Search found 1244 matches

by furwut
Wed Nov 15, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4365

Re: Tipping in living wage state. Redux.

I don’t know if this has been mentioned yet or not but there is both a minimum wage AND a tipped wage. Unless they are doing away with tipped wage rates, which is much lower than minimum wage, the expectation is that customers are voluntarily making up the difference.
by furwut
Tue Nov 14, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Help
Replies: 7
Views: 635

Re: HSA Help

There are spreadsheets around to help you make a choice but, as a general rule, I like to break it down to into 3 scenarios: Low medical expenditure - A HDHP saves you money due to lower premiums and increased tax savings. Medium medical expenditure - a fuller insurance policy becomes better due to ...
by furwut
Sun Nov 12, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions about free tax filing
Replies: 9
Views: 772

Re: Questions about free tax filing

Last year I was able to use Turbo Tax deluxe (or premium, can’t keep them straight anymore) version for free. It handled capital gains.

Free File Software Offer
by furwut
Mon Nov 06, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4257

Re: I Cut the Cord yesterday!

The cable companies must be in trouble and I wonder if they are going to start raising the price of internet services? In many places they already have and have been doing so for some time. Comcast is also rolling out data caps so, in the near future, all that streaming is still going to cost you p...
by furwut
Tue Oct 31, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1667

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

If anything Mint/PC helps you prevent fraud. I can see all of my accounts in 1 spot and transactions as they happen. If anything pops up I don’t know about I know about it immediately...not in 3 weeks when my statement shows up. This is especially important if you are into credit card/bank account/...
by furwut
Tue Oct 31, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1667

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

You're at far greater risk of fraud logging in via your browser every time you want to check. Account theft happens via key loggers, so logging in to an App is better than typing in your credentials on your banks website. That's a great consideration but if my $3m account is stolen and it's shown t...
by furwut
Tue Oct 31, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1667

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

Banks can easily mitigate the risk by providing read-only passcodes for account holders to share. One reason they don't, though, is they would rather you come to their site or use their app rather than a 3rd party service - all the better to sell you other products. I think some of the reason banks ...
by furwut
Mon Oct 30, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Basic money management s/w for a mac-based millennial English major?
Replies: 21
Views: 1272

Re: Basic money management s/w for a mac-based millennial English major?

She's not disciplined enough to build her own budget and track everything via spreadsheet. Dad uses Quicken, but that looks like too much complexity and cost for her. What's a better match for her relatively simple needs? YNAB requires, I believe, that one manually record all expenses. If so that’s...
by furwut
Wed Oct 25, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3105

Re: FIL Stage 4 Cancer - Next steps

CHM pays as agreed and has for years. Just because you don't believe it's not good doesn't mean it isn't.
A simple google search puts that seriously in doubt.
by furwut
Wed Oct 25, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Switching health insurance mid-year?
Replies: 6
Views: 542

Re: Switching health insurance mid-year?

but will turn 26 in August 2018, upon which point I will no longer be able to be on his plan.
Also verify this with your father’s HR department. In some cases ( varies by state?) you remain covered to Dec 31st of the year you turn 26.
by furwut
Wed Oct 25, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3105

Re: FIL Stage 4 Cancer - Next steps

Health Insurance Update: Plan: Christian Healthcare Ministries, Gold Plan, Brothers Keeper So, it looks like there is a $500 cap per incident (I am assuming an occurrence of cancer is an incident). No annual cap per incident (would be capped at $125,000 w/out Brother's Keeper). Given this, is the r...
by furwut
Sun Oct 22, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Are all Vanguard Funds an Index Fund?
Replies: 15
Views: 1044

Re: Are all Vanguard Funds an Index Funds?

I recommend reading Bogle on Mutual Funds. It completely changed my investing life.
by furwut
Sun Oct 22, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2531

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

Vanguard has the experience, economy of scale and ethos to offer low cost index funds. If someone is undercutting them I naturally wonder how they are able to do so and how long might they remain committed to operating at, possibly, a loss. Once State Street has demonstrated 5 years of out competing...
by furwut
Thu Oct 19, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need ACA help due to underestimated income
Replies: 8
Views: 867

Re: Need ACA help due to underestimated income

See https://ttlc.intuit.com/questions/29356 ... deductions

My understanding is you pay back when you file and not sooner.
The extra premium paid is deductible in the year paid. So it will be deductible on your 2018 return.
by furwut
Mon Oct 16, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2574

Re: Circumstances in which a freeze needs to be lifted

This last time I tried to get one of my reports, however, I was told I could not get it online and would have to apply for it through snail mail. Now I'm wondering if the companies are tightening up. (Or maybe figure they have found a way to make a few bucks from the free credit report requirement ...
by furwut
Sun Oct 15, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1358

Re: ACA stay below 250% FPL for 2017?

If your income changes you are supposed to inform the Exchange as soon as possible. I don’t know of any penalty for failing to do so however. If you’re enrolled in a Marketplace plan and your income or household change, you should report the changes as soon as possible. These changes — like higher o...
by furwut
Sun Oct 15, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7221

Re: What are you driving? And would you buy your current ride again?

