Search found 1445 matches

by neilpilot
Fri Apr 20, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 28
Views: 2685

Re: Buying BRK.B to save $94 annually on insurance?

I would hunt around for cheaper insurance first. You might be able to get a better deal elsewhere, removing the need to buy the shares. +1 I just quoted 12 different insurance companies with identical coverage selected for Home & Auto. Sorry but the lizard was the highest of them all :( Of course y...
by neilpilot
Thu Apr 19, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1425

Re: Car value: old car with low mileage

I had to actually look it up. I remember my 91 Honda saying 60k miles. I don't remember the time because I put 20k miles on the car a year. The penalty for not doing it and the belt snapping is that the engine becomes scrap metal. I expect a Corolla is as easy to change as my 4 cyl, single overhead...
by neilpilot
Thu Apr 19, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 28
Views: 2685

Re: Buying BRK.B to save $94 annually on insurance?

mortalsonofmortal wrote:
Thu Apr 19, 2018 4:15 pm
I called customer support and told them I had a Berkshire share and I want a discount. They immediately applied the discount no questions asked. Never had to submit any papers.
Same here. I didn't even have to buy a share. :twisted:
by neilpilot
Thu Apr 19, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 701
Views: 56717

Re: To take or not to take delivery of Tesla 3

kchico wrote:
Thu Apr 19, 2018 2:50 pm


There is tons of positive reviews .... Poular Mechanics named car of the year.
Their car of the year in 2017 was the Chevy Bolt :)
by neilpilot
Wed Apr 18, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 10
Views: 1219

Re: MAGI and Medicare Premium

...And filing TY2017 early will not get it to SS early; the IRS does a batch dump to SS much later this year that will include all returns filed by today's deadline. In mid February, I sent a photocopy of my just-efiled 2017 Form 1040 to the SSA along with the proper SSA-44 form to document my Life...
by neilpilot
Wed Apr 18, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 10
Views: 1219

Re: MAGI and Medicare Premium

I am in the same boat: I would rather use 2017 income over 2016. My approach was to file my 2017 FORM 1040 early in hopes they will see that latest return when I apply. But my guess is they will use 2016 return, even if 2017 is available to them. Your guess is right. If you want them to look at a l...
by neilpilot
Tue Apr 17, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 138
Views: 7927

Re: BH travel tips?

Also solar powered usb charger (same size as usb charger but one side had solar cells). Charges slowly but if the sun is all you have then whatever works. pack an external battery for emergencies. These external batteries seem to be very popular. I got one as a gift but got rid of it because it was...
by neilpilot
Tue Apr 17, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 10
Views: 1219

Re: MAGI and Medicare Premium

I only glanced at Ed's link, and it may have already given you this information. In addition to the appeal form and your TY2017 return, also bring an estimate of your income and MAGI for TY2018. Also bring any documentation that substantiates your transition to part-time work such as an internal ann...
by neilpilot
Tue Apr 17, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 701
Views: 56717

Re: To take or not to take delivery of Tesla 3

Full self-driving capability is sold with the proviso that it may be some time before that option is actually enabled in the car. It should also be noted that both autopilot and FSD can be added after you take delivery of the car, but it will cost you more ($6,000 and $4,000, respectively). Many co...
by neilpilot
Tue Apr 17, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5623

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

https://www.indystar.com/story/travel/flights/todayinthesky/2018/04/16/airline-cancels-mexico-flights-tells-fliers-find-another-way-home/521587002/ Not Allegiant. Sun Country. A similar type of outfit. Weather canceled flights from Mexico to Minneapolis, which coincidently were Sun Country's last f...
by neilpilot
Mon Apr 16, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way for minor child to file taxes
Replies: 16
Views: 850

Re: Easiest way for minor child to file taxes

Will she also be under the cutoff, or be subject to self employment tax if she files? She earned $5,250 last year, I think that is under the cutoff. You maybe correct, but a quick google search shows that "you need to pay self-employment tax if your net earnings from self-employment are at least $4...
by neilpilot
Mon Apr 16, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way for minor child to file taxes
Replies: 16
Views: 850

Re: Easiest way for minor child to file taxes

Will she also be under the cutoff, or be subject to self employment tax if she files?
by neilpilot
Mon Apr 16, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5623

