Search found 109 matches

by Nebster
Sat Aug 12, 2017 3:09 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 65
Views: 48635

Re: Experience selling car to Carmax?

I received a Carmax estimate of $28k for my vehicle a few weeks ago with KBB pp at 33.5 and KBB trade at 29. After a week of not much interest on craigslist, I got ready to take the car over there, but I tried getting a Vroom estimate on my phone on a whim. I got a $30k offer a few minutes later, an...
by Nebster
Mon Apr 10, 2017 2:09 am
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2693

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

I have carplay and think it's inferior to regular BT, because: 1) I don't like plugging my phone into the cable. 2) The phone interface for podcasts and spotify is much better than the carplay one. 3) I have a mount for my phone to put it at a good/safe position. 4) Apple Maps is weak sauce compared...
by Nebster
Sun Dec 18, 2016 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare.gov income estimate and CHIP
Replies: 12
Views: 1333

Re: Healthcare.gov income estimate and CHIP

what would stop anyone in providing an income estimate above the CHIP level to avoid a child being designated to the state CHIP program as part of the marketplace application process but then simply reporting lower actual 2016 income (still well within family subsidy range) when they file their tax...
by Nebster
Thu Aug 04, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2583

Re: Mini retirement- RV around country

It would also be good to drop by campgrounds on a weekday in at various times of the year to so see what the demographics are of the people RV'ing. I would suspect that outside the summer there will be few children or people your age. I have occasionally camped in the off season and it can feel a l...
by Nebster
Tue Aug 02, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2583

Re: Mini retirement- RV around country

Most RV's place passengers in the back dinette with cheesy lap belts and we weren't willing to do that, so that met something on a Crew Cab truck platform. I just wanted to follow up on this. Safety is definitely one of the biggest issues, because the lap belts are not only cheesy, they are not eve...
by Nebster
Mon Aug 01, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2583

Re: Mini retirement- RV around country

I'm doing this. Actually, just for one more week, and then our 70-week adventure comes to an end and kindergarten begins. We had a 4 (now 5) year old and bought our RV. You will come out way behind renting at that time scale, and in our case we wanted a nicer model than the rental market could provi...
by Nebster
Wed Jun 29, 2016 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Need help with a large bonus
Replies: 25
Views: 3226

Re: Need help with a large bonus

The only non-obvious way to shield large wage income from tax is to contribute to a DAF. But the magic of it is just that it lets you front-load any charitable giving you were planning to do later in life. If you weren't going to give anything, don't know how much you might want to give, or want/nee...
by Nebster
Tue Jun 21, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 4241

Re: What would be the best way to sell this software?

technovelist wrote:As you have surmised, I do have answers for these questions but they do give away a bit more than I'm ready to do in a public forum. Would it be okay to discuss it via private message?


Yes, certainly.
by Nebster
Tue Jun 21, 2016 4:08 am
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 4241

Re: What would be the best way to sell this software?

yes, that's exactly the proposition I have in mind. Okay, gotcha. I have some random thoughts. 1. Why does someone need a special computer program to illustrate this concept? The NPV of the spousal benefit is trivial since it's already quasi-inflation-indexed; the discount rate from the point of vi...
by Nebster
Tue Jun 21, 2016 2:04 am
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 4241

Re: What would be the best way to sell this software?

It would be fun to challenge your numbers (and healthy for your understanding, too), but I'll mostly resist and try to answer the question. It sounds like you think this is a significant venture with real upside, like big enough to replace working for the man indefinitely. I think you should definit...
by Nebster
Mon Jun 20, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 4241

Re: What would be the best way to sell this software?

As much as possible . Seriously, I'd prefer to sell it on a commission-splitting basis if possible. Does it feel like a $1/month, $10, $100? $1000? Give us a ballpark. It sounds like you want to try to run with this as a serious venture. Are you willing to raise capital to help? Are you willing to ...
by Nebster
Mon Jun 20, 2016 5:49 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 118
Views: 14384

Re: Any Porsche 911 owners here?

Barring some weird flaw like the IMS issue, modern 911s are pretty darn reliable. You might spend more on tires than maintenance, depending on how you drive. I had a 991 turbo for a couple years; flawless. Not sure I would want to face the music on any issues with it ten years in, though. I paid abo...
by Nebster
Mon Jun 20, 2016 5:41 am
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 4241

Re: What would be the best way to sell this software?

