Search found 1041 matches

by htdrag11
Sat Apr 07, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 1872

Re: 1st World Problem - Pet Insurance

In short, this is a completely unregulated area, and the insurers contracts are not written with consumers in mind. Basically, there are no guarantees that the insurance will still be there when you need it, at a price you can afford, and that it will treat the problems your pet has. I think that m...
by htdrag11
Sat Apr 07, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 1872

Re: 1st World Problem - Pet Insurance

Mudpuppy wrote:
Sat Apr 07, 2018 1:56 am

There will still be difficult decisions during the care of one's pets even with pet insurance or a savings account for pet care, just the decisions will be difficult due to reasons other than costs.
+1.

Thanks for sharing.
by htdrag11
Thu Apr 05, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 1872

Re: 1st World Problem - Pet Insurance

Regarding to pre-existing conditions, here is the explanation under FAQ #7: "We will evaluate your pet's medical history during the claim process to determine if the condition existed prior to your enrollment and the subsequent waiting period (14 days for illness and 5 days for accident/injury). In ...
by htdrag11
Thu Apr 05, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 1872

1st World Problem - Pet Insurance

Does anyone have any experience with Figo Insurance? https://figopetinsurance.com/ The cost is much lower than Nationwide, at $19/month, comparing with Nationwide. https://www.bogleheads.org/forum/viewtopic.php?t=222079 I also check out this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1...
by htdrag11
Wed Apr 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5236

Re: New Subaru Outback vs. used Volvo XC-70

Well, by Friday the 6th, it would be 3 weeks. The Service Department has no Service Manager (just 3 service consultants), so the only way to escalate is back to Sales. It was suppose to be back ordered already (can't imagine that I'm the only one). Another lessons learned.
by htdrag11
Mon Apr 02, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Re: Coughing up Signing (sign-on) bonus and W2

My accountant who is a CPA weighted in, you Bogleheads are correct!!! It should be a 2017 W2; here comes a 1040x but there is no hurry since there will be a refund.

Thank you all. You rule. :sharebeer
by htdrag11
Mon Apr 02, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Re: Coughing up Signing (sign-on) bonus and W2

I haven't left the company (so far). My offer letter did state it would be prorated and I would have to pay back part though if I leave in less than 12 months. What they did with the w2 makes complete sense to me. I know it is a hassle to amend your return (s) though. It makes sense to me too but n...
by htdrag11
Mon Apr 02, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Re: Coughing up Signing (sign-on) bonus and W2

michaeljc70 wrote:
Mon Apr 02, 2018 12:00 pm
Are they sure the bonus wasn't to be prorated? I just got one and it is prorated if I leave before one year.
You're lucky. It's all or nothing in this case for 12 months. How was your W2 adjusted, for 2017 or 2018? TIA.
by htdrag11
Mon Apr 02, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Re: Coughing up Signing (sign-on) bonus and W2

riverguy wrote:
Sun Apr 01, 2018 9:59 pm
Why would you want it on 2018? Tax rates are lower in 2018.
On 2nd thought, it should reduce taxes paid for 2017 since it would be a decrease in income.

For 2018, the tax rate would drop from 28% to 24%, an even better "deal".
by htdrag11
Sun Apr 01, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Re: Coughing up Signing (sign-on) bonus and W2

Bummer. Will call on Monday to verify.
by htdrag11
Sun Apr 01, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1516

Coughing up Signing (sign-on) bonus and W2

Member of the family changed job this year after only 8 months, so needs to cough up the signing bonus which is perfectly fine. Wrote a check and mailed it in certified receipt, and the former company had cashed it. About 3 weeks later, got a 2017 W2 adjustment. Is that correct? Should it be a 2018 ...
by htdrag11
Fri Mar 30, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

Re: What is a lemon? 2018 Outback Infotainment issues

I do not know this specific issue but Subaru is not alone in infotainment issues and working with various carriers/phone models/etc. However, as I understand it the manufacturer does not guarantee that your specific phone model will work with nor cause issues to the infotainment system. All feature...
by htdrag11
Fri Mar 30, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

Re: What is a lemon? 2018 Outback Infotainment issues

The 2018 Outback infotainment issues are frustrating. I bought my Outback last September and have documented my issues on subaruoutback.org along with many others. I have not tried to use Android Auto or Apple Carplay, so I don't know if my unit has those problems. However, from what I have read, o...
by htdrag11
Fri Mar 30, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