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

TravelGeek wrote:
Mon Apr 16, 2018 1:06 pm

New-to-them Airbus, not actually a newly built aircraft, I would think.
Their last dozen or so A320s were acquired new.
by neilpilot
Mon Apr 16, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 601

Re: Deductible Medical Expenses....

thanks guys....very helpful. I think TT was using an estimated AGI at one point, and that confused me. So, if my insurance premiums are employer-based pre-tax, I can add the cost of my contribution to the total? So my deductible amount is my med bills - ins reimbursement - my contribution to ins pr...
by neilpilot
Mon Apr 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5623

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Allegiant has been upgrading their fleet, and now MD8s are less than 1/3 of their fleet. The vast majority of their maintenance issues, as outlined by the Tampa Bay Times in 2016, were the older MD8s that have been retired. They had no A320s in their fleet back then.
by neilpilot
Mon Apr 16, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 138
Views: 7927

Re: BH travel tips?

Using some sort of shoe bag/cover helps hold in the stuff you put inside them, as well as keeps the dirt from the soles off the rest of your clothes. Here's an example of the kind I use: https://www.amazon.com/Lewis-N-Clark-Drawstring-Closures/dp/B0049B25TK Here's the shoe bag I use, except I pick ...
by neilpilot
Mon Apr 16, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 601

Re: Deductible Medical Expenses....

Turbo tax does have worksheets for this broken out by doctors, drugs, insurance premiums, mileage etc so you may as well fill them out. It may even jog your memory for other items. Only the bottom line total gets on Sched A and goes to the IRS. My guess is somewhere down the line the IRS compares t...
by neilpilot
Mon Apr 16, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5623

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

LarryAllen wrote:
Mon Apr 16, 2018 8:15 am
If the pilot is willing to fly on the plane so am I.
Well I know some pilots that I certainly wouldn't want to fly with. :mrgreen:
by neilpilot
Mon Apr 16, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3854

Re: Is it necessary to replace brake fluid on a car every 3 years?

Could you see that in the reservoir? ................. Those are reasons to take a look at the fluid in the lines. And I figure if it's been years and I bother to bleed the fluid and check the line at the pistons, most of the work was already done and I might as well finish and exchange all the bra...
by neilpilot
Mon Apr 16, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5623

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Value Jet = ValuJet. Flight 592 was downed by the way it's oxygen canisters were loaded on board by SaberTech, a contractor. Not in any way defending Allegiant or ValuJet, just pointing out that aircraft maintenance wasn't behind the 592 crash.
by neilpilot
Sun Apr 15, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 299

Re: Anti-siphon valve making noise (irrigation system)

Partially shutting off the outlet valve is an interesting idea too (is the idea that this puts some back pressure on the anti-siphon?). But the much higher flow sprinkler zones might not function very well after doing that. Anyway, I'll try that out and see if it makes a difference. Any idea if the...
by neilpilot
Sun Apr 15, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 299

Re: Anti-siphon valve making noise (irrigation system)

A backflow preventer will often chatter at very low flow rates, since it's designed to close if flow stops. Unless you can increase the flow on those drip zones, the noise will persist. Replacing it with the same spec valve will not stop the chatter. Try partially closing the BFP's discharge valve t...
by neilpilot
Sun Apr 15, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1727

Re: Spain in May end

Rhonda and the white villages is a good suggestion. There are acres and acres of sunflower farms in that area and they are in bloom near the end of May. It's a very rewarding drive. You don't need an international driving permit. I got one and never needed it - ever - I rented a car in Madrid, drov...
by neilpilot
Sun Apr 15, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1727

Re: Spain in May end

UpperNwGuy wrote:
Sun Apr 15, 2018 6:41 pm
Last fall I was able to buy an Alhambra ticket online in mid-September for a late October visit.
I was able to buy a ticket the day before, in December. Unfortunately May is likely much busier than October or December.
by neilpilot
Sun Apr 15, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3854

Re: Is it necessary to replace brake fluid on a car every 3 years?

At 36,000 miles our Toyota dealer shop recommended to change the brake fluid on our 2013 Camry, and we did it. I looked into the manufacturer's recommended maintenance guide, could not find anything. I have a NY state inspection coming and wonder what else is there to expect in dealer recommendatio...
by neilpilot
Sun Apr 15, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3854

Re: Is it necessary to replace brake fluid on a car every 3 years?

