Search found 1918 matches

by neilpilot
Sat Dec 15, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 24
Views: 766

Re: How much do you pay for internet only?

Using a former employer's discount, Comcast Performance (60 Mbps) costs $33/mo, including all tax and fees. I own my own modem.
by neilpilot
Sat Dec 15, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 9
Views: 322

Re: Annoyingly Expensive HP Ink Cartridges

boglebrain wrote:
Sat Dec 15, 2018 10:55 am
Refill the HP brand ones at Costco
At twice the price, I doubt that Costco refills are any better than purchasing them mail order. But I do realize that many Bogelheads are in love with Costco, so maybe it's a good alternative.
by neilpilot
Sat Dec 15, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 9
Views: 322

Re: Annoyingly Expensive HP Ink Cartridges

I use the same cartridge, and have been buying "re-manufactured" cartridges for years. I generally buy a set that includes 3 back and 2 each of the other colors for under $50, or less than $6 per cartridge. They seem to last just about as long as the real HPs and I can't tell the difference in print...
by neilpilot
Fri Dec 14, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals at age 70
Replies: 24
Views: 1405

Re: IRA Withdrawals at age 70

From Bankrate.com: Eventually, you have to take out at least minimum amounts, known as required minimum distributions, or RMDs, from your account once you reach age 70 1/2. Technically, that means the IRA money must start coming out in specific increments no later than April 1 following the year yo...
by neilpilot
Fri Dec 14, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion No Brainer?
Replies: 34
Views: 1395

Re: Roth Conversion No Brainer?

As other's have indicated, it's a no brainer. Unless you plan on taking taxes out of the tIRA conversion funds, in which case your tax free Roth growth will be reduced going forward. Pay the tax bill with after tax money.
by neilpilot
Wed Dec 12, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Not accepting Medicare benefits
Replies: 24
Views: 4053

Re: Not accepting Medicare benefits

If I'm understanding your case correctly, it sounds like you'll be paying roughly the same monthly Medicare premium (including IRMAA) as your current high deductible plan. But I think that your out-of-pocket expense will likely be lower under Medicare than under your current insurance, especially i...
by neilpilot
Tue Dec 11, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation between Roth and 401(k)
Replies: 5
Views: 340

Re: Asset allocation between Roth and 401(k)

Bonds in pre-tax, stocks in Roth. Stocks have a higher expected return than bonds, therefore your expected RMDs would be higher if you put stocks in pre-tax. True but in no way answers the OP's question. While my initial reaction says the AA allocation should be the same, since the ROTH is likely a...
by neilpilot
Tue Dec 11, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: hotel booking
Replies: 14
Views: 914

Re: hotel booking

You can always grab the free cancellation rate now and then put a reminder in your calendar to check back closer to the date and cancel/re-book if advantageous. In this case, you can always opt into the no-cancellation rate closer to the date of travel if that’s the better option at that point. Of ...
by neilpilot
Sun Dec 09, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4031

Re: Rental Car Damage Issue

I have rental coverage on my auto policy which only costs a few dollars every 6 months. Fortunately, I have never had to use it. You have full value coverage for a few dollars a month? Loss of use? No deductible? The "rental coverage" I'm familiar with on an auto policy is to pay for a rental car i...
by neilpilot
Sat Dec 08, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4031

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right. I pay $19.95 for car rental property damage coverag...
by neilpilot
Sat Dec 08, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: TLH when not itemizing
Replies: 6
Views: 803

Re: TLH when not itemizing

correct
by neilpilot
Thu Dec 06, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6907

Re: Retiring in 2 weeks, Traditional 401k

Next we can transfer to their IRA which again will not have any fees as long as there is a minimum 10k in this account. There is no fee for distributions and also they do not withhold any tax. Of course there's also the option of transferring the 401k into a tIRA at another firm other than T Rowe P...
by neilpilot
Thu Dec 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6907

Re: Retiring in 2 weeks, Traditional 401k

Next we can transfer to their IRA which again will not have any fees as long as there is a minimum 10k in this account. There is no fee for distributions and also they do not withhold any tax. Of course there's also the option of transferring the 401k into a tIRA at another firm other than T Rowe P...
by neilpilot
Thu Dec 06, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1356

