Search found 933 matches

by furwut
Thu May 19, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Car insurance - increased liability 500k
Replies: 16
Views: 1459

Re: Car insurance - increased liability 500k

Insurance is there to protect yourself against catastrophic loss even if unlikely. If you are held liable for a severe injury or death a judgment against you could easily exceed $300k.

If one has real assets, outside retirement plans, then $1M coverage is not too much.
by furwut
Mon May 16, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: How valuable is my defined benefit pension?
Replies: 8
Views: 1537

Re: How valuable is my defined benefit pension?

One approach is to price out a single premium annuity that would pay out the same.
by furwut
Mon May 16, 2016 8:03 am
Forum: Investing - Theory, News & General
Topic: When is the last time Vanguard altered target date allocations?
Replies: 8
Views: 1078

Re: When is the last time Vanguard altered target date allocations?

Not too long ago they added international bonds. And going a bit further back international equity was just 20% I believe.
by furwut
Sun May 15, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's, Umbrella, or Self-Insured?
Replies: 7
Views: 564

Re: Renter's, Umbrella, or Self-Insured?

Accidents happen. A small kitchen fire or water overflow can cause tens of thousands of dollars to the building. Damage which the landlord will certainly hold you accountable for. Years ago I lived in an garden style apartment and the neighbor across the hallway accidentally snapped the head off a s...
by furwut
Sun May 15, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's, Umbrella, or Self-Insured?
Replies: 7
Views: 564

Re: Renter's, Umbrella, or Self-Insured?

As far as I know Umbrella is not first dollar liability insurance. You will need underlying policy(ies) up to certain limits - typically $300k or $500k. You should have renter's insurance. Check to see if your lease requires it. Since you don't own a vehicle you do not absolutely need auto insurance...
by furwut
Sun May 15, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Unlocking Phone after Paying ETF [Early Termination Fee]
Replies: 7
Views: 715

Re: Unlocking Phone after Paying ETF

Yes. It's now the law that once you've fulfilled the contract the carrier has to unlock the phone at your request. https://www.fcc.gov/consumers/guides/cell-phone-unlocking-faqs EDIT. Law may not be correct. I think it's an agreement that has been made between all the major carriers (any many region...
by furwut
Fri May 13, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 1873

Re: Cell Plans

Using the full 1.5GB of data every month doesn't seem right unless one is streaming over cellular. You have an iPhone if I recall correctly - in settings there is a place where you can check to see how much data each app is using. Facebook is notorious as a data hog. But I think you can find a bette...
by furwut
Fri May 13, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7310

Re: "CAN ANYTHING STOP VANGUARD?"

Can Anything Stop Vanguard? What if we "nationalized" retirement saving and gave everybody access to a government run plan like the TSP? I, for one, have always felt its a mistake to have one's access to favored savings plans - or medical insurance for that matter - controlled by the whims...
by furwut
Thu May 12, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize to One Auto in Retirement ?
Replies: 43
Views: 3233

Re: Downsize to One Auto in Retirement ?

Prior to retirement I downsized from 1 car to none. I don't miss paying insurance or those repair bills.
by furwut
Tue May 10, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6879

Re: 30 minute commute?

Where I live 30 - 45 min commutes are normal. Many people have "extreme commutes" that are 90 min plus. If there is a traffic accident or bad weather it can take people 4 hours or more. Sleeping in the office or by the side of the road happens a couple of times a year. 30 minutes is doable...
by furwut
Sun May 08, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: OK to let Nanny drive car?
Replies: 24
Views: 2936

Re: OK to let Nanny drive car?

Well the obvious thing is for the OP to check with their insurer. They don't bite :wink: .
by furwut
Sun May 08, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Keep high amounts of cash for lower ACA premiums?
Replies: 37
Views: 4177

Re: Keep high amounts of cash for lower ACA premiums?

This has actually become my new worry after reading more about how the ACA works. My plan is to mitigate it with part time work so I have actual income to fill in the gap but my hope is that if I sell funds in the beginning of the following year, I would know how much capital gains were generated. ...
by furwut
Sun May 08, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: OK to let Nanny drive car?
Replies: 24
Views: 2936

Re: OK to let Nanny drive car?

