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by furwut
Wed May 20, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 688

Re: Parks to visit between TX and PA?

Is there something equivalent to Gettysburg further south in VA or TN that would be more or less on our route?


Maybe Chattanooga? Also consider Antietam (Sharpsburg, MD). But honestly Gettysburg isn't that far off your route and if you want to see just one battlefield that is the one.
by furwut
Wed May 20, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 688

Re: Parks to visit between TX and PA?

Isn't Gettysburg is in eastern Pennsylvania past the end of the trip? South Central PA. If you are driving up I-81 you are following Lee's invasion route. And if you are taking your time coming up I-81 Harper's Ferry is a nice period town to visit with Civil War history. And for architecture fans t...
by furwut
Wed May 20, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 688

Re: Parks to visit between TX and PA?

Gettysburg is the obvious choice. Very big battlefield. If you are a history buff you easily could spend several days there. Lots of entertaining things for the kids there as well. P.S. - if the kids are old enough a great way to see everything is by bikes! I've done it several times. Much better th...
by furwut
Wed May 20, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

verbose wrote:On these roads, should I pass a cyclist?


I would say only if the cyclist moves to the right and gives you a clear indication to pass. Then pass very slowly - just a few MPH faster than the cyclist.
by furwut
Wed May 20, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

Many cyclists will roll a stop sign. There's even a name for it - it's called the Idaho stop since Idaho actually allows this! For the record I will also note that in my town many motorists also roll stop signs and that is probably universal. Why would a cyclist roll a stop sign? Because its practic...
by furwut
Wed May 20, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

If they are entitled to use the entire lane, then they are also obligated to obey all of the traffic laws that apply to cars. I have observed that many do not obey many basic traffic laws and yet feel entitled to use the whole lane. Whether a cyclist is allowed to use the full lane or not legally i...
by furwut
Wed May 20, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

Do cyclists have the same rules as cars on the road? Because if they do, I see virtually no cyclists following the rules. Largely yes but there are specific differences. Bikes are not cars and to just simply apply the same rules to bikes as cars doesn't always work so well. On a practical level the...
by furwut
Wed May 20, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

In NJ the law is bicycles have to keep as far right as possible. These laws are commonly misinterpreted even by police. The law typically requires the cyclist to ride as far right as possible or practicable. So how far right is up to the judgment of the cyclist not the convenience of the following ...
by furwut
Wed May 20, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2597

Re: How should drivers react to bicycle riders on one lane roads?

Has there been a DNS attack? I signed on looking for financial wisdom and it looks like I've been redirected to Bike Forums. To address the OP question. In most states it is illegal to cross the double yellow lines to pass another moving vehicle which includes a bike. Recognizing that it takes much ...
by furwut
Tue May 19, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Taxable Account In Early Stages of Retirement
Replies: 12
Views: 1009

Re: Maximizing Taxable Account In Early Stages of Retirement

I view everything as one portfolio not as 2 (i.e., a taxable portfolio and a tax deferred portfolio). In retirement capital gains and dividends are directed to my spending account so they are spent first. Then, if I need to, I make withdrawals from my taxable account. In order to maintain my AA I wi...
by furwut
Mon May 18, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 30
Views: 1280

Re: Trip Insurance

Does trip insurance also cover medical evacuation? Something to consider when traveling far from home.
by furwut
Mon May 18, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 26
Views: 1552

Re: Jobs for Retired Air Force (without degree)

I don't know much about this but if your friend obtained a civil service job they would be allowed to count their 30 years of military service towards a civil pension as well? If so that would be a very strong incentive for me :happy :happy Retired Military Your military service is generally not cr...
by furwut
Mon May 18, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 26
Views: 1552

Re: Jobs for Retired Air Force (without degree)

I don't know much about this but if your friend obtained a civil service job they would be allowed to count their 30 years of military service towards a civil pension as well? If so that would be a very strong incentive for me :happy :happy
by furwut
Mon May 18, 2015 9:45 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 62
Views: 4077

Re: How fast should I ride my bicycle?

