Search found 226 matches

by chessknt
Fri Jul 24, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Odd Inheritance situation
Replies: 12
Views: 1754

Re: Odd Inheritance situation

No point in worrying about this now since all of the new laws governing firearm transport could be different but logistics wise you have a few options for guns illegal in Canada (anything that isn't a long barreled shotgun or hunting rifle is basically illegal there): 1-The ferry system counts as tr...
by chessknt
Fri Jul 24, 2020 5:55 pm
Forum: Personal Investments
Topic: Solo 401k logistics
Replies: 10
Views: 641

Re: Solo 401k logistics

Thank you for the above responses. I got an EIN assigned today at my new addess. In terms of my maximum contribution--I will earn 11700 this year from my side gig. My regular W2 income will max out Social security contributions. Can I contribute: 1-11,700 (100%) 2-10307 (100%-2.9% self employed medi...
by chessknt
Thu Jul 23, 2020 3:14 pm
Forum: Personal Investments
Topic: Solo 401k logistics
Replies: 10
Views: 641

Solo 401k logistics

For those who have or are familiar with solo 401ks: I occasionally earn freelance/1099 income in some years. This year I will earn a total of about $11,000. I am in a high tax bracket and would like to defer this income and this year decided I would like to open up a solo 401k but have 2 questions a...
by chessknt
Wed May 27, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Non-response from company re: door purchase
Replies: 5
Views: 642

Re: Non-response from company re: door purchase

You're outside a credit card charge back window (if you even used one). Next and only step if they won't answer the phone is small claims court. If they produce your door drop the suit.
by chessknt
Thu Apr 02, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home office deductions for mandatory work at home?
Replies: 18
Views: 1189

Re: Home office deductions for mandatory work at home?

The bar for a home office deduction is very high. If I remember correctly, the room has to be used exclusively for work. No use by kids or your spouse even briefly. Someone more knowledgeable should chime in. Bottom line: if you can work from home, tame your greed and count your lucky stars in this...
by chessknt
Thu Apr 02, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: 6.65 million new unemployment [April 2]
Replies: 35
Views: 3541

Re: 6.65 million new unemployment [April 2]

The real question in my mind is how far do we let the pain of an idle society spread before we declare it is not worth whatever lives are saved? Probably never. Economists and viral epidemiologists don't agree with that (there are of course exceptions). We can have a terrible economy and save lives...
by chessknt
Thu Apr 02, 2020 12:29 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195774

Re: Bogleheads community discussion - Coronavirus

"EMTs have stopped taking people in cardiac arrest to coronavirus-strained hospitals " https://nypost.com/2020/04/02/coronavirus-nyc-emts-stop-taking-cardiac-arrest-patients-to-hospitals/ Is it still just like the flu? From the article: "Under the rule, “if you can’t get revived on scene, that’s it...
by chessknt
Thu Apr 02, 2020 12:12 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195774

Re: Bogleheads community discussion - Coronavirus

"EMTs have stopped taking people in cardiac arrest to coronavirus-strained hospitals " https://nypost.com/2020/04/02/coronavirus-nyc-emts-stop-taking-cardiac-arrest-patients-to-hospitals/ Is it still just like the flu? From the article: "Under the rule, “if you can’t get revived on scene, that’s it...
by chessknt
Thu Apr 02, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: 6.65 million new unemployment [April 2]
Replies: 35
Views: 3541

Re: 6.65 million new unemployment [April 2]

The real question in my mind is how far do we let the pain of an idle society spread before we declare it is not worth whatever lives are saved? Probably never. Economists and viral epidemiologists don't agree with that (there are of course exceptions). We can have a terrible economy and save lives...
by chessknt
Sun Mar 29, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Doctor exam notes often have falsehoods - Wny?
Replies: 9
Views: 1141

Re: Doctor exam notes often have falsehoods - Wny?

Seasonal wrote:
Sun Mar 29, 2020 2:58 pm
To justify how they spend their time, possible liability issues, to support billings, etc.

How is this actionable?
Agree not actionable. Call your doctor if it bothers you that they said they examined your tonsils but didn't but Bogleheads isn't going to be able to answer this question for you.
by chessknt
Sun Mar 29, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Why shouldn’t I buy a cheap flight in October?
Replies: 26
Views: 3123

Re: Why shouldn’t I buy a cheap flight in October?