Its your car so its your insurance that is primary no matter who is driving. Check your policy but it usually includes permissive use by drivers who are not listed on your policy (e.g,. your nanny). But since your nanny will be regularly using the vehicle it would be better, as said up thread, to ha...
by furwut
Thu May 05, 2016 11:01 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 52
Views: 5045

Re: Revealing Usernames

I essentially use my real name. I assume that I am completely identifiable and that everything I say can be traced back to me. This is largely true. Unless one goes to extraordinary lengths to prevent cookies and uses a VPN to mask they true IP address and so on the data aggregators are able to com...
by furwut
Thu Apr 28, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5732

Re: What's become of Consumer Reports?

According to a recent article CRs problem is their bread and butter business of product review & comparison is now easily obtained elsewhere and for free (e.g. Amazon, CNET, etc.).
by furwut
Thu Apr 28, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 1939

Re: When to begin taking Social Security payments?

If you don't desperately need the money - and it looks like you don't - then the smart play is to delay. Delaying social security is the best annuity one can buy.
by furwut
Fri Apr 22, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle large long term capital gain with respect to ACA Medicaid
Replies: 19
Views: 1479

Re: How to handle large long term capital gain with respect to ACA Medicaid

In my state, MEDICAID has an asset limitation of $1000 individual/ $2000 couple---how have you been able to get around that if you have substantial taxable accounts? I think, as part of ACA, states that expanded Medicaid coverage converted eligibility tests from assets limitations to MAGI. I'm gues...
by furwut
Fri Apr 22, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle large long term capital gain with respect to ACA Medicaid
Replies: 19
Views: 1479

Re: How to handle large long term capital gain with respect to ACA Medicaid

OP,
Medicaid is a state administered program so I think to get a definitive answer you just have to suck it up and ask your state's Medicaid office how to handle the situation.
by furwut
Fri Apr 22, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 2438

Re: Pop up ads driving me nuts! Please help

The block popup checkboxes in most browser's settings have become meaningless. Several things you might look into ... Install an Ad Blocker extension on your iPad ... Always use the private browsing feature of your browser and quit your browser when done to clear out any cookies ... Look into the Op...
by furwut
Mon Apr 18, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2939

Re: Progressive or Geico?

Progressive or Geico? The quote I received from Progressive was 35% lower than SF and Geico came in 46% below our current SF rates. First off, how can this be … I can think of 2 reasons. First off both Geico and Progressive are direct marketers of insurance. There is no agent who is going to siphon...
by furwut
Wed Apr 13, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Dual Language Elementary School
Replies: 16
Views: 1291

Re: Dual Language Elementary School

Learning a second language may actually be more beneficial to intellectual development rather than hindering it.


http://www.nytimes.com/2012/03/18/opini ... alism.html
by furwut
Wed Apr 13, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep records
Replies: 5
Views: 454

Re: How long to keep records

The IRS says 3 to 7 years.
http://www.bankrate.com/finance/money-g ... cords.aspx

I've taken to scanning all my records so there's no storage impediment to keeping them longer.
by furwut
Wed Apr 13, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Reading Devices
Replies: 43
Views: 2792

Re: Reading Devices

It's hard to get both large screen size and less weight in the same package :).

Still OP should check out the new Kindle when it's announced. I think Kindle is pretty much it when it comes to dedicated readers.
by furwut
Tue Apr 12, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Shipping a car cross country
Replies: 8
Views: 973

Re: Shipping a car cross country

An alternative is getting someone to drive it across for you.
by furwut
Wed Apr 06, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Excess IRA contribution with a loss
Replies: 13
Views: 569

Re: Excess IRA contribution with a loss

If you still uncertain after talking with Vanguard I suggest you send a private message to Alan S. and ask him to comment on this thread. He is very knowledgeable about IRAs.
by furwut
Wed Apr 06, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Excess IRA contribution with a loss
Replies: 13
Views: 569