Re: ETFs vs Mutual Funds in Retirement Accounts

If you later decide to transfer assets in kind to an account at a different broker, ETFs might be easier to transfer. For example, if you decide to transfer your assets from Vanguard to TD Ameritrade or Merrill Edge for improved customer service or a new account bonus.
by neilpilot
Thu Dec 06, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment and being sick
Replies: 4
Views: 624

Re: Unemployment and being sick

It maybe state specific, but in all of the states I'm familiar with (AR, TN, SC, VA, NJ) you can only collect unemployment if you are ready and able to work. If she's too sick to work, then she's disqualified.
by neilpilot
Tue Dec 04, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: .28 cents in my IRA account after backdoor Roth
Replies: 14
Views: 1562

Re: .28 cents in my IRA account after backdoor Roth

pdavi21 wrote:
Mon Dec 03, 2018 10:55 pm

EDIT: You will also be taxed on any profits from the .28 cents when you rollover next time.
OP would need to show well in excess of a 10,000% profit to get to a $1 balance, even rounding up.
by neilpilot
Mon Dec 03, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Comparing Medicare Part D Plans
Replies: 8
Views: 663

Re: Comparing Medicare Part D Plans

Check which plans offer automatic Rx renewals with your doctor. Check which plans offer 90 day Rx mail order pharmacies vs. or in addition to local brick and mortar drug stores. Sometimes the mail order plans are a lot cheaper. Check your friends to see what plans they have and if they have had any...
by neilpilot
Sun Dec 02, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Is this how early semi-retiring work?
Replies: 13
Views: 2524

Re: Is this how early semi-retiring work?

Say I accumulate to a certain age and semi-retire early (work less and more desired job regardless of little pay - assume it's just any random hourly rate job, but not a professional JOB). At that point, accumulation slows down drastically. I save little but with a low overhead lifestyle (and fruga...
by neilpilot
Sat Dec 01, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4048

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

hmm..interesting. now i'm starting to wonder if the check engine light bulb has maybe burned out our something. in other words we maybe WERE driving with the check engine light on but it wasn't "on" because the check engine light bulb had burned out...? We had to replace the bulbs in the headlights...
by neilpilot
Sat Dec 01, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10352

Re: Why is Costco gas so much cheaper

Today in Memphis Costco regular is $1.89/gal. When I bought gas at my nearby BP yesterday it was $1.94.

The highest price in Memphis is about $2.69, but why compare Costco to the top price?
by neilpilot
Fri Nov 30, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Law - Investment Strategy Changes
Replies: 1
Views: 305

Re: 2018 Tax Law - Investment Strategy Changes

Is anyone making any investment strategy changes due to a change in your tax situation as a result of the new tax law? Our taxable income and marginal tax bracket (15% to 22% federal) are going up as a result (although taxes owed will go down), because we lose the $16k of exemptions. I think that I...
by neilpilot
Fri Nov 30, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4048

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Assuming no information other than the OP's postings and a vehicle in decent condition, I'd op to have it towed from the dealer to a competent indy mechanic for evaluation prior to the scrap or repair decision.
by neilpilot
Thu Nov 29, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2020

Re: Buying with no interest

For these types of purchases, I typically use my credit card to get the points/cashback and then pay it off when it comes due. I hate having payments, so I very rarely finance things if I can help it. +1 Also if it's a large purchase I sometimes ask if there's a discount if I pay now rather than ta...
by neilpilot
Wed Nov 28, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Changing coolant on 2012 CR-V
Replies: 20
Views: 1005

Re: Changing coolant on 2012 CR-V

Based on the DIY comments I am now thinking of doing it myself. No comments in regards to flushing the system. Just curious as to whether flushing the system is necessary and if so how difficult is it. I don't know about your car, but many designs will retain a very large percentage of the old cool...
by neilpilot
Wed Nov 28, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5792

Re: List of costs that go away/decrease and increase/appear in retirement

Silver Sneakers for free health club membership with certain Medicare plans, swim for free. Watch out with that free Silver Sneakers benefit. When we shopped for our Medigap plan, we found that the provider that was bundling Silver Sneakers was the highest priced plan G. What we pay for our Medigap...
by neilpilot
Tue Nov 27, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9155

Re: Networth to buy a dual turboprop aircraft?

