Search found 74 matches

by discman017
Sat Apr 07, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2629

Re: GEICO rate increase: 49% annualized?!

Colorado state has this website: http://www.dora.state.co.us/pls/real/Ins_Survey_Reports.Report_Selection_Criteria?p_report_id=AUTO&p_label= Thanks so much! I had no idea that the state division of insurance did surveys like this. Very helpful. Observations: Whoa, there are a lot of insurers in the...
by discman017
Fri Apr 06, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2629

Re: GEICO rate increase: 49% annualized?!

Thanks for all the replies. I got a couple of other quotes, from Amica and Progressive. Progressive was about the same, and Amica was 11% higher than GEICO. So I guess I should be happy that I got a really good deal for six months, and now (even after the 22% increase) I'm paying the lowest rate tha...
by discman017
Fri Apr 06, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2629

Re: GEICO rate increase: 49% annualized?!

Colorado is one of the states where GEICO is no longer competitive. Mine went up 65% over the last year (six month policies, so two significant upgrades). I have been a customer for well over a decade - one vehicle, about 5K miles per year (work from home), no accidents, no tickets, no claims. The ...
by discman017
Fri Apr 06, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2629

Re: GEICO rate increase: 49% annualized?!

Careful, the last time I tried to annualize a GEICO premium increase I was pilloried for it. Looks like it's already beginning; brace yourself. Good luck! :) :) Sure, the rate increase could be higher or lower for the subsequent six months. But 22% for six months is nuts. That's the point. I just w...
by discman017
Fri Apr 06, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2629

GEICO rate increase: 49% annualized?!

We switched to GEICO in November, and now for our May renewal, we're seeing a 22.2% rate increase for the six months, or 49% annualized! I called, and they gave me the standard line: It's nothing we've done, we have a perfect driving record, but premiums are going up as the cost of claims rises. But...
by discman017
Fri Feb 09, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Yield anomalies on 3- to 5-year TIPS
Replies: 3
Views: 243

Re: Yield anomalies on 3- to 5-year TIPS

I think seasonality of inflation must explain it. The July issue gets three more months of inflation adjustment. I believe there's a three-month lag, so those months would be February, March, and April, although I may be wrong about that. I pulled CPI-U numbers from here: https://www.bls.gov/regions...
by discman017
Fri Feb 09, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Yield anomalies on 3- to 5-year TIPS
Replies: 3
Views: 243

Re: Yield anomalies on 3- to 5-year TIPS

DCChak wrote:
Fri Feb 09, 2018 9:36 am
is this a data point indicating an inverted yield curve?
No, the yield curves, both real and nominal, are upward-sloping (although they've flattened considerably in the past year).

This is some sort of technical difference between the April and July issues that I'm trying to understand.
by discman017
Fri Feb 09, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Yield anomalies on 3- to 5-year TIPS
Replies: 3
Views: 243

Yield anomalies on 3- to 5-year TIPS

I'm trying to understand what seems like an anomaly in the pricing on 3- to 5-year TIPS. Consistently, the TIPS issue with the April date has a significantly higher yield to maturity than the same-year TIPS with a July date. Numbers from Vanguard's bond trading site a few minutes ago: April 2020 mat...
by discman017
Sun Feb 04, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 10345

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

This deal was posted on Slickdeals late last night: https://slickdeals.net/f/11232867-quick ... mbership-0

Just sharing for those who have questions. The Slickdeals discussion contains 384 posts as I write this, so you'll probably find answers there.
by discman017
Sun Feb 04, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 10345

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Hopeful wrote:
Sun Feb 04, 2018 9:20 am
Wish they had the same deal for Mac.
They do. When you sign up, you get download links for both Windows and Mac.
by discman017
Mon Dec 11, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3992

Re: Can/Should early retiree avoid ACA tax credits?

