Search found 1177 matches

by furwut
Thu May 25, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 2817

Re: Fidelity customer protection guarantee-void if you use Mint?

I too have wondered about this. I agree it really is a gray area. As mentioned above banks could shut down aggregators like Mint tomorrow if they really thought they were a risk. I recall reading an interview with a Federal Banking official on this subject and, in her opinion, the limited liability ...
by furwut
Sun Apr 30, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella policy
Replies: 23
Views: 3160

Re: Turned down for umbrella policy

celia wrote:I don't think Geico "sells" umbrella policies. Rather they "sub-contract" those policies out to other companies.


This is correct. Geico is an agent selling property insurance unwritten by other companies. My "Geico" homeowner's policy is from Travelers Insurance.
by furwut
Sun Apr 30, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Renters Insurance
Replies: 3
Views: 483

Re: Renters Insurance

Renter's liability insurance is inexpensive and you should consider upping it in the event your negligence results in the destruction of your unit and adjoining units. However, the association will have master insurance which may provide coverage as well. So first check with them to learn how the ma...
by furwut
Wed Apr 26, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HSA vs PPO decision
Replies: 11
Views: 1030

Re: Pregnant - HSA vs PPO decision

Make sure your medical providers are in-network under both plans.
by furwut
Mon Apr 24, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: ESPN.com article- "Pro Athletes Need Financial Advice..."
Replies: 7
Views: 992

Re: ESPN.com article- "Pro Athletes Need Financial Advice..."

Professional sports careers are very short: an average of 3.3 years in the NFL, 4.6 years in the NBA and 5.6 years in the MLB.


It wouldn't be bad advice to just keep everything in cash or cash-equivalents until their "career" has come to an end.
by furwut
Fri Apr 21, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Rent versus Buy in NYC
Replies: 14
Views: 1899

Re: Rent versus Buy in NYC

Age : 33, single


A place you find suitable might not work if another person enters the picture.
by furwut
Sat Apr 15, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 2924

Re: Downgrading Comcast (with no other competition)

If you do completely drop Comcast cable, get a receipt for the equipment that is returned and keep it until the end of time. Comcast is notorious for trying to bill people for equipment that was returned. This can't be emphasized enough. I suggest taking pictures of the back on the equipment to cap...
by furwut
Sat Apr 15, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 2924

Re: Downgrading Comcast (with no other competition)

Call to cancel ALL services. When they switch you to the retention department continue to insist on cancelling but show a little interest in staying. Eventually agree to stay but just for the new internet only pricing. Expect to have to repeat this process every year :annoyed
by furwut
Tue Apr 11, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Delaying SS (or not) and the tax torpedo
Replies: 41
Views: 4504

Re: Delaying SS (or not) and the tax torpedo

I don't worry about Social Security creating a tax torpedo. For one thing I will be drawing a pension so I expect that alone will render 85% my social security payments taxable no matter what I do. Another is that right now Im only 55. By the time I'm 70 the combined income limit (which doesn't adju...
by furwut
Wed Apr 05, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Florida Blue cancelled ACA applied plan
Replies: 8
Views: 1959

Re: Florida Blue cancelled ACA applied plan

I'm sorry to bump a thread, but my family is going through the same. Wow, Florida Blue is starting to sound as bad as my exchange. I'm assuming you are receiving APTC to help pay the policy premium as, otherwise, a straight up payment discrepancy with the insurer should be easy to resolve. If one i...
by furwut
Mon Apr 03, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1859

Re: Advice on setting up a network-level VPN

Macworld on the subject: VPNs have the advantage of cloaking everything. Neither an ISP nor any party between you and the VPN termination point can inspect what you’re doing, except the amount of traffic flowing. However, because you’re terminating at another point, this can slowdown throughput (the...
by furwut
Sun Apr 02, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Taxable Accounts, Portfolio Options
Replies: 13
Views: 785

Re: Help with Taxable Accounts, Portfolio Options

Questions 1. Should I move my Fidelity 401K into Vanguard? If so, what’s the best method for this? This account is still here as it was my previous employers 401k provider, and is not still being contributed to. Compelling reasons to move a 401K are choice of investments and costs. As you already h...
by furwut
Sun Apr 02, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1839

Re: Temp Commute/Pennsylvania to DC

Couch surf?
AirBnB?
by furwut
Sun Apr 02, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 2642

Re: Where to buy new iPhone

I was able to take advantage of the AT&T Access More Citibank credit card sign up offer to get $650 off my last iPhone :happy.

