Search found 5928 matches

Return to advanced search

Re: Changes to T-Mobile's pay-as-you-go plan

Looks like the website account information is clear now.

Ours shows: "Use by: 6/16/2015 10:00:00 PM" and also has dollar balance, minutes, and messages.
by jeffyscott
Sun Nov 23, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Changes to T-Mobile's pay-as-you-go plan
Replies: 12
Views: 3348

Re: Seeking a Cellphone Change

Since you have reception issues, I'd think you would first want to figure out what network would fix that (if any). There are only 4, and you already know T-Mobile is not good, so that leaves Verizon, Sprint, and AT&T to investigate. Then you can look into the prepaid MVNOs that use whatever net...
by jeffyscott
Sat Nov 22, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Seeking a Cellphone Change
Replies: 16
Views: 1418

Re: HSA vs 401K

If it were a much larger amount, I'd insist, but I've decided to take the sub-optimal limited benefit and spend it as we go. I don't think it is suboptimal, unless you are maxing out 401K and Roth and still have enough after-tax money to pay the bills while leaving the HSA alone. I'll have only 2-3...
by jeffyscott
Sat Nov 22, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs 401K
Replies: 19
Views: 1326

Re: best bank for online billpay

From what I have read, some banks take the money out of your account when you write a bill pay check. Others wait until the check clears. You want the second type. Curious why you think the second type is better. In a (nearly) zero interest rate world, there's no difference. It's almost more conven...
by jeffyscott
Sat Nov 22, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 21
Views: 1226

Re: Advantages of HSA?

In the Obamacare exchange, I've most often seen HSA's paired with $12,700 deductibles/out of limit maximums with $0 coverage out of network. In employer plans, they might offer better values but deductibles still would be high. Depends on the meaning of high, my employer HDHP has $3000 deductible t...
by jeffyscott
Sat Nov 15, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of HSA?
Replies: 13
Views: 1195

Re: Advantages of HSA?

Also, wouldn't we end up paying significantly more for doctor/dentist/optometrist visits? Well it's either that or pay more in premiums, instead. I had a choice to pay about $150 more per month for traditional coverage compared to HDHP with HSA. The HDHP has $3000 deductible or effectively $2650 af...
by jeffyscott
Fri Nov 14, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of HSA?
Replies: 13
Views: 1195

Re: Confused by Wiki Advice on HSA Spending

I see no long-term tax advantage in moving money from an HSA to any other " tax-advantaged" fund. All other funds pay a tax sometime. Only your HSA avoids the tax all the time. Mark me confused. : ) You avoid tax only if you use the money for medical expenses. I think the issue is whether...
by jeffyscott
Wed Nov 12, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 22
Views: 2086

Re: Confused by Wiki Advice on HSA Spending

I'll be new to this HSA thing next year. I plan to pay medical expenses with it as we incur them. I would not want the hassle of keeping receipts for 20 years or whatever. I did not even care if this was the "best" way, but I guess it is as we probably will not be maxing out retirement acc...
by jeffyscott
Tue Nov 11, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Confused by Wiki Advice on HSA Spending
Replies: 22
Views: 2086

Re: My DISH tv bill just keeps going up and up

What's the solution for current shows on premium channels like HBO, Shotime, etc like Boardwalk Empire, Ray Donovan, Homeland, Episodes, Shameless, etc. Is there any legal way to get current episodes for those other than through cable? I doubt most people watch those channels for the movies. Well, ...
by jeffyscott
Tue Nov 11, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4360

Re: 1276% toll admin fee from Dollar. 86% of rental cost

All rental car companies make more money from extra charges than from the rental of car itself, I would assume, at least based on the rates I have typically paid. The car maybe $15 per day, while gps is maybe $7 and insurance is as much as the car. These add ons for tolls are the same sort of thing....
by jeffyscott
Sun Nov 09, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7076

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Dollar has no way of knowing the toll wasn't paid until they get a bill from the toll authority. That bill includes the $15 admin fee because madbrain's husband never paid the toll. My reading of it is if a car does not have the pass a bill is mailed, the bill is then due within 30 days. No one wit...
by jeffyscott
Sun Nov 09, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7076

Re: My DISH tv bill just keeps going up and up

Take any cheap Windows 7 or 8 desktop computer** with an HDMI output and hook it to the TV. Throw in a Mohu Leaf indoor antenna for over-the-air network channels. It improved our TV watching experience (ymmv), and cut down the entertainment bill to $8/month (netflix). ** I tried Roku, Apple TV, and...
by jeffyscott
Sun Nov 09, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4360