Oh boy, the ethics of legally using provisions of the tax code to your advantage. Probably not a good discussion to wade into, but here’s my take: If you pay extra taxes that the tax code doesn’t require you to pay, where does that money go? Wherever our federal government decides it should go. The ...
by discman017
Thu Dec 07, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 282
Views: 41360

Re: How to Get Stock Quotes Into Excel

Once I had it working, I had two remaining problems: I couldn't get it to refresh without unloading and reloading the add-in, and the add-in wouldn't run properly on start-up until I unloaded and reloaded it. Fix: Add code to my existing RefreshPage Macro (tied to "Refresh" buttons in a couple of p...
by discman017
Sat Oct 21, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 33787

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

The target equity regional allocation for the Vanguard Global Wellington Fund is 57.0% North America, 30.9% Europe, 12.1% Pacific, and 0% Emerging Markets. The target equity allocation for the Vanguard Global Wellesley Income Fund is 45.4% North America, 42.9% Europe, 6.2% Pacific, and 5.5% Emergin...
by discman017
Sat Oct 21, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Most reliable water shutoff valves? Plumbing question.
Replies: 23
Views: 2434

Re: Most reliable water shutoff valves? Plumbing question.

I had a bunch of globe valves that were leaking out the stem (even with packing fully tightened). After much research, I decided to replace them all with quarter-turn ball vales. I got mine from SupplyHouse: http://www.supplyhouse.com/Ball-Valves-5000 These are brand-new, so I can't speak to the lon...
by discman017
Thu Oct 19, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 8330

Re: New mattress

We used sleeplikethedead.com for information. They appear to be more trustworthy than other mattress review sites: http://www.sleeplikethedead.com/bed-mattress-review-home.html#trust They have very informative webpages on different types of mattresses. We learned that foam mattresses (Tuft & Needle,...
by discman017
Fri Apr 14, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Received 12C form from IRS (Obamacare tax credits) - TurboTax error?
Replies: 1
Views: 518

Received 12C form from IRS (Obamacare tax credits) - TurboTax error?

Wondering if anyone else is running into this, and if so, what you're doing about it... I have a fairly large federal tax refund coming because my income wound up being lower than expected, so the Obamacare premium tax credit that I received during the year needs to be reconciled upwards. I filed my...
by discman017
Fri Jan 27, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 38972

Re: Best HSA (2017)

I see these "best HSA" threads every so often, and I never understand why everyone who wants an HSA investment account doesn't go with the Saturna brokerage account. This is Bogleheads -- we all want the lowest fees, right? HSA investment accounts charge fees in three ways: 1. Per-trade fee 2. Month...
by discman017
Thu Dec 22, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2544

Re: Honda Odyssey Value point

It would not be a big surprise to learn that it's the same way with the engine problem class-action settlement, or that the settlement only covered some models but did not really fix the problem. The VCM class-action lawsuit extended the powertrain warranty for certain vehicles to 8 years from the ...
by discman017
Thu Dec 22, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2544

Re: Honda Odyssey Value point

I'd suggest that you do a lot of research about problems such as excessive oil consumption and spark-plug fouling with Odyssey and other Honda V6 variable cylinder management engines to see which ones are covered by the class-action lawsuit and when and IF they have truly corrected the problem. Agr...
by discman017
Thu Dec 22, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding 529 Mistake
Replies: 6
Views: 1722

Re: Superfunding 529 Mistake

Here's my knowledge, based on superfunding my own kids' 529s... * Each parent can contribute $14K per year per child. * You can elect to allocate a parent's contribution over 5 years. You do this by filing IRS form 709 and adding your own language indicating that the year's gift is to be allocated e...
by discman017
Tue Nov 29, 2016 11:47 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 36228

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

3% is a great rate. Even if you close the account after a year, you get 1.5% (after the six-month penalty), which is a great rate on a 1-year CD. So it's essentially a 1-year CD at a market-leading rate, with the option to continue at 3% a year for six more years. Seems like a no-brainer. Some insti...
by discman017
Sat Oct 22, 2016 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 8949

Re: Healthcare costs and self funding

You can't do that except during an open season (whether through ACA or through most employers). If you are uninsured and get cancer in January, you'll have to wait 11 months for treatment, or pay for it without insurance. No, you can enroll in ObamaCare at any time with a qualifying life event ( ht...
by discman017
Fri Oct 21, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid or Obamacare
Replies: 21
Views: 2639

Re: Medicaid or Obamacare

My experience as a Colorado resident: In Colorado, a family of 4 with up to $63K income is eligible for CHP (Medicaid for kids). When we became eligible, we called a bunch of doctors who are listed on the CHP plans as accepting new patients. Every single one told us that they were no longer acceptin...
by discman017
Thu Jun 09, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: The best place currently to open an HSA?
Replies: 14
Views: 2035

Re: The best place currently to open an HSA?

