Search found 907 matches

by Big Dog
Thu Dec 13, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Kudos to Mike (OpenSocialSecurity)
Replies: 10
Views: 1311

Re: Kudos to Mike (OpenSocialSecurity)

its more than just "good", it is an excellent tool, IMO.
by Big Dog
Tue Dec 11, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Participant Interests (Not) Aligned with Medicare Advantage Plans?
Replies: 7
Views: 510

Re: Participant Interests (Not) Aligned with Medicare Advantage Plans?

antoher positive review for Kaiser MA in Calif. As I started looking at Advantage plans I find myself thinking 'you generally dont get something for nothing...'. But there is also plenty of self-selection occurring. If you had a chronic health issue, requiring lotsa visits to medical providers, Medi...
by Big Dog
Tue Dec 11, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Not accepting Medicare benefits
Replies: 24
Views: 4051

Re: Not accepting Medicare benefits

sry, wrong thread
by Big Dog
Sat Dec 08, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3150

Re: Attic insulation-R30 to R60 worth it?

I understand the point of diminishing returns smoke, but building codes and recommendations have significantly different specs for walls and ceilings. In general, its usually much easier -- and less expensive -- to blow in/lay batts of insulation into an attic then it is to make exterior walls much ...
by Big Dog
Sat Dec 08, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3150

Re: Attic insulation-R30 to R60 worth it?

Adding more insulation beyond R25 will actually do little in added performance, think of insulation as a sponge Not a shield that blocks the transfer of heat. I think the feds disagree with you. Chicago is in Zone 5, but unless living right on the Lake front (which moderates temperatures somewhat),...
by Big Dog
Thu Dec 06, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 353
Views: 19958

Re: What are others paying for property taxes around the US?

California, 2400 sq.ft., $6k (long time owner, Prop 13). But in reality, not sure why this thread exists in isolation of other taxes (income, sales, fees, etc.). For example TX has high property taxes, but no income tax. My point is that the State government needs so much money to run, and property ...
by Big Dog
Thu Dec 06, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2287

Re: Questions to Tesla owners

I was planning on charging it couple of days a week given that I drive 60 miles a day but that is not going to work for me during the winter season. The manual (and Elon) suggests plugging in every night. Just set it to charge to 80% (or 90%) and the car will do its thing. You can also save a few e...
by Big Dog
Wed Dec 05, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mike Piper's Social Security Made Simple, oblivious investor blog and open social security mentioned on cnbc today
Replies: 8
Views: 2103

Re: Mike Piper's Social Security Made Simple, oblivious investor blog and open social security mentioned on cnbc today

another kudos to Mike, for his work as an author of a book and blog, and for the time he spends sharing his knowledge on BH.
by Big Dog
Wed Dec 05, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: HSA for 11.5 months
Replies: 4
Views: 484

Re: HSA for 11.5 months

It's my understanding that you have 11 months of HSA as Medicare will start the first of the month that you turn 65 (assuming you apply on time).
by Big Dog
Sun Dec 02, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Confused on inherited IRA RMDs ??
Replies: 7
Views: 601

Re: Confused on inherited IRA RMDs ??

Researching this for myself I found that if the original IRA owner took their rmd in the year of death the person that inherits it has to take their rmd by 12/31 of the year following the original owners death. Correct. (emphasis added) IN answer to your questions: 1) No 2) No, next year's RMD for ...
by Big Dog
Sun Dec 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 165
Views: 17887

Re: Best values at Costco? Honestly, a little disappointed...

I love Costco but wouldn't have a membership if I had to drive an hour to get there. Ditto. We have several within a few miles of the house, so it's easy in and easy out. Close location also makes the tire service worth it. Free balancing & rotation every six months, but usually a long wait. So I j...
by Big Dog
Sun Dec 02, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Draw Question
Replies: 32
Views: 2918

Re: Social Security Draw Question

We've collected since 62....at least I know that if we pass away today I have significantly more money... No doubt, but if one of you lives to 95, you will have significantly less money. That's the conundrum: money today, or longevity insurance. Mike Piper's calculator does an excellent job showing...
by Big Dog
Sat Dec 01, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10291

Re: Why is Costco gas so much cheaper

The nearest Gas station to home is Shell, and I need premium for my Lexus which is $3.44 today. Nearest Costco is 5 miles away, once a week I need to go by in that direction, so I will fill up taking no more than 2-3 miles detour. Since I was running nearly empty today I filled 2 gallons from Shell...
by Big Dog
Sat Dec 01, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2287

Re: Questions to Tesla owners

negative on separate credentials for two phones of one car. Just one e-mail account. (sorry, I've never looked in our UMC kit to see whit's in it besides a cord and some? adaptors.) perhaps this should be the complete kit? https://shop.tesla.com/us/en/product/vehicle-accessories/model-s_x_3-gen-2-mo...
by Big Dog
Sat Dec 01, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Why did the bond market lose money this year
Replies: 39
Views: 3547

Re: Why did the bond market lose money this year

If you don't want to lose money, you could always buy individual bonds.
Or settle for ~2% in a MMF, which is what I've been doing for the past few months.
by Big Dog
Sat Dec 01, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve Report: Millennials are poorer than previous generations
Replies: 17
Views: 2193