This deal may no longer exist but it's worth searching thru FatWallet.com for similar ones.
by furwut
Sun Apr 02, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning Today Course
Replies: 16
Views: 1501

Re: Retirement Planning Today Course

If you attended one these at a hotel they would buy you dinner :)
by furwut
Sat Apr 01, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any ways to reduce tax hit on one-time income
Replies: 3
Views: 490

Re: Any ways to reduce tax hit on one-time income

Arrange with employer to defer some or all of the income?
by furwut
Fri Mar 31, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance without a license
Replies: 4
Views: 468

Re: Car insurance without a license

It's possible this guy owns a car but has other, licensed people, drive it for him. Some seniors will maintain a car (and insurance) for the convenience of caretakers even though they are no longer licensed.
by furwut
Tue Mar 28, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 55
Views: 14770

Re: GEICO vs. USAA auto insurance

Two weeks later they said GEICO was denying the claim as there was no proof the driver was driving the vehicle at the time of the accident I would have had neck discomfort; if they think they will have to pay a personal injury claim they will settle property damage quick. You have to beat the money...
by furwut
Sun Mar 26, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 55
Views: 14770

Re: GEICO vs. USAA auto insurance

Filed my claim with USAA who immediately waived my deductible and authorized repairs at the body shop of my choice while they worked things out with GEICO. Two weeks later they said GEICO was denying the claim as there was no proof the driver was driving the vehicle at the time of the accident - de...
by furwut
Wed Mar 15, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 67
Views: 4544

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

I hear your pain. Institutions have pretty much stopped giving out these guarantees to all but their best customers. If I had to get one today I, too, wouldn't know where to go. One possible work around - maybe go the hard route and do the 60-day rollover? 60-day rollover – If a distribution from an...
by furwut
Wed Mar 15, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with measly 401k options
Replies: 9
Views: 513

Re: Help with measly 401k options

There are more however, I did not even list them since the target date funds all start at an ER of 1.6%. Even the money market fund has an ER of 0.46% which is higher than the ER of my whole portfolio! Seriously, you need to get a group of fellow employees together and see the HR director pronto. Y...
by furwut
Wed Mar 15, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with measly 401k options
Replies: 9
Views: 513

Re: Help with measly 401k options

For comparsion my 401K offers the Vanguard 500 Index Institutional Class shares for a measley 0.02% ER. :dollar Among those 3 choices I'd immediately remove from consideration the Utilities fund as that sounds like a pure sector play. The third fund looks to be Small Cap Value. Some people here do l...
by furwut
Sun Mar 12, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA issue...hit lower income limit
Replies: 7
Views: 910

Re: Roth IRA issue...hit lower income limit

You have to withdraw the portion of the contribution that is in excess (plus any earnings) before you file your taxes otherwise you'll start to accumulate penalties each year until you do so. Work with the plan's administrator to get this done. Going forward you can either choose to delay your Roth ...
by furwut
Fri Mar 10, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 122
Views: 9190

Re: What to do with all these passwords ?