+1 for Saturna's brokerage HSA. $15 per year if you make one trade. No additional maintenance fees, no requirement to maintain a minimum balance in a cash account.
by discman017
Sun Feb 28, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for retirement for the self-employed
Replies: 8
Views: 1017

Re: Saving for retirement for the self-employed

To compare different self-employed retirement options, Fidelity offers a nice simple calculator: https://scs.fidelity.com/products/mobile/sepMobile.shtml As an example, for a 40-year-old with $50,000 self-employment income: * SEP IRA limit: $9,293 * Self-employed 401k limit: $27,293 The self-employe...
by discman017
Sun Feb 28, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 2200

Re: Any Turbo Tax Deluxe or Premum deals out there?

Really? Yet you file online?

How confident are you that your software provider (Intuit, H&RBlock, whoever, ...) is not keeping a copy of your return?
I run the tax software on my computer. I print out my return and mail it. My data never goes to Intuit.
by discman017
Sun Feb 28, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 2200

Re: Any Turbo Tax Deluxe or Premum deals out there?

The standard offer seems to be "up to $20 off". This is what you'll get from Fidelity or PenFed. Pricing: * Deluxe: $25 online or $50 download * Premier: $40 online or $75 download If you have a State Farm bank account, you get: * Deluxe: Free online or $20 download * Premier: $20 online or $30 down...
by discman017
Tue Dec 15, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Why are shares priced out to 4 decimal places?
Replies: 13
Views: 2746

Re: Why are shares priced out to 4 decimal places?

If trade pricing was evenly distributed between $x.xx00 and $x.xx99, then that would support the argument that sub-penny pricing improves efficiency. But trades are nearly always priced at x.xx01, x.xx02, x.xx98, or x.xx99. The other 95 possibilities for the least significant digits hardly ever occu...
by discman017
Fri Nov 01, 2013 11:56 am
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 12290

Re: Verizon to Page Plus - documenting my experience

I've had Page Plus for many years. Couple of tips: 1. If you have an off-contract Verizon phone, you can activate on Page Plus and port your number by calling them at (800) 550-2436. I've always been very satisfied with the service I've received from Page Plus over the phone. Short wait times and ve...
by discman017
Fri Nov 01, 2013 11:41 am
Forum: Investing - Theory, News & General
Topic: I bonds: October or November?
Replies: 29
Views: 4403

Re: I bonds: October or November?

Wow, I didn't expect to spawn such a flood of comments. Thanks for the feedback. Couple of replies: We need to remember that the inflation factor could also be LOWER in 2018, and that favors buying in October. True. It can't be much lower, since it doesn't go negative, but it's possible that it coul...
by discman017
Tue Oct 29, 2013 2:35 pm
Forum: Investing - Theory, News & General
Topic: I bonds: October or November?
Replies: 29
Views: 4403

Re: I bonds: October or November?

I'm waiting till November. If you buy now, you're locking in a 1.0% to 1.2% rate for the next 12 months. I'd rather lock in the low rate for 6 months only. You only get that rate for the first 6 months. They quote an annual figure, but you really get half that for 6 months, and then it will adjust ...
by discman017
Wed Oct 23, 2013 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cable phone internet bill
Replies: 12
Views: 1974

Re: Cable phone internet bill

Internet
$26 per month for DSL

Phone
About $1 per month for MagicJack
Free for Google Voice on Obihai device

TV
Netflix, Amazon Prime, Hulu Plus, MLB.TV
by discman017
Wed Oct 23, 2013 2:58 pm
Forum: Investing - Theory, News & General
Topic: I bonds: October or November?
Replies: 29
Views: 4403

Re: I bonds: October or November?