It's cheap insurance to follow the manufacturerers recommendations. However for those that don't, a quick and easy way to test is to obtain a brake fluid test kit. Anyone can do it and you can easily see if the fluid is contaminated. https://www.familyhandyman.com/automotive/car-brakes/how-to-check...
by neilpilot
Sat Apr 14, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3854

Re: Is it necessary to replace brake fluid on a car every 3 years?

I don't think I've ever done it as a routine maintenance operation, however normal car use would cause brake pad service to be required perhaps every 3-5 years. This would normally entail a fluid bleed. Now that I'm retired and putting far fewer miles on my car I'm not likely to do pad service for ...
by neilpilot
Sat Apr 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1727

Re: Spain in May end

We just put a round trip flight to Madrid from Newark on Fare Lock in early May for $600. Had to do that as flights to Lisbon, where we really wanted to go, are almost $1400. I assume you know that a Madrid-Lisbon RT in early May via EasyJet or AirEuropa is often available for $75-$140 pp. Iberia a...
by neilpilot
Sat Apr 14, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3854

Re: Is it necessary to replace brake fluid on a car every 3 years?

My Honda Accord manual tells me to replace the brake fluid every 3 years. My independent car place thought it was bogus and there was no reason to do it unless there was some kind of braking issue. They asked me if I had ever replaced it on the previous car I owned - well I don't recall ever doing ...
by neilpilot
Sat Apr 14, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: AMT can negate effect of state income & real estate deduction
Replies: 9
Views: 771

Re: AMT can negate effect of state income & real estate taxes on Fed tax

Unfortunately following topic title is too long to fit :-) "Itemized deductions of state income tax and real estate tax make almost no difference for certain range of total income because of the effect of AMT" You can edit as follows: "AMT can negate effect of state income & real estate taxes on Fe...
by neilpilot
Sat Apr 14, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 936
Views: 161437

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

kpd905 wrote:
Sat Apr 14, 2018 1:37 pm
Does anyone here have experience with the Expo offers? Do they ask you to submit proof of your attendance?
My DW and I were each able to use an Expo offer in Dec17 without any proof of attendance.
by neilpilot
Sat Apr 14, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 138
Views: 7927

Re: BH travel tips?

Travelers still buy data packages for their phones expressly to enable the use of their phone as a GPS. However, if you pre-load the map(s) at home or on your hotel's wifi your GPS will work just fine with data switched off.
by neilpilot
Sat Apr 14, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: AMT can negate effect of state income & real estate deduction
Replies: 9
Views: 771

Re: State income taxes paid makes no difference for FY2017 Fed Liability

OP's thread title is misleading. AMT needs to be included in the title, i.e. "State income tax paid does not make a difference for FY2017 Fed if subject to AMT". By increasing my estimated state withholding, I lowered my IRS tax liability by $800. Of course as a result I will need to pay more tax fo...
by neilpilot
Sat Apr 14, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Hollywood Beach on West Coast of FL?
Replies: 3
Views: 287

Re: Hollywood Beach on West Coast of FL?

Sandi_k wrote:
Sat Apr 14, 2018 2:57 pm
Santa Barbara.
But Santa Barbara Shores is on the East coast, in Pompano Beach.
by neilpilot
Sat Apr 14, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 138
Views: 7927

Re: BH travel tips?

Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad. Victoria I suspect that, like me, many Bogelheads are old enough to often get free TSA PreCheck from the airlines and are too cheap with their $$ and time to get Global...
by neilpilot
Sat Apr 14, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 138
Views: 7927

Re: BH travel tips?

For vacations we find home exchanging to work great. You do need to sign up for a service -- we use www.homeexchange.com but there are several others I believe. Drawback is you need to clean your house and make space in your closets, document all home services for temporary visitors (where to put o...
by neilpilot
Sun Apr 08, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 2666

Re: [Wells Fargo Visa 3% Foreign Exchange fee]

If I had a card that stapled a 3% fee overseas, I would avoid using it unless I really needed to. I always go to WF to exchange currency before I travel to avoid high fees at the airports and ATMs overseas. I have a Bank of America Visa that does not charge me when I make international purchases. H...
by neilpilot
Sun Apr 08, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6310

Re: Want/need some income in semi-retirement

There also seems to be a need for providing transportation (without medical need) to medical appointments, dialysis, etc. I plan to investigate that as well. Could be a flexible schedule Consider if your existing liability coverage (auto & umbrella) will cover you, weather you use your own auto or ...
by neilpilot
Sat Apr 07, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2651

Re: GEICO rate increase: 49% annualized?!

