Search found 758 matches

by Artful Dodger
Tue Nov 12, 2019 6:51 pm
Forum: Investing - Theory, News & General
Topic: Flaws with 4% Rule?
Replies: 33
Views: 3859

Re: Flaws with 4% Rule?

I agree with some of the posts above that you can only adjust so far. If there is a big downturn, you lose a lot of flexibility for the "hot" years. I'm still in the entry approach to retirement, and have found using a retirement planner with built in capabilities to make adjustments for future spen...
by Artful Dodger
Tue Nov 12, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: How does receiving ACA subsidies work?
Replies: 5
Views: 413

Re: How does receiving ACA subsidies work?

Go to healthcare.gov and complete an application with your expected income. When complete, they will email you your eligibility results. I did this a few years ago for our younger daughter who was working part time finishing school. Here's what we got... Eligible to buy a 2018 Marketplace plan, incl...
by Artful Dodger
Tue Nov 05, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1837

Re: Working from home vs in the office

Based on what you’ve posted, working from home seems to be a no brainer. You said you were at least as productive, and that’s the key. Most people would value the time savings far more than the the food cost savings. It seems such an obvious decision, I wonder if there are some other factors in play...
by Artful Dodger
Sat Nov 02, 2019 10:49 am
Forum: Personal Investments
Topic: Do you consider pensions as part of your overall asset allocation?
Replies: 67
Views: 5054

Re: Do you consider pensions as part of your overall asset allocation?

No. Consider them as future income streams that reduce what you will need from your portfolio, but they're not assets. You can't change them, sell them, or pass them on (except perhaps a spousal benefit). +1 But in setting my asset allocation for my invested assets, I would take into account that m...
by Artful Dodger
Sat Nov 02, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Hudson Insurance Group for Umbrella Insurance
Replies: 5
Views: 489

Re: Hudson Insurance Group for Umbrella Insurance

I could be missing something, but what is the argument against using the same carrier for home, auto, and umbrella? In case of a claim, I really don't want my auto carrier arguing with my umbrella carrier. Instead, I want both arguing on my behalf / paying damages I caused. I was going to make the ...
by Artful Dodger
Sat Nov 02, 2019 5:49 am
Forum: Personal Consumer Issues
Topic: How can I tell when red wine has gone bad?
Replies: 9
Views: 1462

Re: How can I tell when red wine has gone bad?

It could be corked, and you're not as sensitive to the more common corked wine smell. I recall a few years ago getting a wine at a restaurant. It was a recent vintage Bordeaux I believe, and just tasted lifeless, very little acidity and tannins with muted fruit. I sent it back, and got another bottl...
by Artful Dodger
Fri Nov 01, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 413
Views: 65905

Re: Good Modern Science Fiction

Foundation by Isaac Asimov & Prelude to Foundation by Isaac Asimov I listened to Foundation via Audible then picked up Prelude on Kindle, and read while traveling. This was probably the fourth time I had read the original Foundation, first as a teen, then rereading a few times later along with the ...
by Artful Dodger
Fri Nov 01, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to surrender Universal Life policy. Need advice.
Replies: 8
Views: 935

Re: Unable to surrender Universal Life policy. Need advice.

You are not contractually obligated to continue paying premiums on a UL policy, so discontinuing paying it and letting it lapse will not affect your credit score, any future insurance applications, etc. You are basically saying you do not want the policy anymore and letting it lapse. Very common oc...
by Artful Dodger
Fri Nov 01, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why SHOULDN’T I open an SAT/ACT prep center?
Replies: 29
Views: 3668

Re: Why SHOULDN’T I open an SAT/ACT prep center?

Just curious. Isn't most test prep pretty seasonal. As I recall when I and then kids did their ACTs, the tests were in the spring, so most of the advertised test prep courses were run January to March. Some kids didn't do as well, so they prepped again, and then retook the test, maybe a few months l...
by Artful Dodger
Fri Nov 01, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: ACA over the MAGI cliff! does it really matter?
Replies: 10
Views: 1722

Re: ACA over the MAGI cliff! does it really matter?

