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Re: Any regrets going from iOS to Android phone?

Also, does anyone have any advice about transferring content? I currently plan on using Samsung's Smart Switch App. Thanks. If you have any contacts that have also have iPhones they may have been using iMessage instead of SMS to text you. You will want to research the issue and turn off iMessage be...
by furwut
Wed Dec 03, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3366

Re: Unlocking iPhone 6

The Apple website offers the choice T-Mobile/Unlocked. Odd thing is, Apple tells me they are not selling an unlocked phone. I don't know, but I expect they don't want someone to buy it only to send it to some area with high demand for a premium. After talking with T-Mobile they told me they will un...
by furwut
Wed Dec 03, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 2587

Re: Unlocking iPhone 6

On the Apple website you can buy an iPhone 6 from T-Mobile starting at $649. The phone is unlocked and contract free. It will come with a T-Mobile SIM but you can freely swap that out for a SIM card of another GSM carrier.
by furwut
Tue Dec 02, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 2587

Re: POLL: Attitude Towards Risk

I chose A. Certainty has got the be worth something.
by furwut
Wed Nov 26, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 3948

Re: Last Pass in the Cloud

The master password is the key used in decrypting the password file. If someone is able to obtain your encrpyted password file they can attempt a brute force attack to decrypt it.

Consider using 2-factor authentication for all your sensitive accounts.
by furwut
Wed Nov 26, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Last Pass in the Cloud
Replies: 28
Views: 2182

Re: HMO out of network question

The HMO offering in my ACA exchange requires a referral to see any non-Hmo doctor.
by furwut
Wed Nov 26, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: HMO out of network question
Replies: 17
Views: 1111

Re: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decis

Personally I think we overvalue insurance that allows any doctor, any treatment, anytime.

Have you taken into account the additional cost of PCP referrals, with the cheaper plan, to see the specialists you are now using?
by furwut
Wed Nov 26, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decision
Replies: 15
Views: 1261

Re: ACA exchange or Cobra?

While the ACA simplified insurance shopping somewhat it's still impossible to compare plans on price alone. Limited networks are becoming a "feature" of many plans whether bought on the exchange, privately or through an employer. My former employer just switched providers and many of my co...
by furwut
Mon Nov 24, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 728

Re: ACA exchange or Cobra?

Cobra looks better even with the ACA subsidy if we actually need to use insurance, otherwise ACA is a $5000 saving. It depends on how much medical care you use. With the ACA policy you spend $5400 on medical care before you match what you would have spend just on premium for the Cobra policy. At th...
by furwut
Sun Nov 23, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 728

Re: ACA exchange or Cobra?

As you've outlined it then (assuming 9 months of coverage starting in the Spring): With the ACA Bronz plan you would pay no premium, due to the subsidy, and a $12,600 deductible before coverage kicks in. Retaining your employer's HDHP under Cobra you would pay 9 x $950 = $8550 plus $5000 deductible ...
by furwut
Sun Nov 23, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 728

Re: Movie dialog, "The Social Network." Hard to hear?

I think its a combination of aging and movie style. Many directors prefer a more natural sound and leave in too much background sound. As we get older it's harder to pick out conversations from surrounding noise.

I got an Apple TV so that I could switch on close captioning when warranted.
by furwut
Sat Nov 22, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 15
Views: 2275

Re: ACA subsidy and income calculation

I think it's enough to just hope basic enrollment is smooth this year. :happy

Keep in mind that anybody not taking into account legitimate deductions will be credited with the subsidy on the back end when they file their taxes.
by furwut
Sat Nov 22, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy and income calculation
Replies: 5
Views: 656

Re: Obamacre and solo 401K

OP could have a family.
by furwut
Sat Nov 22, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and solo 401K
Replies: 6
Views: 514

Re: Obamacre and solo 401K

See http://laborcenter.berkeley.edu/pdf/201 ... mary13.pdf

I think 401k contributions would be similar to IRAs. Both are deferring your income into the future. The amount you contribute to a 401k (pre-tax) isn't inclued in the W-2 you report.
by furwut
Sat Nov 22, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and solo 401K
Replies: 6
Views: 514

Re: best bank for online billpay

I realize most companies offer "pull" e-billing, but I'd rather not log into my ISP's site, utility company, mortgage company, etc - it's much nicer having everything centralized so I can "push" payments out of one account. You can go a bit further and sign up for recurring paym...
by furwut
Sat Nov 22, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 2303

Re: Question About Retiring Early and Social Security

Beth,
For Age At Retirement enter 66 years and 6 months not your current age. Also make sure to enter 0 for future earnings.
by furwut
Sat Nov 22, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question About Retiring Early and Social Security
Replies: 10
Views: 1975

Re: POLL: Do you personally own a cell phone?

The industry term is Feature Phone. Such phones can text, maybe email and browse but very awkwardly through propietory apps from the phone maker.
by furwut
Sat Nov 22, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2936

Re: getting umbrella insurance

Beth* wrote:They will generally want to know your occupation. Some occupations are more likely to get sued than others.

