Search found 167 matches

by BackOfTheNet
Thu May 17, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Benefits and FSAFEDS
Replies: 4
Views: 198

Re: HSA Benefits and FSAFEDS

My understanding is that you cannot contribute to a health care FSA when you have an HSA/HDHP. You can however contribute to a dependent care FSA.
by BackOfTheNet
Thu Apr 26, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5750

Re: Comfortable Commuter Cars under $50K

How about a "new" 2016 Audi Q5 TDI. Really great engine and they are deeply discounted.
by BackOfTheNet
Tue Apr 17, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3194

Re: Las Vegas hotel

No matter where you stay, make sure to tip $20 at check in!

http://www.frontdesktip.com/

This website has reports of success or failure from each hotel.
by BackOfTheNet
Wed Apr 11, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4115

Re: Am I being unreasonable?

What about at least trying the public school first? Obviously all schools are different, but we have a kindergartner in a middle-of-the-road public school and have been thrilled with it. In fact, my wife and I often remark that if we had the exact same experience but were paying private school price...
by BackOfTheNet
Mon Apr 09, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 7693

Re: New faster DNS - 1.1.1.1 by CloudFlare

Sort of related to this is a neat project that allows you to block all ads on your home network. You just need a pretty inexpensive Raspberry Pi.

https://pi-hole.net/
by BackOfTheNet
Fri Mar 23, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Costco delivered a broken bed (threshold delivery)
Replies: 11
Views: 1000

Re: Costco delivered a broken bed (threshold delivery)

What about hiring someone to take the stuff and make the return in-store? Not an amazing outcome, but beats the 2 weeks of a broken bed in your room.
by BackOfTheNet
Tue Mar 20, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Present Value of a FERS Pension with a Spousal Benefit
Replies: 7
Views: 866

Re: Present Value of a FERS Pension with a Spousal Benefit

I played with some numbers on immediateannuities.com . 1.2M buys $5,100 per month for life. Somewhere around there? Maybe more?
by BackOfTheNet
Thu Mar 15, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5232

Re: Tires on a 15 year old car....Replace or not?

I just ran a quick quote at Costco and 4 new tires is $270 installed for a 2003 Buick Century. Not worth the risk, get them replaced.
by BackOfTheNet
Wed Mar 07, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3406

Re: Advice re: Flat Fee Real Estate Brokers.

Our arrangement was that to list on the MLS we needed to agree to pay 3% to a buyers agent if they had one. If somehow someone approached us without a Realtor, we would have saved the 3%.
by BackOfTheNet
Wed Mar 07, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3406

Re: Advice re: Flat Fee Real Estate Brokers.

I sold a house with a flat-fee type service. The selling agent charged something like $499 and that included putting the house on the MLS and providing a lock box. We also paid for professional pictures of the house. This was around $300. The way it works around here is that there is a hidden sectio...
by BackOfTheNet
Mon Mar 05, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who Has a Low Hour Post-Retirement "Job" with Good Health Insurance?
Replies: 10
Views: 1662

Re: Who Has a Low Hour Post-Retirement "Job" with Good Health Insurance?

Federal employees can (in theory) work part time. You get a proportional amount of pay and benefits.

https://www.opm.gov/policy-data-oversig ... b-sharing/
by BackOfTheNet
Mon Mar 05, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3244

Re: $500 gift card, what to do?

Jack FFR1846 wrote:
Sun Mar 04, 2018 5:08 pm
Wal*Mart. Go to the money center. If it still has $500 on it, ask for a money order for $499.30.
To me this is the best option. Second would be a $500 credit to Amazon (never expires, can't be lost). Don't mess with eBay, too many scams.
by BackOfTheNet
Mon Mar 05, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 86
Views: 6799

Re: AmEx Delta Gold Not Honoring Bonus

Submit a complaint to the CFPB. Easy way to get your issue elevated.
by BackOfTheNet
Wed Feb 28, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Leaving EJ- can i pull this off?
Replies: 38
Views: 2997

Re: Leaving EJ- can i pull this off?

Are there monthly account maintenance fees at EJ? If not, is there anything stopping you from leaving $1 in each account instead of closing? Sort of silly but would save you the $95 x 5.
by BackOfTheNet
Wed Feb 21, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA not returning excess contributions - options?
Replies: 1
Views: 226

Re: HSA not returning excess contributions - options?

I'd submit a complaint with the CFPB.

https://www.consumerfinance.gov/

My experience is that once you submit a complaint, banks find a way to work out the issue.
by BackOfTheNet
Fri Feb 16, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4511

Re: Any Creative Ways to Cut the Cable?

