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Re: Home/Auto insurance: Amica or Travelers?

I really like my local State Farm agent, however, their price increases have been VERY aggressive. After I renewed for 2014 I received Warren Buffet's shareholder letter and all became clear. Next year I will be moving a Amica. pg 7 "If our premiums exceed the total of our expenses and eventua...
by pshonore
Mon Sep 22, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 1415

Re: Engineered Hardwood

"Engineered" hardwood generally refers to a thin layer of real hardwood bonded to a dimensionally stable substrate like plywood. As Ged points out, its great for below grade applications. Laminate (like Pergo) is a photo bonded to some other core and usually contains ingredients that make ...
by pshonore
Sat Sep 20, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 13
Views: 1046

Re: Home Insurance Policy Declaration Questions

You'd be surprised how Personal Property adds up. Imagine moving into a house and having nothing to furnish it with because all your possessions were lost a tornado. Everything from toasters to toys to all your clothing, rugs, etc. The 200 pair of shoes the typical wife owns :happy , Computers, TVs,...
by pshonore
Sat Sep 20, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Policy Declaration Questions
Replies: 11
Views: 893

Re: Home Insurance Policy Declaration Questions

OP has stated his dwelling coverage is $405K. There seems to be a big disconnect if the home is worth 900K. $732 sounds quite reasonable for 405K of coverage although we do not know his deductible.
by pshonore
Fri Sep 19, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Policy Declaration Questions
Replies: 11
Views: 893

Re: The Roosevelts, PBS special

I was somewhat surprised to hear that FDR as Asst Navy Secretary used a US Navy Destroyer to travel back and forth for his summer vacations from NYC to Campobello Island on the Maine/Canadian border and evidently steered the ship. Sounds like a waste of taxpayers money. He also designed his own per...
by pshonore
Fri Sep 19, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 90
Views: 6591

Re: AliBaba

deleted
by pshonore
Fri Sep 19, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 96
Views: 5769

Re: The Roosevelts, PBS special

I was somewhat surprised to hear that FDR as Asst Navy Secretary used a US Navy Destroyer to travel back and forth for his summer vacations from NYC to Campobello Island on the Maine/Canadian border and evidently steered the ship. Sounds like a waste of taxpayers money. He also designed his own pers...
by pshonore
Fri Sep 19, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 90
Views: 6591

Re: Tax Question about Tuition Expenses

IRS should have gotten an electronic copy so probably not.
by pshonore
Thu Sep 18, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Tuition Expenses
Replies: 8
Views: 541

Re: Tax Question about Tuition Expenses

Do you have a 1098T form issued by the institution for the expense? Claiming an education credit without one is going to raise a red flag. I believe books are only a valid expense for the AOC.
by pshonore
Thu Sep 18, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Tuition Expenses
Replies: 8
Views: 541

Re: Worker's Comp for Nanny - reasonable price?

Actually the rate for childcare workers is not that high (about $1.40/$100 of payroll in Florida- other states may be higher or lower). That's a couple of multiples of an office worker, but a small fraction of what some of the trades pay (roofer, tree workers, electrician, etc.). We always joked tha...
by pshonore
Wed Sep 17, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worker's Comp for Nanny - reasonable price?
Replies: 7
Views: 816

Re: Estimated SS COLA for 2015

Here are some rough calcs on possible COLAs based on the Sept CPI-W to be released next month. 233.136 1.6% 233.827 1.7% 234.518 1.8% Here are the last three Monthly CPI-W numbers: 234.702 , 234.525, 234.030 for June July and Aug (June gets dropped and replaced by Sept next month) I'm picking 1.7%
by pshonore
Wed Sep 17, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 11
Views: 1050

Re: Worker's Comp for Nanny - reasonable price?