Re: Federal Reserve Report: Millennials are poorer than previous generations

Part of it was the hit they took in 09. IMO, that is almost all of it. They took a huge income hit over several years. And since income normally compounds as it grows, it could be years before they get back to where they might have been. (As an example, think of all the high paying legal jobs -- Bi...
by Big Dog
Fri Nov 30, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

I'm going to write to my state rep and complain about this. It's astounding to me that we're of only 2 states that tax HSAs, especially given how much virtue signaling the CA politicians do about providing affordable healthcare for all.
Good luck with that.
by Big Dog
Fri Nov 30, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Our SS Numbers were hacked at Health Provider
Replies: 12
Views: 1493

Re: Our SS Numbers were hacked at Health Provider

Yet CMS faces no penalties when they make the same screw-up....
Well that goes without saying. The feds (and Congress) exempt themselves from many laws.
by Big Dog
Fri Nov 30, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21719

Re: Talk me out of buying a Tesla Model 3

I am finally declaring the complete failure of the original topic for myself! You guys failed me completely to talk me out of buying Tesla Model 3. A spectacular White on White Model 3 Performance is right now sipping 4mph juice in my own garage. Trying to set up the garage door opener and home lin...
by Big Dog
Fri Nov 30, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Our SS Numbers were hacked at Health Provider
Replies: 12
Views: 1493

Re: Our SS Numbers were hacked at Health Provider

companies can be severely penalized for mis-reporting a breach. If they say that the SSN's were not available, they probably weren't.

btw: I thought that the feds had changed all Medicare beneficiaries to some alpha-numeric code (and are no longer using SSN)?
by Big Dog
Thu Nov 29, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1762

Re: HSA Help/Tax Expert Needed

I am guessing that is the problem that the single person coverage options is NOT compliant,
Correct.

The deductible is one component.
It only takes one component to disqualify per IRS.
by Big Dog
Thu Nov 29, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1762

Re: HSA Help/Tax Expert Needed

Right now the plan we have DW pays $25 a month and it has a deductible of $1,000 per person, $3,000 family. According to Insperity her HR outsourced service provider this is not a HSA and she cannot open one through her employer. And HR is correct. A couple of seconds of googling will show that an ...
by Big Dog
Wed Nov 28, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7399

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

"their" dime? That suggests that you don't understand a fundamental concept of insurance. Ok, I'll bite. Besides making money for their shareholders/owners (like any other for profit business), what is the 'fundamental concept of insurance'? And if I get drunk, run a red light, and seriously injure...
by Big Dog
Wed Nov 28, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4952

Re: So that's why 2-day shipping isn't what I expected!

this is why I canceled 'Prime' - why would I pay for two day shipping if i'm not getting two day shipping?? Been using Prime for years, but it is extremely rare when something doesn't arrive in two days. We frequently receive stuff in next day, even tho it was scheduled for two days. Of course, we ...
by Big Dog
Wed Nov 28, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3903

Re: Electricity bill should be 7% per month of home sq footage.

a really strange rule of thumb, but perhaps decent for your area. Our electric is much, much lower than 7%. But then the kids are gone and we live in SoCal with minimal ac needs. Regardless, call your Electricity company and see if they provide a home energy audit. (some utilities do this at no cost...
by Big Dog
Wed Nov 28, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7399

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

The insurance would not settle and it dragged on for two more years until he hired his own lawyer. A lot of sleepless nights during that time. Since I HATE to lose, I'd much rather an insurer drag things out (as long as its on their dime). Also Not a lot of ppl have(realize the need to get) 550k co...
by Big Dog
Tue Nov 27, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Stock or Student Loans for Grad School?
Replies: 13
Views: 686

Re: Sell Stock or Student Loans for Grad School?

can you not find a less expensive program to attend? State/public college?

Licensed counselors attend all types of colleges/programs, and not sure that an expensive private is going to give you a big leg up in job searches.
by Big Dog
Tue Nov 27, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7399

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

Yep, a family member had the same thing happen. If only he had umbrella insurance, his legal representation from insurance company would have been much better. After realizing this, he hired his own lawyer, and it did the trick. Now he tells everyone to get umbrella insurance for better lawyers in ...
by Big Dog
Tue Nov 27, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7427

Re: Employeer taking vacation days on public holidays - is this legal or normal?

There is no law that says Employers must give paid holidays off. (Many do, but it's not illegal to not offer such a benefit.)

