Search found 4045 matches

by madbrain
Mon Jan 16, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 13
Views: 420

Re: Durable photo printer ?

Watty wrote:Be sure to check out the ink price. It looks like it takes 8 ink cartridges and a full set cost about $123

https://www.amazon.com/Canon-CLI-42-PK- ... B00ALMJT04


Yes. But they can usually be refilled for less. There are some 3rd party CISS systems too.
by madbrain
Mon Jan 16, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 13
Views: 420

Re: Durable photo printer ?

I upload photos to WalMart and they are printed at 4x6 in under an hour for $0.19 each. It doesn't seem like you could do it for less at home. Wal-Mart isn't usually open at the hours I want to print, nor do I want to drive 5 miles/20 min one-way just to print a photo. Sometimes cost isn't the prim...
by madbrain
Mon Jan 16, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 13
Views: 420

Re: Durable photo printer ?

Took advantage of my own offer (LOL), wife gets a very nice anniversary gift! - $499 MSRP (or at least that's the Best Buy price) - $379 Adorama price :happy - Another $5 off since I selected "green shipping" (ground), still 'free' :) - 1% cash back via Ebates :P ( Everyone should sign up...
by madbrain
Mon Jan 16, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I'd presume it will be declared totaled. Buy a 3 year old used Prius off lease, rumor is their prices have dropped significantly recently because of the new model Prius as well as low gas prices. Then when the bolt or tesla 3 are ready for you, go for it. Insurance company wants to send a field adj...
by madbrain
Mon Jan 16, 2017 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare question.
Replies: 18
Views: 1406

Re: Obamacare question.

Or if you have no income (you control it) for the first six months, wouldn't you be eligible for "expanded" Medicaid? Might be more of a hassle than it's worth but should provide some protection. Be careful if you go for Medicaid when you die. The government may go after your estate to re...
by madbrain
Mon Jan 16, 2017 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare question.
Replies: 18
Views: 1406

Re: Obamacare question.

Can you get new doctors and go to a different hospital for the ACA plan? +1 I would assume that for any non-emergency procedure, the doctors could send you to another hospital, even if it is not your preferred one or the closest one to where you live. For emergencies, the insurer is usually require...
by madbrain
Mon Jan 16, 2017 3:43 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 13
Views: 420

Durable photo printer ?

Is there such a thing as a photo printer that lasts ? Back in the 1990s, my first black & white inkjet printer, a Deskjet 500, lasted a good decade without issues. Nowadays, it seems that most photo inkjets are mainly disposable. Every single one I have bought has died within a couple of years. ...
by madbrain
Sat Jan 14, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket health care costs - how to pay when traveling overseas?
Replies: 12
Views: 791

Re: Out of pocket health care costs - how to pay when traveling overseas?

In my experience, having been sick in many countries including France, Greece and Vietnam, I was always able to pay out of pocket expenses with a credit card. Then when I got home, I submitted a claim to my insurance company.
by madbrain
Fri Jan 13, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I'd presume it will be declared totaled. Buy a 3 year old used Prius off lease, rumor is their prices have dropped significantly recently because of the new model Prius as well as low gas prices. Then when the bolt or tesla 3 are ready for you, go for it. Insurance company wants to send a field adj...
by madbrain
Thu Jan 12, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

rallycobra wrote:Buy a new headlight on ebay. Unbolt the fender and beat it it back to shape with a hammer. Get a can of matching spray paint and do a few light coats. Bolt the fender back on, cash the check from the insurance company, and profit!