I'm waiting till November. If you buy now, you're locking in a 1.0% to 1.2% rate for the next 12 months. I'd rather lock in the low rate for 6 months only. Maybe inflation won't rise this year or next year. But in 5 years if inflation is up to 3%, then I'll start getting that 3% rate five months soo...
by discman017
Sat Oct 12, 2013 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act (Obamacare) General Questions
Replies: 33
Views: 5734

Re: Affordable Care Act (Obamacare) General Questions

If anybody has a link to find the anthem doctors for specific plans, please post. Anthem provider networks for 2014: http://www.anthem.com/wps/portal/ahpfooter?content_path=national/noapplication/f1/s0/t0/pw_e206383.htm I looked for this a week ago and didn't find it. Even called Anthem at that tim...
by discman017
Fri Oct 11, 2013 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Utilizing an HSA under the ACA (on exchange incl. w/subsidy)
Replies: 25
Views: 5050

Re: Utilizing an HSA under the ACA (on exchange incl. w/subs

Only if you take an unsubsidized plan can you contribute to an HSA. I think you meant to say, "only if you take a plan without cost share reduction can you contribute to an HSA." In other words cost sharing plans and HSA plans are mutually exclusive. There is nothing preventing someone from taking ...
by discman017
Fri Oct 11, 2013 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Utilizing an HSA under the ACA (on exchange incl. w/subsidy)
Replies: 25
Views: 5050

Re: Utilizing an HSA under the ACA (on exchange incl. w/subs

I've thought about this a lot, so I thought I'd contribute... First, it really pays to find an HSA-eligible plan. I'm in the 15% tax bracket, and every $1 of incremental income also reduces my subsidy by about $0.15. So combining my taxes paid with foregone subsidies, my federal marginal tax rate is...
by discman017
Fri Oct 11, 2013 2:15 pm
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 5217

Re: New cellphone

Apparently, to this crowd, it's unheard of to have the same phone for more than a year. That's hilarious. I've had my phone for a year. But it was 2 years old when I bought it. Presumably after it came off contract, somebody traded it in, so it was available on Cowboom (Best Buy's site for used ele...
by discman017
Sat Oct 05, 2013 11:04 pm
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 5543

Re: Recommend a cheap, small tablet?

Yet another vote here for the Nook HD. I had a first-generation Nexus 7 for a while and liked it a lot. Recently replaced it with the Nook HD, which has a better screen and is much faster. And the price is significantly lower than even the first-gen Nexus 7, let alone the second-gen. One recommendat...
by discman017
Tue Oct 01, 2013 11:36 am
Forum: Personal Finance (Not Investing)
Topic: In-plan Roth rollover (after-tax 401K money to Roth 401K)
Replies: 7
Views: 1290

Re: In-plan Roth rollover (after-tax 401K money to Roth 401K

I've talked with two more people at Fidelity. The plot thickens... It turns out that IRRs of after-tax money are allowed by my plan, but only for current employees. Once employment terminates, the only possibility is a full distribution of the entire account. This is a limitation imposed by my plan,...
by discman017
Tue Oct 01, 2013 9:56 am
Forum: Personal Finance (Not Investing)
Topic: In-plan Roth rollover (after-tax 401K money to Roth 401K)
Replies: 7
Views: 1290

Re: In-plan Roth rollover (after-tax 401K money to Roth 401K

Thanks so much for the detailed replies Alan. That clears it up. I will attempt the rollover this week, and let you know how it goes.
by discman017
Sat Sep 28, 2013 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: In-plan Roth rollover (after-tax 401K money to Roth 401K)
Replies: 7
Views: 1290

Re: In-plan Roth rollover (after-tax 401K money to Roth 401K

Actually, Alan, I just found a post from Alan S. on the Fairmark forum on this topic in response to a very similar question. Is that you? The post is here: http://fairmark.com/forum/read.php?2,68188 In that post, I see that Alan S. answered: The plan must pro rate basis including the entire balance ...
by discman017
Sat Sep 28, 2013 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: In-plan Roth rollover (after-tax 401K money to Roth 401K)
Replies: 7
Views: 1290