What is her vacation allowance per year?
by Big Dog
Sun Nov 25, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Draw Question
Replies: 32
Views: 2918

Re: Social Security Draw Question

Thank you.. a very interesting calculator. What is really interesting is that it shows our best case is for me to file at 68 when I thought it was a no brainer to wait until 70. It is a minuscule difference however, as long as these hold true, I have been far underestimating what I will get in SS. ...
by Big Dog
Sun Nov 25, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or use an accountant
Replies: 14
Views: 1483

Re: Turbo Tax or use an accountant

T-Tax handles multiple states easily and prorates income & expenses across the forms. If you purchase Deluxe/Premier, you get one state. Since NY comes free regardless (NY state law prohibits online tax sw for charging to file the state), you'd only have to pay extra for IL. If you have used T-Tax b...
by Big Dog
Sun Nov 18, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1273

Re: How to pick a wifi router to replace one we rent from Cox?

had cox for years since that is what our city negotiated. Have never rent their modem/router. Have purchased separately. Any decent quality modem will work, as long as it meets the minimum requirements for cox, which are rather standard nowadays. We used to purchase at costco, most recent was Motoro...
by Big Dog
Sat Nov 17, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3054

Re: My experience with iPhone6s battery replacement

I had an extra phone, so I just used their mail-in service. Completed the paperwork online, apple sent me a mailer overnight, and I dropped it off at (UPS IIR). It went to a local SoCal address and was returned in 3 days.
by Big Dog
Thu Nov 15, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2185

Re: Did millennials really get the short straw?

the Millennials came of age during the great recession, when unemployment rose significantly. Thus, college grads had trouble finding good paying jobs with benefits. High school grads struggled to find a barista job. Instead of a strong apprentice program, trades wannabes were lucky to get a retail ...
by Big Dog
Wed Nov 14, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Time is upon us
Replies: 13
Views: 2572

Re: 2018 Tax Time is upon us

....or like most of us, one form plus (at least) two new schedules (one for Schedule D and one for foreign tax credit)
I'll remember that negative next time we have a thread about 'Why International?'. :twisted:
by Big Dog
Tue Nov 13, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Morningstar downgrades several Vanguard funds
Replies: 14
Views: 3208

Re: Morningstar downgrades several Vanguard funds

any idea on why they downgraded teh bond funds? Right now, they are beating the index that shows up on the Vanguard site.
by Big Dog
Tue Nov 13, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2363

Re: Anyone with an Audi A3, Sport hatchback e-tron?

And note that in California, gas is very close to (or over) $4 per gallon, depending on grade. My current car gets 21 mpg, with supreme gas. The UXh is rated at 36 mpg, and uses regular unleaded, 87 octane. 25,000/21 mpg = 1190 gallons purchased, at $4 per gallon for premium. That's $4762 per year....
by Big Dog
Tue Nov 13, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for a new iPhone xr ?
Replies: 7
Views: 673

Re: Is this a good deal for a new iPhone xr ?

you can get the almost same deal direct for Verizon. The only advantage to Costco is the $30 gift card (and their generous return policy).
by Big Dog
Tue Nov 13, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2363

Re: Anyone with an Audi A3, Sport hatchback e-tron?

But I *also* want range for the long weekend trips we have, which means an all-EV won't work. Tesla fits that bill (with supercharging). But you've made clear that you don't want an EV. My question is really, why do you want a hybrid, unless you get a car pool sticker? The savings in gas is minuscu...
by Big Dog
Sun Nov 11, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 177
Views: 23810

Re: IRS publishes draft 2018 1040 - Huge changes made

It costs to file electronically unless you are poor. So unless they provide a free application I will file on paper.
I use T-Tax Deluxe and use the 'free' federal filing. However, I still print and snail mail my state return. ~$0.95 stamps usually works.
by Big Dog
Sun Nov 11, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1262

Re: Kids Inheritance - Lump Sum or SWR?

my kids are nearing 30, so they get it immediately. But no will/trust as all assets, including home, will be in ToD/PoD.
by Big Dog
Sat Nov 10, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5135

Re: USAA getting out of mutual fund biz

Seems like USAA is doing the membership a favor by getting out of a business they really aren't that competitive in anymore. They haven't been competitive for years. I'm a big fan of the company, and have been a member for (next month) 40 years, but now only for insurances. Used to have the USAA cr...
by Big Dog
Sat Nov 10, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Stop paying on life insurance policy?
Replies: 33
Views: 2529

Re: Stop paying on life insurance policy?

I'd keep paying it until the end of 20 years and then reassess the need for life insurance. If something does happen to you, the insurance easily pays off the mortgage and the rest goes to your heirs.
by Big Dog
Fri Nov 09, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 864

Re: Appealing Insurance Dental Claim Decision

The insurance company Paid a total of 110 for her cleaning, xrays, etc. based on their fee schedule. The cleaning itself was paid for at $50.
Does she have a $50 deductible, i.e., preventive is paid at 100% for out of network after satisfying the deductible?
by Big Dog
Fri Nov 09, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1584

Re: Group life insurance through work

^^sorry, I meant to write, if 'you are young and healthy...' a private term plan is usually a better deal. There are literally dozens of insurers available on the web all fighting for that business (with the hopes of upset later?). In contrast, the employer group plan HAS to take all-comers, healthy...
by Big Dog
Fri Nov 09, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2363

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Not seeing much advantage of this hybrid. Only a 20 mile electric range between charges, but you drive 25k miles per year, so you'll be on gas the vast majority of time....
by Big Dog
Thu Nov 08, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 24967

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Just posting to note that Big Dog shared the relevant inputs via PM for privacy's sake, and the issue has been resolved.
Props to Oblvious for his prompt attention. :thumbsup