Lots of interesting options have been posted already, mostly in the narrow spectrum of tech platform. BH is clearly full of geeks. I want to know what the best way is to sell your software, and then let that inform the right technology and delivery approach (if it even needs informing... maybe your ...
by Nebster
Mon Jun 20, 2016 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Can we/Should we buy this house (SF Bay Area)
Replies: 54
Views: 6285

Re: Can we/Should we buy this house (SF Bay Area)

Looks pretty good to me. Sounds like either a steal or somewhere with a pretty good commute? Re: earthquake insurance, it's a pretty bad deal. For the people suggesting it, remember that the exposure is not simply a "million dollar home," it's more like a 200k or 300k home sitting on a pie...
by Nebster
Sat Jun 11, 2016 5:02 am
Forum: Personal Consumer Issues
Topic: Problems using Uber
Replies: 26
Views: 4151

Re: Problems using Uber

1) How common is this practice by Uber drivers? 2) Do savvy Uber users just leave the destination box blank? 1. Very common, especially in some markets and in some locations. 2. Yes, when drivers are scarce and the ride will be short. You can wait to put in a destination until you're in the car, or...
by Nebster
Sat May 21, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 9734

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

Leemiller wrote:My point was 60k isn't a high budget for furnishing a home in that price range and might be low.


It is if he's already in a house and has reasonable furniture... I don't throw out my Persian gabbehs just because I moved to a new place, that would be crazy.
by Nebster
Sat May 21, 2016 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 9734

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

To answer your original question, I think your way of thinking about it is fine, if "retire at 65" is your goal. As mentioned down thread, you're just putting your FI date at greater risk by putting lots of capital into one bubble-sensitive asset. More thoughts: 1) The price of the other, ...
by Nebster
Mon Mar 07, 2016 4:43 am
Forum: Personal Consumer Issues
Topic: Online Fax?
Replies: 14
Views: 1732

Re: Online Fax?

You didn't tell us your usage pattern, but take a look at maxemail.com. I've been using them for nearly a decade now. No spam, cheap, reliable.

Edit: I see they have hidden their cheap plan pretty well. You want "maxemail lite" for a low usage plan at a few bucks a year.
by Nebster
Wed Jan 20, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: New high value taxable account - brokerage with best perks?
Replies: 5
Views: 768

Re: New high value taxable account - brokerage with best perks?

You might consider diversifying to two providers. It's a hassle of sorts, but I like having my funds in two places, in case something goes awry with one or the other. (You can also get two bonuses that way, if it matters.) I don't think you'll find the perks to be worth much, after the ~100k-250k ti...
by Nebster
Tue Dec 15, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: ESO/RSU cause income oulier
Replies: 2
Views: 396

Re: ESO/RSU cause income oulier

With RSUs there's really nothing you can do. They vest on a schedule, you see income hit your W2 whether you like it or not, and of course you should sell all the shares immediately unless for some strange reason your investment plan has you holding lots of company stock. With others, there are some...
by Nebster
Wed Oct 28, 2015 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Tax software which does "iterative" outputs?
Replies: 9
Views: 1132

Re: Tax software which does "iterative" outputs?

BNA Income Tax Planner: m. Thanks bsteiner, I now remember coming across BNA many years ago. It is indeed a powerful tool, but the cost starts at $1000+ and I don't think that includes state modules. I a little pricey for my "playing around" needs. I don't yet have an acute professional n...
by Nebster
Wed Oct 28, 2015 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Which OFFLINE Tax Preparation Software?
Replies: 19
Views: 3469

Re: Which OFFLINE Tax Preparation Software?

If you use the offline software, do your return close to the deadline when all the updates are out, and disconnect the internet when you're working on the taxes, you won't disclose your financial information to them. It's actually more difficult than that, to be provable. I don't want to belabor, b...
by Nebster
Wed Oct 28, 2015 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I increase the rate at which I'm saving up for retirement?
Replies: 36
Views: 4047

Re: Should I increase the rate at which I'm saving up for retirement?

In general, you should budget for retirement based on your spending, not your income. Most people on this board spend less than they bring (or brought) in. If you are a chronic saver, it stands to reason you'll need less and your sense of the situation is probably right. If your career was your life...
by Nebster
Fri Oct 23, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Family of 5 with 3 kids under 5...3% SWR?
Replies: 58
Views: 4349

Re: Family of 5 with 3 kids under 5...3% SWR?

And not to be stereotypical, but my two daughters cost me a lot more in clothes in their teenage years as well (son is happy with jeans and t-shirts everyday) While it is conceivable that I will be unable to resist the siren call of teenage daughter style angst, I suspect not. We shop at thrift sto...
by Nebster
Fri Oct 23, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Family of 5 with 3 kids under 5...3% SWR?
Replies: 58
Views: 4349

Re: Family of 5 with 3 kids under 5...3% SWR?

JDCarpenter wrote:Our grocery bill went way down. :-)


Hmm, good point... hadn't thought of that one. Is it better with girls?! Ha, ha.
by Nebster
Fri Oct 23, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Family of 5 with 3 kids under 5...3% SWR?
Replies: 58
Views: 4349

Re: Family of 5 with 3 kids under 5...3% SWR?

