Search found 545 matches

by Artful Dodger
Tue Jan 22, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Forming an LLC to avoid being paid as an independent contractor?
Replies: 21
Views: 1358

Re: Forming an LLC to avoid being paid as an independent contractor?

See also IRS FS-2017-09, July 20, 2017. Thanks, I reviewed it here . I guess I am confused on why does the IRS care how the worker is classified? Either way they get the same money, no? Not necessarily, no. Different types of income are treated differently. At least one significant difference has a...
by Artful Dodger
Tue Jan 22, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Comparing health insurance company negotiated rates
Replies: 6
Views: 371

Re: Comparing health insurance company negotiated rates

Don;t know - but do you think there is that much difference in negotiated rates for different insurance companies? On an average cost of claims basis I don't see a lot of variance between the major carriers in my market. For insured plans those would be BCBS, United Health Care, and Aetna. There ar...
by Artful Dodger
Mon Jan 21, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4110

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I had a 2003 Audi A6 turbo that I bought new. It came with a 50k mile warranty. When I was close to the 50k mark, I bit the bullet and bought another 50k extension. I think it was $2400. I had been reading the Audi message board on Edmunds, and the general opinion was lease the cars, then trade up a...
by Artful Dodger
Sun Jan 20, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Survey - Total Cost of Insurance Policies
Replies: 25
Views: 1311

Re: Survey - Total Cost of Insurance Policies

You mentioned you had work based long term disability. What are the employer plan benefits and how does it compare to the individual plans you’re considering. Why are you buying $1M term plans to age 65? Maybe wait until you’re married and have children?
by Artful Dodger
Sat Jan 19, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Self Paid Health Insurance Premiums from Maternity Leave
Replies: 15
Views: 452

Re: Deducting Self Paid Health Insurance Premiums from Maternity Leave

I guess the big question is, why would the payments be post-tax simply because they were paid directly to the employer instead of withheld from a paycheck? Premiums paid via payroll deduction are almost always pre-tax. The employer has adopted a plan under IRC 125 which allows employees to reduce t...
by Artful Dodger
Sat Jan 19, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term disablity insurance?
Replies: 6
Views: 538

Re: Long-term disablity insurance?

When I worked for a large company, they provided long term disability (LTD) coverage. When I became self-employed in 2000, LTD was one of my first purchases. I paid around $2000 a year for a policy that would pay $6000 a month. Over time, premiums were increased to provide greater protection. I thin...
by Artful Dodger
Fri Jan 18, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2785

Re: What shelf liquor and your favorite cocktails?

Negroni 1 part Tanqueray 1 part Campari 1 part Cocchi Torino orange peel garnish you dont have to do it this way, but any other way is inferior. In the summer, Negroni; in the winter, switch rye (or bourbon) for the gin, and drink a Boulevardier. Late afternoon aperitif, switch club soda for the gi...
by Artful Dodger
Wed Jan 16, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2839

Re: Netflix Recommendations

I really enjoyed Babylon Berlin. The "Big Lebowski" is back on there (for now). Conan O'Brien's "Conan without Borders" is enjoyable. This past weekend I watched Train to Busan, which is a good Korean zombie flick. The White Helmets is a good documentary about rescue workers in Syria. I watched Con...
by Artful Dodger
Wed Jan 16, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2839

Re: Netflix Recommendations

Here's mine.... River - Can't get the song "I love to love" out of my mind now Happy Valley - Female cop in a small British town The Vietnam War - Ken Burns PBS documentary The Bodyguard - If you liked "Jack Ryan" on Amazon Prime I think you will love this The OA - most mind-blowing ending to a qui...
by Artful Dodger
Wed Jan 16, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11032

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by Artful Dodger
Tue Jan 15, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 12
Views: 640

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

My take is the 5500-SF is pretty easy, and you use your business EIN. For one participant plans they list the specific six areas to complete, and the filing takes 20-30 minutes. When completed, you can print off a record of the filing, which I really like. I can't figure out why the EZ is not availa...
by Artful Dodger
Mon Jan 14, 2019 6:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16691

Re: St Louis Bogleheads

Planning to come next Saturday, unless bad weather interferes.
by Artful Dodger
Mon Jan 14, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4063
Views: 1103369

Re: What Movie Have You Recently Watched?