Right now, I'm getting exercise, but not really setting goals. So, I need some help determining how much progress I am making. I think it all depends on what your goals are - which you did not state. 14 MPH on flat terrain is probably the right speed for a reasonably fit individual seeking moderate...
by furwut
Sun May 17, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Full Coverage Insurance Premium
Replies: 5
Views: 496

Re: Full Coverage Insurance Premium

I don't know what a reasonable premium would be but there is, IMO, a responsible level of insurance coverage that is multiples of the state's minimum requirements. You can expect in a serious accident with high damages you will get sued and it is possible that any and all future earnings could be ga...
by furwut
Sun May 17, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 26
Views: 1110

Re: Keep underground storm cellar (in Florida)?

To protect against a E4 or E5 tornado I think you would best be underground*. But tornados this strong appear to be rare in Florida . Cinderblocks with rebar should be fine protection against flying debris from lesser tornados as well as hurricanes. There are construction firms that specialize in th...
by furwut
Sun May 17, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 26
Views: 1110

Re: Keep underground storm cellar (in Florida)?

I'm with dolphin on this one.

If you want storm protection I would look to fortify a room within your house. When you have seconds you shouldn't be running outside anyway. If you have thoughts of redoing a bathroom maybe part of the project could be lining the room with cinderblocks?
by furwut
Sun May 17, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2224

Re: Capital One 360 Checking

I too have a Capital One 360 account and like it for all the above reasons.

But I will note that the integration with Capital One has been slow. Sometimes you need the services of a brick & mortar branch.
by furwut
Fri May 15, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Claims - Disclosing Liability Amount
Replies: 8
Views: 706

Re: Auto Insurance Claims - Disclosing Liability Amount

They're asking because the second insurer isn't on the hook until your limits are exhausted. I'm assuming it's the other party's collision or underinsured motorist coverage. Reveal the limits so the matter can get resolved. Be glad that the other party has their own coverage. Probably this. The oth...
by furwut
Wed May 13, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 19
Views: 1374

Re: YNAB a good subsitute for Quicken?

Just putting in a word for Mint. On the Overview page of the browser version of Mint there is a section titled Upcoming Bills. You add reminders here for all your recurring bills and it will then list those that will occur over the next 4 weeks. For credit card payments it shows the balance actually...
by furwut
Tue May 12, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Gold vs offshore custodianship of stocks, bonds
Replies: 36
Views: 1379

Re: Gold vs offshore custodianship of stocks, bonds

So long as one of the six countries where you hold your assets stays intact,


Maybe North Korea. Thats about as isolated as one could get from the worlds economy. Enjoy. :beer
by furwut
Tue May 12, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Gold vs offshore custodianship of stocks, bonds
Replies: 36
Views: 1379

Re: Gold vs offshore custodianship of stocks, bonds

But wouldn't it be better to give custodianship of your globally diversified portfolio to multiple firms, spread across multiple countries?


I can't imagine a scenario that destroys the US market and all its institutions and leaves the rest of the world untouched.
by furwut
Tue May 12, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Post- Retirement Jobs
Replies: 18
Views: 2280

Re: Post- Retirement Jobs

As someone who jumped early at the age of 51 I too wonder what my reserve chute would be.
by furwut
Tue May 12, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: What are potential drawback of pay-per-mile insurance?
Replies: 10
Views: 892

Re: What are potential drawback of pay-per-mile insurance?

Interesting Bloomberg article. My take: We are fast entering the information economy where data can be used for & against us as consumers. Charging for insurance on a per-mile basis is the first step. Once a company is collecting real time driver milage data what other behaviors might they ask t...
by furwut
Mon May 11, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6605

Re: International - Who really is at 40%

Everyone seamed to recommend between 20%-40% in international when I started indexing. Since I realize I have no clue what I'm doing, I took the number in the middle and have been 30% ever since. I have no interest in changing that without a really really good reason. Since I doubt I will ever know...
by furwut
Mon May 11, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5263

Re: Which Company Do You Have Auto Insurance With?