Most carriers do not like to write small policies; just too much risk and not enough profit.
by pshonore
Tue Sep 16, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worker's Comp for Nanny - reasonable price?
Replies: 7
Views: 816

Re: You may want to rethink the odds of ever needing LTCi

My Genworth agent told me that 70% of their LTC claim $ get spent on other than nursing homes. (assisted living, in home care, etc.)
by pshonore
Tue Sep 16, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 74
Views: 7010

Re: You may want to rethink the odds of ever needing LTCi

And everything said so far could also be said of homeowners insurance. Most people never use it, and when it is needed the coverage is often incomplete and some insurers are bad about paying claims. And when a home is damaged, often a person could afford to pay for repairs without insurance. And st...
by pshonore
Sun Sep 14, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 74
Views: 7010

Re: Personal Personal Taxes and Budget (Scenario Check)

Note that FICA and Medicare are not deducted when figuring taxable income. If your MAGI is over 96K you may not get a full deduction for TIRA contributions since you are covered by a retirement plan at work. Suggest you run the numbers thru Taxcaster as a double check
by pshonore
Sat Sep 13, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Taxes and Budget (Scenario Check)
Replies: 13
Views: 1052

Re: What if the institution doesn't accepts 529s?

You might ask the institution if they issue 1098T forms. Most eligible ones do. That would possibly allow for an education credit.
by pshonore
Thu Sep 11, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: What if the institution doesn't accepts 529s?
Replies: 11
Views: 1186

Re: Self-insurance option for auto insurance in TX (601.122)

Also remember that if you have any kind of liability insurance (including auto), there is in theory, no limit to how much the company will spend to defend a suit against you. If you self-insure by putting up cash, collateral, etc with the state, who's going to pay the attorney ? Simple answer - YOU....
by pshonore
Wed Sep 10, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-insurance option for auto insurance in TX (601.122)
Replies: 12
Views: 838

Re: Anyone use Legal Zoom for LivingTrust?

"Yet people leave their investments to the advice they receive on a website (bogleheads)." True. The difference is that the Bogleheads will not be here for your family when you say away. An estate attorney will be. If someone's estate is extremely simple, no problem. If the estate is siza...
by pshonore
Tue Sep 09, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4862

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

Given the relatively small amount ($8K total), it may make more sense to just take the entire amount and be done with it, particularly if you are within the 5 yr period.
by pshonore
Tue Sep 09, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1016

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

My wife and I have both received inheritances in the past. In both cases, all assets (properties, stocks, etc.) were liquidated and all taxes were handled by the deceased estate attorney before any proceeds were disbursed. We didn't have to pay any taxes, as they were taken care of before disbursem...
by pshonore
Tue Sep 09, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1016

Re: Drop son's car insurance while away at college?

The insurance is on the car, not the person (although the driving experience of the primary driver affects the rates). If the car is not being driven by anyone, it doesn't need to be insured. If the person drives another car while away, he needs to make sure the car is insured, and he has the owner...
by pshonore
Fri Sep 05, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Drop son's car insurance while away at college?
Replies: 18
Views: 1125

Re: Which generator do you have?

I'm curious - how do you "plug-in" the furnace? Most furnaces are wired into your service panel. Assume you have a transfer switch?
by pshonore
Thu Sep 04, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7519

Re: Social Security Delayed Retirement Credits

Not really; POMS says DRC increases are effective either: •January of the year following the year the increment months were earned; or •The month of attainment of age 70 (age 72 when applicable); or •The month of death for widow(er)s. There seems to be some doubt about the first one though. Believe ...
by pshonore
Wed Sep 03, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 43
Views: 3481

Re: SG 100 Rare Stamps Index

I think you could if you bought the right stamps - early US airmail, Graff zeppelins, 19th Century British Commonwealth, early US stamps (pre 1900) etc. But it kind of like trying to pick a good active fund in advance. And condition is critical. Not as bad as coins but almost. At one time most folks...
by pshonore
Wed Sep 03, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: SG 100 Rare Stamps Index
Replies: 11
Views: 814

Re: [Symantec anti-virus] Norton Auto Renewal

Don't forget the program doesn't stop running; you just don't get updates (although I think I'm still getting something)
by pshonore
Wed Sep 03, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 21
Views: 1109

