Search found 1731 matches

by neilpilot
Thu Aug 16, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Terminating an employee with company car
Replies: 52
Views: 3995

Re: Terminating an employee with company car

Employee kept a log of personal miles and our accountant helped him keep it square on taxes. What were the business miles? Even getting to the office is not considered business miles (generally). They are commute miles. Back in the 80s I worked for a company that was British old school, and provide...
by neilpilot
Thu Aug 16, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 43
Views: 2255

Re: Celebrating the day you retired

That was how I celebrated the day I retired. I am still celebrating although the factory has since closed. Thank God, I wasn't there when it happened. About 6 months after I retired, the company announced the closure of the manufacturing process I formerly managed. A few months later, they asked if...
by neilpilot
Thu Aug 16, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 40
Views: 1099

Re: Mail order pharmacy

I think this is a common option; so does my Aetna Part D plan. Also, many posters seem to think that 90 day meds are only an option if you mail order. I have my doctor send electronic prescriptions for my maintenance medications to Kroger pharmacy, and they are usually available for pickup in 24-36...
by neilpilot
Thu Aug 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 40
Views: 1099

Re: Mail order pharmacy

Humana allows you to reorder your 90 day meds after two months from your initial fill. So does our Kaiser plan. Makes it very, very convenient. I think this is a common option; so does my Aetna Part D plan. Also, many posters seem to think that 90 day meds are only an option if you mail order. I ha...
by neilpilot
Thu Aug 16, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 40
Views: 1099

Re: Mail order pharmacy

Now that I have to take meds every day, it would be nice to have them mailed to my house. My cat also has daily meds to take. If I could find a good mail order pharmacy it would save me standing in line every month. Can you suggest a good mail order pharmacy? When I considered mail order it was act...
by neilpilot
Wed Aug 15, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2099

Re: Travel over thanksgiving holiday, drive or fly?

It's threads like this that remind me why I bought my airplane. Yea those single engine small planes are just a beacon of safety. I feel safer flying in my single during the peak Thanksgiving travel days than being in interstate traffic. Also, If you do some research you might find that the data sh...
by neilpilot
Wed Aug 15, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 28
Views: 1863

Re: Discarding dead cell phone without purging my data

I assume you are set on discarding the phone, and that it has a removable battery. Before you do, remove the battery and leave the phone in a very slow oven (150-175F) for 3-4 hours. Then remove it, allow it to cool to room temperature, and then insert the battery and plug it into a charger. If it w...
by neilpilot
Wed Aug 15, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2099

Re: Travel over thanksgiving holiday, drive or fly?

It's threads like this that remind me why I bought my airplane.
by neilpilot
Tue Aug 14, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2405

Re: Using Uber Without A Cellular Data Connection

My stateside cellphone service is with an MVNO so no options for international service. My cell service is also an MVNO on the Verizon network. Xfinity Mobile worked great this spring in the UK and France, and was also a tenth the cost of my former AT&T service. But if you truly will not have the o...
by neilpilot
Tue Aug 14, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2405

Re: Using Uber Without A Cellular Data Connection

Trism wrote:
Tue Aug 14, 2018 12:55 am
My first firsthand experience with a Tesla Model S was a taxi at AMS.
Did you have a second firsthand experience?
by neilpilot
Mon Aug 13, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2405

Re: Using Uber Without A Cellular Data Connection

I've used the Uber app, using only a WiFi connection, to order rides in the UK & France. Never a problem. As another person posted, if the airport wifi doesn't work then just use roaming data thru your US provider or take a cab. It's not the end of the world.
by neilpilot
Sun Aug 12, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12633

Re: What I spent in 6 months on medicare

Wife and I are both 67 and on Medicare, have a supplement and drug plan. I am still working so we are paying high premium. Medicare, supplement Plan F, and drug plan are costing us $14,000 annually. Wow.... We're both 68, and Medicare, supplement Plan G, and drug plan are costing us $6,264 annually...
by neilpilot
Sat Aug 11, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 22
Views: 1156

Re: Mutual Funds vs. ETF's

Well, since I am most comfortable with mutual funds over ETF's, I will stay with Mutual funds primarily because of the reinvestment and fractional issues. Too, I am a Vanguard Admiral investor only and do not buy other funds from other Companies. Over the past few years I moved to convert most of m...
by neilpilot
Sat Aug 11, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4530

Re: Should I pay 6000.00 to repair wife's car....