2010 Surly Long Haul Trucker. Yes I would buy again but get the disc brakes perhaps. Haven’t owned an automobile since 2003.
by furwut
Sun Oct 15, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7013

Re: How does everyone keep track of your portfolio?

jebmke wrote:
Sun Oct 15, 2017 2:35 pm
We moved everything to Vanguard. It is all there when I log in.
Same. I have a few outside accounts that I entered into Vanguard. All I really need is the 50,000 ft view.
by furwut
Sun Oct 15, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 731

Re: Help with Individual 401k

Undoing the conversion is more properly known as recharacterization. Yes your wife can do this. If she does then the pro-rata issue with the tIRA becomes moot.
by furwut
Sat Oct 14, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1333

Re: Happy Consumer Story (Backpacking Tent)

REI has a very liberal return policy. Makes me wonder how they stay in business. :shock:
by furwut
Sat Oct 14, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 4010

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I think it is clear there is a liability risk when conducting business over the phone with a person who is driving. I recall a case, some years ago, when a lawyer was driving while participating on a call for his/her law firm and caused an accident. The claimant(s) sued the lawyer AND the law firm. ...
by furwut
Sat Oct 14, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 731

Re: Help with Individual 401k

Sometimes the best policy is KISS. Keep it simple ... Why not delay the backdoor conversion (just park the money in a separate tIRA) until your wife has her new job and tIRA rolled into new job’s 401k? She already did her backdoor Roth IRA conversion in Jan 2017 for this year. Have you considered u...
by furwut
Fri Oct 13, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: New investment account vs. credit freeze?
Replies: 7
Views: 853

Re: New investment account vs. credit freeze?

Ask if they will run a credit check, I think by law they are required to disclose anyway, and with what agency. Request a thaw at that agency.
by furwut
Fri Oct 13, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 731

Re: Help with Individual 401k

Sometimes the best policy is KISS. Keep it simple ...

Why not delay the backdoor conversion (just park the money in a separate tIRA) until your wife has her new job and tIRA rolled into new job’s 401k?
by furwut
Fri Oct 13, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10436

Re: 2018 ACA costs arrived

Back to ‘2018 ACA costs arrived’

The breaking news that this administration will no longer make CSR payments to insurers, coming just 3 weeks before open enrollment, throws everything back into uncertainty.
by furwut
Thu Oct 12, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1471

Re: Does IRS have equivalent of credit freeze?

Curious how tax-filing fraud is ever possible? The impostor not only needs your identify info, but also W-2, dividend, capital gain/loss, mortgage payment, etc., etc? It could be the IRS doesn’t have the correlating data from reporters ready early in the tax season to cross-check. But they are unde...
by furwut
Thu Oct 12, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 3974

Re: Anyone used Zelle?

Zelle is pretty new having only rolled out this Summer. It may be that the banks are doing a soft start before heavily advertising it. I’m using it for small personal payments from my Capital One 360 account. Capital One has the Zelle Service baked into their P2P payment interface. The issue with as...
by furwut
Thu Oct 12, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1713

Re: Washington DC Trip

I’d advocate using Capital Bikeshare over a bus, weather permitting.
More flexible, more fun.
by furwut
Wed Oct 11, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10436

Re: 2018 ACA costs arrived

I’m curious to know what 2018 rates will be in my location as well. Haven’t received my renewal letter yet. In any event I’ll have a subsidized policy so I expect I’ll pay pretty much the same as last year. I vaguely recall language in the ACA that, starting in 2019, a ceiling comes into effect limi...
by furwut
Thu Oct 05, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49303

Re: Retirement Account Stolen by Identity theft

So what happened to the money - $52,000 - that was fraudulently transferred to the bank? Was the account cashed out?
by furwut
Mon Oct 02, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2121

Re: On the video games path - how to set it up with younger kids

I think you’d be better off keeping your house video game free. These games are designed to be addictive and turn out highly addictive to some. In return I don’t see any redeeming social value.

I think occasional play dates with friends is enough exposure.
by furwut
Tue Sep 26, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3698

Re: Unbelievable AT & T

Here’s my AT&T story. Some years ago I decided to switch from AT&T to an MVNO. While doing some preliminary research I ran across several threads of former customers all warning that if you had auto payment AT&T would collect the final bill at the full monthly amount and refuse to give a prorated re...
by furwut
Fri Sep 22, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2578

Re: How Often Do you make a Back-Door Roth Conversion

This recharacterization strategy isn't really relevant to the backdoor Roth procedure. It's more relevant to doing a straight Roth conversion of pre-tax tIRA funds. If I Roth convert $20,000 and it falls to $18,000 then I might do this... Yeah I have to agree. Its for the obsessives. The best time ...
by furwut
Fri Sep 22, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2578

Re: How Often Do you make a Back-Door Roth Conversion

Is there any need to do this more frequently throughout the year? Practically speaking no. Secondly, this year my last paycheck will be on December 29th. If the funds are deposited on Dec. 29th, is there any problem with re-characterizing them that day? Sometimes the conversion process goes awry. S...
by furwut
Thu Sep 21, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Password Managers Single VS Multi-user / Generic question
Replies: 4
Views: 595

Re: Password Managers Single VS Multi-user / Generic question

Single User PW Manager Pros Less expensive Slightly More Convenient Single User PW Manager Cons Possible number of devices constrained Multi Use PW Manager Pros Supports personal private items Probably allows a higher number of devices if that is a constraint. Multi Use PW Manager Cons More Expensiv...
by furwut
Sat Sep 16, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Experian unable to honor freeze request
Replies: 2
Views: 693

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: 3007

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: 1754

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: 1754

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: 11782

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: 108
Views: 17029

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: 37
Views: 3138

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: 37
Views: 3138

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: 37
Views: 3138

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: 2283

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: 9214

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.