Re: Excess IRA contribution with a loss

Vanguard will give you a 1099-R next year (2016 tax year). You don't need one for this tax year. 1099-R isn't for reporting losses. Its for reporting distributions which may or may not be taxable. The 1099-R you will get next year will have a code signifying its a non-taxable distribution. You don't...
by furwut
Wed Apr 06, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Excess IRA contribution with a loss
Replies: 13
Views: 569

Re: Excess IRA contribution with a loss

I too made an excess IRA contribution (Roth) in 2015. In Jan 2016 I requested the withdrawal of the excess amount (say $500). Vanguard only withdrew (say $400) as there was a $100 loss on my excess contribution. Not understanding how to report this I got on the phone with a Vanguard retirement plan ...
by furwut
Wed Apr 06, 2016 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Excess IRA contribution with a loss
Replies: 13
Views: 569

Re: Excess IRA contribution with a loss

I believe you would only report the $2820 as your IRA contribution for 2015. Next tax year, 2016, Vanguard should issue you a 1099-R with a code signifying withdrawal of excess contribution.
by furwut
Fri Apr 01, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax [Frustration]
Replies: 19
Views: 2359

Re: TurboTax Hell...

i believe most of the tax software is misleadingly marketed as to the final true cost. There is often one price to use the software and another separate cost to e-file the state return (I think the Federal e-file is always included in the purchase price). Some states require that their be no additio...
by furwut
Tue Mar 29, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: best way to negotiate with cable company?
Replies: 38
Views: 4185

Re: best way to negotiate with cable company?

The only effective means of negotiating is to have a realistic alternative. Sadly most consumers do not. Write your Congressman - you can be sure he/she is getting plenty of exposure to the cable industries side of things.
by furwut
Mon Mar 28, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Moving my life into a storage unit
Replies: 42
Views: 3772

Re: Moving my life into a storage unit

If these items are sentimental to you maybe they are sentimental to someone else in your family as well and they can hold onto them for you?
by furwut
Mon Mar 28, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Renting a car when you don't own a car and therefore have no personal car insurance.
Replies: 8
Views: 1596

Re: Renting a car when you don't own a car and therefore have no personal car insurance.

I agree with the others and recommend looking at a non-owner's insurance policy. Many car sharing memberships only come with the state mandated minimum insurance. Sometimes its hard to even find out. Once I had to send an email and wait days for a response to determine what insurance was included. L...
by furwut
Sun Mar 27, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 2896

Re: Auto Insurance-Notice of Non Renewal

1. You can try other insurers but many will not likely want to insure your son at this point either. 2. You can get a policy that just covers yourself and your wife and lists your son as an excluded driver. 3. Your son can try to find insurance on his own but may have to go into the state's assigned...
by furwut
Tue Mar 22, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: withholding allowances for pension
Replies: 10
Views: 1122

Re: withholding allowances for pension

Read up on the IRS regs for tax withholding. There is more to it - especially if your income varies and/or is unpredictable.

https://www.irs.gov/publications/p17/ch ... k100032329
by furwut
Tue Mar 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: withholding allowances for pension
Replies: 10
Views: 1122

Re: withholding allowances for pension

When I was working getting the number of exemptions right was a matter of trial and error. I recall that at one time my federal exemptions were as high as 7 and I was single! Rather than muck around with that you could use the safe harbor rules by paying X percent of your last years taxes. I think F...
by furwut
Mon Mar 21, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Any negative to doing a backdoor Roth each month, instead of once a year?
Replies: 11
Views: 1311

Re: Any negative to doing a backdoor Roth each month, instead of once a year?