I wonder if Doctors might be one of those occupations.
by furwut
Thu Nov 20, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1525

Re: GAO Concerned your IRA may be too big!

Where this non-traditional assets search might come in is for those who buy individual real estate (not REITS) in their IRA or make plays buying mortgages/loans etc. There is a decent size submarket in self-directed IRAs that hold various assets if internet searches are to be believed. A look at no...
by furwut
Thu Nov 20, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 3449

Re: smartphone over wifi - still possible?

People - unless his post was worded VERY badly, the TS isn't asking about wifi calling. TS, just buy a used iPhone and put it on whatever carrier you want. Make sure you turn off cellular data. Bingo, only voice access unless you're connected to wifi. Yup. I have an iPhone 4 on an MVNO called H2O. ...
by furwut
Thu Nov 20, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 2624

Re: GAO Concerned your IRA may be too big!

IRS officials said IRA valuation cases are audit-intensive and difficult to litigate because of the subjective nature of valuation. Additionally, the 3-year statute of limitations for assessing taxes owed can pose an obstacle for IRS pursuing noncompliant activity that spans years of IRA investment...
by furwut
Thu Nov 20, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 3449

Re: HMO vs PPO

Question: What DOES one do when traveling Limited networks are a fact of life. Regardless of HMO or PPO for here, within the US, check to see if your plan covers out of network emergency transport and ER treatment. Mine does. Though balance billing could still be an issue. If its not an emergency c...
by furwut
Thu Nov 20, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1178

Re: HMO vs PPO

My guideline for choosing a medical plan is to look at what medical services I used in the past year and determine what offered plan would best provide that coverage. However - for you I think you should determine under which plan the costs for delivery and new born care would best be covered. Add t...
by furwut
Thu Nov 20, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1178

Re: How much is saved by taking mass transit to work?

You also should drive at highway speeds twice per month for around 20 minutes. Be generous in giving the car time to warm up after it has been sitting (people should do this anyhow): let it run for 30-60 seconds after starting it and drive very gently for the first 10 minutes or so. @Victoria One s...
by furwut
Thu Nov 20, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3976

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I always get Turbotax free from Vanguard for being a good customer or whatever they call me. I need schedule D. Will I be able to download whatever Turbotax version that has Sch D from Vanugard for free as usual? Last year, as I recall, amidst all the brouhaha Vanguard provided the online Premier e...
by furwut
Thu Nov 20, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16617

Re: Do I really need a car?

How are US grocery stores on on line order and deliver? I've never used that service but I see the delivery trucks nearly every evening. I suppose for a large order the delivery fee would be reasonable. With grocery stores so close it seems strange that someone couldn't take just an hour a week to ...
by furwut
Wed Nov 19, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a car?
Replies: 11
Views: 1081

Re: New teenage driver - which car for insurance

Simple then. Get 3 quotes with your teenager assigned to each vehicle. Choose the lowest. But I think what the insurance company is asking is what vehicle the teenager will principally drive. If is really equal then your choice.
by furwut
Wed Nov 19, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 2537

Re: How much is saved by taking mass transit to work?

How much is going to be highly variable depending an individual's situation. The BIG savings is if, by using mass transit, one can reduce the need having a car altogether. Either going from 2 cars down to one or becoming car free. Cars spend 95% or more of their life just sitting. They have high fix...
by furwut
Wed Nov 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3976

Re: Question About Retiring Early and Social Security

Use Social Security's AnyPIA Calculator . Step 1: Enter your birth date, date when you expect to start receiving benefits, and set it the report to today's dollars. Step 2: Enter your previous earnings history. You can obtain these figures from your Online Social Security Statement. Step 3: Enter cu...
by furwut
Wed Nov 19, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Question About Retiring Early and Social Security
Replies: 10
Views: 1975

Re: Do I really need a car?

Yeah give it a try. I'm car free. I retired at 51 with a paid up condo located in the center of a major US city. Within 7 blocks of me I can find every conceivable need or want. I used my bike to commute to my job for the last 20 years. I also lived on a direct train route for those times I didn't w...
by furwut
Wed Nov 19, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Do I really need a car?
Replies: 11
Views: 1081

Re: Save now.... Or later?

While researching something I came across this post from the always informative Finance Buff.

Converting to Roth and Harvesting Capital Gains Under Obamacare Premium Subsidy
by furwut
Mon Nov 17, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1918

Re: Should I have even $1 in Bonds?

OP, Dirk Cotton, who writes a blog called the Retirement Cafe, made a posting titled "Pigs Love Their Portfolios" about 2 days ago. It addresses your question precisely. My RSS feed captured that post but, for an unknown reason, it is no longer on his site. So I can't link to it and it may...
by furwut
Fri Nov 14, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4242

Re: Save now.... Or later?