Thanks, but we are not handy.
by madbrain
Thu Jan 12, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

This vehicle is likely worth more than you think, KBB private value is usually low compared to Insurance Company value. Insurance value is based on actual sale price of vehicles at a dealership through a service like Audatex, CCC. or Mitchell. I think you are right that my estimated value is low. W...
by madbrain
Thu Jan 12, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I finally spoke to the adjuster at the insurance company today. He said they would have to send a field examiner due to the amount of damage. And there won't be one for another week. But he said that they would only consider it a total loss if the cost of the repair is greater than the value of the...
by madbrain
Thu Jan 12, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I'd be shocked if this isn't a total loss, and I would not consider taking a lesser settlement in return for keeping this salvage. Once a car has a salvage title, it will always have a salvage title which makes the value even more questionable and the vehicle very difficult to get rid of later. I f...
by madbrain
Thu Jan 12, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I can't determine what makes more sense for you, but I strongly favor going for an EV (CPO Tesla, Bolt, Or Tesla III). As much as I love the Tesla III, it is likely to be delayed more than one would hope. Getting a used Tesla has the advantage of free lifetime Supercharging, but it sounds like that...
by madbrain
Thu Jan 12, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

As far as buying a new car, the replacement new car I had in mind 2 years from now - either Chevrolet Bolt or Tesla III - are not readily available for purchase yet. Why not buy a Honda or Toyota hybrid that is new and hold it for 2-3 years then get the Bolt or Tesla III? The car will have bumper t...
by madbrain
Thu Jan 12, 2017 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

Don't stress too much over this decision. If insurance company totals vehicle, let it go. Insurance company uses numerous factors to decide if vehicle is a total loss and what the payout will be. The price to purchase a comparable vehicle ( actual vehicles for sale in your area) with the same milea...
by madbrain
Wed Jan 11, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Re: Car accident . Fix car or not ?

I think insurance company will decide whether car is totaled or not. If totaled by them, they will give you what value they think its worth and you can argue for more. Many times it depends on adjuster. No one would buy it in its present condition so you do not have that option. If you were thinkin...
by madbrain
Wed Jan 11, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1550

Car accident . Fix car or not ?

My husband was involved in a car accident yesterday. Roads were flooded. He hit the brake abruptly and the car swerved and hit the divider. Major damage to the front passenger side. The car is still drivable, but a lot of parts are exposed, and no right front light. The car is a 2011 Prius with 111,...
by madbrain
Sat Jan 07, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 561187

Re: What Movie Have You Recently Watched?

Hidden Figures I just saw this powerful, evocative, and uplifting newly released movie today. It connected with me deeply on so many levels: the power of math, the importance of fighting racism and sexism, and my early childhood memories of starting school immediately after Sputnik. Anyone else my ...
by madbrain
Wed Jan 04, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1272
Views: 204660

Re: What are you up YTD? [Year To Date]

According to Quicken, I ended 2016 at : 26% international stocks (18% total international, 8% emerging markets) 26% domestic stocks (16% large cap, 10% small cap) 40% domestic bonds (including 35% investment grade, 5% high-yield) 8% cash Total return, again according to Quicken : 6.91% Up 1.09% in 2...
by madbrain
Wed Jan 04, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 122
Views: 15734

Re: Fidelity free Turbotax

There seems to be 3 Fidelity qualifying requirements that individually can be satisfied to trigger the TurboTax link: - being an active trader - having non-retirement balance of at least $1m (excludes IRA/401k) - $100k in personal investing (excludes business-related accounts) I called Premium Serv...
by madbrain
Wed Jan 04, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 122
Views: 15734

Re: Fidelity free Turbotax

HopeToGolf wrote:Good luck trying to save your $100.


Turbo Tax Premier is only $54.86 at Amazon or Costco, so it's not even $100. I would like to save it too, but I don't meet the minimum requirements. Most of my investments are in IRA & 401k.
by madbrain
Wed Jan 04, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth IRA Through Fidelity
Replies: 19
Views: 771

Re: Mega Backdoor Roth IRA Through Fidelity

I have the SDS that I downloaded from Fidelity after I sent the last message. There are three pages about in-service withdrawals. Here are the headings: -Roth After-Tax and Roth Catch-Up Contribution In-Service Withdrawals -Age 59½ In-Service Withdrawal -Active Duty In-Service Withdrawal -Qualified...
by madbrain
Wed Jan 04, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: No VIIIX Distribution in HealthEquity Account
Replies: 12
Views: 842

Re: No VIIIX Distribution in HealthEquity Account

My Fidelity 401k with a MegaCorp posted the VIIIX distribution on 12/23 also.
by madbrain
Mon Jan 02, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10018

Re: Max It Out Tomorrow

I'm right around the income threshold where I am eligible for Roth contribution or not. I don't know whether to make a non-deductible contribution to a traditional IRA and then convert; or direct Roth contribution. I likely won't know until December of 2017. Just do the backdoor in January. There w...
by madbrain
Mon Jan 02, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 561187

Re: What Movie Have You Recently Watched?