You need a referral to a good mom and pop body shop who will do this for a fraction of the price. The dealer is not where you want to be. Agreed. In fact, often a dealer will farm out specialty work such as paint and body work to a specialty shop and then charge you their customary dealer markup.
by neilpilot
Sat Aug 11, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 71
Views: 9455

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

This week, I finally got my Ford Fusion airbag recall resolved after 2+ years . Had a rental car for just the last month before the parts were available. Was a frustrating process. Insult to injury, the local Ford dealer that provided the repair work had poor customer service / lack of communicatio...
by neilpilot
Sat Aug 11, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Multiple tIRA accounts-- any reason to not consolidate?
Replies: 17
Views: 1223

Re: Multiple tIRA accounts-- any reason to not consolidate?

I'd be reluctant to consolidate into the current employer's IRA if the investment options had high ERs and/or were too limited or not attractive relative to you other IRAs.
by neilpilot
Fri Aug 10, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 36
Views: 5681

Re: Flight cancelled. Entitle to any compensation?

Just an update on my experience. I filed a claim via their website. It was a polite request including an explanation of the situation and the costs along with attached receipts. I heard back from Norwegian several weeks later (about 4-5 weeks). They approved my claim and asked for my bank details t...
by neilpilot
Fri Aug 10, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1946

Re: Anyone familiar wit attic fans?

I told myself the venting from the soffit to the new ridge vent was fine enough and I didn't really need to worry about the attic fan. :sharebeer When we had a new roof installed along with an addition, the roofing contractor added ridge vents and advised against attic fan, as it would not allow th...
by neilpilot
Thu Aug 09, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 1840

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

You may need to amend your 2016 state tax return if it's effected by the second item (misc $3k income).
by neilpilot
Thu Aug 09, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1946

Re: Anyone familiar with attic fans?

Our house has one way up in the attic rafters - it was there when we bought the house. It has an easily accessible on/off switch . The problem is that it is controlled by a thermostat which is next to the fan and we don't know the temperature setting that causes it to go on. I have read that some p...
by neilpilot
Thu Aug 09, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1946

Re: Anyone familiar with attic fans?

powered attic ventilator fans are generally considered to be a net drain on energy savings, so a broken one is better than a working one: https://www.greenbuildingadvisor.com/article/fans-in-the-attic-do-they-help-or-do-they-hurt While I'm generally in agreement with the linked article, they do mis...
by neilpilot
Thu Aug 09, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 11
Views: 787

Re: Vanguard Advisor

Assuming you have no need for growth, i.e. to provide an estate, then why consider paying Vanguard for advise you don't want or need. Just construct a simple CD ladder and remain 100% cash.
by neilpilot
Wed Aug 08, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Huge cost of ETF dividend reinvestment and what to do?
Replies: 3
Views: 333

Re: Huge cost of ETF dividend reinvestment and what to do?

I assume you know that many firms offer automatic dividend reinvestment of ETFs at no cost? I know that Merrill Edge and TD Ameritrade does, and assume others do as well.

Maybe you need to move your accounts to TD Ameritrade, and collect a new account bonus?
by neilpilot
Tue Aug 07, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2897

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

i have a family member who had a tesla. minor accident took 6 months to get parts. i would not buy. This is the thing that has kept me from going ahead with buying a 3. Mind you, the last time I had a car in a body shop was probably 30 years ago, but the stories of people waiting months for parts i...
by neilpilot
Mon Aug 06, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: From TD Ameritrade to ...
Replies: 19
Views: 1442

Re: From TD Ameritrade to ...

