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Viewing profile - Mary M

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Mary M
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Joined: Fri Feb 06, 2009 2:29 pm
Last visited: Wed Aug 12, 2009 12:41 pm
Total posts: 74
[0.08% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 60 Posts / 81.08% of user’s posts ]
Most active topic: Need advice: Bonus Allocation - YNAB users, pls read!
[ 8 Posts / 10.81% of user’s posts ]

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Mary M Posts

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 Forum: Personal Finance   Topic: New Benefit - Dependent Care FSA...Tax & other implicati

Posted: Sat Jun 13, 2009 11:47 am 

Replies: 8
Views: 1923


Yes, it's in the US. Thanks for the advice...I was getting $600 deduction for the childcare on my taxes, I'll re-run the numbers to see what the implications are if I have $5000 less in taxable income for next year. No telling what new tax laws we'll see by January 2011, though!

 Forum: Personal Finance   Topic: Tax Details of the Stimulus Plan?

Posted: Sat Jun 13, 2009 10:00 am 

Replies: 3
Views: 1150


And just FYI - DH's program went from funding of $5m last year to $30M this year with the stimulus bill...They are having trouble finding qualified contractors to perform the work and spend that money, so if anyone wants to start a small business performing energy improvements, this would be the time!

 Forum: Personal Finance   Topic: Tax Details of the Stimulus Plan?

Posted: Sat Jun 13, 2009 9:57 am 

Replies: 3
Views: 1150


I can't help you on the car question, but http://www.dsireusa.org is a database of renewable energy/energy efficiency tax info by state. My DH is a Energy Efficiency Project Manager for a non-profit providing these services for low-income families...he recommends that website because it actually lin...

 Forum: Personal Finance   Topic: New Benefit - Dependent Care FSA...Tax & other implicati

Posted: Sat Jun 13, 2009 9:24 am 

Replies: 8
Views: 1923


We just received our 2010 preliminary benefits roster (it was just a listing, no summary plan descriptions or details); "What's New" listed a dependent care FSA. I did a little googling and understand JUST the basics - funded with pre-tax dollars, I pay childcare and obtain receipt, and ge...

 Forum: Personal Finance   Topic: Need your opinion about my savings

Posted: Sat Jun 13, 2009 7:58 am 

Replies: 8
Views: 3199


EF recommendations vary from 3 to 9 months expenses (depending on who you listen to) - so you should find where in that spectrum you are comfortable (considering the stability of your job/industry, your ability to pare back expenses if a big emergency hit, etc), then apply the what's left to your go...

 Forum: Personal Finance   Topic: Just got a $20,000 tax bill

Posted: Sat Jun 13, 2009 7:52 am 

Replies: 14
Views: 4067


NoBoB wrote:
We're here to learn from each other. Berating someone who's trying to help doesn't benefit anyone.
thank you for this. Now where were you when I was getting called an idiot for asking about Dave Ramsey's take on SS? The vitriol chased me away for a few weeks...LOL.

 Forum: Personal Finance   Topic: Stupid taxes

Posted: Sat Jun 13, 2009 7:45 am 

Replies: 2
Views: 1129


Agree with Kombat - the calculator most payroll processing systems use isn't very sophisticated when it comes to one-time (or two-time) payments like this...In most cases the algorithm assumes you'll be grossing that 5K for the balance of the year and applies the tax rate you'd fall into by Dec 31. ...

 Forum: Success Stories   Topic: 2008 Honda Fit: PAID!

Posted: Wed May 27, 2009 11:24 am 

Replies: 4
Views: 3801


As Dave would say, "Doesn't it drive better now that you own it?"

CONGRATS. That's pretty awesome!

 Forum: Personal Finance   Topic: Good Faith Estimate - Here's mine - any 'gotchas' in it?

Posted: Wed May 27, 2009 11:23 am 

Replies: 6
Views: 2324


don't sweat the small stuff, especially any tax portions of the GFE. The tax portions will always be the same If your loan requires the bank to escrow for taxes, this is not small stuff, it can add $100's to your payment each month if the GFEstimate of prepayment is wrong. I'd much rather spend a f...

 Forum: Personal Finance   Topic: Avoid Cable Pay And Watch Movies Free

Posted: Tue May 19, 2009 9:32 am 

Replies: 19
Views: 4998


I don't want anyone to come after me, so my neighbor's been recording shows on BBC America for me - she said she has a DVD ready for me...and that's not traceable/trackable!

 Forum: Success Stories   Topic: Graduated and out of credit card debt, all in one week!

Posted: Tue May 19, 2009 9:23 am 

Replies: 3
Views: 3465


That is SO COOL. Good for you - I really appreciate your sharing your story and really, really admire your strength to make such signifigant changes in your life in such a short time. I gotta repeat: Good for you! I hope to hear more successes from you soon to (continue to) inspire me...Now get cook...

 Forum: Personal Finance   Topic: Savings Accounts for Kids

Posted: Mon May 18, 2009 12:03 pm 

Replies: 9
Views: 2504


good job, Dad for thinking of this! I don't have any real advice about the timing/transitioning to your kids' names, but I will say that you might shop the interest rates at other credit unions in the area - my local (teachers) credit union pays 3.6% on kid's savings accounts, with a $10 minimum and...

 Forum: Personal Finance   Topic: Life insurance payout

Posted: Sun May 17, 2009 5:21 pm 

Replies: 5
Views: 1974


thanks for the clarification, Sandi - I didn't think people left money to their 'estates' but I guess some do if they don't have spouse/kids and want to ensure their expenses are taken care of...

 Forum: Personal Finance   Topic: What should I do with extra money?

Posted: Sun May 17, 2009 6:40 am 

Replies: 26
Views: 5470


Buy krugerrands and put them in your mattress maybe? You sound really risk averse for a 33 year old who is a real homeowner (not just renting frmo the bank) or soon to be. You've stayed out of the market since 1999? I assume you mean you are not interested in individual stock picks, but as prior pos...
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