Re: What is a lemon? 2018 Outback Infotainment issues

I understand you are spending a lot of money on a new car and this is frustrating. But, please do not use car, lemon, and radio in the same sentence if you want to be taken seriously. Lemon laws were put into effect because people would be without a car at all while their new car in the shop for we...
by htdrag11
Thu Mar 29, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

Re: What is a lemon? 2018 Outback Infotainment issues

For NJ, here is what it says: "The certified letter may be sent only after you have had at least two repair attempts for the same defect, or 20 cumulative days out of service for one or more defects, and the defect still exists. In the case of a “serious safety defect,” the letter can be sent after ...
by htdrag11
Thu Mar 29, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

Re: What is a lemon? 2018 Outback Infotainment issues

Yes. There are 6 separate threads on the 2018 Infotainment issues of various kinds. 2017 does not have Android Auto. One thread is called Head Unit Freezes.
by htdrag11
Thu Mar 29, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1545

What is a lemon? 2018 Outback Infotainment issues

I leased a 2018 Outback Limited in October 2017 for 36 months. This is my 1st Subaru and aware some of the pros and cons but never gave too much thought on infotainment. My 2014 Mazda 3 and a previously owned 2012 Lexus RX350 have little issues once Bluetooth (BT) is connected, so I'm dismayed that ...
by htdrag11
Wed Mar 28, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5340

Re: New car on lot for 102 days. Concerns?

denovo wrote:
Wed Mar 28, 2018 2:59 pm

Thanks for the stamp of approval.
Does this also apply to leasing? TIA.
by htdrag11
Wed Mar 28, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1408

Re: Talking to a friend out of the dreaded VA policy

Great news. She is convinced to check out 3 possibilities: her friend's FA, my former FA whom I fired last year who charges 1% AUM after ending our relationship spanning 13 years, and last but not least, Vanguard's PAS at 0.3%. She was also miffed that the other CFP kept pushing VA, though she certa...
by htdrag11
Sun Mar 25, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2391

Re: eBay seller mails hard drive in paper envelope

+1.

The seller should mail it in bubble wrap or safely wrapped the hard drive. eBay favors the buyer these days, unlike 10-15 years ago. You should able to get your refund. Also, it seemed that the seller had used the HD, not very cool in his listing description.
by htdrag11
Sun Mar 25, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1408

Re: Talking to a friend out of the dreaded VA policy

Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy Hardcover – December 29, 2009 by Jane Bryant Quinn (Author) is a great reference for personal finance. Perhaps she would listen to this author and her common sense. You can get it at the library or buy ...
by htdrag11
Sat Mar 24, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1408

Re: Talking to a friend out of the dreaded VA policy

Just for laughs, here are part of the "advertisement" from this 30 years veteran FA with these certifications, CFP, CDFA ®, CFS, CLTC: "Investment Planning : Deposit a portion of your IRA into Transamerica’s Variable Annuity : Provides a guaranteed lifetime income allowing a 5% withdrawal of the lar...
by htdrag11
Sat Mar 24, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1408

Talking to a friend out of the dreaded VA policy

Friend of mine is talking with a veteran (30 years) CFP who is advising her (in the early 50's) to get a VA from one of the non-Fidelity/Vanguard groups, e.g., not competitive outfit. Based on some of the terms used, I'm sure some of you would have guessed which company it is coming from. She recent...
by htdrag11
Fri Mar 23, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5236

Re: New Subaru Outback vs. used Volvo XC-70

As I noted earlier, brother just bought the same car and is having the same issue (in fact, far more electrical issues). Loves how it drives, especially how it handles the snow on unpaved roads (as an oil & gas contractor, he's currently work in the middle-of-nowhere Colorado), but he's said he's h...
by htdrag11
Fri Mar 23, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21676

Re: Anyone Deleting Facebook?