Re: 78 year old retired father

CG Tax sounds high. Was it a personal residence, rental, etc. What's his basis? Is there depreciation recapture, etc?
by pshonore
Wed Sep 03, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: 78 year old retired father
Replies: 11
Views: 874

Re: which engine and transmission options to choose for Taco

The 5.7L/6 speed still has a conventional shift lever. RAM has a great lease deal going right now. $2500 down, $169/month for 2 years 10K miles per year (although I think that's for competitive lease holders so it may cost you a few bucks more). Try it for 2 years. If you like it, keep it, otherwise...
by pshonore
Wed Sep 03, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2101

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Sad that even as a federal employee, I am not eligible to join :( would love to use this offer. My grandfather was in the army and my uncle is retired navy, but I think this May be too far removed for qualifying. Grandfather would count if he was retired Army and not just a plain vanilla vet stepch...
by pshonore
Wed Sep 03, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3308

Re: [Symantec anti-virus] Norton Auto Renewal

After getting "auto-renewed" once about 2 years ago, I turned off the auto renew feature. Now I get warnings a few times a day about "expired, no protection", etc. Oddly, every two weeks or so I get a pop-up that says in effect "Your Norton A/V Protection has been updated wi...
by pshonore
Wed Sep 03, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 21
Views: 1109

Re: Rewards credit card advice

The bank of america pays an extra 50% of the cash back if you deposit it to your B of A account instead of getting a check. I think that might a 10% bonus for redemption into a BOA account. There is also a $100 cash bonus for making $500 worth of purchases in the first 90 days. https://www.bankofam...
by pshonore
Wed Sep 03, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 33
Views: 7288

Re: which engine and transmission options to choose for Taco

Ever consider the Dodge Ram 1500 4X4 ? The Crew Cab model has a back seat that is bigger than a full size passenger car. Even the Quad cab has a smaller back seat but still ample. I Have the Hemi V8 with a 6 speed auto. 17mpg around town and 22 MPG on the highway for a trip. They do have a V6 that i...
by pshonore
Wed Sep 03, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2101

Re: Costco:is it worth it for just two people?

I was just there yesterday. Noon on Sunday is not a good time to go. Totally agree with the free samples causing aisle blockage. I don't find any great bargains there and I believe their meat no better than most local supermarkets. I am hooked on the Loin Lamb chops though. Their no-grain dog food ...
by pshonore
Mon Sep 01, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11056

Re: HSA pre-tax contribution rules

You can withdraw excess contributions without penalty by the due date of your return; any associated earnings will be taxed. True, but the HSA people may charge a processing fee. For instance HSA Bank charges $25 for this service. But an excess returned to you goes on Line 21 of Form 1040. Astute t...
by pshonore
Mon Sep 01, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1313

Re: Costco:is it worth it for just two people?

I was just there yesterday. Noon on Sunday is not a good time to go. Totally agree with the free samples causing aisle blockage. I don't find any great bargains there and I believe their meat no better than most local supermarkets. I am hooked on the Loin Lamb chops though. Their no-grain dog food i...
by pshonore
Mon Sep 01, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11056

Re: Husband rear-ended, driver ignoring his insurance

This might vary by state, but the states I have lived in, this is the case. If the other party is at fault, their liability insurance covers your car. You are not subject to deductible and can get rental car even if you don't have rental car coverage. If they don't have insurance, your uninsured mo...
by pshonore
Mon Sep 01, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5081

Re: disconcerting insurance company downgrade

ll? It sounds to me as if you're more worried than warranted, in this instance, and for the future you can, if necessary, change insurers annually or perhaps more often. As you learned, it's helpful to shop around from time to time. PJW In CA, can't speak for other states, you can cancel your auto ...
by pshonore
Sun Aug 31, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: disconcerting insurance company downgrade
Replies: 18
Views: 1564

Re: Which generator do you have?