Re: 1276% toll admin fee from Dollar. 86% of rental cost

I would have no problem paying the $2.35 toll that may or may not be due, but the $30 admin fee really stings. The $30 is 1276% of the actual toll amount. The 5-day rental car cost was only $34.73, so that $30 admin fee is also 86% of the cost of the rental price. Wait...this is over $30 :?: I'd mi...
by jeffyscott
Sun Nov 09, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7076

Re: Sell or Rent Home

I would not want the hassle, especially with a negative cash flow from renting. Will you really be able to manage this from afar or will you end up hiring a local management company to handle the details for you? If doing it yourself, how will this work when a tenant moves out and you have to determ...
by jeffyscott
Sun Nov 09, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent Home
Replies: 8
Views: 776

Re: 1276% toll admin fee from Dollar. 86% of rental cost

From the Texas Toll website: If a Toll Bill is not paid within 30 days, the vehicle owner will be issued a Notice of Toll Violation and will be assessed a $15 administrative penalty. I think you are mistaken. That fee is if you do not pay on time. If you do pay on time, they just charge 50% extra: ...
by jeffyscott
Sun Nov 09, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7076

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Thanks for the post. We are planning a trip to FL and I had noted that they have toll roads, but had not given any thought to how that works for rental cars, just assumed they would have a cash payment option like the Chicago area. I guess I better check into that. Here's an article I found on this ...
by jeffyscott
Sun Nov 09, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7076

Re: Supreme Court Blues

Consider whether would there be more political pressure than there was to accept Medicaid expansion and whether states which refused to accept that would do anything to fix this issue. Absolutely there would be, there is a big difference between taking something away from people and not letting the...
by jeffyscott
Sat Nov 08, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2193

Re: Supreme Court Blues

If you can afford insurance without subsidy, why would it matter? Health insurance existed before the ACA, it would continue to exist without it. Even if there were to be an adverse decision, there would then be enormous political pressure to fix the problem in some way. If this foolishness results ...
by jeffyscott
Sat Nov 08, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2193

Re: New Amica discounts available

Essentially, you can look at the quoted price for the dividend policy and anticipate getting 20% of that back at the end of the year: http://www.amica.com/products/dividend.html Thanks - how much more are the premiums on a dividend policy usually compared to a normal policy? I have non-dividend pol...
by jeffyscott
Fri Nov 07, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2743

Re: testing cell phone coverage with discarded cell phones

Thanks for the suggestions, but straight VoIP at home isn't an option at this time, it is for technology-adverse users and cannot tolerate any additional complexity- An Ooma VOIP device is certainly not complex, of course there is a bit of set up involved but after that it is like a normal landline...
by jeffyscott
Sun Nov 02, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: testing cell phone coverage with discarded cell phones
Replies: 13
Views: 819

Re: Need help with what should be simple... a landline phone

I also have Comcast at around 50 mbps. I use an Ooma Machine I got from Costco. It is also Voice over internet, but I have never had a problem with it in the 3 years I have owned it. It actually works better than the Land Line it replaced. We have 15 mbps and no problem with Ooma. We also never had...
by jeffyscott
Sun Nov 02, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Need help with what should be simple... a landline phone!
Replies: 18
Views: 1335

Re: Anyone consider retiring to Vancouver, Washington?

For example, I can see that Nashville has a lot more sun in the winter than Portland, but that their total yearly hours of sunshine are not too far apart. Nashville is somewhat less humid than Porland, but gets, on average, 50% more inches of snow! Wow :!: 50% more inches...amounting to all of 2 ex...
by jeffyscott
Sun Nov 02, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4424

Re: Shiller PE10 - by the numbers

All else being the same, what will happen to the Shiller ratio when 2008, 2009, and 2010 fall off the calculation? In other words, what is PE4? You can download his spreadsheet and make whatever adjustments, projections, or calculations you like. I have done this in the past and changing the low ea...
by jeffyscott
Sun Nov 02, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 - by the numbers
Replies: 26
Views: 2742

Re: ACA and sudden drastic change in income

blorell wrote:I'm making just enough to qualify to buy insurance on the exchange.