I stopped using Facebook long ago, and would have deleted it long ago, but every time I tried to find the way to delete it, I spent 10 minutes searching for the delete my account button. Never found it. But now that so many are leaving, there are newspaper articles telling how to delete it. Here is...
by htdrag11
Thu Mar 22, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5236

Re: New Subaru Outback vs. used Volvo XC-70

It's the Harman Kardon optional speaker system - the basic stereo is too pedestrian for me. My model is the Limited but most folks would be happy with the Premium line, a step above basic. I'm a sound snob but my 2014 plain Jane Mazda 3 has no problem streaming from my phone at all. However, it does...
by htdrag11
Thu Mar 22, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371497

Re: U.S. stocks in freefall

Surprise that gold hardly move up at all. Meh! :?
by htdrag11
Wed Mar 21, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5236

Re: New Subaru Outback vs. used Volvo XC-70

I understood the OP got a Volvo, so for him the case is close. I did post earlier about my problem with the Outback infotainment system failing twice. Brought it back to the dealer on Monday. They decided that it's time to replace the amp (debugging between my Nexus 6p software and the Subaru HK sou...
by htdrag11
Wed Mar 21, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2620

Re: Buy individual stock to maintain my honor?

+1. Donate the money to one of your favorite charities. As long as you can sleep well at night, that is all that matters. In our daughter's case, there is no such luck. She had to write a personal check back to the company and ate the taxes. The check was promptly cased out by this Fortune 100 compa...
by htdrag11
Wed Mar 21, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Hario or Bonavita water kettle - which to keep?
Replies: 1
Views: 270

Hario or Bonavita water kettle - which to keep?

I've indulged myself in various kitchen gadgets, the latest being on the subject line. The Hario is 800 ml while the Bonavita is 1,000 ml. Both cost about the same after discounts, $30 vs. $25, but the former is made in Japan while the latter is China. Based on my causal observation, I could not tel...
by htdrag11
Fri Mar 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3495
Views: 985977

Re: What Movie Have You Recently Watched?

Annihilation. It is a difficult film to sell to the public as well as reviewing it. It's kind of reminiscent of the typical answers that I heard earlier in the movie's dialogue, "I don't know". It's more similar to the Russian's 1979 Stalker than Ridley Scott's Alien from the same year. Walked out w...
by htdrag11
Tue Mar 13, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3491

Re: Should we buy my wife a new car?

Couple of caveat about the 2018 Outback: 1. Get the Premium model without power liftgate which could be problematic. Mine is a Limited model fully loaded. 2. The infotainment unit in 2018 has Apple CarPlay and Android Auto; the integration is buggy. The 2017 does not have such upgrade. Otherwise I'm...
by htdrag11
Thu Mar 08, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4741

Re: Consumer Reports Auto Issue Out now

I wish. Modern cars have lots of electronics. My highly rated 2018 Outback Limited 2.5 has power liftgate and Android Auto. 1. Either Android Auto crashed my optional HK sound system or my Android cellphone crashed once. Needed to go back to the dealer to reset; cannot do it from home (so they said)...
by htdrag11
Thu Mar 08, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why (or why not) use an advisor
Replies: 42
Views: 2056

Re: Why (or why not) use an advisor

I would conjecture that most of us have advisors before. After my 1st successful CFP from the last century retired (burned out), the next 3 was either bad or average. It took me a bit of courage to wean from the last 2, but I'm glad I did it last year. I feel very comfortable with my 50-50 AA. Since...
by htdrag11
Tue Mar 06, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5483

How Amazon Can Blow Up Asset Management

https://jirisancapital.com/amazon-can-b ... anagement/

According to the author, Amazon could be the next threat to all the active financial planners as well as robo advisers out there. It's a very dire concept for Wall Street and high paying bankers.
by htdrag11
Thu Mar 01, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2559

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

I inherited our daughter's 2012 MBA 13". My converted Dell XPS 15" from XP to Windows X has been slowing down. Each update takes longer. I'm just getting tired of the Windows platform's overhead. I also have a Dell CB 2 13" with FHD screen. I do not see going back to Microsoft; both the 2012 MBA and...
by htdrag11
Mon Feb 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2474

Re: Is window replacement this expensive?

I forgot to mention this old thread about Renewal by Andersen (RBA) .

viewtopic.php?t=135100

Here is another review on RBA.

https://thewindowdog.com/replacement-wi ... s-reviews/
by htdrag11
Mon Feb 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2474

Re: Is window replacement this expensive?

Here is another data point. I have one estimate to replace each Andersen sash at $425 each plus tax, 30" x 56". Have one replacement of Andersen casement window, 32" x 46" for $1,425 (including old one disposed). We live in a HCOL area. I'm still waiting for another estimate next week. It's difficul...
by htdrag11
Tue Feb 13, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1356

Re: What are the chances of corrected 1099s?