Security questions: Make sure your security answers are secure, i.e. not your real dog's name, or they can be used against you by anyone that has seen you walk your dog. BoA thinks my dog is named HYZAQSS7, but Vanguard thinks it's 29AJMGB4. (Both of those are not really true.) I use Keepass to gen...
by furwut
Sun Mar 05, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4349

Re: The Joys Of Tax Season! :(

Since you asked, I do taxes for my Mom (state is PA). It turns out that her estimated tax payments just barely missed the 90% lower threshold to avoid a penalty. yeah, I'm a relatively recent retiree new to the estimated tax game. After getting burned last year with an underpayment penalty my strat...
by furwut
Sun Mar 05, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: surveying [property boundaries]
Replies: 12
Views: 1053

Re: surveying

I don't know - maybe go down to the local land records office to learn how the boundaries are defined.
by furwut
Sun Mar 05, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7939

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI/ref=sr_1_2?s=pc&ie=UTF8&qid=1488765937&sr=1-2&keywords=arris+surfboard+modem Router: https://www.a...
by furwut
Sun Mar 05, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7939

Re: Tell me about Smart TVs and cutting cable

10 Mbps is what I have and there is little to no issue streaming HD. As TSR said above, however, if you are streaming on the TV and someone else begins simultaneously steaming a video on the laptop you might experience buffering (e.g., pausing).
by furwut
Fri Mar 03, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Zero Income Tax on $100,000 Income? Really? Let's see if we can give new life to this old topic!
Replies: 68
Views: 8119

Re: Paying Zero Income Tax on $100,000 Income? Really? Let's see if we can give new life to this old topic!

BW1985 wrote:Why is Total Stock Market often advised here for taxable accts if there are other options with more qualified dividends?


Perhaps because it rarely generates realized capital gains?
by furwut
Thu Mar 02, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by 1099-R with code(s) PJ
Replies: 5
Views: 535

Re: Confused by 1099-R with code(s) PJ

I completed my first pass thru the Federal return without the suspect 1099-R. Then I went back and added it in. No difference to the bottom line :) So I'm thinking that the awkward messaging in the program is something I shouldn't over interpret. First off this was a Roth IRA so I've already paid in...
by furwut
Thu Mar 02, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by 1099-R with code(s) PJ
Replies: 5
Views: 535

Re: Confused by 1099-R with code(s) PJ

Box 2a Taxable Amount on the 1099-R is $0.00. I believe there were no earnings because the sales price of the shares when I sold them were less then the purchase price - hence a capital loss. When Vanguard removed the excess contribution they actually removed less than I requested because of the loss.
by furwut
Thu Mar 02, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by 1099-R with code(s) PJ
Replies: 5
Views: 535

Confused by 1099-R with code(s) PJ

I received a 1099-R from Vanguard for Tax Year 2016 with the distribution codes of PJ in Box 7. When I enter this into Turbo Tax the software begins to say I need to pay a 10% penalty AND amend my 2015 return :confused Last year, as I was preparing my Tax Year 2015 return, the tax software called ou...
by furwut
Tue Feb 28, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 4707

Re: New YouTube TV Service $35 per month

Are you truly getting the local channels or are you getting the network feed? I thought some of the franchised station owners were not in favor of allowing their content to be streamed. Might matter if you want to watch the local news.
by furwut
Sat Feb 25, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 3031

Re: Delivering a Large Check

I need to "mail" a few large checks ($100,000 +) in the next week ... I would bet any bank taking such a check is going to examine the credentials of the person cashing it very carefully. FWIW I'd send them registered mail so you have positive proof the check was delivered to the correct ...
by furwut
Fri Feb 24, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 50
Views: 3426

Re: Please vote on the wisest decision

At age 38 I'd go with 2 AND 3. Your goal should be to fully take advantage of all tax-advantaged saving opportunities available to you. If you feel 100% stocks is too aggressive you could hold bonds in your Roth.

See the Wiki on 401ks ...
Expensive or mediocre choices
by furwut
Fri Feb 24, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pension at the PBGC - when to begin taking
Replies: 21
Views: 1683

Re: Pension at the PBGC - when to begin taking

Brewman wrote:I figured it would make sense to wait until 65 to draw it since I'm getting an 8% guaranteed rate if I wait.



That would be me take on it as well. If PBGC truly guarantees your benefit I'd wait.
by furwut
Fri Feb 24, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5830

Re: Pre-retirement checklist, what is on yours?