I think anyone can buy insurance on the exchange. My understanding is your income only determines if you are eligible for a subsidy.
by jeffyscott
Sat Nov 01, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA and sudden drastic change in income
Replies: 20
Views: 2106

Re: HMO, PPO, or HDHP+HSA

I assume the Kaiser plan has a more limited network, otherwise the premiums make no sense. Kaiser looks to be clearly the cheapest under any circumstances as it has the lowest premiums, lowest deductible, and lowest max OOP. It seems to me there is no financial question here, the question is are you...
by jeffyscott
Sat Nov 01, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: HMO, PPO, or HDHP+HSA
Replies: 3
Views: 538

Re: Windows XP

I need Windows to run Netflix. Actually, you don't any longer, Netflix can now run in Linux (and without Wine or other workarounds). All I needed to do was get the chrome user agent changer and tell it to pretend it was running under windows. I did this about a month ago and it is working fine. Ins...
by jeffyscott
Mon Oct 20, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 3046

Re: Windows XP

I need Windows to run Netflix. Actually, you don't any longer, Netflix can now run in Linux (and without Wine or other workarounds). All I needed to do was get the chrome user agent changer and tell it to pretend it was running under windows. I did this about a month ago and it is working fine. Ins...
by jeffyscott
Mon Oct 20, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 3046

Re: Windows XP

Our desktop that had XP is now running Xubuntu the LTS version. I am also using Mint XFCE (LTS) on an older laptop and I have Peppermint (also LTS ubuntu based) on another old laptop which is connected to one of our TVs and used only for streaming to it. I began a transition to Linux about a year ag...
by jeffyscott
Sun Oct 19, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 3046

Re: Queston About Funding 1st (Partial Year) of Retirement

I am a couple years away from that situation, but have thought about it some. For me one issue will be health insurance subsidies, but if you are in 25% bracket I would assume income is too high for that to be a concern. Another thing to consider would be the effect on taxation of SS benefits, if yo...
by jeffyscott
Sun Oct 19, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Queston About Funding 1st (Partial Year) of Retirement
Replies: 3
Views: 548

Re: Fidelity AMEX: Close Saphire and SPG

We do a lot of shopping at Costco, so I really should look into getting that Amex. Definitely do your due diligence. Costco purchases only earn 1% aside from gas and travel. That is wrong actually, the Fidelity AMEX is not a issued by AMEX itself, it's issued by FIA (BoA) and is just AMEX branded, ...
by jeffyscott
Wed Oct 15, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2442

Re: Fidelity AMEX: Close Saphire and SPG

For ongoing use, sure. I have not gotten around to getting a 2% card since Schwab's ended, but prefer my 1.5% cash rebates to airline points for ongoing use. I do cash in on sign-up bonuses, though. We do a lot of shopping at Costco, so I really should look into getting that Amex. Currently using a ...
by jeffyscott
Sat Oct 11, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2442

Re: Robert Shiller on What to Watch in This Wild Market

In three tumultuous days this week, the Dow Jones Industrial Average dived 273 points, then jumped up 275 points, then dropped 335 points. It's just not as thrilling and those dramatic verbs don't work, if that were written as something like: "In three tumultuous days this week, the Dow Jones ...
by jeffyscott
Sat Oct 11, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 2069

Re: Why choose a LifeStrategy Fund?

LifeStrategy funds have not been subject to the sort of policy changes that the retirement funds have. In 20 years the only changes have been to drop the asset allocation fund and add international bonds. Seems like every bull market one company or another decides that everyone in their retirement f...
by jeffyscott
Sat Oct 11, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3802

Re: Paying off a 6.5% mortgage

For the sake of avoiding a few nuisance fees OP would be loseout on decades of investment returns, probably totaling hundreds of thousands of dollars, on the additional capital that he would need to employ when paying off the mortgage in whole. It's nice to know the stock market is a sure thing. Ma...
by jeffyscott
Tue Oct 07, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3957

Re: Moving to 3-fund - requires realizing large capital gain

However looking to the future not the past as the OP is correctly doing, and already having the 10 stocks, efficient markets would say there's no more chance of the winners lagging the market from here on than getting further ahead of it. So, assuming the individual stocks will be more volatile, mo...
by jeffyscott
Sun Oct 05, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2286

Re: Moving to 3-fund - requires realizing large capital gain

Besides, you have all these gains - $200K! You can't exactly call these stocks a mistake, even if one or two do go belly up. I think you are correct in changing over to index funds, but these stocks have served you well so far. Gains which can be locked in only by selling and paying tax. The choice...
by jeffyscott
Sun Oct 05, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2286

Re: Home Ownership Maintenance Reserve

If you have a solid emergency fund you don't need a home maintenance fund. If you want one I suggest looking at roof, heating, AC system, kitchen, etc condition and expected life and cost and plan for those costs rather than a generic 1% or whatever. I think you also need to look at when these thin...
by jeffyscott
Sun Oct 05, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Home Ownership Maintenance Reserve
Replies: 11
Views: 1776

Re: My 2015 Medicare Costs/benefit changes

Important also is the fact that the maximum cap on spending is still $3,400 - no change from 2014. I'm a long way from Medicare, but this would be the most important factor to me...what is the worst case for total max OOP + monthly premiums. Secondary consideration would be the expected total cost ...
by jeffyscott
Sun Oct 05, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: My 2015 Medicare Costs/benefit changes
Replies: 13
Views: 1559

Re: Pension buyout...take annuity now or later?