Re: In-plan Roth rollover (after-tax 401K money to Roth 401K

Thanks for the advice! I'm actually OK with converting the after-tax earnings along with the after-tax contributions. I'm in a low tax bracket this year, so paying tax to convert that $5K in earnings from pre-tax to Roth status is desirable anyway. So my only concern is that the after-tax subaccount...
by discman017
Fri Sep 27, 2013 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: In-plan Roth rollover (after-tax 401K money to Roth 401K)
Replies: 7
Views: 1290

In-plan Roth rollover (after-tax 401K money to Roth 401K)

Need some advice here... I have a 401K from a former employer that contains both pre-tax and after-tax money. For the sake of using round numbers, let's say: $25K pre-tax money (employee and employer contributions and gains) $20K after-tax contributions $5K gains on the after-tax contributions I'd l...
by discman017
Thu Mar 29, 2012 8:11 pm
Forum: Personal Consumer Issues
Topic: Best Discount Printer Cartridge/Refill sites?
Replies: 21
Views: 2609

Re: Best Discount Printer Cartridge/Refill sites?

Hobbicolors for Canon printers: http://www.ebay.com/sch/i.html?_from=R4 ... Categories

I eventually decided refilling was too much of a hassle, so I got a Brother printer and use cheap generic cartridges from Amazon, like others have suggested.
by discman017
Sat Dec 10, 2011 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help me choose software for my Dad
Replies: 9
Views: 3072

Re: Please Help me choose software for my Dad

Yep, buy Quicken. The software doesn't change much from year to year, though, so rather than paying full price for the 2012 version, I'd buy the 2011 version for $11. Several sellers on eBay have it for around that price. For instance, http://www.ebay.com/itm/Quicken-Premier-2011-BRAND-NEW-/13061503...
by discman017
Fri Dec 09, 2011 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand Colorado 529 stable value fund
Replies: 3
Views: 1083

Trying to understand Colorado 529 stable value fund

Colorado's CollegeInvest 529 program offers an option called the Stable Value Plus fund (http://www.collegeinvest.org/collegeinvest-savings-plans/stable-value-plus-plan/). Annual return net of fees is around 3%, which looks pretty good. And Colorado is one of the few states that offer an unlimited t...
by discman017
Wed Dec 07, 2011 4:11 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham Bearish Again
Replies: 21
Views: 2441

Re: Jeremy Grantham Bearish Again

I generally get a lot of value out of reading Grantham's letters, but this latest one (available at http://www.gmo.com/websitecontent/JGLetter_ShortestLetterEver_3Q11.pdf) is a bit of a mishmash. Yes, he included the graph that Fortune picked up on, showing that if the resolution of the most recent ...
by discman017
Wed Dec 29, 2010 9:39 am
Forum: Investing - Theory, News & General
Topic: To avoid distribution, buy fund AFTER Record Date
Replies: 48
Views: 10886

It's the ex-dividend date that matters. That's the day the mutual fund (or stock) gets repriced to account for the dividend. If you buy on or after the ex-dividend date, you don't get the dividend, because you paid the lower (ex-dividend) price. A recent example that I was just looking into is the F...
by discman017
Thu Dec 31, 2009 6:49 pm
Forum: Personal Consumer Issues
Topic: MP3 Players
Replies: 33
Views: 3554

Couple of tips: I like the SanDisk Sansa MP3 players a lot. You can often get refurbished ones on newegg.com or buy.com for not much money. I have an m250 ($15), Clip ($15), and Fuze ($30). For the car (an 11-year-old car without a connection for an MP3 player), I use this gadget: http://www.dealext...
by discman017
Thu Dec 31, 2009 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime? Is it worth it
Replies: 54
Views: 9140

The free trial is a front-page deal on Slickdeals right now:

http://slickdeals.net/forums/showthread.php?t=1777176

Current deal works even for people who have had Prime before.

I like Prime, although not enough to pay $79 a year for it.