You can plan for it but also plan for it to not happen and for that & 200 to be stuck ad aiine credits. It is very likely there will be a fall/flu season recurrent covid surge that could cause this to be a recurring event.
by chessknt
Sat Mar 28, 2020 5:54 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53170

Re: How Is Your Job Being Impacted By The Current Crisis?

No immediate impact on finances and I know many others will have it far worse than me.
by chessknt
Fri Mar 27, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: High school money topics
Replies: 23
Views: 1219

Re: High school money topics

I think discussing your perception of college major values is a fast track to being completely ignored and recommend that be at the absolute end of your list.
by chessknt
Mon Mar 16, 2020 5:16 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195774

Re: Bogleheads community discussion - Coronavirus

Daily new cases in U.S. could be beginning to level off. According to source below, 696 new cases (infections) on March 14 and 737 new cases on March 15. This is a good sign. https://www.worldometers.info/coronavirus/country/us/ Our testing capacity remains crippled keeping these numbers artificial...
by chessknt
Fri Feb 28, 2020 4:40 am
Forum: Personal Investments
Topic: N95 masks and APT stocks
Replies: 21
Views: 1729

Re: N95 masks and APT stocks

There are no answers to any of these questions. You speculated and so far it has paid off but you haven't won anything until you close out your position. Based on your verbiage you sound very uncomfortable with speculating so my recommendation would be decide what you are OK losing, close our your p...
by chessknt
Mon Feb 10, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent credit application blocked by freeze - should I worry?
Replies: 22
Views: 1923

Re: Fraudulent credit application blocked by freeze - should I worry?

What's the purpose of the fraud alert when a credit freeze is already in place? A credit freeze the scummy credit bureaus are allowed to charge a fee for the privilege. Fraud alerts they cannot. This hasn't been true since the middle of last year, freezes are all free now by federal law.
by chessknt
Fri Feb 07, 2020 6:11 pm
Forum: Personal Investments
Topic: Is it worthwhile to contribute to 401k without match
Replies: 29
Views: 2919

Re: Is it worthwhile to contribute to 401k without match

Max Roth first then 401k which is better than taxable.
by chessknt
Tue Feb 04, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: The "$20 trick" at hotels
Replies: 12
Views: 3277

Re: The "$20 trick" at hotels

I've had it work in Vegas but now it's more like the $100 trick there. Never tried it anywhere else but nothing ventured nothing gained.
by chessknt
Mon Jan 20, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Hybrid/EV fees imposed by states... punitive?
Replies: 13
Views: 1031

Re: Hybrid/EV fees imposed by states... punitive?

Michigan has been doing this for a while and I intentionally did not buy an electric vehicle because of this. I only drive 5k miles per year so their math was ridiculous.
by chessknt
Fri Jan 10, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Travel Insurance Question
Replies: 8
Views: 1194

Re: Chase Sapphire Reserve - Travel Insurance Question

IANAL but I read that as only if you file a claim before your account is closed. Your options could be to eat the fee (depending travel benefits it nearly pays for itself even with minimal travel), downgrade to another card tier that still has trip insurance, or buy an insurance policy now out of po...
by chessknt
Thu Jan 09, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: 1 yr ban of 401K contribution?
Replies: 66
Views: 7146

Re: 1 yr ban of 401K contribution?

You realize some people have no access to 401k at all and manage to retire right? It won't be as efficient due to taxes but you can still save in a taxable account...
by chessknt
Wed Jan 08, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4988

Re: Medical Billing, is this typical?

I agree that, as described, this is unusual. See what diagnoses were billed and what the justification was for these tests since it might not be inappropriate. Upper and lower extremity vein ultrasound is hard to justify without a complaint and sight unseen however... If these were done in the physi...
by chessknt
Mon Dec 23, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: reliable thermometer? (for human, not oven, etc.)
Replies: 41
Views: 2404

Re: reliable thermometer? (for human, not oven, etc.)

I think my biggest question(s) was why you think your thermometer isn't accurate or why precision is so important? Also why are you measuring your temperature frequently enough to know it isn't accurate? My experience with digital thermometers is they can vary by several degrees with measurements w...
by chessknt
Mon Dec 23, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: reliable thermometer? (for human, not oven, etc.)
Replies: 41
Views: 2404

Re: reliable thermometer? (for human, not oven, etc.)

