Search found 503 matches

by verbose
Fri Nov 17, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 45
Views: 3576

Re: Car shopping tomorrow

I just bought a 2018 Civic Hatchback. I wanted Sensing but it was hard to find without moving up to a higher trim (the Navi trim that comes with satellite navigation and leather seats). There isn’t a lot of Civic hatchback inventory and they move fast. In my area, the 2017 Hatchbacks are almost gone...
by verbose
Sat Nov 11, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 779

Re: Various HSA Questions

Just make sure your spouse does not enroll in a general purpose FSA. Almost all FSA plans provide coverage for a spouse. It does not matter whether it is used to reimburse your expenses or not. If you are covered under your spouse's FSA you become an ineligible individual and can not contribute a p...
by verbose
Fri Nov 10, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 779

Re: Various HSA Questions

Yes I will have family HDHP for self + children. The HSA that will be opened in 2018 will be under my name. My spouse will have PPO for himself only with his employer.

Thank you for the responses. I understand it now.
by verbose
Fri Nov 10, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 779

Various HSA Questions

I will have an HSA in 2018, the first time I am eligible to have one. I’ve read numerous threads on HSA accounts and record keeping, and yet I have a few questions those threads didn’t answer. The HSA is in my name for family coverage (myself plus kids). Megacorp won’t cover my husband because he ha...
by verbose
Tue Nov 07, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 615

Re: UTMA: Trying to Make it Hassle-Free

I had to start filing tax returns for my daughter’s UTMA in 2009. I moved her account to another custodian in early 2009 to align with other investment accounts and realized a large loss (it was 2009, remember). So I carried forward a long-term capital loss until there was a capital gain to offset i...
by verbose
Mon Nov 06, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

The dishonest dealership said they are going to mail me a check for my deposit today. The person who told me that was looking to the side as he said it. So I don’t know what’s true but I acted like I believed it. I’ll give it a week. I would never give a dealership a deposit (especially $1,000) unl...
by verbose
Mon Nov 06, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

The dishonest dealership said they are going to mail me a check for my deposit today. The person who told me that was looking to the side as he said it. So I don’t know what’s true but I acted like I believed it. I’ll give it a week.
by verbose
Sun Nov 05, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

So I bought a car, similar but not quite what I wanted, from a Honda dealer's inventory on Friday. This was a dealer I hadn't dealt with before. Everything was so reasonable. They did explain why I couldn't find the car I wanted--they just weren't made that way for inventory but I could order one at...
by verbose
Thu Nov 02, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

I did not go there last night. I shifted gears and thought about other things and enjoyed an evening at home. When I am fully calm, I will reassess the situation. And you are right about the $1000. I did have a long timeframe to buy a car but that’s no longer true. Since Honda doesn’t actually make ...
by verbose
Wed Nov 01, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

OP update: Apparently this car does not exist. While Honda could build the configuration I’m looking for, and one can build it on their website, they actually don’t make it. No one will say this, but it’s my conclusion. I can only get this car if I add a satellite navigation system that I don’t want...
by verbose
Wed Nov 01, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 910

Re: HDHP now available, too many choices, overwhelmed

OP: I signed up for HDHP and am contributing 2600. With company contribution of 2000, this is a total of 4600. It’s short of the max but it’s something.
by verbose
Tue Oct 31, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 6018

Re: Unable to Escape from Quicken Island ...

I used Quicken for Mac from 1993 to 2012. As you know, Quicken’s future on the Mac had been insecure for years and remains tenuous, so I jumped to Moneydance. I had to go back and forth to Quicken cleaning up some of the errors that Moneydance would not import. Those errors were data corruption on t...
by verbose
Mon Oct 30, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 910

Re: HDHP now available, too many choices, overwhelmed

PPO premium is about $3000/year. I’m new to the company. I started in June and chose PPO without looking too much because I had a lot of other stuff to deal with. This is all old-hat to other employees. Mega Corp is saving on time and this year (my first year) only giving us a recorded “webinar” to ...
by verbose
Mon Oct 30, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 910