Along the lines of a full physical also get any dental issues looked at as well.
by furwut
Thu Feb 23, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would I have legal standing? Severence
Replies: 12
Views: 1995

Re: Would I have legal standing? Severence

The fact that you received a W2 from Company A suggests to me that you were initially hired by Company A. Therefore you may be entitled to any grandfathered benefits that Company A employees retained. Or it could be just a paperwork screw up - such things are common in mergers.
by furwut
Mon Feb 20, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4520

Re: economics of landlording

Years ago on a business/financial radio show the host used to give the a rule of thumb that monthly rent should be 1% of the value - in your case $2500/mo. That maybe high but I agree with the many others above that $1500/mo doesn't leave any room for the inevitable expenses.
by furwut
Tue Feb 14, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Dumb Social Security Question
Replies: 6
Views: 1095

Re: Dumb Social Security Question

Those are today's dollars and the projection is based on the assumption that you continue working till your retirement age at the same salary. The actual benefit you will receive will be adjusted for inflation under current law. P.S. Mike Piper, AKA The Oblivious Investor, publishes a great primer o...
by furwut
Tue Feb 14, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Apple TV free content suggestions
Replies: 10
Views: 904

Re: Apple TV free content suggestions

In complete agreement on PBS.

One cautionary note though is that the bulk of their content is now "windowed", I.e., only completely free to watch for about 2 weeks after the original air date. Thereafter you have to be a dues paying member to view it.
by furwut
Sun Feb 12, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: suggested auto liability levels?
Replies: 13
Views: 1284

Re: suggested auto liability levels?

I have a family member who inherited a judgement award from her deceased brother stemmimg from an auto accident caused by an indigent driver. The driver was never able to pay any damages but he did inherit a house at some point. So my family member put a lien on the house. When the driver finally pa...
by furwut
Sun Feb 12, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What triggers a wave of credit offers?
Replies: 8
Views: 1211

Re: What triggers a wave of credit offers?

I think its seasonal. I've been getting them too. This time of year perhaps credit card issuers find people easily enticed with balance transfer offers.
by furwut
Tue Feb 07, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Blue cancelled ACA applied plan
Replies: 8
Views: 1959

Re: Florida Blue cancelled ACA applied plan

That's good news susa! In my world I talked with the exchange twice today. In the first call they confirmed that my enrollment data had been transmitted to the carrier. Called the carrier and they said, ah no. Called the exchange back and they agreed that none my requests to transmit the enrollment ...
by furwut
Sun Feb 05, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 1932

Re: Walkable Florida

There is a service called Walkscore which calculates the walkability of a given location. Many real estate listings feature this score - at least in parts of the country where walkability exists and is a desirable/obtainable feature. Where I live the walkscore is 97 (out of a hundred). There is not ...
by furwut
Fri Feb 03, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Best if used by, sell by?
Replies: 25
Views: 2636

Re: Best if used by, sell by?

I adhere to use within X days of opening labels for safety. But I think Sell By or Best if used by can be given some latitude. There may be some taste degradation. I just used some canned tomatoes that "expired" 10 months ago. As a general statement some foods age well while others do not.
by furwut
Fri Feb 03, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Good Backdoor Roth Vid. The end is nigh?
Replies: 5
Views: 1429

Re: Good Backdoor Roth Vid. The end is nigh?

Good video discussing the back door. Unfortunately the bit at the end hypothesizing potential tax law changes are outside the scope of discussion here.
by furwut
Fri Feb 03, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Blue cancelled ACA applied plan
Replies: 8
Views: 1959

Re: Florida Blue cancelled ACA applied plan

Well I think your title is a bit misleading. The article reports that a computer glitch is incorrectly showing some policies as canceled which is different from a policy, in fact, being canceled. But if it is any consolation my own application for a policy with advanced tax credit, which I started o...
by furwut
Fri Feb 03, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: ROth 401K
Replies: 7
Views: 623

Re: ROth 401K

The Wiki covers the subject ...

Traditional versus Roth

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