Search found 1159 matches

by furwut
Sun Mar 26, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 52
Views: 12923

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: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1923

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: 445

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: 445

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: 761

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: 104
Views: 5882

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: 3851

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: 955

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: 7235

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: 7235

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: 7544

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: 465

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: 465

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: 465

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: 4476

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: 2841

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: 3221

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: 1560

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: 5462

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: 1911

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: 4218

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: 1049

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: 851

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: 1165

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: 1036

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: 4
Views: 1081

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: 1856

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: 2535

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: 1377

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: 4
Views: 1081

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: 570

Re: ROth 401K

The Wiki covers the subject ...

Traditional versus Roth
by furwut
Wed Feb 01, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 6890

Re: Just watched Warren Buffett's new HBO Documentary

Caduceus wrote:
If I don't have HBO, is there some other way I can watch it? I would really love to watch it too. :D


You may be able to stream it on HBO Now at some point.
EDIT: I checked and it is available on HBO Now. First month is free ...
by furwut
Wed Feb 01, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 17
Views: 1878

Re: GEICO discount for Berkshire Hathaway shareholders

Alan S. wrote:Now let's see. If BRK ownership makes you a better driver, I wonder whose shares will get you a surcharge? :?:


BEAM.
As in Jim. 8-)
by furwut
Wed Feb 01, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 17
Views: 1878

Re: GEICO discount for Berkshire Hathaway shareholders

tedclu wrote:You don't need to own a share, the discount can be had MANY ways, just give them a call, 99% of the people could qualify.


This.
by furwut
Fri Jan 20, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: IRA conversion question
Replies: 2
Views: 185

Re: IRA conversion question

401k assets are not included in the IRA prorata rule.
by furwut
Tue Jan 17, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 19
Views: 1981

Re: Have GEICO auto, asked for quote online, $150 less

You probably caught this, but when initially obtaining an on-line quite from Geico, the parameters included higher deductibles, less comprehensive and less liability coverage than we currently held. Adding in comparable parameters changed the quote substantially. Tim THIS and Depending on the infor...
by furwut
Sun Jan 15, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5479

Re: Flafship Reps

I wont miss my Flagship rep. But I will miss the free TurboTax I have received for the past 10(?) years. The only real perk of Flagship. I think that's gone now anyway isn't it? I wonder if Vanguard hasn't used its pool of experienced Flagship Advisors to fulfill its need for Personal Service Advis...
by furwut
Sun Jan 15, 2017 5:40 am
Forum: Investing - Theory, News & General
Topic: Do you manually do bookkeeping for all your investments by yourself?
Replies: 17
Views: 2044

Re: Do you manually do bookkeeping for all your investments by yourself?

Isn't true that every investment provider is required to keep track of the cost basis shares purchased after 1/1/2012 (i.e., covered shares) for you?

I've always left the bookkeeping up to Vanguard.
by furwut
Thu Jan 12, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 1008

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

I rode my bike to work for many years carrying my lunch in a messenger bag strapped over my back. Obviously I was very concerned that there be no leaking onto my work clothes. My solution was to buy a set of airtight stainless steel containers made by Sanctus Mundo. To keep them airtight I never put...
by furwut
Sun Jan 08, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10862

Re: Is driving for uber worth it for side money?

Will working 8PM to 4AM on Friday and 12PM to 4AM interfere with your sleep and ability to perform your primary job? That is a lot of hours and they may be different from your regular work hours and you will also be eliminating any opportunity to rest and relax. Just wanted to stress that operating...
by furwut
Thu Jan 05, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Settlement Advice
Replies: 19
Views: 1215

Re: Auto Insurance Settlement Advice

Why don't you check with a personal injury attorney? Usually the initial consultation is free.

IMO the disruption to ones life having to go to 36 medical appointments is worth more than $5000.

Good luck :)
by furwut
Wed Jan 04, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4790

Re: On Point - Big Worries For Your 401(K) Retirement Plan

Under the 401(k) system you're made responsible for saving for your retirement. The problem is that:

A lot of people who can save don't.
And a lot of people who don't save can't.
by furwut
Tue Jan 03, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Advice on possible move. Investment vs lower mortgage
Replies: 3
Views: 586

Re: Advice on possible move. Investment vs lower mortgage

Real Estate transactions are very expensive so you don't want to be the person who changes houses as often as you might change hairstyles. Still homes are about lifestyles and if this is something you can afford you should consider it. But mhalley's warning about carrying 2 properties at once should...
by furwut
Tue Jan 03, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Choosing an Electric Company - Help!
Replies: 4
Views: 598

Re: Choosing an Electric Company - Help!

In my area the traditional power company remains responsible for distribution and billing* so, under that arrangement, the customer service aspect doesn't change. I chose to continue with them as my electricity provider as well since they alone charged a discounted rate for the first X hundred kilow...
by furwut
Sat Dec 31, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Tax Benefits of 401k when you have existing debts...
Replies: 8
Views: 792

Re: Considering Tax Benefits of 401k when you have existing debts...

Saving versus paying down debt is a question that comes up pretty often. There's probably even a Wikipedia entry on it. I think conventional wisdom would suggest contributing at least as much to the 401k to earn the maximum employer match. As for the next dollar I don't think it's so much a matter a...
by furwut
Sat Dec 31, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 5254

Re: Is it safe to use debit cards? Anybody here have one compromised?

I've actually never had a credit card (I'm 26) and have always just used a debit card. After reading these threads though, I'm considering getting one. Does Ally offer increased fraud protection for their credit card compared to their debit card? Is this worth doing? It would be difficult to fully ...
by furwut
Fri Dec 30, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 5254

Re: Is it safe to use debit cards? Anybody here have one compromised?

Would love to hear what others have to say about this. I have heard it is a nightmare if one is compromised. This is my only checking account. Use a credit card unless there is a special reason to use debit - like qualifying for the interest rate on a rewards checking account. Banks are required to...
by furwut
Fri Dec 30, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth to open a Roth IRA with my tax bracket?
Replies: 18
Views: 1565

Re: Is it worth to open a Roth IRA with my tax bracket?

Yes, consider opening and making a Roth IRA contribution.

A Roth IRA whose growth will be tax free beats a Non-Deductible IRA whose growth will be taxed at your income tax rate when distributed.
by furwut
Fri Dec 30, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Zipcar?
Replies: 9
Views: 1226

Re: Zipcar?

Congratulations on the car-free decision. I went car-free 2003 and haven't regretted it yet. Here's a link to Zipper's FAQ's on insurance: http://www.zipcar.com/how#faqs-insurance-policy Unlike a traditional auto renter where the car is inspected upon return the only way an outfit like Zipcar has to...

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