I'm going to re-visit the Insurance situation for next year, just to be sure we've got the best deal. One should stay married their spouse not their auto insurance company. Ever see those ads from insurer X showing how much customers saved by switching from insurer Y? Then go to insurer Y and you s...
by furwut
Mon May 11, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement in 2 years?
Replies: 16
Views: 2274

Re: Retirement in 2 years?

I have a similar situation as the OP. I saved a lot, live frugally and retired at age 51. For health insurance take a look at ACA and premium tax credits - that can lower the insurance costs dramatically. Go through your expenses and reduce or eliminate any recurring expenses. For example - I have a...
by furwut
Mon May 11, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5263

Re: Which Company Do You Have Auto Insurance With?

What does it matter? The best and/or least expensive insurance for YOU depends on your unique characteristics.

For the record - I have no insurance. I also have no car and don't drive.
by furwut
Sun May 10, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3945

Re: Should I buy a lighter bicycle or lose body weight?

Lose some body weight if you like but no way in h*ll do you really need a carbon fiber 15lb bike unless you feel the desire to pose as a Tour de France rider.

I also would find another bike shop as I could no longer trust their advice any further.
by furwut
Thu May 07, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a new health insurance plan with higher deductible
Replies: 5
Views: 748

Re: Choosing a new health insurance plan with higher deductible

Given that all options look about equal if you incur truly large expenses, say > $20,000, then I'd focus on what option is best if you incur typical expenses. My strategy is to use last years actual expenses to guide that decision. Possibly discarding any one off items. I'm assuming you are already ...
by furwut
Mon May 04, 2015 8:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution Strategies for early/semi-retired person
Replies: 5
Views: 506

Re: HSA contribution Strategies for early/semi-retired person

In my opinion a HSA used as an investment account is superior to an IRA/401k. It is sometimes called triple tax free. Contributions are tax deductible, grow tax deferred and, when used for qualified medical expenses, are tax free. Medicare premiums are a qualifying medical expense. You do not need e...
by furwut
Thu Apr 30, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo IRS Audit [anyone use audit defense?]
Replies: 2
Views: 504

Re: Turbo IRS Audit [anyone use audit defense?]

My thoughts are that if my tax situation were complicated enough and/or my filing aggressive enough to put me at an increased risk of being audited then I probably wouldn't file using Turbo Tax at all. An enrolled agent would seem to be the prudent way to go.
by furwut
Thu Apr 30, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Disparity
Replies: 9
Views: 615

Re: Auto Insurance Disparity

Older drivers pay higher rates, not as high as youthful operators, but higher none-the-less. Many companies start to trend rates upward around age 65 and every five years after. Aggregate accident data provides the actuarial justification for the higher rates for older drivers. Can you cite a relia...
by furwut
Tue Apr 28, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1220

Re: 2 iphones on 1 itunes account experiences?

You can keep the emails separate by each setting up their own email account on the respective phone. Texts are separate if they are sent to the respective phone #. However, if someone sends you an iMessage from an Apple device that will go to both phones (since it uses Apple ID as the address) unles...
by furwut
Tue Apr 28, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA, ACA, etc?
Replies: 21
Views: 1324

Re: COBRA, ACA, etc?

Yes, medical insurance premiums are deductible if paid post tax and only to the extent you exceed the 10% AGI as you say. In my case I own my home and probably won't have enough deductions to warrant itemizing. So, for me, the standard deduction is the better.

PS - I edited my response. :beer
by furwut
Tue Apr 28, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo or rent it out?
Replies: 25
Views: 2143

Re: Sell my condo or rent it out?

I agree. Sell now and move on. Here is my experience. In 2005 I bought a condo in a new building located downtown close to many jobs. The buildings apartments are mostly 1 with some 2 bedroom units. Most of the units were bought by young upwardly mobile 2 income couples. Then the Great Recession hit...
by furwut
Tue Apr 28, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA, ACA, etc?
Replies: 21
Views: 1324

Re: COBRA, ACA, etc?

