Search found 878 matches

by furwut
Sat Feb 13, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 18
Views: 453

Re: Is the high cost of living in Northern VA/DC worth it?

btks wrote:Of course, that is all subject to change... still, you're right, DC is not ranked that well.


Also keep in mind that many of the salaries in DC are inflated because of security clearance requirements. If you don't have that clearance then those jobs are off limits to you.
by furwut
Sat Feb 13, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 18
Views: 453

Re: Is the high cost of living in Northern VA/DC worth it?

I've been looking at houses in/around Fairfax and they're outrageous. Then, I looked at condos/apartments, which are actually affordable! Would it be smart to buy an apartment/condo there with a 20% downpayment from my savings, and then rent out one of the bedrooms? Or, would it be more advisable f...
by furwut
Sat Feb 13, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 18
Views: 453

Re: Is the high cost of living in Northern VA/DC worth it?

I would reconsider making a home purchase a goal just out of college. Too many opportunities at this stage in your life can arise and you want to be free to pursue them. I lived with roommates until I was about 35. Didn't buy a home until I was 43. But I was able to retire at 51!. DC area is expensi...
by furwut
Fri Feb 12, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 1844

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

60/40 AA. Equities are currently at 56.8%. I use a 5% band so I haven't rebalanced. I am retired and will shortly withdraw some from bonds for this years spending needs.
by furwut
Wed Feb 10, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4217

Re: What is your opinion on the Federal goverment retirement plan?

I didn't see it mentioned but are FERS pensions indexed for inflation? A nice benefit, or so it seems to me, is that my federal friends are always getting regular step increases and inflation adjustment to their pay. In the private sector many of us were just happy to keep our jobs and so got no inc...
by furwut
Wed Feb 10, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 47
Views: 2777

Re: New Washer - Frontload or HE Top Load

I have a front loader. They use less water and, since there is no agitator, I think they are easier on clothes. To prevent mold and mildew I make certain to thoroughly wipe off excess water from the gasket after each use. I also leave the door open. I've had my washer for 8 years and haven't had tha...
by furwut
Sun Feb 07, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1588

Re: upgrade OS on older MAC?

I have a late 2007 MacBook Pro with 4 GB RAM. Until last month I was on Mountain Lion. Having just updated to El Capitan I find my computer more responsive. So I believe it when Apple says their latest OS is highly tuned for performance.
by furwut
Mon Feb 01, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 33
Views: 4502

Re: Mint...working less, and less, and less

I have been using Mint.com for several years now...Initial I loved this program as it was a perfect way to organize all my accounts. However within the last 3 months or so, about 1 or 2 accounts per day "requires a fix" to log in appropriately. Has anyone else had this problem recently? A...
by furwut
Mon Jan 25, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade (In HSA) Investment options
Replies: 16
Views: 545

Re: TD Ameritrade (In HSA) Investment options

I am sending the overage (everything above a certain amount) of my HSA into a TD Ameritrade account. HSA is HSABank. They do have some no fee ETF's that are similar to Vanguard options. However logging in and purchasing every 2 weeks is not desirable to me. So why not do it less frequently? I do a ...
by furwut
Sat Jan 23, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 42
Views: 3595

Re: Stats on Americans 'cutting the cable' ?

I work at a University and I have to say I am yet to talk to someone under 30 who has ever paid for cable TV. The new term for these people are the " cord nevers". Rest assured the cable companies have strategies in place to ensure their revenue. Comcast, for one, has bought NBC so they h...
by furwut
Fri Jan 22, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5040

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I have always used Turbo Tax. This year it will be TaxAct Plus. I was thinking of switching from TT to TaxAct this year. Will TaxAct import data from TT that is stored on my computer? Thanks. Francis It can. https://www.taxact.com/support/933/importing-from-another-tax-program/?txtSearchValue=turbo
by furwut
Fri Jan 22, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5040

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I have always used Turbo Tax. This year it will be TaxAct Plus.
by furwut
Wed Jan 20, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3178

Re: TaxAct Plus Federal + State - $15!!

ze233 wrote:You can verify you got it by going to 'My Return' in the upper right ...