Over the weekend On Netflix... Bernie - Jack Black - overall enjoyable; kinda weird; not sure I'd recommend unless you're a diehard Jack Black fan. The Red Violin - Samuel Jackson - an older movie; 1999? - interesting, I'd recommend. At the theater... On the Basis of Sex - Felicity Jones - RBG biopi...
by Artful Dodger
Sat Jan 12, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4439

Re: Long term care insurance policy

Also, there are no long-term care insurance policies that have premiums that are guaranteed to remain level for life. I have rate table and info on a policy with level premiums for life. There also are policies where the premium is discounted back to a single up-front premium, which is a de facto l...
by Artful Dodger
Wed Jan 09, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3530
Views: 1034905

Re: What Book Are You Currently Reading? Part VI

Just finished Educated: A Memoir by Tara Westover. It was named by New York Times one of the ten best books of 2018. In my opinion it is the best book published in 2018. I was very impressed with this memoir of woman who was raised by survivalist parents in Idaho and never attended school until she...
by Artful Dodger
Tue Jan 08, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American Airlines, Delta--about the same?

I fly American a lot, and am overall happy with them. They have some older planes, but lots of new ones. I've flown both American and United on international, and would prefer American based on past experience. No recent experience on Delta. One issue I hate, is the checked bag fee, but all three ha...
by Artful Dodger
Mon Jan 07, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Another Look at Currently-Owned LTC Policies
Replies: 6
Views: 548

Re: Another Look at Currently-Owned LTC Policies

I've had some of the same concerns as you. We purchased a policy from Genworth about 10 years ago. We had a 50% increase in premium last year, but I feel the policy cost is still reasonable for the future protection. I am more concerned about Genworth, as LTC is a major part of their portfolio, and ...
by Artful Dodger
Sat Jan 05, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 6
Views: 391

Re: Health Ins for 26yr old : which state and options?

My daughter lives in Washington state, in the Seattle metro. If your step son is in the Seattle area, that is where I would look. They have more plans, both regular insurance as well as some Medicaid plans. My understanding is they look at past three months income for Medicaid qualification, so he m...
by Artful Dodger
Sat Jan 05, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3534

Re: Recommend men's undershirts

Very reasonable cost - Hanes Comfort Blend Premium - I get the slim fit v necks.
More expensive - Pair of Thieves - in addition, they make great boxer briefs and socks.

Both available at Target.
by Artful Dodger
Fri Jan 04, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8263

Re: What Do You Spend The Most On Annually?

HomerJ wrote:
Fri Jan 04, 2019 3:55 pm
Bud Light.

I intend to retire the day I have enough money to buy 1.5 million cans of Bud Light.

I figure that should last me through 30 years of retirement.
You know, if you bought by the keg, you could cut your cost by a third, or retire for 45 years! :sharebeer
by Artful Dodger
Fri Jan 04, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8263

Re: What Do You Spend The Most On Annually?

What percentage of your income do you spend on these categories? How much do you analyze this and your budget annually? 1. Housing (Rent/Mortgage, Utilities, Improvement, Maintenance) 23.5% 2. Food & Drink (Restaurants, Groceries, Cookware) 9.5% 3. Transportation (Insurance, registration, fuel, mai...
by Artful Dodger
Fri Jan 04, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: How to compare CD to Bond fund
Replies: 14
Views: 1070

Re: How to compare CD to Bond fund

I've been keeping my CD maturities fairly short, so have a number of 3 year ones. I have one that yields 2.45% that will mature in July. For comparison, VBILX has had a 1.33% average annual return over the past three years. So, based on past performance, the CD was a better deal. As noted above, you...
by Artful Dodger
Wed Jan 02, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1350

Re: Does this car repair quote seem reasonable???

Also think about your priorities. Is your goal to keep it for another 10 years, or is this a beater you want to get a few more years out of? If the latter, find an "old school" mechanic and ask them to do basic fixes (e.g. weld in the minimum new exhaust components to be safe, not a whole assembly;...
by Artful Dodger
Wed Jan 02, 2019 1:02 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 29035

Re: Will social security be cut in 2034?

