz
Mon Dec 28, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5696

Re: Pay Off Our Mortgage or Invest Heavily?

With apologies to the OP for the thread hijack, in my situation I'll have enough deductions (due to bunching charitable giving) this year, and will take the standard deduction next year. All else being equal, do I then decide whether to pay down mortgage or not each year separately, according to my...
by d0gerz
Mon Dec 28, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2782
Views: 276297

Re: [What TV Show Have You Recently Watched?]

The Durrells in Corfu, on Amazon Prime. A fun, light-hearted show about a British family that moved to Greece in the mid-1930s. Based on British naturalist Gerald Durrell's autobiographical Corfu trilogy of books. Great acting and cinematography. Keely Hawes, who I saw on Line of Duty (also on Amazo...
by d0gerz
Mon Dec 28, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone seen estimates from Vanguard on Foreign Tax Credits for Total Intnl (Also comments on Form 1116)
Replies: 4
Views: 447

Re: Has anyone seen estimates from Vanguard on Foreign Tax Credits for Total Intnl

Last year, (2019) the FTC on VTIAX (Total Intnl) was 7.35% of the dividends. This year (2020) dividends are down around 21% or 22%. Based on this, FTC for 2020 will also be down. Other views?? Just checked my own VTIAX 1099-DIV statements from 2018 and 2019. Tax paid (box 7) was 7.44% of dividends ...
by d0gerz
Sun Dec 27, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5696

Re: Pay Off Our Mortgage or Invest Heavily?

The deductibility (or not) of mortgage interest changes the rate of return you get by paying it off. If your mortgage rate is 3% but you can deduct some of the interest then it isn’t costing you a full 3%. Whatever the actual rate it is costing you would be compared to alternatives, like investing ...
by d0gerz
Sat Dec 26, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5696

Re: Pay Off Our Mortgage or Invest Heavily?

This depends on how much they donate to charity. If they donate a lot to charity, paying down the mortgage would reduce deductible interest, making the return equivalent to 2.875% taxable, which is no longer as attractive. Would you mind elaborating on this? Why would deductible mortgage interest b...
by d0gerz
Sat Dec 26, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5696

Re: Pay Off Our Mortgage or Invest Heavily?

This depends on how much they donate to charity. If they donate a lot to charity, paying down the mortgage would reduce deductible interest, making the return equivalent to 2.875% taxable, which is no longer as attractive. Would you mind elaborating on this? Why would deductible mortgage interest b...
by d0gerz
Fri Dec 25, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: What is a price to pay for a good pair of sunglasses???
Replies: 31
Views: 2054

Re: What is a price to pay for a good pair of sunglasses???

I paid $10 for ten pair at the dollar tree. They have UV protection. If a pair breaks, it doesn't matter. They actually are more durable than the various Walmart brands that I have purchased for $15. This is around the price point I prefer as well. My current pair I bought from Primark on a trip to...
by d0gerz
Fri Dec 25, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11432

Re: What NON-frugal thing did you do today?

WorkToLive wrote: Thu Dec 24, 2020 11:39 pm I fully funded our child’s ex-nanny’s Roth IRA with $6k. Chid is now 14, babysitter is now grocery worker, age 31. I told her 2021 I will match up to $3k.
Wow that's very generous of you, well done!
by d0gerz
Fri Nov 27, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 100
Views: 15257

Re: Chase Sapphire Reserve retention offer - was worth the effort

Tried after reading this thread but no luck. Tried the 1-800 number yesterday and the international number today but same result "At this time no retention offers on your account". Wasn't transferred to retention or anything, but I also didn't push that hard. My $450 annual fee posted on S...
by d0gerz
Sun Nov 01, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Receipt scanner for home
Replies: 24
Views: 1406

Re: Receipt scanner for home

I use Scanner Mini, a free app for the iPhone. Works great for CVS receipts, which are usually pretty long.
by d0gerz
Sat Oct 31, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8507

Re: Heat - What do you set your temps to in Winter?

Just FYI, programmable thermostats are generally easy to install and often available heavily discounted through utility companies. Thanks to this thread, I've now learned that I do indeed have a programmable thermostat. It's the same kind as in this helpful YouTube video . I've started with 6.30 am...
by d0gerz
Sat Oct 31, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: 2021 IRS inflation adjustments announced
Replies: 36
Views: 4236

Re: 2021 IRS inflation adjustments announced

What stood out to me is that not a lot changed relative to inflation for contribution amounts But there was a big jump in Income Subject to Social Security Tax Indeed, just noticed that SSA published 2021 numbers - https://www.ssa.gov/news/press/factsheets/colafacts2021.pdf OASDI taxable income lim...
by d0gerz
Fri Oct 30, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8507

Re: Heat - What do you set your temps to in Winter?

67 when we're home, which is all the time these days. For those setting to lower temp at night, how does that work. Don't you wake up freezing (because body temp drops when you sleep, and presumably everyone here sleeps at night)? Here’s how it works. I’ve been setting the thermostat for 65-67 duri...
by d0gerz
Fri Oct 30, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8507

Re: Heat - What do you set your temps to in Winter?