At the start of the year I moved a portion of funds from 2 of our 5 accounts at Scottrade to Merrill Edge, to test the waters. We were very unhappy with the customer service interface at ME, and essentially gave up on having the accounts set up the way we had been told they would be from the start....
by neilpilot
Sun Aug 05, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: From TD Ameritrade to ...
Replies: 19
Views: 1442

Re: From TD Ameritrade to ...

At the start of the year I moved a portion of funds from 2 of our 5 accounts at Scottrade to Merrill Edge, to test the waters. We were very unhappy with the customer service interface at ME, and essentially gave up on having the accounts set up the way we had been told they would be from the start. ...
by neilpilot
Sat Aug 04, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Frequency of Termite Inspections
Replies: 3
Views: 350

Re: Frequency of Termite Inspections

I'm not endorsing the value of a termite protection contract, except to say that if you do have a contact then annual inspection is generally a requirement.
by neilpilot
Fri Aug 03, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Liability/Umbrella Insurance Question
Replies: 22
Views: 1208

Re: Auto Liability/Umbrella Insurance Question

There have been many threads on this, so probably no need to post much details here. But when you consider protecting your current assets, also consider the potential impact of a judgement against your future earnings.

edit - what golfCaddy said while I was typing
by neilpilot
Fri Aug 03, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1131
Views: 194823

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes, Fidelity will generally match their competitor's offers. You have to call, it's not listed a listed promo. Tell them 'Etrade is offering $300 for 100k (or whatever offer it is that meets your transfer level), but if you can match I'd prefer to open with you instead'. Try calling during busines...
by neilpilot
Thu Jul 26, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1131
Views: 194823

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have a question to those who have been down this road... I currently have all of my investments at VG. I am considering transferring the investments in a taxable account (in-kind) to another brokerage to get a bonus, and then 2-3x over the next few years. If I do that, and eventually end up with ...
by neilpilot
Wed Jul 25, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 965

Re: Back Car Lights all went out

Just one word of advice: GROUND please explain.... What Teague said. Often when several lights go out there’s a common fault. It could be a shared fuse or a shared ground. It’s usually easy to determine. Just connect one voltmeter probe to the lamp socket hot line and the other to a good ground poi...
by neilpilot
Wed Jul 25, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 965

Re: Back Car Lights all went out

Just one word of advice: GROUND
by neilpilot
Mon Jul 23, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7757

Re: Engineers come in.

Great responses and I will make sure he reads all of them. He was also trying to work full time, which he said was fine for the pre-req courses like English etc but it burnt him out once he got into the chemistries and math courses. Perhaps the best thing would be for him to not work at all for one...
by neilpilot
Mon Jul 23, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7757

Re: Engineers come in.

BS/MS EE here. Maybe a bit cold, but in the first semester mechanics class the professor started the class with something along these lines... "Look to you left, look to your right. If you make it through the program they won't". He was right less than 1/3 made it. Blowing off a first year calculus...
by neilpilot
Sat Jul 21, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1401

Re: Garage door experts

There’s one very big problem with some of these posts. Garage door springs come in two entirely different flavors, torsion springs and simple extension springs. Can’t say for sure, but some posts seem to be referring to torsion, while others to extension. Since no one actually specifies which type t...
by neilpilot
Tue Jul 17, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 415

Re: Transferring money from Canada - Wait for exchange rate to improve?

Looking for currency exchange rate improvement is another version of market timing. Not something we Bogleheads normally endorse.

However, exchange fees can vary significantly so pick your service wisely. There have been recent threads that reference options.
by neilpilot
Mon Jul 16, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1131
Views: 194823

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Those are both higher than what they offer on their website. I wonder if calling pays as I am going to transfer funds to eTrade (for the sole purpose of a bonus). Did they say if that was applicable to all account types (IRA)? I've noticed some of the best offers out there exclude IRAs. I have one ...
by neilpilot
Sat Jul 14, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1131
Views: 194823

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I opened an account with ME for one of their $1000 for 200K bonuses in Jan 2018. I thought the bonus would pay out at the end of 180 days, but actually the terms indicate 2 weeks after funding (180 days is just the period you have to retain the bonuses). I have a vague memory that the last time I g...
by neilpilot
Sat Jul 14, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Living Revocable Trust - conveyance of assets
Replies: 11
Views: 813