"DirectTV now" has a pretty good deal going right now. Prepay for 3 months of service for $105 and get a free Apple TV 4k.

https://www.directvnow.com/appletv
by BackOfTheNet
Fri Feb 09, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny tax for multiple part-time nannies / babysitters
Replies: 8
Views: 652

Re: Nanny tax for multiple part-time nannies / babysitters

IRS Household Employer's Tax Guide

https://www.irs.gov/pub/irs-pdf/p926.pdf

You have to pay tax if you pay ALL employees more than $1,000 per quarter OR one employee more than $2,100 in one year.
by BackOfTheNet
Mon Feb 05, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404861

Re: U.S. stocks in freefall

Back at Nov 2017 levels!
by BackOfTheNet
Fri Jan 19, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4642

Re: What can I do to fight this ridiculous medical bill?

If nothing else, call the hospital and ask if they can reduce the bill. My wife did this after I had a very big procedure. They said pay it in 30 days and we take off 20%. I experienced something similar when my wife gave birth at an out of network hospital. Total bill was something like $22k (3 ho...
by BackOfTheNet
Thu Jan 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 5338

Re: Car accident - was directed to sign release

Just another data point on diminished value. I was in an accident (not at fault) and asked for $1,400 in diminished value on a $3,500 repair. Other party's insurance accepted with no negotiations. Was a pretty straightforward process.
by BackOfTheNet
Tue Jan 09, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 142
Views: 13040

Re: 2018 Hedge Fund contest

LadyGeek wrote:
Mon Jan 08, 2018 4:19 pm
It's the same benchmark we've used since Norbert Schlenker started the contest. For continuity, I recommend using the same position and name.
Great, I had no idea. I added it back.
by BackOfTheNet
Mon Jan 08, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 142
Views: 13040

Re: 2018 Hedge Fund contest

I could put in some benchmarks for reference. What would an IDKAIDK fund look like? 1 long position of VTI?
by BackOfTheNet
Mon Jan 08, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 142
Views: 13040

Re: 2018 Hedge Fund contest

Overthought:

I fixed your pick. That was my fault linking to the wrong year. Also, contest entries are available to view here:

https://docs.google.com/spreadsheets/d/ ... sp=sharing

I'll also update the OP with the link. Good luck all this year!
by BackOfTheNet
Mon Jan 08, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 142
Views: 13040

Re: 2018 Hedge Fund contest

Alright so entries closed. I'll get the list put together today.
by BackOfTheNet
Tue Jan 02, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 142
Views: 13040

2018 Hedge Fund contest

Again, I meant to get this up earlier, but this is the thread for the 2018 hedge fund contest. You can find the previous year's contest (2017) here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=206778 Pick a fancy name for your hedge fund. Before 9:30 am EST on 8 Jan 2018, in this thread, p...
by BackOfTheNet
Thu Dec 21, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 55940

Re: Tax Bill Omnibus Thread

Da5id wrote:
Thu Dec 21, 2017 10:32 am
Unless you have an interest only loan, 4% of 400k mortgage isn't 16K interest. A chunk of that is principle...
His payment might be higher than $16k but a 4% loan on a $400k mortgage is roughly $16k interest.
by BackOfTheNet
Fri Dec 15, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 11523

Re: How much did you contribute to your 401k in 2017?

His $18K + $5k
Her $18k + $12k

Both 34
by BackOfTheNet
Fri Dec 15, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9027

Re: Ameriprise :(

RiverSource Variable Universal Life IV ES Insurance opening date 2007 death benefit $447,000 average guaranteed rate 3% cash value $119,000 cost $122 per mo type: non-qualified premiums paid: $145,000 As an exercise for myself, I pulled some historical VTI data to see how $145,000 invested between ...
by BackOfTheNet
Mon Dec 04, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 4026

Re: Understanding the World of Credit Card "Points"

I think that signup bonuses can be worth the effort. Between my wife and I, we open probably 10 new accounts each year just for the bonus. For example: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred 50,000 bonus points when you spend $4,000 within 3 months. $0 annual fee...
by BackOfTheNet
Mon Nov 13, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5632

Re: 2018 FEHB HDHP Recommendations

We switched to GEHA HSA for the birth of our second child and haven’t looked back. GEHA carries decent dental coverage, so we cancelled our FEDVIP coverage. Compare your total annual outlay when comparing plans, and don’t forget to factor in the premium pass-through. The HSA is housed at HSABank an...
by BackOfTheNet
Fri Nov 03, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 2092

Re: What so scary about TSP loans?

If you have enough money in the G fund you could switch your allocations such that your earnings should not change. For example if you had: $150,000 C Fund $50,000 G Fund (Paying 2.25% guaranteed) Make a change to $200,000 C Fund. Then take the $50,000 loan. Now you have $150,000 C Fund $50,000 loan...
by BackOfTheNet
Thu Nov 02, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 21603

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

rascal7298 wrote:
Wed Nov 01, 2017 11:56 am
Apparently DOD does not utilize hsa so hdhp is a no go.
I was an Army civilian about 4 years ago and had GEHA HDHP (with HSA bank) so this would be a new change.
by BackOfTheNet
Tue Oct 31, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1783

Re: Want to move kids' iPhones to a cell carrier without data overages

T-Mobile is unlimited and fairly inexpensive. Last month we used 21 GB between 2 lines and paid $80.00 taxes included.
by BackOfTheNet
Fri Oct 27, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: 91, 01, 09. Then 19? [Year for next market crash]
Replies: 27
Views: 2885

Re: 91, 01, 09. Then 19?