5000 Watt (6500 peak) Coleman generator - $400 @ Home Depot; $400 for purchase of manual transfer switch and installation by electrician. $50 misc. cables and plugs. Total $850 Runs 220V well pump, furnace including Hot water, frig, lighting circuits including computers/tv etc.
by pshonore
Sun Aug 31, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7519

Re: 529 for IT Certificates and other Job Related Training

Ask if they issue 1098T forms. If they do, there should be no question.
by pshonore
Fri Aug 29, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 for IT Certificates and other Job Related Training
Replies: 2
Views: 205

Re: Question for Mac Excel 2011 users

Not sure if I understand your question, but I generally put the "quote function" in a worksheet by itself and then reference the data (like price, net change, etc.) in another worksheet. Of course you can always do things like make the col width of the columns you don't want to see be 0, c...
by pshonore
Fri Aug 29, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 13
Views: 993

Re: My husband's " WILL", $ left for me to live on....

Why aren't you getting Social Security as a stay at home Mom of a child? AFAIK, you can collect that benefit at any age. They are getting $1K a month for their 7-year-old. "My husband currently receiving social security around $2000 for himself and $1000 for our 7 years old, total of social se...
by pshonore
Thu Aug 28, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17355

Re: My husband's " WILL", $ left for me to live on....

Why aren't you getting Social Security as a stay at home Mom of a child? AFAIK, you can collect that benefit at any age.
by pshonore
Thu Aug 28, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17355

Re: Guidance on car insurance

Please advise on a reasonable amount of car insurance that my wife should carry. After reading several articles on the subject and perusing through several threads on this site, I was able to decide on some of my insurance needs, but still unsure on the others. Can someone advise on a reasonable co...
by pshonore
Tue Aug 26, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 723

Re: Backyard Shed

Here are a few pics of a small shed (12X18 with loft; 12/12 roof pitch) I designed and built it a few years back. Timber frame construction using all native lumber from a local saw mill (1X flooring, siding, roof, etc and 6X6, 6X8 posts and beams and 2X8 for joists, etc.) Foundation is Pressure Trea...
by pshonore
Sun Aug 24, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1518

Re: Why is a back door Roth necessary

[OT comment (on OT thread) deleted by admin alex]
by pshonore
Fri Aug 15, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is a back door Roth necessary
Replies: 6
Views: 874

Why is a back door Roth necessary

We seem to spend an inordinate amount of time discussing back door Roths. Since anyone with earned income can contribute to a Roth either directly or back door, why doesn't the IRS eliminate the income limits on Roth contributions and simplify things? Do they think people above the limit don't know ...
by pshonore
Fri Aug 15, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is a back door Roth necessary
Replies: 6
Views: 874

Re: Why would a passive investor use ETFs?

So basically my understanding is that when the mutual fund investor sells their position, the fund gives them the shares with the lowest cost basis, allowing the fund to eliminate the capital gains it would've built up. Something that other investment companies can't do. I don't think the average f...
by pshonore
Fri Aug 15, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3780

Re: Home health aide an independent contractor?

Yes on the unemployment insurance premiums.
by pshonore
Fri Aug 15, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Home health aide an independent contractor?
Replies: 7
Views: 482

Re: Indirect grilling (now a total fan)

Sam's Club has the Vision grille (direct competitor to Big Green egg) on end of season sale right now for about $400. That's a great buy. Check your local store for availability
by pshonore
Fri Aug 15, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Indirect grilling (now a total fan)
Replies: 13
Views: 1943

Re: Home health aide an independent contractor?

Also might want to check if Mom's Homeowners Policy can be endorsed to provide Workers Comp for the aide. Probably not, so she may want to consider purchasing that policy as well.
by pshonore
Thu Aug 14, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Home health aide an independent contractor?
Replies: 7
Views: 482

Re: Social Security benefits for surviving spouse

But there might be some kind of workaround, which is why I think she should get expert advice. If bogleheads aren't experts, why do people ask questions here? Because we are all know-nothings? Penguin gave her the workaround in the second non-OP response: withdraw her application for her own benefi...
by pshonore
Thu Aug 14, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits for surviving spouse
Replies: 34
Views: 1675
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