Re: Living Revocable Trust - conveyance of assets

Assuming you have a title insurance policy that was issued in your name(s) on purchase of the property, does this also need to be revised to indicate a trust?
by neilpilot
Sat Jul 14, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 41
Views: 3979

Re: Filing Restricted SS Application -next step

So filed online, seems simple enough- just received Form OMB No. 096-0009 Marriage Centification in the mail for my wife to fill out. It asks for her previous marriages, but she has none. And it looks like we "do not" have to file a copy of the marriage certiicicate. Would it be a good idea to atta...
by neilpilot
Fri Jul 13, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106447

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

I'm trying to ascertain but can't quite understand based on his many many many many posts in this thread: is it DanMahowny's position that one should NOT take delivery of a Tesla 3? Please help. Thank you. I think old DM is trying to get as many of us as possible to cancel our reservations and orde...
by neilpilot
Fri Jul 13, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 27174

Re: free dinner investing seminar

Just like free vacations with a condo pitch, I avoid these like the plague, even getting removed from future mailings and asking the source from where they got my name. AARP, which we do not belong to, will rent your name to anyone. If you belong, ask to be marked Do Not Rent. Reputable mailers use...
by neilpilot
Thu Jul 12, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 27
Views: 2580

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

When I filed my successful IRMAA appeal in Nov17 I included my MAGI estimates for TY2017 and TY2018. The SSA asked me to send them a copy of my TY2017 return when I submitted it earlier this year. I have no idea if they will ask me for TY2018 return early next year.
by neilpilot
Thu Jul 12, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3994

Re: Flooring for New House

I know I'm late to the party, but just wanted to add a few things. I have hardwood floors. I get sun fading, dents, cracks, and scratches too. It isn't just an LVP problem. It takes a long time for a scratch to become "character" and in the mean time, you are staring at a jagged scratch in your flo...
by neilpilot
Thu Jul 12, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3994

Re: Flooring for New House

I know I'm late to the party, but just wanted to add a few things. I have hardwood floors. I get sun fading, dents, cracks, and scratches too. It isn't just an LVP problem. It takes a long time for a scratch to become "character" and in the mean time, you are staring at a jagged scratch in your flo...
by neilpilot
Wed Jul 11, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 27174

Re: free dinner investing seminar

averagedude wrote:
Wed Jul 11, 2018 9:40 pm
Ive always heard these dinners are at decent restraunts, but they always serve rubber chickens. The food is about as bad as the products they are selling.
Not my experience
by neilpilot
Wed Jul 11, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 26
Views: 2199

Re: Prepaid cell phone plan vs Regular Contract Plan

If you live in a Wi-fi zone for most of the day and don't need a data plan, T-mobile has a $3/month plan for 30 calls or texts. Every call/text past that is 10 cents. Works for me and my kids, but we all "live" in Wi-fi areas most of the day, so no data is needed. My kids also use Google Voice for ...
by neilpilot
Wed Jul 11, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: I Now Have a Revocable Trust and Have Questions
Replies: 14
Views: 1486

Re: I Now Have a Revocable Trust and Have Questions

afan wrote:
Wed Jul 11, 2018 2:42 pm

For those reasons I don't think keeping what you have would be a good idea. I suggest you find a real estate expert and get a proper plan.
I wouldn't trust my real estate attorney with drafting a revocable trust.
by neilpilot
Wed Jul 11, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2149

Re: Replace water heater at end of warranty or repair?

Nothing lasts forever. I've yet to have anyone tell me they flush their WH annually or ever. Unless it is a bad thermocouple that can be replaced there is not much that can be repaired on a WH. Unless you don't mind waking up to a cold shower some morning, replace it. Interesting observation. I had...
by neilpilot
Wed Jul 11, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 2030

Re: Should I contact GMC about A/C issues?

munemaker wrote:
Tue Jul 10, 2018 10:15 pm
When it comes to quality, Honda is light years ahead of GM
Tell that to CRV owners with gas diluted oil.