You've gotten the credit in the past, and foresee the same occurring in 2020. I would do the advance credit. If you did go over for 2020, I suspect you would be able to make a reasonable case for your 2021 projection, assuming your investment extra would go away. I've not heard anyone who was barred...
by Artful Dodger
Fri Oct 25, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4116
Views: 1174697

Re: What Book Are You Currently Reading? Part VI

The Blackhouse , by Peter May. This is a very good mystery-thriller, the first of a series of three. A Scottish police detective returns to his childhood home on the Island of Lewis in the Outer Hebrides to try to solve two murders, and unravels a mystery from his own youth. I wondered if anybody h...
by Artful Dodger
Thu Oct 24, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11656

Re: Inside Fisher Investments

A lot of the criticism of Ken Fisher was due to his sexist remark at an investment conference. Basically he said the process of winning clients was like trying to get into a girl's pants. This put his firm into the worst light. If and when you're looking for a financial adviser / asset manager, you ...
by Artful Dodger
Thu Oct 24, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11656

Re: Inside Fisher Investments

I posted this a year ago... I'll be happy to share my experience with Fisher. We were with them 3 1/2 to 4 years from shortly after the last meltdown in 08/09 to early 2013. Previous to that I had bought stocks / mutual funds and actively "managed" them. I was looking to simplify and focus on my bus...
by Artful Dodger
Thu Oct 24, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5472

Re: Does the Average Homeowner Need a Water Shut Off Valve

It depends. If you have a pipe burst and damage, then you needed it... It will provide you with a discount on your insurance, although it will take a very long time to earn it back. We had a pipe burst on an unoccupied property. Damage total is approaching $40,000. All covered but a $1,000 deductib...
by Artful Dodger
Thu Oct 17, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2754

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

Our family goes through 3 or 4 Costco Kirkland brand sparkling waters a day. That stuff is awesome! My spouse suggested we look into a SodaStream. Any input as to if the taste is comparable to the Kirkland version? How long does the fizz last once it's made? Worth it? I'm with those who love their ...
by Artful Dodger
Wed Oct 16, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Hyundai Tuscon or Nissan Rogue
Replies: 9
Views: 1070

Re: Hyundai Tuscon or Nissan Rogue

I bought a 2009 Tucson for our daughter and it worked out well for her. I liked driving it. Sorry if that’s too old a model for valid comparison. We did drive a Nissan Rogue a few months back when looking for a new SUV for my wife. She wasn’t interested in the Tucson, but we drove the CRV, Subaru Fo...
by Artful Dodger
Mon Oct 14, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA plans and premiums post retirement.
Replies: 11
Views: 862

Re: HSA plans and premiums post retirement.

Wait I reread what you posted artful dodger. I think I understand that it isn't cobra coverage, but does it appear equivalent for HSA purposes? If you do some searches, you find alot of references that just say you can pay COBRA with your HSA, or in a few instances you can pay state continuation wi...
by Artful Dodger
Mon Oct 14, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA plans and premiums post retirement.
Replies: 11
Views: 862

Re: HSA plans and premiums post retirement.

Actually, publication 969 says "Health care continuation coverage (such as coverage under COBRA)." Normally, any type of arrangement which allows employees or dependents to continue on their employer plan by paying the premium is considered "continuation coverage". Usually most employer plans will l...
by Artful Dodger
Sun Oct 13, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4116
Views: 1174697

Re: What Book Are You Currently Reading? Part VI

The Management Myth by Matthew Stewart A philosophy grad looking for work after college gets hired by a management consulting firm, and in a matter of weeks becomes an expert in all things related to business. The Federalist Papers - Alexander Hamilton, John Jay, and James Madison Dense but rewardi...
by Artful Dodger
Sat Oct 12, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions/Deductible/Not Deductible
Replies: 7
Views: 571

Re: HSA Contributions/Deductible/Not Deductible

Well, it looks like his employer sent $300 a month directly to his HSA bank account, taking this from his pay, so these are his contributions, not contributions made on his behalf by the employer. Careful there. If the HSA contributions were made via payroll deduction, they would not have been incl...
by Artful Dodger
Sat Oct 12, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5967

Re: Replace water heater just because it's old?

I think I posted this a few years ago. Moved in to our new home in 1994. Somewhere mid 2000s, we had a leak under a sink and had plumber in to inspect. He suggested we replace the hot water then at 10 or 11 years. Twelve years later, our furnace guy noticed a leak. So we got about 22 years out of it...
by Artful Dodger
Sat Oct 12, 2019 1:47 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5027

Re: Retirees, when did you start really planning your retirement?

I have never thought about retirement until early 50s. The goal of life is not how to prepare for retirement, but how best to use your life before that turning point. Since my early 50s, I saved crazy and achieved FI. I have practiced LBYM all my life. As long as I will do OK in retirement, I will ...
by Artful Dodger
Fri Oct 11, 2019 2:35 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3073

Re: Does Fidelity have a performance view?

