Search found 1206 matches

by furwut
Sat Sep 16, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Experian unable to honor freeze request
Replies: 2
Views: 642

Re: Experian unable to honor freeze request

I’ve been reading news reports that all the agencies have been inundated with freeze requests. This is likely resulting in more than the usual number of problems. Keep in mind that you are not the credit agencies customer and their desire, and resources they deploy, to satisfy you are limited. Give ...
by furwut
Tue Sep 12, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2612

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

pshonore wrote:
Tue Sep 12, 2017 10:21 am
As far as a strategy for tax returns, the best may be to plan withholding to owe a very slight amount of tax (no refunds).
Familiarize yourself with the safe harbor rules. I use the previous years tax owed as my guide. This works well so long as your income does not widely vary year to year.
by furwut
Mon Sep 11, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1514

Re: Freezing your credit??

Until the recent discussion re: the breach I have never heard of Chexsystem or Innovis. Should I consider freezing my credit account with them as well? Edit - the official government site only mentions the big 3. https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/
by furwut
Mon Sep 11, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1514

Re: Freezing your credit??

All frozen. It was relatively easy. You can temporarily remove freeze if you need a credit check for a cc or loan. When you remove the freeze do you need to do it for all credit bureaus or does the bank use a particular one and you can unfreeze just the one the bank uses? Just the one they are using.
by furwut
Sat Sep 09, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10537

Re: Anyone else freeze their credit score?

Froze mine a couple of years ago. I’ve had no trouble temporarily lifting the freeze (thaw?) when applying for new credit. Just ask which agency they are using first. And, in my state, there is no fee to thaw.
by furwut
Thu Sep 07, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 74
Views: 9603

Re: Becoming a Landlord: My Experiences

Great post!

Maybe this should have a home in the Wiki?
by furwut
Wed Aug 30, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 30
Views: 2009

Re: How to deal with Amazon purchases with Mint.com??

I have heard that the amazon store credit card integrates with mint, ,so if there was detail about what was in each order that could do the trick. Anyone have any success with this? OP, JBTX’s post got me curious but I haven’t been able to find any reference that says Amazon transactions could be a...
by furwut
Wed Aug 30, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 30
Views: 2009

Re: How to deal with Amazon purchases with Mint.com??

I manually split up Amazon, Target and Costco transactions. Amazon is actually the easiest with the store card because the description that comes across to Mint has the name of the items in the order so sometimes I don't have to pull up the details. Amazon card does not do this with Quicken. I'm su...
by furwut
Mon Aug 28, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 30
Views: 2009

Re: How to deal with Amazon purchases with Mint.com??

I manually split mine but I don’t order much. First I’ve heard of Amazon integration!

If that doesn’t work for you checkout One Receipt. It looks like it makes splitting a tad easier.
http://twocents.lifehacker.com/an-inter ... 1696389687
by furwut
Thu Aug 24, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 16
Views: 2145

Re: Virgin Mobile unlimited talk, text, data for $1?

New information: Verge You can sign up for Virgin Mobile’s $1 unlimited plan without buying a new iPhone Back in June, Virgin Mobile became an iPhone-only carrier, offering unlimited talk, text, and data, for $1 for the entire first year if you bought an iPhone from them. Now the carrier is expandin...
by furwut
Thu Aug 10, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8566

Re: ObamaCare 2018

And don’t forget if your MAGI income is under 400% of the Federal Poverty Level your premium* is a function of your income and not what the insurance company charges.

* Based on a Silver tier plan.
by furwut
Sun Jul 23, 2017 6:47 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 99
Views: 7844

Re: Can a TIPS ladder 'fail' ?

Here are 2 scenarios:
1) You setup a ladder of, say 30 years, and you live 31 or more.
2) You have unanticipated spending and are forced to redeem some portion of the ladder early.
by furwut
Sun Jul 09, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5238

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Cook healthy at home and bring in leftovers in a microwaveable container.
by furwut
Sun Jun 25, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3855

Re: Worthwhile TV programming?

I agree that shows that are compelling and aren't just going through the motions are few and far between. I've started keeping a list on a website called justwatch.com . Whenever I read or hear about a "good" show I'll add it to my list. JustWatch catalogs all the available options to stre...
by furwut
Sun Jun 25, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate "enough" for retirement accounts?
Replies: 14
Views: 2194

Re: How do you calculate "enough" for retirement accounts?