67 when we're home, which is all the time these days.

For those setting to lower temp at night, how does that work. Don't you wake up freezing (because body temp drops when you sleep, and presumably everyone here sleeps at night)?
by d0gerz
Mon Oct 12, 2020 8:05 pm
Forum: Personal Investments
Topic: Donor Advised Fund Deduction Question
Replies: 5
Views: 606

Re: Donor Advised Fund Deduction Question

Thanks all for the replies. I will assume the FMV is the deductible amount. Edit: In my case, Vanguard's 'gift value' = Fidelity's FMV. For Vanguard gift value, on the Vanguard website I'm looking under My accounts > Balances and holdings > Cost basis accounting > Gifted shares for the account from ...
by d0gerz
Sun Oct 11, 2020 11:21 pm
Forum: Personal Investments
Topic: Donor Advised Fund Deduction Question
Replies: 5
Views: 606

Donor Advised Fund Deduction Question

I donated appreciated Vanguard ETFs to my Fidelity donor advised fund. On the Fidelity website I can see my YTD contribution amount. This amount is smaller by around $200 than what Vanguard says was the value of the gifted shares. Interestingly, Fidelity shows me a 'fair market value' for each contr...
by d0gerz
Tue Sep 29, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2782
Views: 276297

Re: [What TV Show Have You Recently Watched?]

Line of Duty. British police procedural about a fictional anti-corruption unit (AC-12) that investigates crooked (or 'bent' as the Brits like to call it) cops. Really good series. First four seasons (five in total so far) available on Amazon Prime.
by d0gerz
Mon Aug 24, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 933

Re: Roth IRA Conversion

I suppose a different question then would be: what do I do with the expected refund? I currently max out all retirement accounts/HSAs available to me, so anything extra would all go to taxable investments (in a manner that would keep my overall stock/bond split at the desired level). How would you g...
by d0gerz
Mon Aug 24, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 933

Re: Roth IRA Conversion

I don't think your situation changes the guidance that is described in the wiki page. Because of your large charitable contribution, your 2020 marginal tax rate may or may not drop into a lower rate than you would have been in otherwise. You would just use that marginal tax rate to determine whethe...
by d0gerz
Mon Aug 24, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 933

Re: Roth IRA Conversion

Not enough information. It is commonly suggested to do Roth conversions in a low income year. By making larger than normal contributions, you are making your income lower. The question is whether the income is low enough for Roth conversions to make sense. For example, if you are in the 35% bracket...
by d0gerz
Mon Aug 24, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 933

Roth IRA Conversion

I am looking to bunch together charitable contributions in 2020, which will put me well above the $24,400 standard deduction (MFJ). Let's assume I will contribute $40,000 in appreciated stock to a donor-advised fund. The way I'm thinking about it, I will be owed a massive refund since I have not adj...
by d0gerz
Tue Aug 11, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What YouTube channels do you watch?
Replies: 56
Views: 5277

Re: What YouTube channels do you watch?

Primitive Technology. By far my favorite YouTube channel. Run by a guy in Australia who bought some land in the woods. From the description: "Primitive technology is a hobby where you build things in the wild completely from scratch using no modern tools or materials. These are the strict rules...
by d0gerz
Wed Jul 22, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter getting job in the UK and tax/IRA implications
Replies: 19
Views: 2027

Re: Daughter getting job in the UK and tax/IRA implications

My daughter just received a job offer in the UK (London) after graduating a university there (masters degree) and she will probably take it. It's a great opportunity for her. She's a US citizen (and is getting some sort of work visa from the company). I am trying to help her with getting some infor...
by d0gerz
Tue Jul 21, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12410

Re: what is your weekly workout routine?

M-W-F I do the NYT 9-minute strength workout with my spouse https://www.nytimes.com/guides/well/strength-training-plyometrics T-Th-Sat/Sun I run, faster on weekdays, slow jogs on the weekend. Last week I totaled 20 miles over the three days, and looking to increase the mileage very slowly. Sat/Sun D...
by d0gerz
Thu May 21, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Refinance Mega Thread

Closed end of last month on 3.25% 30-yr no-cost refinance. Loan amount $350k, LTV 79%. State is MA.
by d0gerz
Thu Mar 19, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: CSR travel insurance coverage? Stuck in Ecuador.
Replies: 20
Views: 1969

Re: CSR travel insurance coverage? Stuck in Ecuador.

From reading the benefits guide I do not believe you have any coverage for this via your card. Trip delay insurance is for a delay in travel. Your flight was delayed by 6 hours or more. Your flights are cancelled not delayed. You may be able to collect on this but a good question for Chase. Trip ca...
by d0gerz
Thu Mar 12, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10245
Views: 737642

Re: Refinance Mega Thread

You need to provide new money at closing and you’ll get a check from your current mortgage holder with your existing escrow balance. I’m told that usually takes 1-3 weeks. Thanks, that makes sense. I'm wondering how people account for this new money in terms of monthly budgeting. Just consider it a...