Trying to edit this
by BackOfTheNet
Wed Oct 25, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 17514

Re: 2018 ACA rates now live....

When my wife and I got married in 2006 we paid $87 per month on the open market for this plan: https://i.imgur.com/lGNhK6u.png Obviously you could not sell this plan today as it does not cover enough, but it was great for that stage in our life. http://agents.norvax.com/quote/brochure/HNCA/HNCA_SWP_...
by BackOfTheNet
Thu Sep 21, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3415

Re: Realtor to buy home?

What about something like PenFed real estate rewards?

https://www.penfed.org/mortgage-center/ ... te-rewards

If Penfed funds your loan AND picks your agent, you get a %1.5 credit on the selling price.
by BackOfTheNet
Tue Sep 19, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1677

Re: Time to buy a used VW Diesel?

I think there are some deals to be had on the V6 diesels. Something like this: http://www.audistratham.com/used/Audi/2014-Audi-Q5-2379959f0a0e0aea4a9cbb0126180aa7.htm?utm_campaign=deeplink&utm_medium=referral&utm_source=cars.com VW is currently on the clock to develop a fix for these vehicles. If th...
by BackOfTheNet
Fri Sep 15, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 4300

Re: The true cost of Luxury

I like getting my stuff from Costco so I feel I got a deal without breaking the bank. Recently I came upon a "sidewalk sale" from a more expensive clothing company (Mountain High Outfitters). Even at 70% off, a pullover fleece was like $30-$40. The Costco fleece I was wearing at the time felt and l...
by BackOfTheNet
Fri Sep 08, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 106
Views: 19839

Re: Classic Car for Teen Driver(?)

daytona084 wrote:
Mon Jun 25, 2012 11:54 am

Diceman,
The notion that old cars are "tanks" and new cars are flimsy is a myth.
+1 . Here is another good video:

https://www.youtube.com/watch?v=85OysZ_4lp0

A 2015 Nissan Tsuru (Basically a 1992 Sentra) vs 2016 Sentra.
by BackOfTheNet
Tue Sep 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 125464

Re: Experience selling car to Carmax?

I've sold 2 cars to Carmax (12.5K and 16.0K), both were quick and easy. I've also had good luck on Craigslist with cheaper cars ($3k and $7k). The Carmax offers on the cheaper cars were laughable.
by BackOfTheNet
Wed Aug 30, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 2329

Re: Refurbished or New TV?

I recently bought a 55 inch 4k no-name smart TV for $349. It's really nice. Apparently, now some stores have it as cheap as $139.

http://brickseek.com/walmart-inventory- ... u=55586088
by BackOfTheNet
Fri Aug 18, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 18453

Re: Lost $7000 today in ONE DAY!

TSP G fund is up.
by BackOfTheNet
Thu Aug 17, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 14670

Re: Is it worth it? [demanding jobs vs time with family]

I don't think you can fully know until you give it a try. Can you reduce your hours temporarily to see how it goes? My wife quit her job to stay home with our kids but ended up very ready to go back to work. She's now back at work and the whole family is happier. She works probably 50 hours a week a...
by BackOfTheNet
Thu Jul 20, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1780

Re: Scripters/Coders - Wanting to Learn

A great resource I recommend for beginners is below: https://projecteuler.net/ It is a series of math problems that will let you figure out the basics of the language as you solve. I think it's really well suited to python. For example, the first problem is: If we list all the natural numbers below ...
by BackOfTheNet
Mon Jun 05, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 11900

Re: Worth it to buy expensive clothes?

As far as Allen Edmonds. If you don't know, here are two potentially cheaper ways to get them. 2nds: Shoebank.com "3rds": There is an eBay seller (dabondo1 ) that sells a variety of factory rejects or shoes that have been tried on. They will accept 60% as a "best offer" on all the listed prices. The...
by BackOfTheNet
Fri Apr 21, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3577

Re: How to reduce my income tax

Your situation is very similar to ours (you are about 4 years ahead) so thanks for the thread. Our stats below for comparison but its seems like you are doing pretty good for the extra income. One Federal Employee Husband - 33/ Wife - 33 Dependents: Two (5/3) 2016 Annual Salary: $205k 2016 Adjusted ...
by BackOfTheNet
Thu Apr 20, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 1243

Re: Selling classic car via consignment

fund wrote:Have a look at bringatrailer.com.
I would also vote for bring a trailer. Like fund, I've never listed a car but I do browse quite a bit. Here is a listing of all SLs that have been listed there to get an idea of what they bring.

http://bringatrailer.com/search/mercedes+sl/
by BackOfTheNet
Mon Mar 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10123

Re: Citi card Nightmare

File a CFPB complaint.

I've filed two complaints and each time I received a phone call from a very motivated and empowered person at the credit card company. Both problems were quickly fixed after much runaround through the typical channels.