I think my biggest question(s) was why you think your thermometer isn't accurate or why precision is so important? Also why are you measuring your temperature frequently enough to know it isn't accurate?
by chessknt
Tue Dec 17, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance during retirement
Replies: 28
Views: 2775

Re: Health Insurance during retirement

Talked to a financial adviser today and he said one of the biggest things that people overlook is healthcare. I am just curious what people are paying a month for healthcare during retirement???? I looked at mine and although its not great it would only cost me about $360 a month for the wife and I...
by chessknt
Tue Dec 17, 2019 6:34 pm
Forum: Personal Investments
Topic: Unusual need to book a smallish capital loss by year-end
Replies: 29
Views: 2095

Re: Unusual need to book a smallish capital loss by year-end

I'm a bit confused about this post - I wonder if somebody could explain something: I'm under the impression that the ACA (Obamacare) works on a sliding scale, the top of which is indeed 48,500. If your income is over that amount, you'll receive no subsidy... but if you're under income is, for examp...
by chessknt
Fri Dec 13, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2886

Re: New baby: Should I purchase new car? Tesla?

Seems like you are trying to solve the issue of steep drive to your house and 5-people in car. I think the most efficient method would be to get snow tires on your current car. I feel that no car is "the best" in snow especially on a steep drive but others could have different opinion. Snow tires m...
by chessknt
Fri Dec 13, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2886

Re: New baby: Should I purchase new car? Tesla?

Tesla model x is like a compact suv, gonna be very small for 5 people inside of it. I would also challenge that it has superior handling in bad weather to a traditional car. You could get a depreciated highlander awd for much less than a depreciated model x. I agree that a Model X might be small fo...
by chessknt
Fri Dec 13, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2886

Re: New baby: Should I purchase new car? Tesla?

Tesla model x is like a compact suv, gonna be very small for 5 people inside of it. I would also challenge that it has superior handling in bad weather to a traditional car. You could get a depreciated highlander awd for much less than a depreciated model x.
by chessknt
Fri Dec 13, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Re: Need help. Daycare vs Nanny.

I love how the commercialization of childcare has deceived people in to thinking it is necessary for child development. Kids are resilient and can be normal (ie not geniuses) if they go to stem daycare from 4 months old until kindergarten, raised by a sah parent, raised by a grandparent, raised in ...
by chessknt
Fri Dec 13, 2019 5:39 am
Forum: Personal Investments
Topic: Tech company stock option plan: should I participate?
Replies: 33
Views: 2081

Re: Tech company stock option plan: should I participate?

On the other hand, I feel like the 10 year time horizon is a decent length of time to weather some bad years. Weathering bad years doesn't really work for individual stocks. They are known to drop and then never recover to their previous level. With a call option that is especially bad because belo...
by chessknt
Fri Dec 13, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Re: Need help. Daycare vs Nanny.

I love how the commercialization of childcare has deceived people in to thinking it is necessary for child development. Kids are resilient and can be normal (ie not geniuses) if they go to stem daycare from 4 months old until kindergarten, raised by a sah parent, raised by a grandparent, raised in a...
by chessknt
Sat Nov 30, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Toyota loyalty cash work around question
Replies: 19
Views: 1909

Re: Toyota loyalty cash work around question

Just have him add your name to his avalon title and send you a copy of it, then show it to the dealer.
by chessknt
Fri Nov 29, 2019 12:26 pm
Forum: Personal Investments
Topic: Invest cash in conservative manner until next recession
Replies: 119
Views: 10770

Re: Invest cash in conservative manner until next recession

Hello Experts, Assuming I have about $1mil sitting in cash in savings accounts giving 2.00% apy, I would like to wait until the next recession (hard to say when but will happen :o ) to invest in something like Vanguard500index fund at a good buying price. In the meantime what may be a way I can get...
by chessknt
Tue Nov 19, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Lexis nexis error
Replies: 4
Views: 971

Re: Lexis nexis error

I had a friend (ahem!) in the data business. Call Lexis, ask for legal. Ask legal for the data correction person. My guess is they used one of the CRA's to scrub their data, and you were combined with someone else. They probably won't tell you which one. You will have to write them a letter stating...
by chessknt
Mon Nov 18, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lexis nexis error
Replies: 4
Views: 971

Lexis nexis error

So I kept getting these weird ID questions when trying to confirm identity wrong and finally got fed up and requested a copy of my lexisnexis report. Lo and behold they have combined my file with another person with a somewhat similar first name, same middle name, different last name, lives in same ...
by chessknt
Fri Nov 15, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Cheapest long term car rental or other solution?
Replies: 11
Views: 1279

Re: Cheapest long term car rental or other solution?