A strategy I'm considering is Capital Gains Harvesting from my taxable account to the top of the 15% bracket. At the top of the bracket I wouldn't qualify for an ACA subsidy but realizing the gain now tax free may be the better deal for me as I'm currently fine with the cheapest ACA plan. After Than...
by furwut
Fri Nov 14, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1918

Re: Should I have even $1 in Bonds?

Unless your motive for the money is to bequeath it in its entirety you're still going to be spending some of it. Historically portfolios that have some bonds have a higher safe withdrawal rate than those without.
by furwut
Fri Nov 14, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4242

Re: Individual stocks in retirement portfolio?

It would interesting to go back to the advisor and ask what attributes he sees in you that makes him believe you will be a superior stock picker.

Maybe he was wants to "help".
by furwut
Thu Nov 13, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual stocks in retirement portfolio?
Replies: 14
Views: 672

Re: Dividend yield from 60/40 stocks/bond

And if that's what you had asserted to begin with I might have pointed out total return vs. yield, but we would have had no further disagreement. My problem was your saying, here, on a public forum plenty of non-registered people come to for insights, that S, whatever we contend it stands for, WR =...
by furwut
Wed Nov 12, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: Dividend yield from 60/40 stocks/bond

Well PJW I think you're being overly argumentative. The point I was trying to make is in the paper i linked to. If in my causal posting I threw out a number 4% when I should have been more generalized and simply said "higher than today" and that upset you then I apologize. It is far beyond...
by furwut
Wed Nov 12, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: Dividend yield from 60/40 stocks/bond

The point is you claimed a 4% distribution yield for the Trinity study, although you may not have known you were doing so, such that the capital at the beginning would still be there at the end. That's very much not the conclusion the researchers reached, because it isn't the question they asked. A...
by furwut
Wed Nov 12, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: Dividend yield from 60/40 stocks/bond

Hmm - well then I'm not following your point. Dividends and Yield are a component of total return. In the past these have traditionally been higher. If the investment world has now permanently reduced this to, say 2%, then what does that mean with regards to the historically safe withdrawal of 4%? I...
by furwut
Wed Nov 12, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: Dividend yield from 60/40 stocks/bond

That's incorrect. Not only isn't it classic nor necessarily sustainable


I really meant to say the Safe Withdrawal Rate.
by furwut
Wed Nov 12, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: Dividend yield from 60/40 stocks/bond

I don't agree with a dividend strategy if, in pursuit of income, it leads one to chase yield into riskier holdings. However, I think the yield from a well diversified basket of stocks and bonds tells us something. The classic sustainable withdrawal rate is 4%. Over that time I think the typical dive...
by furwut
Wed Nov 12, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1638

Re: HSA strategy

I have Chase HSA through my employer with horrible choices If I'm not mistaken one can transfer, say annually, your contributions to another, better HSA. So a hybrid approach would be to use the employer contributions for current medical expenses and allow your contributions to grow in another HSA....
by furwut
Wed Nov 12, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1403

Re: Save now.... Or later?

I face the same dilemma as you. To be sure there is an optimum choice but knowing it ahead of time is the hard part! It could be reasonable to draw on the 401[k] now in preference over your taxable account because of the favorable marginal tax rate. Once SS starts you could be facing much higher tax...
by furwut
Wed Nov 12, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1918

Re: ACA 2015 Policies Available

Timely topic. Have to check if my state run exchange is showing information as well. For my first year of retirement I chose the cheapest HDHP Bronze plan offered. I'm not sure how good my out of network coverage is. For future years I may be traveling more and so have to bring this into considerati...
by furwut
Tue Nov 11, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA 2015 Policies Available
Replies: 12
Views: 1483

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

I attended a retirement seminar and received a 'free' 1 hour advice visit with a financial adviser. He wants me to put my company pension and 401K in a variable annuity. I'm sorry - I haven't read any of the replies to OP but is there anybody in the financial services industry who ISN"T a croo...
by furwut
Fri Nov 07, 2014 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7775

Re: 401k millionaire

Many people are also hindered with HCE limits.
by furwut
Fri Oct 31, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 27
Views: 5060

Re: Upgraded to OS X 10.10 Yosemite

Unless you are driven to always be among the first waiting for the inevitable service release is a wise policy.
by furwut
Thu Oct 30, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4781

Re: Any Legal ways to lower MAGI for ACA signup?

Consider placing your fixed income investments in tax advantaged accounts and holding just stocks in your taxable. Then by a combination of tax loss harvesting and lot selection you'll have greater control over your taxable income.
by furwut
Thu Oct 30, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4379

Re: Apple Pay, Google Wallet, credit, and us

If I had an iPhone 6 Id go into one of these retailers, that have disabled their NFC terminals, pick out a ton of stuff plop it on the counter and whip out my phone. Went they tell me to pay another way I'd shrug and say no thanks and tell them never mind - I'll just go down the street to their comp...
by furwut
Thu Oct 30, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9053
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