First off, unless you have just won the MegaMillions jackpot, stopping your contributions so early is very likely a big mistake. But one way of feeling out if "enough is enough" is to imagine if you took all your money you have today and bought a deferred annuity that wouldn't start paying...
by furwut
Sat Jun 24, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Losing admiration for Warren Buffett
Replies: 9
Views: 1770

Re: Losing admiration for Warren Buffett

He's also an investor in Goldman Sachs. Buffet is a bottom line numbers guy. At the end of the day that, and that only, is what drives his investment decisions. His style is not to get involved in the running of any of the companies he owns so management doing bad things but putting up good numbers ...
by furwut
Mon Jun 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I "Consolidate your accounts" in Vanguard?
Replies: 4
Views: 995

Re: Should I "Consolidate your accounts" in Vanguard?

Here is a pro and con list. m Thanks. I too am getting occasional pings from Vanguard to consolidate. As a retiree who is spending their taxable distributions losing the feature to have these automatically transferred to my bank is annoying. Personally I do not see any benefit for consolidation and...
by furwut
Sun Jun 18, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: xfinity box with netflix
Replies: 3
Views: 478

Re: xfinity box with netflix

Keep receipts for the returned equipment Just want to expand on this. Rule 1 - Take pictures of all returned equipment including serial numbers. Rule 2 - *Demand* receipts for all returned equipment. Rule 3 - Verify receipts are 100% correct - including serial nos - before leaving. Rule 4 - Keep th...
by furwut
Tue Jun 13, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 3988

Re: How many tech devices do you have?

2008 MacBook Pro
IPad (4th Gen)
IPhone 6S with pay-as-you go cell plan
ancient HP inkjet printer
Airport Express Router

Just ordered a new iPad Pro 10.5" with Smart Keyboard. The old iPad will go to a family member. Hope is that the new iPad will obviate the need to replace the laptop.
by furwut
Tue Jun 13, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: [Moving to] Washington, DC Navy Yard Area
Replies: 12
Views: 1305

Re: [Moving to] Washington, DC Navy Yard Area

You can learn a lot about the neighborhood here:
http://www.jdland.com/dc/index.cfm
by furwut
Tue Jun 13, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3959

Re: which IPAD?

Looks like B&H is matching the $150 price drop on 9.7" Pros. B&H doesn't charge sales tax outside of NY or NJ and has free shipping.
by furwut
Tue Jun 13, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3959

Re: which IPAD?

by furwut
Mon Jun 12, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3405

Re: Auto-Debit May Not Be Such a Good Idea

I use auto-pay with a credit card and then have the credit card set up to withdraw from my checking account. In 20+ years have only had 1 or 2 issues and these were easily solved.
by furwut
Mon Jun 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7880

Re: HSAs and "Saving Medical Receipts"

A couple of financial bloggers I read are taking the "good enough" approach of claiming HSA expenses every year and retaining the receipts, for however long, with their tax return.
by furwut
Mon Jun 12, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3959

Re: which IPAD?

Since Apple has discontinued the iPad Pro 9.7" there may be quite a few brand new ones offered as refurbs on the Apple Store over the next few months.

I heard that Best Buy is offering $50 store credit for iPad Pro purchases and B&H doesn't apply sales tax outside of NY and NJ.
by furwut
Mon Jun 12, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3959

Re: which IPAD?

I'm on the decision bubble myself. Here is another link to read: New iPad Pro Inches Toward Replacing PC, but Falls Short Your use case falls into the realm that many reviews say the regular iPad (non-pro) would be a good fit for. Personally I think I'm going with the iPad Pro 10.5" to take adv...
by furwut
Sun Jun 04, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Drones?
Replies: 11
Views: 1523

Re: Drones?

livesoft wrote:I'd get the latest: DJI Spark
https://finance.yahoo.com/video/pogue-r ... 13598.html


Casey Neistat's look at the Spark ...
https://youtu.be/nujgBunvgBI
by furwut
Tue May 30, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3873

Re: Using LastPass to Manage Passwords

I use 1Password. Password managers help you create strong passwords and make it easier to change them periodically. Those are probably the most important things one can do. Now one could use a password generator and simply record that on a paper list. But that doesn't help you enter complex password...
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: 3528

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: 3575

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: 607

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: 1222

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: 1092

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: 2089

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: 3441

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: 3441

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: 4820

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: 2086

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: 2247

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: 1025

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: 2049

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: 36
Views: 3793

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: 1864

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: 582

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: 533

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: 16743

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: 16743

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: 5403

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: 629

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...