This past week I saw "Loving". Interesting subject, and good acting, but I thought the pace of this movie was just too slow. It should have been a half hour less. Also saw "Lion" yesterday (I mean, "A long way home"). Great movie, and it brought me to tears at the end. ...
by madbrain
Mon Jan 02, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10018

Re: Max It Out Tomorrow

I'm right around the income threshold where I am eligible for Roth contribution or not. I don't know whether to make a non-deductible contribution to a traditional IRA and then convert; or direct Roth contribution. I likely won't know until December of 2017. Just like in 2016 - I made my contributio...
by madbrain
Mon Jan 02, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3201

Re: Nissan Leaf ?

He would get home with maybe 20 miles (of 100) left. The old Leaf never claimed 100 miles of range. It was 73 miles. Current one is a little bit more. "Miles left" are pretty much meaningless as it is an estimate based on previous driving, known as the "'Guess-O-meter" (GOM). Fo...
by madbrain
Wed Dec 28, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9678

Re: Learning an instrument as an adult?

Think about kids learning music -- parents FORCE them to practice an hour a day. If you can dedicate similar time and effort, you will make similar progress. There is plenty of evidence to the contrary. Kids learn much faster than adults. http://edlab.tc.columbia.edu/index.php?q=node/10822 I certai...
by madbrain
Wed Dec 28, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3201

Re: Nissan Leaf ?

First hand experience here with a 2012 Leaf. Leased it for 39 months. Hated it. - first, forget about using 110V charger. 21 hour charge from 0 to full made it impractical . Installed a 220V charger very quickly - with the heater, even in the relatively mild SF bay area climate, total range dropped ...
by madbrain
Tue Dec 20, 2016 2:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 561187

Re: What Movie Have You Recently Watched?

A very strong cast and some positive reviews may lead you to believe that Nocturnal Anima ls is worth seeing. You would be mistaken. I saw it a week ago, and greatly enjoyed it, though there is much left unexplained. The story within the story alone is better than many horror movies, IMO. This week...
by madbrain
Thu Nov 03, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

That's not really possible. If precleared, the aircraft arrives at a domestic gate and no one has to go through customs/immigration. If no preclearance available, the aircraft arrives at an international arrivals gate and everyone has to go through customs/immigration. There is no way they can do p...
by madbrain
Thu Nov 03, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

Actually, you don't always clear customs in Canada. I flew Porter from Toronto to Chicago and customs is cleared in Chicago. Were you using Global entry ? The pre-clearance might be only for known travelers - ie. Global entry members. Other travelers would clear customs upon landing in the US as us...
by madbrain
Thu Nov 03, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

I just had that experience in Toronto in July. Perhaps you're overlooking the fact that I'm specifically talking about Canadian airports where you clear US Customs in Canada *prior* to boarding the plane. Indeed. There was no kiosk in the departure area where we were. There was a manned line for GE...
by madbrain
Thu Nov 03, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

You can clear Customs without your GE card. However, you will not be allowed to use the expedited GE line (similar to Pre-Check in the States). -Steph I don't think this is correct. All you need is your passport to use the Global Entry kiosks and expedited line at airports. From https://www.cbp.gov...
by madbrain
Thu Nov 03, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

IIRC I have seen reports that Chase will refund that fee in at least some instances. Give them a call or send an SM and ask. I don't think they (Chase) will refund a fee charged on the Amex card :) In some instances, Chase did refund the fee when the CSR user hadn't received the PP card yet and pai...
by madbrain
Thu Oct 27, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

As it stands, you can redeem the $300 travel credit twice. Once during the 1st calendar year you have the card and again on the 2nd calendar year. I wouldn't be surprised if Chase decides to close up this loophole in the future. I doubt they will. Most other cards with an annual benefit per calenda...
by madbrain
Wed Oct 26, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