Regarding the potential exposure of Social Security benefits to taxation. Under current law 50% of SS is taxable at, I believe, $32,000 and 85% at $44,000 (based on 1/2 of SS benefit plus other income). This is not indexed to inflation. A typical SS benefit of, say, $20K today will be $33K after 20 ...
by jeffyscott
Sun Oct 05, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1579

Re: Pension buyout...take annuity now or later?

How did you get 85%? If I get a online quote it's more like 62%. See https://www.immediateannuities.com/ I guessed your "mid-forties" age as 45. Paying out that $33670 lump sum today only buys you a $441 single life annuity starting at age 65. JW And for single life starting immediately i...
by jeffyscott
Sun Oct 05, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1579

Re: Health Care FSA Questions

Just to make sure I'm understanding this correctly: FSA funds only pay for the current year expenses(you can only make claims until next year January). Say my current bill is $1200. I set up 12 monthly payments with the hospital starting in November. Will my "expenses" from the procedure ...
by jeffyscott
Sun Oct 05, 2014 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 419

Re: Health Care FSA Questions

Small correction: Also, regarding claims I made an error of saying January, but this depends on Plan. Some plans allow to submit the claims of previous year medical bills against previous year FSA balance amount until March of current year. Some allow expenses for medical bills through March of the...
by jeffyscott
Sun Oct 05, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 419

Re: Annual savings to taxes ratio?

Might have been good to have some categories for savings at higher multiples of taxes than 2x?

Our savings was nearly 6x taxes.
by jeffyscott
Sun Oct 05, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Annual savings to taxes ratio?
Replies: 25
Views: 2667

Re: Paying off a 6.5% mortgage

IPer wrote:PS when I paid off the mortgage it made me feel like an alien, no one I ever spoke with about it could even understand what I was saying...


Yes, we were in our early/mid 40s when we became this variety of aliens and now, to add to our alien-ness, my wife is 50 and retired. :mrgreen:
by jeffyscott
Sun Oct 05, 2014 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3957

Re: Paying off a 6.5% mortgage

When we had a mortgage, we would put extra money toward the mortgage if the alternative was to invest in taxable accounts. We never had the option to get a loan at any lower than 6%, but then money markets were paying near that at times and I-bonds were at 3-3.6% (and for a while we did do those I-b...
by jeffyscott
Sun Oct 05, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3957

Re: Can I use a tablet for auto navigation?

Yes, we have done this both with phone and tablet using gps only, no data and free open street maps. Worked great on trip to Germany/Austria last year and trip to Oregon this year as well as for local trips. Love having the big 8 inch screen for this with the tablet. There are a few options for navi...
by jeffyscott
Sat Oct 04, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Can I use a tablet for auto navigation?
Replies: 9
Views: 925

Re: Medicare Advantage

You can also do this if you move to a different area.

Looks like all the possibilities are presented here: http://www.medicare.gov/find-a-plan/sta ... tions.aspx
by jeffyscott
Sat Oct 04, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 356

Re: Withdrawals in retirement from balanced fund

I ran out of the money market quite soon so I had to sell the stock containing funds. I really hated to sell the balanced funds at that point, but I had no choice. Well an option to avoid selling stocks, would have been to sell balanced fund and use 40% of it for spending, sending the other 60% to ...
by jeffyscott
Sat Oct 04, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 963

Re: Should my wife continue her life insurance?

We are dropping my wife's life insurance this month. She is 50 and quit working this year, that ended her small amount of employer coverage. She also has a $250,000, 20 year term policy and the 20 years ends this month. When we bought her term policy, we figured we would no longer need the coverage ...
by jeffyscott
Sat Oct 04, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife continue her life insurance?
Replies: 6
Views: 1146

Re: Moving to 3-fund - requires realizing large capital gain

I sure would not want to risk keeping 80% of my money in just 10 stocks, but would the tax bill be reduced by spreading out the selling over more than one tax year?
by jeffyscott
Sat Oct 04, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2286
Next

Return to advanced search