Your half of the Mooney costs $162/hr to operate ? That sounds really high, unless the hr denominator is very small. Does that include a loan? Taj mahangar? Low hour/basic certificate so crazy insurance? Probably isn't, depending on circumstances. Airport near me charges over 700/mo for cruddy T-ha...
by neilpilot
Tue Nov 27, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1651

Re: Any Refrigerator Repair Specialists in the House?

When I had that happen, the evaporator fan had gone out. About 40 bucks of parts and half an hour or so of work to fix. I'd also check the defrost timer. Ditto. My fan motor went out in my freezer. Also a side by side so the freezer portion goes from floor to ceiling. The technician knew immediatel...
by neilpilot
Mon Nov 26, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9155

Re: Networth to buy a dual turboprop aircraft?

You can buy and maintain an aircraft for less than many (most?) people spend on automobiles. Buy a used twin or single engine piston for less than most new autos, maybe. Maintain (or operate) for less than most autos, extremely doubtful. You can find more obscure planes for around $10,000; old Cess...
by neilpilot
Mon Nov 26, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4927

Re: When is Too Long to Return a Hair Dryer to Costco?

I returned a camera security system that I had for six years (unopened - forgot we bought it and found it while I was cleaning out the attic) to Costco for a full refund yesterday. I was super surprised since its considered electronics and they only have a 90 day return policy on these type of item...
by neilpilot
Sun Nov 25, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best tax software for me
Replies: 4
Views: 609

Re: Best tax software for me

RickBoglehead wrote:
Sun Nov 25, 2018 8:30 am
TurboTax (cd/download) would allow you to file multiple federal and state returns, but you have to pick the same state for each. Since NY is easy to do on paper, do it that way - but check to see if the state offers free online filing.
As will H&R Block
by neilpilot
Sun Nov 25, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Replacing TPMS stem/kit when replacing tires?
Replies: 16
Views: 1275

Re: Replacing TPMS stem/kit when replacing tires?

Some of these comments were repeated above, but thought I'd consolidate some of my thoughts rather than reply individually. I have a 2008 Saturn VUE that I bought new, and it's been a great low maintenance car that's currently at 155k miles. In 2014 at just shy of 100k I had supious TPMS alters that...
by neilpilot
Sun Nov 25, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9155

Re: Networth to buy a dual turboprop aircraft?

You can buy and maintain an aircraft for less than many (most?) people spend on automobiles. Buy a used twin or single engine piston for less than most new autos, maybe. Maintain (or operate) for less than most autos, extremely doubtful. You can find more obscure planes for around $10,000; old Cess...
by neilpilot
Sat Nov 24, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9155

Re: Networth to buy a dual turboprop aircraft?

Bastiat wrote:
Sat Nov 24, 2018 3:02 am


You can buy and maintain an aircraft for less than many (most?) people spend on automobiles.
Buy a used twin or single engine piston for less than most new autos, maybe. Maintain (or operate) for less than most autos, extremely doubtful.
by neilpilot
Thu Nov 22, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3049

Re: Tiny Baby Spiders on my Toaster

google "yellow Araneus diadematus", check out the photos, and report back.
by neilpilot
Thu Nov 22, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: What is the true expense of buying an ETF vs a mutual fund?
Replies: 20
Views: 2407

Re: What is the true expense of buying an ETF vs a mutual fund?

jeffyscott wrote:
Thu Nov 22, 2018 10:08 am
Mutual funds are more convenient and simpler to use and understand.
Funny that I'd say the same about ETFs
by neilpilot
Wed Nov 21, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 727
Views: 107846

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Not ALL CRV owners have this problem.....I have a 2017 Touring with 19K miles with no problem....I check the oil level at each fill up.... I am in the Philadelphia area. Now that made this statement let's hope it does not start :annoyed It's best not to check oil immediately after you shutdown your...
by neilpilot
Wed Nov 21, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: ROTH withdrawal rule clarification needed
Replies: 10
Views: 851

Re: ROTH withdrawal rule clarification needed

But you do need the 5 years from your first Roth contribution to be completed AS WELL AS being 59.5 for all gains in the Roth to be tax free. I have a similar situation as the OP, ie a Roth conversion account that’s 7 years old. I’m considering converting additional tIRA funds before year end. You ...
by neilpilot
Wed Nov 21, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 17
Views: 760

Re: Xfinity Mobile

We’ve had 2 lines with Xfinity for over a year, and all our months have either been below the 100mb free limit or in the under 1G range. You don’t need to tell them in advance how much data you will use.