Thanks ze233. I'm amazed at what web developers believe is ACCEPTABLE for users to go thru to confirm basic pieces of information. :oops:
by furwut
Wed Jan 20, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3178

Re: TaxAct Plus Federal + State - $15!!

I completed the registration and created an account. It then takes you into the start of the tax return. I didn't go thru a checkout process so I'm assuming that happens at the end when I file? I hope they'll honor the teaser price.
by furwut
Wed Jan 20, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3178

Re: TaxAct Plus Federal + State - $15!!

This does appear to be a special price. The normal price for this is ~$30. I'm going to try to get it in a bit.
by furwut
Wed Jan 20, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Eligibility documents for Obamacare premium tax credit
Replies: 13
Views: 821

Re: Eligibility documents for Obamacare premium tax credit

By forgoing the advanced credit you may be saving yourself quite a bit of hassle. I went for the advanced premium credit last year and it was months and months and many hours of phone calls trying to get everything straight between the health exchange and the insurer. Never did and I finally gave up...
by furwut
Tue Jan 19, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Out of Network emergency coverage under ACA... does maximum out of pocket still apply?
Replies: 12
Views: 637

Re: Out of Network emergency coverage under ACA... does maximum out of pocket still apply?

My CareFirst policy pays for all emergency services as In-Network meaning deductible and max out of pocket applies.

Now what happens if a medical condition requires admittance to an out-of-network hospital and I'm not in shape to avoid it by traveling to an in-network facility? :shock:
by furwut
Mon Jan 18, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: iphone expenses app?
Replies: 10
Views: 803

Re: iphone expenses app?

Can't one accomplish this with a separate business credit card?
by furwut
Fri Jan 15, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: New Job: Health Insurance PPO vs HSA?
Replies: 4
Views: 375

Re: New Job: Health Insurance PPO vs HSA?

Under the PPO do you first have to exhaust the deductible before the co-pays kick in? If so then, numbers wise, the HSA looks much better.
by furwut
Tue Jan 12, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5805

Re: Retired Bogleheads -- How much did you spend last year?

Now entering my third year of retirement. Ist year: $26,000 2nd year: $27,000 And those are for the entire year. It helps to be mortgage free but my condo remains my largest expense followed by food. My goal this year is to cook much more often. I also don't have a car so getting around by bike, wal...
by furwut
Tue Jan 12, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Simple Question Re: TD Ameritrade trading platform
Replies: 3
Views: 189

Re: Simple Question Re: TD Ameritrade trading platform

livesoft wrote:... Then buy one share of VEU (you don't want that cash sitting around doing nothing, right?).


No I don't! Thanks livesoft, I'm now the proud owner of 1 share of VEU as well.
by furwut
Tue Jan 12, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Simple Question Re: TD Ameritrade trading platform
Replies: 3
Views: 189

Simple Question Re: TD Ameritrade trading platform

Hi, I'm not a day trader by any stretch so all the busyness of TD Ameritrade's trading platform makes my eyes go in circles :shock: Anyway - today I completed my annual HSA contribution by buying shares of VTI. TD Ameritrade is the investment arm of my HSA custodian. After the trade I was left with ...
by furwut
Fri Jan 08, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct no longer handles sale of stock
Replies: 18
Views: 1629

Re: TaxAct no longer handles sale of stock

I've not done it but I think it goes something like this: On 1/15 or thereabouts you make an estimated tax payment to the Federal government for 2015. Say $1000 and let's assume you have already had enough withheld throughout the year so that this extra payment will all be refunded when you file. Sh...
by furwut
Fri Jan 08, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct no longer handles sale of stock
Replies: 18
Views: 1629

Re: TaxAct no longer handles sale of stock

It depends on what you call "free". I bought H&R Block tax software and will make sure that I get a rebate of about double what I paid for it. In that sense, HRBlock is paying me to use their software. Or maybe it is simply 100% return on investment -- guaranteed. Can you share the de...
by furwut
Fri Jan 08, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 72
Views: 5477

Re: Password Management and Safekeeping

Checkout 1Password and Lastpass.
by furwut
Sun Dec 27, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Anyone know WHY a Tracfone upgrade is taking so long?
Replies: 20
Views: 1197

Re: Anyone know WHY a Tracfone upgrade is taking so long?