Re: HDHP now available, too many choices, overwhelmed

What is the full deductible for Family coverage and is there a co-insurance after? If you have co-insurance, then you may have to keep paying 10% or 20% (common numbers) after you hit your deductible. You should lay out all the premiums, deductibles, co-pays and HSA contributions and the company sh...
by verbose
Mon Oct 30, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 910

Re: HDHP now available, too many choices, overwhelmed

Thank you, that hadn’t occurred to me. Just wanted to point out that you can "pay yourself back" from your HSA as funds accumulate. Early in the year, when you don't have much in the HSA but have medical expenses, you just pay them from your regular accounts (checking, CC, etc.). As money accumulate...
by verbose
Mon Oct 30, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 910

HDHP now available, too many choices, overwhelmed

For the first time, I work for an employer that has HDHP with HSA. Open enrollment is this week, and it seems to be the best choice, despite high medical usage by one family member. I have employee + children coverage. Megacorp does not allow my spouse to be covered because his employer also offers ...
by verbose
Sat Oct 14, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

In this area, http://ubs4cars.com/ is a very good service. We have used it twice for new cars. You can get/order the exact car you want and get the no hassle price, with NO "processing fee". One time, when I went to a dealer that was not contracted by them, the dealer agreed to give me the UBS pric...
by verbose
Sat Oct 14, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

Update on this situation: I’ve had a lot of pointless communications with dealers, mostly them trying to find out “when can I come in.” None of them have the car I want in stock. They all say they can find it, but then they fail to follow up on that and fall back to asking me to show up in person. S...
by verbose
Sat Oct 14, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2908

Re: Annuities - how does insurance company know you died?

Social Security Master Death File. Insurance companies, and many other companies, are integrated with this system. Just Google the stories of live people accidentally added to this system. There may be some gruesome scenarios in which the death is not recorded, but that’s not what we are discussing ...
by verbose
Tue Oct 03, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9569

Re: Senior citizens can lose everything [to professional guardians via court rulings]

This article is terrifying. I had no idea this problem existed but have been googling now and found plenty of corroborating articles, plus sites that show one how to become a “professional guardian.” I’m only middle-aged so what scares me most is the fate of my parents and in-laws. They are all over...
by verbose
Fri Sep 22, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Re: Negotiating for a new car purchase

Thanks for the help. They have my phone number now.

I will try to compose a better email. I'm looking for a Honda Civic, so it's a common vehicle and the markup on it isn't worth going too far out of the large metro area where I live.
by verbose
Fri Sep 22, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6603

Negotiating for a new car purchase

I'm ready to buy a car. I test drove one, researched it, have the money ready, no trade in and no hurry. I've been contacting dealerships but they don't give me prices. It's all "when can you come in" and leaving me voicemail while I'm working. In my state, car dealerships have very limited hours th...
by verbose
Tue Sep 05, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25309

Re: Name something you had to have and now you regret purchasing it?

Clothes that seemed to fit in the store but that I can't wear for more than 10 minutes without agony: mostly bras and shoes.
by verbose
Wed Aug 23, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Margin noob question
Replies: 19
Views: 1475

Re: Margin noob question

Margin buying power is highly regulated and very complicated. In a previous position, I worked on software code to calculate those amounts (for a different brokerage). What has been said about initial and maintenance amounts is mostly correct, but it depends what you buy and what you hold. Certain s...
by verbose
Wed Aug 23, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 24
Views: 1709

Re: Returning / Exchanging purchased items ?

I am always nervous returning items, but I do return them. I often buy clothing for kids/husband who are not with me and return it if it doesn't fit. It's easier than taking certain family members clothes shopping. I've bought the wrong thing and will return if it's unopened. I will return defective...
by verbose
Wed Aug 16, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13064

Re: Postal Service -- "informed delivery"

Thanks, but I'm not sure any of this will help. My mailbox is so small. The mail that fills it on the day it's delivered is the stack of local flyers. This stack doesn't even have an address on it. I don't think I can opt out of it. I get very little other junk mail due to opting out years ago. Actu...
by verbose
Tue Aug 15, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13064