The question really becomes, given the age profile of my family, how much of a drop in SWR, IF ANY, would people be comfortable assuming once the kids are off the payroll? And, would that long-term "permanent SWR?" then be acceptable risk for those that are especially conservative? For in...
by Nebster
Fri Oct 23, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Family of 5 with 3 kids under 5...3% SWR?
Replies: 58
Views: 4349

Re: Family of 5 with 3 kids under 5...3% SWR?

If you assume the economy will grow (and the market will reflect that) roughly like it has -- and I've no crystal ball, but let's simplify by stipulating that it will for a moment -- the numbers don't actually get much worse for longer investment horizons with a traditional fixed WR. After a point, ...
by Nebster
Fri Oct 23, 2015 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Family of 5 with 3 kids under 5...3% SWR?
Replies: 58
Views: 4349

Re: Family of 5 with 3 kids under 5...3% SWR?

We are a little younger than you with same-aged offspring. We are at about 3.5% right now, but I think 4% is really safe. What matters more than what you choose for the tenths place, in my opinion, is how flexible you're able to be with spending. In our case, we have parallel budgets: our normal one...
by Nebster
Wed Oct 21, 2015 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Repaying 401k Loan Faster
Replies: 6
Views: 988

Re: Repaying 401k Loan Faster

Most plans do not allow prepayment, except for a 100% payoff.

Technically it can be done, but it's a hassle, so most providers and employer plans don't allow it.
by Nebster
Wed Sep 16, 2015 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement cash projects checklist
Replies: 14
Views: 1796

Re: Pre-retirement cash projects checklist

I had (and still have) about a half dozen large items to take care of built into the model before pulling the trigger on ER. I have found it much easier to work on them now, in relative peace and quiet, and I can do a better job choosing contractors and optimizing expenditure. Plus, it's nice to hav...
by Nebster
Wed Sep 16, 2015 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide how to pay taxes on my $3M taxable portfolio
Replies: 38
Views: 4284

Re: Help me decide how to pay taxes on my $3M taxable portfolio

And after all this, if you mis-estimate by a few $k, and if safe harbor doesn't save you, you'll pay a little bit of penalty/interest calculated with a very low rate (currently). Not a big deal, really.
by Nebster
Tue Sep 08, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Cliff - is it really a cliff?
Replies: 22
Views: 2755

Re: ACA Subsidy Cliff - is it really a cliff?

Wouldn't one enroll in the more generous plan upfront then, say at the end of the year, decide whether to stick with the plan (if medical costs incurred were high) or convert (and pay back some premium when you file taxes)? If you have a cost sharing plan I don't know if any of that gets clawed bac...
by Nebster
Tue Sep 08, 2015 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Cliff - is it really a cliff?
Replies: 22
Views: 2755

Re: ACA Subsidy Cliff - is it really a cliff?

If you end up with an expensive health care year, you undo the roth conversion and file to get the cost sharing credit. I'm not sure this is true. If you paid money up to the previously-higher deductible amount, I'm pretty sure you don't get that money back if you end up with a more generous plan r...
by Nebster
Tue Sep 08, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Cliff - is it really a cliff?
Replies: 22
Views: 2755

Re: ACA Subsidy Cliff - is it really a cliff?

I agree with everything randomguy posits, but I'm compelled to add the additional reminder that I find myself appending to many of the ACA subsidy threads here lately: it's important to factor in not just the tax subsidy, but also the cost-sharing component (which is also a subsidy, really). For ERs...
by Nebster
Tue Sep 01, 2015 4:57 am
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 74
Views: 12205

Re: About to close on a home we have overbid on - have cold feet

What did the seller put in their disclosure document? This sounds like something they should have mentioned there, in plain English and with a box checked. Have you talked to them about it? Where is your agent in this process, advocating for you and helping to get things done?
by Nebster
Sun Aug 30, 2015 12:42 am
Forum: Personal Finance (Not Investing)
Topic: ISO and the AMT [Incentive Stock Options and Alternative Minimum Tax]
Replies: 6
Views: 653

Re: ISO and the AMT [Incentive Stock Options and Alternative Minimum Tax]

Pretty sure it's gone. You have to amend each of your prior returns to carry the credit forward year to year, and you can only amend up to three years of returns. As it happens, even if you could amend 8 or 9 years' worth, you'd waste a ton of time trying to do that to save $600. A good lesson learn...
by Nebster
Thu Aug 20, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 47
Views: 4272

Re: Fidelity Charitable

Not looking to start a big fight, but since a few people have pushed back against my comment... Don't worry, we'll keep pushing. Any cause has multiple organizations which further that cause, whether it be educational, environmental, medical, religious, international aid & development etc. For ...
by Nebster
Wed Aug 19, 2015 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 47
Views: 4272