2 days, IMO, to port a number is the most it should take when transferring to another cellular provider . Just switching to a new phone within the same provider should be done within a few hours as the email states. Perhaps the automatic process failed, hence the error message, and it now requires a...
by furwut
Sat Dec 26, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: How does this kind of credit card fraud happen?
Replies: 31
Views: 3259

Re: How does this kind of credit card fraud happen?

As hard as it might be to believe, not all banks generate their credit card account numbers randomly. Crooks can sometimes figure out the pattern, without ever seeing the physical cards. The current state of the credit card system is where the vast majority of transactions are legitimate, so day-to...
by furwut
Tue Dec 22, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Form 1095-A and automated Tax Software
Replies: 6
Views: 300

Re: Form 1095-A and automated Tax Software

The problem is that Form 1095-A shows the amount of medical insurance incurred for the 12 months of the tax year, January through December of 2015. But taxpayers often make these payments near the end of the prior months. I don't think it matters when you paid the premium - just what the premium am...
by furwut
Sun Dec 20, 2015 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Software
Replies: 4
Views: 756

Re: Financial Software

Take a look at Personal Capital. Another one is Mint.
by furwut
Sun Dec 20, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: New I-Phone and prepay plan?
Replies: 6
Views: 877

Re: New I-Phone and prepay plan?

I went from a iphone 4 to a 6s because I didn't want the size of the 6s plus. I found the 0.7" increase in screen size to be manageable. As fast as cellphone technology is changing, I don't think I would start off with one more than two years old. Same here. I got used to the new sized phone w...
by furwut
Sun Dec 20, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

$95 annual fee is on the first statement, can't escape it. I just received my Citibank $650 smartphone reward on my last statement so I'm in the process of canceling the card now - once they get back and tell me how. I've seen some say that if you cancel the card in the first year you receive a pro...
by furwut
Sat Dec 19, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: New I-Phone and prepay plan?
Replies: 6
Views: 877

Re: New I-Phone and prepay plan?

Yes - Walmart sells iPhone 5c models for the Verizon network. Just make sure it says for Verizon.
by furwut
Fri Dec 18, 2015 10:38 pm
Forum: Personal Consumer Issues
Topic: New I-Phone and prepay plan?
Replies: 6
Views: 877

Re: New I-Phone and prepay plan?

My relative would like a new Iphone, but thinks the new ones are too large. Rumor is that Apple will release a new iPhone "6c" that is that same size as the iPhone 5 models soon. http://www.macworld.co.uk/news/iphone/iphone-6c-6s-mini-release-date-2016-rumours-leaked-images-metal-4-inch-f...
by furwut
Fri Dec 18, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle, how to account for ?
Replies: 22
Views: 1731

Re: Side Hustle, how to account for ?

Disclaimer: I'm not a tax professional or svn knowledgeable so anything I say could well be crap. 1. For legal reasons should I form a LLC ? LLC stands for Limited Liability Corporation. Unless you are engaging in an activity where you could be sued for your actions I don't see the point. 2. Can I d...
by furwut
Fri Dec 18, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

$95 annual fee is on the first statement, can't escape it. I just received my Citibank $650 smartphone reward on my last statement so I'm in the process of canceling the card now - once they get back and tell me how. I've seen some say that if you cancel the card in the first year you receive a pro...
by furwut
Wed Dec 16, 2015 8:05 pm
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 5490

Re: Fed raises FFR [Federal Funds Rate] 0.25% as expected

I wonder if the Fed could and would go below zero in the event their policy of raising rates backfires?