Re: Postal Service -- "informed delivery"

I went to their site and answered my own question about why the two passport mailings didn't show up. The only mail that is included in the service (at this time) is letter-sized mail that passed through the automation equipment. Envelopes containing passport books would not go through the automatio...
by verbose
Tue Aug 15, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13064

Re: Postal Service -- "informed delivery"

I have this because my mail is a quarter mile away in a community mailroom. The service doesn't tell you about periodicals and bulk mail. If you have a small mailbox (I do), then it can still be full. If the mail carrier can't fit more mail in, your mail can be held at the post office. In addition, ...
by verbose
Mon Aug 14, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3723

Re: Public vs Private Elementary

My kids are currently in Catholic schools, one in high school and one in K-8. School choice is an intensely personal decision that depends heavily on the values of the parents and the individual child. Many of us on this board can afford school choice. We knew early that our oldest would be a bully ...
by verbose
Fri Jul 07, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2292

Re: Task management / organizing app

You might have luck searching for a GTD app (for Gettimg Things Done). You have almost exactly described that task management methodology. There's a book describing the method without tools (just a paper notepad). I use OmniFocus for iPhone, iPad and Mac. This is a suite of apps designed to implemen...
by verbose
Sat Jul 01, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard rollover into existing IRA
Replies: 2
Views: 354

Vanguard rollover into existing IRA

I'm having difficulty with Vanguard's web site, and since it's Saturday, I wondered if anyone on this forum might know the answer. If not, I'll wait until Monday and call Vanguard. I'm trying to rollover a 401k (not Roth) into my existing traditional IRA account at Vanguard. However, I seem to have ...
by verbose
Fri Jun 30, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 3092

Re: Buying a dishwasher

I am fed up with my dishwasher, a mid-line GE from 2007. I have to pre-wash the dishes and unclog the spray arms regularly and buy special detergent and it still doesn't get the dishes clean. Now it doesn't dry anymore. I suspect I can repair some parts of it, but why? I've resisted buying a new dis...
by verbose
Fri Jun 30, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 3092

Re: Buying a dishwasher

Ten years pre-dates the removal of phosphates from dishwasher detergents. That happened in 2010. All detergents were quietly "new and improved." My dishwasher stopped cleaning dishes at that time. I've been extending the dishwasher's usefulness by buying Bubble Bandit dishwasher detergent from Amazo...
by verbose
Thu Jun 15, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary designations for trust
Replies: 15
Views: 1335

Re: Beneficiary designations for trust

The specific language I printed here is for beneficiaries of life insurance. The attorney was very specific. There is other language for ownership. It does appear to be a living trust. I'm not sure what I should have done but we needed something to hold assets of we both are deceased while one or mo...
by verbose
Wed Jun 14, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary designations for trust
Replies: 15
Views: 1335

Beneficiary designations for trust

We had estate documents done a few years ago in Missouri. There is a trust set up to avoid probate and provide for our minor children in the event of both of our deaths. I've been having problems making the trust the beneficiary of various investment accounts and life insurance policies, largely bec...
by verbose
Mon May 15, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Signed contract to build new home - now what?
Replies: 17
Views: 1301

Re: Signed contract to build new home - now what?

I guess the advantage with the OPs method is that you can walk away at little cost if you choose to renege on the purchase, depending on what is stated in the contract. We live in a large new-home development. We initially signed a contract contingent on the sale of our home and our ability to obta...
by verbose
Wed May 03, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 5316

Re: Banking in Marriage

We will have very little disposable income at first, so we will have to be watching it closely. This is a good argument for joint accounts. It's easier to watch one joint checking account than to juggle multiple low-balance accounts. My husband and I were married young and always had joint accounts...
by verbose
Wed May 03, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Most "technologically savvy" bank?
Replies: 32
Views: 3664

Re: Most "technologically savvy" bank?