I retired last year. I could have elected to continue my employer based insurance by paying 100% of the premium. Instead I chose to go with an ACA policy. Here are my reasons: 1. With ACA I have a choice of policies and I can switch every year. My employer plan wasn't bad but every year their networ...
by furwut
Tue Apr 28, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3972

Re: What do you tip a valet?

How are valets paid? Are they subject to standard minimum wage law or are they paid like wait staff and thus reliant on tips?
by furwut
Tue Apr 28, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1220

Re: 2 iphones on 1 itunes account experiences?

The next step is to allow sharing of i devices. When my brother emails me from the 'family iPad' the email shows my sister-in-law as the sender.

With Touch ID Apple could easily accomplish this.
by furwut
Sun Apr 26, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Receipt Documentation
Replies: 12
Views: 941

Re: HSA Receipt Documentation

Why take the risk? For some of my major expenses last year I know I have the credit card receipt scanned. I can go back an make sure to add them to my HSA's folder. But if the IRS wants to play nasty they then can ask to see all my health insurance records to make sure I wasn't reimbursed for some ...
by furwut
Sun Apr 26, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 21
Views: 1604

Re: Kitces on Asset Location

Another interesting article from Kitces. Vanguard takes a neutral stance on the Roth versus Traditonal debate saying that tax diversication may be the best approach. Maybe the advice should be the same here with respect to asset location - hold both stocks and bonds together in taxable and tax defer...
by furwut
Sun Apr 26, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 21
Views: 1604

Re: Kitces on Asset Location

Vanguard's index funds are known to have very low turnover. I think less than the rate that Kitces highlights as the dividing line in his article. Does anyone know the actual turnover rate for Vanguard Total Stock?
by furwut
Sun Apr 26, 2015 8:05 am
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 21
Views: 1604

Re: Kitces on Asset Location

No tax on qualified dividends and long-term capital gains when in the 15% tax bracket.
by furwut
Sat Apr 25, 2015 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Receipt Documentation
Replies: 12
Views: 941

Re: HSA Receipt Documentation

I've just been using the EOB or medical providers invoice. I scan them and attach the image to a cloud document storage provided by my HSA.

Should I switch HSA custodians I will need to export everything. Only have had an HSA for a year so haven't added too much.
by furwut
Sat Apr 25, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 60
Views: 3147

Re: Your experiences of high inflation periods

Working in a grocery store in the 70s. Whenever a new shipment came in it often was priced higher. No computer barcode scanners - each individual item got its own inked price stamped on it by hand. Now we were supposed to go back and re-price the old stock as well but we often missed some or got too...
by furwut
Sat Apr 25, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 22
Views: 2095

Re: Loaning $$ [to a friend]

Definitely get a notarized promissory note. You don't say how much you are lending but if it is $$ and you feel you need some downside protection could a car serve as collateral? Seems many lenders use that these days as the threat of losing a car is good leverage. But unless you are in the business...
by furwut
Fri Apr 24, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3081

Re: Who still have Cable TV?

Every time I ask the cable company to drop my TV service they threaten me that they will raise the price of my internet service even more. So I pay for TV I don't watch.
by furwut
Tue Apr 21, 2015 12:05 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3543

Re: Has anyone changed their asset allocation

More on International Diversification A Bogelhead kindly PM'ed me pointing out this section in the Bogelhead Wiki on Vanguard's Target Retirement Funds : 2015 target retirement changes On February 26, 2015, Vanguard announced "the international equity allocation for both types of funds [target ...
by furwut
Tue Apr 21, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: does this withdrawal method make any sense?
Replies: 10
Views: 1332

Re: does this withdrawal method make any sense?

Earlier this year Dirk Cotton, who writes a blog called the Retirement Cafe, posted a series of very interesting articles discussing game theory and its application to selecting a retirement income strategy. This first post is a brief intro to game theory A Tiny Bit of Game Theory Then the first in ...

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