Less Than Zero
by furwut
Wed Dec 16, 2015 6:27 pm
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 5490

Re: Fed raises FFR 0.25% as expected

Do I understand Summers to be saying that interest rates are now so low that the Fed can't goose the economy out of a recession by lowering rates, therefore they can't risk anything that might cause a recession, therefore they must not ever raise rates? I guess he'll be okay with an eventual raise ...
by furwut
Wed Dec 16, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help this Chicago firefighter figure out the chances I'll get killed...
Replies: 20
Views: 2130

Re: Help this Chicago firefighter figure out the chances I'll get killed...

I agree that the biggest risks to the OP are probably lifestyle and behavioral and not intrinsically occupational. Training, smoke alarms and sprinklers have made fire fighting much safer.
by furwut
Wed Dec 16, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Help this Chicago firefighter figure out the chances I'll get killed...
Replies: 20
Views: 2130

Re: Help this Chicago firefighter figure out the chances I'll get killed...

Get a promotion. In war lots of privates get killed but few generals.
by furwut
Wed Dec 16, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

The iPhone 6 was sold in North America with models that supported CDMA (Verizon and Sprint) and didn't (everybody else). What is confusing is the stamped model number on the back of the phones are identical. This link tells you how to distinguish them - http://www.everymac.com/systems/apple/iphone/i...
by furwut
Wed Dec 16, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

Keep in mind that AT&T and Verizon are two different radios (GSM and CDMA). You may get it to work, but it may not work as well on Verizon. We tried a similar thing with daughters IPhone 5s which was Sprint but unlocked it to work on Tmo. Didn't work well. YMMV. The iPhone 6s models are univers...
by furwut
Wed Dec 16, 2015 9:45 am
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

I used Citibank's credit card offer to get a $650 credit towards the purchase of a new phone. https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-att-access-more-credit-card This offer is very tempting. The phone will ultimately be used on Verizon and I'm not very well versed ...
by furwut
Tue Dec 15, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 3696

Re: iPhone Purchase - I'm getting Desperate!

I used Citibank's credit card offer to get a $650 credit towards the purchase of a new phone.
https://www.citi.com/credit-cards/credi ... redit-card
by furwut
Sun Dec 13, 2015 9:47 pm
Forum: Investing - Theory, News & General
Topic: Should I follow Jack Bogle in "I don't do International"
Replies: 90
Views: 7412

Re: Should I follow Jack Bogle in "I don't do International"

I have not gone into international funds because I feel, with my core holding being the total stock market index fund, I am already very exposed to international business. Most of those companies, while US Based, do incredible business world wide. So, if your fund owns APPLE are you investing inter...
by furwut
Thu Dec 10, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k company merger
Replies: 6
Views: 431

Re: 401k company merger

The Bogelhead Wiki answers all.

Expensive or mediocre choices

The short answer is go with the tax deferral, advocate for better plan choices, and finally think about switching jobs (and rolling over to an IRA) once your balance begins to grow large.
by furwut
Wed Dec 09, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: need help on bad backdoor roth
Replies: 7
Views: 482

Re: need help on bad backdoor roth

Can you provide some more details? What was the IRA balance? What was the basis, if any? How much and when did you convert? Then I'd suggest you PM "Alan S." (The period is significant in the member name) to get his attention to your question. He is very knowledgable on IRAs. Good luck.
by furwut
Wed Dec 09, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Request for Data from Scottrade
Replies: 5
Views: 517

Re: Request for Data from Scottrade

A guess is that a broker has a duty to guard against insider trading. For that they need to know that if you work for company XYZ its of interest if you begin heavily trading in company XYZ.
by furwut
Wed Dec 09, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Confirm how 0% cap gains bracket works
Replies: 20
Views: 1614

Re: Confirm how 0% cap gains bracket works

I think you are forgetting the personal exemption - $4000 for a single filer. So the first $10,300 (standard deduction plus personal exemption) of her income is not taxable. Then, 10% - next $9225 earned income 15% - remaining ~$6475 earned income That leaves $37,450 (top of 15% tax bracket) - $15,7...

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