I recently went through this with an old car needing expensive repairs and a big planned move. The cheapest (if you can find it) is a short term lease takeover with the end date around when you stop needing the car. The other option is a lease takeover that is a good deal that you will be able to ea...
by chessknt
Mon Nov 11, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 49
Views: 7347

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

Unless this person is you then you are already way too involved in his business to have all of these numbers and should just let him figure his own stuff out. There's being friendly and being nosy and this definitely crosses that line.
by chessknt
Sun Nov 10, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2549

Re: WSJ: Underwater Car Loans

This is a sensational title since literally every new car loan is essentially 'underwater' at the time of origination due to the rapid depreciation of new cars. Financing a car is not always terrible as portrayed here and can allow leverage of zero or low interest loans for a good you were planning ...
by chessknt
Sat Nov 09, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3929

Re: Tale of 2 doctor job opportunities

Once wci forums are back up ask there since this forum isn't well suited for physician employment assessment. You don't have enough i for to make a fully informed decision since any productivity based model can vary wildly depending on overhead and how likely it is you will be able to run a full cen...
by chessknt
Sat Nov 02, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: EverSafe and cognitive decline study
Replies: 15
Views: 2374

Re: EverSafe and cognitive decline study

The study is irb approved which means it has passed ohsu's standards for ethical human research. What are you concerned might happen? Did you ask the consenting researcher about your concerns? My concern is not with the study but with the company. I asked whether I would need to give EverSafe acces...
by chessknt
Sat Nov 02, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: EverSafe and cognitive decline study
Replies: 15
Views: 2374

Re: EverSafe and cognitive decline study

The study is irb approved which means it has passed ohsu's standards for ethical human research. What are you concerned might happen? Did you ask the consenting researcher about your concerns?
by chessknt
Wed Oct 30, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3448

Re: Unnecessary blood tests

It would be like if I went to a lawyer for a lease agreement review, paid a flat fee, and wanted him/her to explain the complexities of specific case laws on the definition of a domicile and the different legal operators in each sentence and rewrite the entire agreement to make sure it confirmed wi...
by chessknt
Wed Oct 30, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3448

Re: Unnecessary blood tests

As a former practicing internist and sub specialist, if a patient requested that for an annual physical that I should not obtain a CBC and metabolic profile, I would suggest that if there is no emergency at that visit, that he/she get another doctor and this visit is at no charge. The patient is te...
by chessknt
Thu Oct 24, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13587

Re: Ok to go without health insurance?

Even if you hame the system by only buying coverage in a true emergency what if the emergency is with you? Is your corporation configured to let someone else buy insurance on its behalf in the event you become incapacitated? And surely you know lots of expenses could happen before that insurance kic...
by chessknt
Tue Oct 22, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4405

Re: BCBS wont pay lab bill...

I love some members perception that a physician delights in patients getting enormous bills or somehow profits for patients getting lab tests or (most comically) has a duty to understand the lab coverages of the hundreds of insurance products they accept for charges they do not bill or collect. I th...
by chessknt
Tue Oct 22, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Impact of filing a claim under home owners policy
Replies: 10
Views: 1039

Re: Impact of filing a claim under home owners policy

Call your Agent and ask them under what circumstances, if any, would filing a claim cause your premium to go up. It won't be the first time they have been asked this question and you have every right to know. Cheers Given my experience with them a better question would be what circumstances it woul...
by chessknt
Tue Oct 08, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 8734

Re: Should I sell or keep my 5 year old depreciated Tesla

Ev drive train is pretty durable, you may not ever need to replace it since it may go over a million miles and a well maintained battery should be fine for daily use unless your commute is far. No reason to replace, possibly ever?
by chessknt
Fri Oct 04, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3744

Re: relocating across country

How could one possibly need $220K to move?! This is just a huge signing bonus, no? I had a similar thought-----then I pondered the costs of buying and selling homes (in two very expensive areas no less), possible mortgage differentials, temporary living costs, relocation "scouting" trips, permanent...