Just in case you didn't know: The 1099-B summary on the first page will ONLY show cost basis for covered shares. If you have any noncovered shares sold there will be a huge gap between the reported cost basis on the summary and what you will eventually report. If this doesn't apply to you, you can ...
by htdrag11
Mon Feb 12, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1356

Re: What are the chances of corrected 1099s?

Got mine today. However, my cost basis page downloaded from Vanguard and my 1099's cost were off by a whopping $80k. It's the 1st time I notice such a drastic difference. My Vanguard account is about 20 years old, so everything has been with Vanguard for a long time. None was transferred over. I'm n...
by htdrag11
Sun Feb 04, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1441

Re: Need some advice on my financial situation

You're not late, plus you are helping your siblings, great karma. As for commuting, our daughter used to travel an hour and she hated the traffic. Her rent is a bit higher than yours, but she loves it (works from home in her new job). You are a bit aggressive on the international side, kind of like ...
by htdrag11
Sun Feb 04, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Objective Opinion on Proposed Portfolio
Replies: 15
Views: 678

Re: Objective Opinion on Proposed Portfolio

Welcome to the forum. Whether you will be getting social security is moot, given your expenses are low. Like most of the comments, you just need a 3-4 funds portfolio. I've no issue with ETFs as long as their expenses are the same or lower than their mutual funds counterparts since I personally do n...
by htdrag11
Sun Feb 04, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 6037

Re: Potential employer wants me to give offer - how to respond?

Check out glassdoor.com also. Give them a range, rather than a single number since there are so many variables, such as bonus, healthcare, 401k matching, internet, cellphone, RSUs, public transit fares, etc. Justify by doing a line item comparison from your current position to give yourself more cre...
by htdrag11
Sat Feb 03, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5236

Re: New Subaru Outback vs. used Volvo XC-70

We have had 3 Subaru Outbacks and have loved each one. No major mechanical issues encountered during our ownership periods.... ( although I believe they had a head gasket problem in the 2005-2009 models) Our current Subaru is a 2014- has about 60,000 miles.....would buy another if needed. Not speci...
by htdrag11
Fri Feb 02, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1771

Re: Turbo Tax Newbie

I used to use Turbo Tax until 2014 (?) when they raised the price by a large percentage but has switch to H&R Block at a much lower cost.

No regrets.

GL.
by htdrag11
Tue Jan 30, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3688

Re: Should I join Linkedin?

Having a profile is just a small aspect. You need to work it behind the scene with real networking, or grow it with care, like a plant. Must have a headshot; people like to connect with a face, not a no-name. Emulate a profile with someone in your specialty to attract. Your 2-line summary are very k...
by htdrag11
Wed Jan 24, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview - “Uneasy lies the head that wears a crown”
Replies: 1
Views: 674

Bogle Interview - “Uneasy lies the head that wears a crown”

Henry the Fourth, Part II - The head that wears a crown is indexing’s 25% market share of mutual fund assets – that’s the true share, not including index funds used as trading vehicles – and that share continues to grow. It’s amazing. In case you missed Jack Bogle's interview by Laurence Siegel on ...
by htdrag11
Sun Jan 21, 2018 9:55 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3642

Re: My daughter got her dream job

As parents, our greatest accomplishment never can compete with our children's, IMO. Congrats! Ours is a bit older than yours by about 10 years and she is in the Big Apple. Her T-IRA is in TSP while her taxable accounts are in Vanguard, managed by me! :sharebeer Yes, it is a safe forum to share and g...
by htdrag11
Sat Jan 20, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on 65 year old's portfolio
Replies: 19
Views: 2429

Re: Opinions on 65 year old's portfolio

Welcome to the forum! You're in great shape financially, well done. Your pension gives you a nice annuity income; leave it as it is. Agreed with David Jay and others that you might want to do some Roth Conversion from your 401k plan account (roll it over to a T-IRA and then to a Roth once you retire...
by htdrag11
Sat Jan 20, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4700

Re: New Brake Pads

Sounded about right for a local mechanic.

I had my front brakes on a 2012 Lexus RX done last year but had a Toyota dealer did the rear for about 10% more (convenience). However, I'm sure Lexus would charge at least $100 more to pay for the Starbucks and bagels.