Yes, there is a Performance tab. I didn't know it only applied to Premium Accounts. There is a new features summary available at the top which when opened says... Welcome to the Online Performance Summary! This page is designed to help you better understand the different elements that make up accoun...
by Artful Dodger
Thu Oct 10, 2019 9:08 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

Got it to work with Firefox. I'm most interested in asset allocation but there is no way to pick which accounts to include. My kids UTMAs are on the same login along with in law's IRAs so their accounts get lumped into the asset allocation along with my checking account. I could swear you could man...
by Artful Dodger
Thu Oct 10, 2019 9:00 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

As others have noted, Fullview went thru a redesign I think a year ago, and there were some problems. Seems to be working fine now. As different vendors have added more security protocols, there have been more issues. I occasionally have to go thru their site to the vendor to refresh. I only link my...
by Artful Dodger
Wed Oct 09, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1517

Re: iPhone question - purchase

We've had iPhones for a number of years, and you can get trade in credit immediately if you turn in your iPhone to the Apple Store. That may not apply in your mom's case, if she doesn't have a iPhone to trade in. Also, I just like dealing with Apple vs the phone carriers. They know their product 10x...
by Artful Dodger
Wed Oct 09, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6685

Re: What are the essential and discretionary expenses in a retirement budget?

My problem is that I do not have a huge buffer to withstand a huge downturn without affecting the quality of my lifestyle. The reality is that for most people, if they have enough money to build a liability-matching portfolio, they also have enough money to not build a liability-matching portfolio ...
by Artful Dodger
Wed Oct 09, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9536

Re: Do you carry your passport with you during international travel?

I have a copy on my iPhone. Original stays at the hotel / apartment, in the safe if there is one.
by Artful Dodger
Wed Oct 09, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8868

Re: highly compensated employee (HCE) Time bomb?

Well, yeah, this happens when you work for a stingy company that doesn't make a decent 401(k) match. It's just something to be aware of when evaluating a job opportunity. If the 401(k) match is stingy, then not only are you getting less money, but also there is a chance of HCE's running into proble...
by Artful Dodger
Wed Oct 09, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: issues with short term disability insurance
Replies: 9
Views: 744

Re: issues with short term disability insurance

I'll concur with what Research Med said above. Your 12 months starts at the time you became employed / went on the STD plan. It shouldn't matter if your employer switched companies. The new carrier will accept the employees already on the plan and either waive their pre-ex wait, or give them credit ...
by Artful Dodger
Tue Oct 08, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 3031

Re: POA Reimbursement

I was POA for my mom the last four years of her life when she had dementia. I certainly reimbursed myself for any expenses, bills, etc I paid on her behalf. It would have never occurred to me to charge her for my time.
by Artful Dodger
Tue Oct 08, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2669

Re: Find my phone -- easy way to find it when lost in the house?

I use these to help find phones and keys. Stick one on the back of your phone, and you'll be able to find it from any other phone. It has its own battery, so works when the phone battery is dead or the sound is off. https://www.thetileapp.com/en-us/ Thanks for posting. I just posted if only I had s...
by Artful Dodger
Tue Oct 08, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2669

Re: Find my phone -- easy way to find it when lost in the house?

HomeStretch wrote:
Tue Oct 08, 2019 9:54 am
Silk McCue wrote:
Tue Oct 08, 2019 9:24 am
If it is an iPhone Use Find My iPhone. Select the missing device. Select "Actions" and Click "Play Sound". Even with sound turned off it will make noise.

Cheers
+1 the sound will guide you right to the spot!
Now if I can just get my wallet and keys to play a sound I'll be in good shape. :)
by Artful Dodger
Mon Oct 07, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15945

Re: How many are switching from Fidelity?

Happy with Fidelity. Website and customer service meet my needs. Most of my money is in zero or low cost index funds, some low cost managed funds, and CDs / bonds. Very few individual stocks. I'm in their Private Client group, and expect if i wanted 50 free trades, they'd give them to me.
by Artful Dodger
Mon Oct 07, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Plan F Future Pricing
Replies: 14
Views: 944

Re: Medicare Supplement Plan F Future Pricing

Why wouldn't you just go with G? Doesn't the cheaper monthly premium basically make up for the small annual deductible you need to pay? That is the only difference between G and F. In fact, from what I've read, you often times pay more in excess F premiums over 12 months ($20-$30 extra per month, $...
by Artful Dodger
Mon Oct 07, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6685

Re: What are the essential and discretionary expenses in a retirement budget?

One other thought I have... I just spent some time downloading cc reports to come up with exactly what we spend. One problem is I'll have 40 to 50 grocery store, 30 for target or walmart, 60 or 70 for Home depot, Lowe's, Ace, Menard's, and another 50 or 60 general use charges. All these can add up t...
by Artful Dodger
Mon Oct 07, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6685

Re: What are the essential and discretionary expenses in a retirement budget?

I think your list and rationale are reasonable. Almost all the expenses you list are in my list of essential items. Travel, eating out, entertainment (concerts, shows, plays, etc) are discretionary. Some of your expenses are flexible. Groceries can be reduced or increased. Some home maintenance will...
by Artful Dodger
Fri Oct 04, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6574

Re: Do you know what your partner spends money on?