Will Xfinity allow you to bring over your Verizon phone?
by neilpilot
Wed Nov 21, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: ROTH withdrawal rule clarification needed
Replies: 10
Views: 851

Re: ROTH withdrawal rule clarification needed

But you do need the 5 years from your first Roth contribution to be completed AS WELL AS being 59.5 for all gains in the Roth to be tax free. I have a similar situation as the OP, ie a Roth conversion account that’s 7 years old. I’m considering converting additional tIRA funds before year end. You ...
by neilpilot
Wed Nov 21, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17169

Re: Don't pay full price for SiriusXM radio

Don't forget that the Thanksgiving free trial for XM/Sirius is now in effect. Everyone gets free Sirius for the next week or so. (Most channels, not all). So you can put off renewing until the trial ends. If your current trial is ending and you “put off renewing until the trial ends” you will be in...
by neilpilot
Mon Nov 19, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18330

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Pixafari wrote:
Mon Nov 19, 2018 8:05 am
FYI: Deluxe Federal only on CD is $17.50 on Amazon now. No state needed for FL so I just jumped.
Ordered this earlier today after I read your post. Just checked now and it's back up to $25.50.
by neilpilot
Sat Nov 17, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6423

Re: Ally just raised Online Savings accounts to 2% APY

texas lawdog wrote:
Sat Nov 17, 2018 10:24 am
Wish the Ally Money Market Account would go up - still stuck at 0.90% and has been since Jan.
I'm thinking about checking out other MMA's.
Earlier this year I moved a NP Ally CD and some other cash into Cap One MMA. It's currently earning 2%.
by neilpilot
Sat Nov 17, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17169

Re: Don't pay full price for SiriusXM radio

spitty wrote:
Sat Nov 17, 2018 7:43 am
As I mentioned a few days ago, use Best Buy prepaid cards for renewals--must call an "agent" but no cc required 8-)
The offer above specifically mentions that a credit card is required and must be on file.
by neilpilot
Fri Nov 16, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17169

Re: Don't pay full price for SiriusXM radio

They have a pretty good deal going on right now, if you are on the fence. $50 gets you 6 months of All-Access (which gets you all stations including Howard Stern), and the latest gen Echo Dot. You will need to set a reminder to cancel before the auto-renewal at 6 months though. https://www.siriusxm...
by neilpilot
Fri Nov 16, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency
Replies: 24
Views: 1031

Re: Foreign Currency

Bank ATMs at foreign airports have the current market exchange rate and don't seem to charge higher fees compared to the ATMs elsewhere in the city. Not my experience. We travel to Europe annually. Before I retired, I also had several 1-3 month assignments in England, Switzerland and China. My expe...
by neilpilot
Fri Nov 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2063

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

In May I was car shopping and decided to look at a Subaru Outback. The dealer's website offered a $50 VISA gift card for a test drive, and since I was going there anyway I signed up. I gave the paperwork to the salesman and followed up twice with the dealer. but I never received that gift card. Whi...
by neilpilot
Wed Nov 14, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 22
Views: 2047

Re: Homeowners Insurance Claim-Experiences?

pennywise wrote:
Wed Nov 14, 2018 5:14 pm
I do not want to begin repair work until/unless I know what is happening with the insurance.
What do you fear regarding the insurance delay that could possibly alter the need or type of repair?
by neilpilot
Tue Nov 13, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: cash compensation for swapped furnace and coil
Replies: 11
Views: 1333

Re: HVAC contractor swapped the furnace

You contracted for 4 ton AC unit, but receive 3 ton. While 3 ton maybe sufficient and it's not advisable to oversize your AC, there's no way we can tell you what size unit your home should require.
by neilpilot
Tue Nov 13, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2332

Re: 30" or 36" induction range for remodel?

Hi there. We recently purchased/installed our first induction range. It's a 36" Bluestar induction. It was very important for us to have turn dials instead a screen for power input. The range has been running since July. Thus far, we've been happy with the range. We received good pricing on the ran...
by neilpilot
Tue Nov 13, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 8031

Re: Customer Service with Vanguard

I've been slowly moving accounts out of Vanguard after being spooked by a few bad customer service interactions. Last thing left to go is taxable brokerage with 2 mutual funds, but I'm scared to convert them to ETFs and deal with a cost basis nightmare. I'll probably still continue using their prod...