I recently switched my primary bank due to the aging technology of my previous bank. Of course, these banks are regional. My previous bank, Commerce (Kansas/Missouri), had a website that hadn't changed in about a decade, an iPhone app that was horrid, and unavoidable fees for mobile deposit. The iPh...
by verbose
Tue Apr 25, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Help with Windows 10 automatic updates
Replies: 5
Views: 508

Re: Help with Windows 10 automatic updates

We cannot leave the laptop on all the time. When not in use, it's stored in its bag in a locked file cabinet. The room it lives in is used by multiple groups and it's not secure for leaving the computer out. We have nowhere for it to be while it's on but unattended.
by verbose
Tue Apr 25, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Help with Windows 10 automatic updates
Replies: 5
Views: 508

Help with Windows 10 automatic updates

I'm not sure if Bogleheads is the right forum for this, but if you know any Windows forum that will respond with useful advice, that would be appreciated. My church has a Windows laptop running Windows 10 Home and the automatic updates are a serious problem. I'm the tech support for this laptop, so ...
by verbose
Tue Apr 18, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 1601

Re: Droopy sun-visor on honda civic

Certain Honda Civics had sun visors recalled. Check to see if you can get a free fix from your local Honda dealer.
by verbose
Fri Apr 14, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5205

Re: Car Breaks Down on Long Road Trip

We've had this happen twice (two different cars, years apart). First time, tire blow-out in the middle of rural Illinois in sight of nothing but highway and fields. We didn't even know where we were (pre-smart phone era). The wrench included with the van bent and we couldn't get the lug nuts off. We...
by verbose
Mon Apr 03, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Reminder: Keep an eye out for false credit card charges
Replies: 21
Views: 2258

Re: Reminder: Keep an eye out for false credit card charges

United Way of Youngstown and the Mahoning Valley

https://www.ymvunitedway.org

Yes, this is an odd theft--giving stolen money to charity. Could be a typo credit card number? You'll probably never know.
by verbose
Mon Mar 20, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 21519

Re: gratuitous homeownership items

We had our house built and the following are frequently-used and NOT gratuitous: - Jetted tub in master bath, used daily - Formal dining room, so many memories here of parties and special family dinners - Gas fireplace, the cats love it more than anyone else, it doesn't heat the house, but it's a pi...
by verbose
Fri Mar 10, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

Re: wife in car accident - next steps?

We have $12.5k in emergency fund but I really don't want to dip into that. This scenario qualifies as an emergency. It's exactly why you have the emergency fund. If you roll the $4k into another car (not even sure if that's possible), then you are driving another upside-down car. Unlike homes, car ...
by verbose
Thu Mar 09, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 9103

Re: 2017 Honda Civic not recommended by Consumer reports

In my experience, even when a Honda has issues, they stand behind their product often extending warranties, issuing technical bulletins and the like. They do. My 2008 Civic has had two issues that were not expected maintenance items: the sun visor split and the engine block leaked coolant. Honda fi...
by verbose
Tue Mar 07, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4972

Re: Dispute with neighborhood association

I had no luck with my HOA when something similar happened to me. I mailed the HOA a check to their designated payment address on-time but they reported that they never received it. Obviously, I have no idea at which point this letter was lost as the check never surfaced. I had assumed that they were...
by verbose
Sun Mar 05, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4539

Re: Where do you order checks from?

I write at least 10 checks a month for various reasons. So saving money on checks is important to me and I usually buy 4 boxes of checks at a time. Recently I shopped for checks and I was dismayed that true price-shopping is quite difficult. The "handling fee" is not disclosed until one ha...
by verbose
Sat Feb 25, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Documentation for non-cash charitable contributions
Replies: 1
Views: 361

Documentation for non-cash charitable contributions

I'm thinking of doing a better job of documenting non-cash charitable contributions I make this year so that I can deduct them next year. We itemize deductions every year and are already deducting cash charitable contributions, which are all properly documented. However, I've been so flummoxed by ho...
by verbose
Sun Feb 19, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1826

Re: Is it worth filing an amended tax return?

My dh main concern now is that the return is not correct and the IRS will notice. It does not have any impact on our state return. It seems very unlikely the IRS will notice or care. Even when a qualified dividend is reported as such on a 1099, it might not be qualified for you. Your stock position...