It's readily apparent who spends what in our family. I'm the main breadwinner, and control the joint account. My wife has a personal checking account which she uses infrequently. I'll transfer $300 or so into per month. We have a joint AA miles card, and she uses her card for the majority of her exp...
by Artful Dodger
Tue Sep 24, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 262
Views: 21571

Re: A 'really good book' you did NOT enjoy

I like the title of this thread. A 'really good book" you did NOT enjoy. So, in a way, I take it that many don't disagree these are held to be really good books, they just didn't enjoy them. That's fair - there are many I've read, or started, then quit. They may be really good, but not just for me. ...
by Artful Dodger
Sun Sep 22, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Out of pocket costs with Medicare
Replies: 19
Views: 1731

Re: Out of pocket costs with Medicare

It’s hard estimating costs for more than a few years. You can certainly use your most recent experience as a guide for the earlier years. I would at least get a low cost Part D RX plan and a high deductible plan F or G. Getting the Part D plan when first eligible will protect you from late enrollmen...
by Artful Dodger
Fri Sep 20, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What are some good life insurance policies?
Replies: 15
Views: 986

Re: What are some good life insurance policies?

I know this is bogleheads forum and that I maybe frowned upon here. But given how much knowledge people have in here what would be your recommendation for life insurance policy if you had to get one. Some background. I work in profession where laws suits are common. I would like to be able to shelt...
by Artful Dodger
Fri Sep 20, 2019 7:26 am
Forum: Personal Investments
Topic: Insurance Co 4.05% Cash Value
Replies: 8
Views: 773

Re: Insurance Co 4.05% Cash Value

I have some NWML policies purchased in the mid eighties. They have a minimum guaranteed dividend rate of 4%. A portion of the dividend buys paid up additions so the death benefit increases as well. I’ve tracked them for the past few years and the cash value has increased roughly 5% annually. I look ...
by Artful Dodger
Mon Sep 16, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: HR pro's: who pays 401k plan setup fees?
Replies: 7
Views: 689

Re: HR pro's: who pays 401k plan setup fees?

As noted above, most large employers and a good number of smaller employers will absorb these fees. It really is up to the employer. Did your employer make any attempt to educate the participants on the reason for the change? If the new plan will be providing better investment choices with fewer loa...
by Artful Dodger
Mon Sep 16, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Teladoc-Specifically through FloridaBlue
Replies: 5
Views: 452

Re: Teladoc-Specifically through FloridaBlue

I suggest calling your the Florida Blue plan, and ask them the details. Normally your benefit highlight or Summary of Benefits and Coverage will include the copay for telemedicine. I've seen some where it is the same as the primary office copay, some at $10 per visit, and some at $0 copay, so it doe...
by Artful Dodger
Mon Sep 16, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Real Estate Agent if Building a Home?
Replies: 14
Views: 1816

Re: Do I Need a Real Estate Agent if Building a Home?

We built our home 30 years ago. To my recollection, we paid the commission on the land price only. We then sought out architects, and provided them with a basic plan design which they modified to our liking. As noted above, you will need to get approved for and establish a construction loan. The ban...
by Artful Dodger
Mon Sep 16, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What income is excluded from Medicare earnings?
Replies: 3
Views: 548

Re: What income is excluded from Medicare earnings?

401k contributions do not reduce reported social security income, ie, you're still paying your FICA tax on the reduced income even if fed and state taxes are not paid. Reductions due to IRS code section 125 do reduce reported social security income (and tax). This would cover employee share of benef...
by Artful Dodger
Mon Sep 16, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: T-mobile vs Google Fi for Internatioanal?
Replies: 31
Views: 2107

Re: T-mobile vs Google Fi for Internatioanal?

+1 for T-Mobile. We switched from AT&T four years ago heading out for a three week trip to Europe, and both daughters were planning some extensive international travel. After four years of multiple international trips, I have no real complaints. I usually get a text on arrival, as soon as I switch o...
by Artful Dodger
Sun Sep 15, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Advice on southern Italy trip November
Replies: 16
Views: 1324

Re: Advice on southern Italy trip November

Thanks for your post. We’re thinking of doing a similar trip this spring so your itinerary and others suggestions are timely.
by Artful Dodger
Fri Sep 13, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: S Corp 199A QBI deduction
Replies: 8
Views: 551

Re: S Corp 199A QBI deduction

I pay an accountant for my s corp return and k-1. I checked and the ordinary business income was reported on line 17 of my k-1. When I did my personal taxes with turbo tax, the amount was applied and the deduction popped up on line 9 of the 1040. So, yes, I think it's better to have it shown on the ...