Re: Fidelity Charitable

As an aside, I'm personally not a fan of using DAFs to push off making donations decades into the future. There are too many great causes that need help now--why wait? Sometimes it's just about lumpy income versus a plan for smoother giving over time. I might want to give to my church every year, b...
by Nebster
Mon Aug 10, 2015 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Rec. "conservative" AA
Replies: 18
Views: 3852

Re: Dave Ramsey Rec. "conservative" AA

He makes great radio, he's charismatic, and I feel like he really does care, at least most of the time. I appreciate what he does for society at large. The most egregious thing is that his ELP business creates a conflict of interest with his investing advice. We can't tell if he simply can't learn m...
by Nebster
Mon Aug 10, 2015 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Plz critique these auto insurance policies
Replies: 23
Views: 2287

Re: Plz critique these auto insurance policies

I think it's great that you're interested in learning and optimizing your insurance. Nothing like being a smart consumer. But with auto insurance, and particularly with your ginormous premiums for whoever these two people are, you might consider reaching out to a good agent as well. They can cross-s...
by Nebster
Sat Aug 08, 2015 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare Vs. ACA healthcare
Replies: 14
Views: 1830

Re: Retiree Healthcare Vs. ACA healthcare

furwut wrote:For me, so far, the only downside* is the complexity of deciding whether to limit MAGI to maximize the premium tax credit versus using my favorable tax bracket to capital gains harvest at 0% or convert Roth at 15%.


I have to figure this out next year. What did you determine?
by Nebster
Fri Aug 07, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of receipts should be saved for HSA account?
Replies: 20
Views: 2231

Re: What kind of receipts should be saved for HSA account?

or not a good-enough criminal I don't know how your insurance company works but I thought it was like my Medicare/Medigap statements which come at regular intervals like quarterly, not event-based. If that is true then the auditor just looks to see that everything is there with no gaps.. If it is e...
by Nebster
Fri Aug 07, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What kind of receipts should be saved for HSA account?
Replies: 20
Views: 2231

Re: What kind of receipts should be saved for HSA account?

How about this simple example: you started your HSA in 2015. You take out xxx$ for the drugs. You show your 2015 EOBs that show no reimbursements for drugs. You show your 2015 tax return that shows no medical deduction. You show your 2015 receipts for the drugs....haven't you shown you didn't get r...
by Nebster
Fri Aug 07, 2015 2:22 am
Forum: Personal Finance (Not Investing)
Topic: What kind of receipts should be saved for HSA account?
Replies: 20
Views: 2231

Re: What kind of receipts should be saved for HSA account?

You need to show not only that it is a legitimate medical-related expense but also that it was not reimbursed by your insurance company or used for a medical deduction. That means keeping copies of your insurance statements (typically the EOB) and also copies of your income tax returns (and backup ...
by Nebster
Fri Aug 07, 2015 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Property Inspection Notice
Replies: 11
Views: 3135

Re: Insurance Company Property Inspection Notice

"Drive-by's" are pretty common industry practice. Total coincidence with the project timing. Could be random sampling, could be something in your neighborhood, could be your policy's age and some characteristics of your house triggering the visual. Could be that there's an adjuster in the ...
by Nebster
Tue Aug 04, 2015 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - Question about using ACA in Retirement
Replies: 10
Views: 1090

Re: Please Help - Question about using ACA in Retirement

If you do decide to do detailed calculations, you should also try to account for the fact that you'll receive cost sharing benefits at 140% FPL as well. If you're in great health and spend almost nothing today, you just have to guess at what your theoretical expected healthcare costs will be. On the...
by Nebster
Sun Aug 02, 2015 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 51
Views: 8566

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

I've had RSUs in two recent scenarios, so I went back and looked at mine to remind myself. I was able to dig through the RSU plan details work: - Turns out that while my employer lists the income on the W2, they do not show the tax withheld That doesn't seem right to me. Your company is required to ...
by Nebster
Sat Aug 01, 2015 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Consumer reports article/analysis
Replies: 13
Views: 1711

Re: Auto Insurance - Consumer reports article/analysis

Keep in mind that insurance rates and the manner in which they are determined is all regulated by the State's insurance commissioner. I can't see a commissioner blessing a rate increase because the insurer thinks the customer has an iPhone and drinks expensive IPAs. Having looked closely at many in...
by Nebster
Wed Jul 29, 2015 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Closing Costs with No Bank Loan
Replies: 9
Views: 1534

Re: Closing Costs with No Bank Loan

And here are my numbers for a recent cash deal: Escrow settlement fee $150 E-Recording fee $5 Tax certificate $25 Recording fees $16 State tax $40 total $236 We don't use lawyers for home sales in my state. I paid for title insurance and home insurance separately, outside of closing. I elected to pa...