Seems like a limited list of partners for point transfer. No American, no Delta, no Hilton. I mostly fly American and am a Hilton Honors member so not sure if the point transfers will help me. I also do have Marriott Rewards but sounds like not the best place to transfer point to You can transfer t...
by madbrain
Wed Oct 26, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Adding girlfriend under employer's health insurance plan
Replies: 26
Views: 2872

Re: Adding girlfriend under employer's health insurance plan

Again very helpful! I am checking with them how much the incremental cost will be to add my partner. However if I understand you correctly, I will owe taxes only on my partner's incremental cost, and not what my coverage costs to the employer, right? No - as I explained, you will be taxed on the fu...
by madbrain
Wed Oct 26, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

Sorry, I've taken 5 international trips this year and a handful of domestic ones and that hasn't been the case for me. Maybe its because I don't bother with business class but maybe that so called 'consensus' is mistaken. +1 I am taking an international trip to 4 different countries next month. I'm...
by madbrain
Tue Oct 25, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

So I don't understood this thread. Is this a good card to keep and pay the recurring monthly fees, or collect and then dump? I would say no. I won't pay a $450 annual fee unless I am using $450 in benefits. You get the $300 travel credit. It applies to a lot of things (like public transportation an...
by madbrain
Tue Oct 25, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24982

Re: Chase Sapphire Reserve: Too good to be (completely) true

I have booked travel with my Reserve points and redeemed at 1.5 cpp. It is true that the UR portal does not always have be best prices. You still have to shop around. So far, I have only used by UR points when UR had the best prices, which was on coach flights to Asia with China Eastern. UR portal a...
by madbrain
Tue Oct 25, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dream house sold yesterday :(
Replies: 41
Views: 6951

Re: Dream house sold yesterday :(

Why did you wait to get the green light from the bank ? Usually, you make an offer with a finance contingency if you want the property. Didn't your realtor tell you that ? I don't know where the OP was, but it looks like you're in San Jose. When I was selling my home in the mid-Peninsula area, I sp...
by madbrain
Tue Oct 25, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Adding girlfriend under employer's health insurance plan
Replies: 26
Views: 2872

Re: Adding girlfriend under employer's health insurance plan

Anything that we should look out for? You need to be sure to know what the rules are if the relationship ends. For example if you break up and she is still on the insurance a couple of months later then the may be some question of the insurance will cover her if she has a large expense. People have...
by madbrain
Tue Oct 25, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?
Replies: 15
Views: 1765

Re: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?

In Bangkok you should have no trouble finding an inexpensive one.
by madbrain
Tue Oct 25, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Adding girlfriend under employer's health insurance plan
Replies: 26
Views: 2872

Re: Adding girlfriend under employer's health insurance plan

I need to get this clear. Are you saying that if you were of the same sex, it would be OK, but not if of the opposite sex? This seems almost implausible to me. How can this possibly be? California registered domestic partnerships are only allowed for same-sex couples, or opposite sex couples over a...
by madbrain
Tue Oct 25, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Adding girlfriend under employer's health insurance plan
Replies: 26
Views: 2872

Re: Adding girlfriend under employer's health insurance plan

Speaking as someone who had employer coverage a (same-sex) domestic partner in California, I can give you the following advice : When you are not in a legally registered domestic partnership in CA, or marriage, the imputed income will be fully taxable by both the state and federal government. Not ju...
by madbrain
Tue Oct 25, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Dream house sold yesterday :(
Replies: 41
Views: 6951

Re: Dream house sold yesterday :(

Why did you wait to get the green light from the bank ? Usually, you make an offer with a finance contingency if you want the property. Didn't your realtor tell you that ? As far as why the realtor was steering you away, check if there was a reduced commission rate on this particular listing - that ...
by madbrain
Mon Oct 24, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 561187

Re: What Movie Have You Recently Watched?

Denial. About the Holocaust. Pretty good movie , and good acting !

Ouija : origin of evil. Very stupid horror movie. But I guess I repeat myself.

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