I have also been quote home and auto together as I believe that results in the lowest over all yearly cost for the two products. One company may have lower auto but higher home etc... However everyone was a lower rate when combined then with just the individual policies... When I shopped (all my co...
by neilpilot
Sat Apr 07, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3492

Re: Am I Crazy???

Way back in the late 70s, early 80s I helped my then CPA brother-in-law during tax season. This was before individuals used PCs and internet to complete tax forms. I remember a client who had a $6-8k refund, and advised him to lower his withholding. At that point bank CD interest was 7-10% and mortg...
by neilpilot
Sat Apr 07, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1171

Re: Car sideview mirror

Sometimes, an independent repair place can get a lower cost if you do not need 100% color match. That happened on a Mazda I previously owned and the side mirror had to be replaced. Very close match - but not 100% BTW don't make the mistake of installing a replacement window and then planning to pai...
by neilpilot
Sat Apr 07, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1171

Re: Car sideview mirror

Depending on what needs replacing looks like about $225 for parts (sub assembly and outer mirror cover) only from Toyota, based on a 2013 Corrolla. Insert your exact vehicle info with vin into the Toyota Parts lookup to get more accurate pricing. https://parts.toyota.com/p/Toyota_2013_Corolla-STAND...
by neilpilot
Sat Apr 07, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1171

Re: Car sideview mirror

year/make/model of car makes a huge difference in fixing an item like this. W/out that info its hard to comment. is it manual or electric....also important to know to give an informed opinion on it. Totally agree. DW's driver side mirror was damaged and needed replacement; just the mirror, not the ...
by neilpilot
Fri Apr 06, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6088

Re: Are we in bear territory?

We've had many days of over 100 point drops, so I doubt a 20 point drop is the criteria.

The traditional definition of a bear market occurs when prices drop 20 percent or more from their 52-week high.
by neilpilot
Fri Apr 06, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 853

Re: How to re-wire an antique lamp

I don't consider a lamp from the 1970s is an antique, just old. While some lamp rewiring can be a challenge, in general it's very easy. If you take it to a lamp shop it shouldn't be too expensive, but maybe just find a friend whose a bit more handy and DIY.
by neilpilot
Thu Apr 05, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or sweep to settlement account
Replies: 38
Views: 4673

Re: Reinvest dividends or sweep to settlement account

One other difference that I don't think has been mentioned. In most cases the auto reinvest option will occur commission free, whereas an investment from your settlement fund may incur commission.
by neilpilot
Thu Apr 05, 2018 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation multiple accounts.
Replies: 9
Views: 666

Re: Asset Allocation multiple accounts.

Not difficult. Determine the asset allocation of each bond fund, and then construct an excel spreadsheet with a line for each holding in each account. A simple exercise that will allow you to determine existing asset allocation across each account and also for the overall portfolio. Or you can use o...
by neilpilot
Wed Apr 04, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3286

Re: Cleaning up new house before move in—getting rid of “cat smell”

FlyAF wrote:
Wed Apr 04, 2018 9:40 am
I love the 20+ posts telling you to remove / replace all the carpet. Do you guys even read the thread?
There are only 10 recommendations to replace the carpet. How did you come up with 20+. Didn't you read the thread? :D
by neilpilot
Tue Apr 03, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 1970

Re: Escaping TD Ameritrade

Curious to know what your ME customer service gripes are. I moved my account from TDA to ME a month ago and haven't had any issues. The commission-free trades (Preferred Rewards) and the $1000 transfer bonus made it a no-brainer. While there have been other minor issues, my main gripe is our issue ...
by neilpilot
Tue Apr 03, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 1970

Re: Escaping TD Ameritrade

After being with Scottrade since 2015, I'm now with TDA. While I haven't spent much time on their web site, I can say that I much prefer their IOS app to what I had with Scottrade. I also moved some assets to ME at the beginning of the year, just prior to the switch to TDA. I'm less impressed with M...