I would think that repeatedly contributing to an IRA and converting soon after would be begging the IRS, should your return ever be examined, to apply the step doctrine. Michael Kitces: Perhaps the greatest caveat to the backdoor Roth contribution strategy, though, is the so-called “step transaction...
by furwut
Mon Mar 07, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

Well that sounds interesting, furwut. It would imply that CapitalOne360 is (or needs to) work with "these companies" to understand the issue and tweak their message formats. Well in your case at least Apple. Who are "these companies"? I would like to poke and probe the internet ...
by furwut
Mon Mar 07, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

See Wikipedia: Email filtering Emphasis is mine. Mail filters can be installed by the user, either as separate programs (see links below), or as part of their email program (email client). In email programs, users can make personal, "manual" filters that then automatically filter mail acco...
by furwut
Mon Mar 07, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

Looks like you already have your answer. Apple's (not yours) spam filter is incorrectly identifying some mail from Capital One. This mail never reaches your account. Really? Furwut -- Are you sure this is how Apple handles spam e-mail? Or is this just an assumption. Yup. Apple and every other email...
by furwut
Mon Mar 07, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

When I called about this, the customer service person mentioned they have seen issues with people using Apple e-mail accounts (which is what I use). Looks like you already have your answer. Apple's (not yours) spam filter is incorrectly identifying some mail from Capital One. This mail never reache...
by furwut
Sat Mar 05, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

Since the tenant forwarded you the email does it have a confirmation code? I imagine with that code you could call Capital One and have them address the issue.
by furwut
Sat Mar 05, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Possible Issue with CapitalOne360 Banking
Replies: 21
Views: 2232

Re: Possible Issue with CapitalOne360 Banking

Since you've been happy otherwise I wouldn't jettison them over what could be just a couple of isolated instances. But it would be smart to increase your vigilance for awhile. I recall seeing that something like 98% of all email is spam. Hacker mail purporting to be from banks is such a common ploy ...
by furwut
Fri Feb 26, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds for Emergency Fund?
Replies: 22
Views: 1682

Re: I Bonds for Emergency Fund?

Noobinvestor15 wrote:

I assume it's only a few days if the bonds are electronic?


I recently redeemed my I bonds from Treasury Direct. As I recall it was less than a week.
Though its important that you have an active bank account registered with your account. Setting up a new bank account will take longer.
by furwut
Tue Feb 23, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Can EMT's and emergency rooms really read USB pendants?
Replies: 58
Views: 4392

Re: Can EMT's and emergency rooms really read USB pendants?

First I've heard of this. I think sticking any USB of unknown provenance into a computer is a good way to get a virus :twisted: . EDIT Wikipedia has this to say: A type of medic identification alert is the USB medical alert tag, essentially a USB flash drive with capacity to store a great deal of em...
by furwut
Tue Feb 23, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1425

Re: Buying Home to Downsize

The conservative approach would be to avoid owning two homes simultaneously. Though it looks like you have plenty of funds to carry both for awhile. Have you considered buying your new home with a contingency or simply selling your existing home first and temporarily renting?
by furwut
Sun Feb 21, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5566

Re: Sickened by Dole Salad Mix

livesoft wrote:
Leeraar wrote:It just seems nuts to me that there is no real tracking of public health safety issues like this.

Sounds like a lucrative opportunity to start a web site where all this can be tracked and people can post their stories.


CDC already provides one.
http://www.cdc.gov/listeria/outbreaks/
by furwut
Sun Feb 21, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5566

Re: Sickened by Dole Salad Mix

I don't think any company is going to admit culpability. You are expecting too much. It sounds like the food safety system did work. People got sick and were hospitalized. CDC investigation showed that the Dole salad blend may be at fault and got the company to issue a withdraw. Food stores removed ...
by furwut
Fri Feb 19, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating AGI for Healthcare.GOV application
Replies: 26
Views: 1883

Re: Estimating AGI for Healthcare.GOV application

Why would they bill insurance for 1k if they knew that the Fortune-100 Corporate health plan allowed only $100 in payment ? Because everything thing is negotiated and when you negotiate you start high. Quoted prices are fictitious. They only person who might be expected to pay $1000 would be the un...
by furwut
Fri Feb 19, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating AGI for Healthcare.GOV application
Replies: 26
Views: 1883

Re: Estimating AGI for Healthcare.GOV application

Covered services performed in network will be billed at the negotiated rate no matter who pays - you or the insurance company,

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