If it is even a 50% probability doesn't that change the wisdom of waiting until age 70 to start collecting? Most fall into two camps. 1) You want to get the most out of SS as early as you can, or you expect a shorter lifespan, then you'll want to collect early, or 2) You want SS to be longevity ins...
by Artful Dodger
Mon Dec 31, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and HRA together
Replies: 7
Views: 316

Re: HSA and HRA together

I’m not seeing why you can’t at least make an individual HSA account contribution. You’re saying only she and the kids are covered on the HRA, and you’re not. So, you should be eligible to contribute. Maybe you’re confusing with a FSA. If she contributes to a FSA, she’s allowed to use funds towards ...
by Artful Dodger
Mon Dec 31, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 53
Views: 9821

Re: The Power of Zero: [Book and tax planning for retirement]

I was in the library the other day, and happened to come on the new edition of this book in the recent additions section. I was pretty intrigued. Definitely turned off by the emphasis on putting money into permanent life via the LIRP, and he plays pretty fast and loose with marginal tax rates vs eff...
by Artful Dodger
Mon Dec 31, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: CD’s in Asset Allocation - Bonds or Cash
Replies: 15
Views: 991

Re: CD’s in Asset Allocation - Bonds or Cash

I would normally classify CDs as bonds. If I go to Fidelity's fixed income screener, I see CDs and bonds together in varying maturities and risk levels, so I don't see any difference. I can choose to buy a 3 year AA bond at 3.4% return, a 3 year CD at 3.1%, or 3 year AAA bond at 2.8% Also, when I ch...
by Artful Dodger
Mon Dec 31, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can you have an HSA and FSA?
Replies: 20
Views: 790

Re: Can you have an HSA and FSA?

I would double check the out of pocket limit. The $9000 is obviously a family out of pocket, so your wife probably will be subject to something less, likely $4500. Traditional plans almost always have embedded deductibles and out of pockets; HDHP plans often have aggregate deductibles and out of poc...
by Artful Dodger
Fri Dec 28, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need year end help to keep MAGI down for ACA!
Replies: 8
Views: 611

Re: Need year end help to keep MAGI down for ACA!

Could you write yourself a year end bonus, and then deduct most to go to the SIMPLE? I'm not too up on SIMPLE IRAs, as I have a self-employed 401k, but with that I'm also able to contribute an additional employer contribution of 25% of salary. Making some business purchases as you have noted. Also, ...
by Artful Dodger
Fri Dec 28, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2353

Re: Superautomatic espresso machines

I bought a Gaggia Velasca last March, and we're very pleased. It's a super automatic, so you put the beans in a hopper on top, keep the water filled, and empty the used pods drawer. Cleaning is regular, but easy. Take out the brew group and the drawer below - rinse well with water. Clean the pod dra...
by Artful Dodger
Thu Dec 27, 2018 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: My New Avatar
Replies: 23
Views: 1432

Re: My New Avatar

I've had Kipling's poem "IF" on my office wall for years. Great choice!

Of course, I just use my actual picture for my avatar. :)
by Artful Dodger
Thu Dec 27, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9319

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I guess it depends on your definition of "suffering". I'm pretty weak willed, and don't allow myself to suffer too much. I did notice some things I do on a regular basis that I consider frugal, and entail some minor suffering on my part. We drive older cars. The newest is from 2011, the other is fro...
by Artful Dodger
Mon Dec 24, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3530
Views: 1034905

Re: What Book Are You Currently Reading? Part VI

After finishing Twain's Feast, I'm listening to Mark Twain's A Connecticut Yankee In King Arthur's Court, also narrated by Nick Offerman. I read this I think as a teenager, and am enjoying the revisit.
by Artful Dodger
Mon Dec 24, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4063
Views: 1103369

Re: What Movie Have You Recently Watched?

Five stars for Springsteen on Broadway , on Netflix. This is a film of his final broadway show. A capitivating mix of storytelling and songs. Much funnier and with much more emotional depth than I expected. Watched the first part last night. Really enjoyed and will finish up over the next few days....
by Artful Dodger
Sun Dec 23, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: End of Year IRA Withdrawal
Replies: 11
Views: 503

Re: End of Year IRA Withdrawl

I have an IRA account (at Fidelity) I have never made a withdraw on the account. I need to do so BEFORE 12/31/2018 in order to claim it as income in 2018. This is very important for a number of reasons. How do I do it? Do I set up a regular investment account at Fidelity and transfer money? or Do I...
by Artful Dodger
Fri Dec 21, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern 65 Life - Keep it or dump it?
Replies: 31
Views: 2032

Re: Northwestern 65 Life - Keep it or dump it?

Thanks for all the replies! For now, I'm going to have the dividends pay the premiums from here on out just in case I need an emergency loan. I don't want to add any more $ to Northwestern. I may end up cashing it out soon (next few years?). Hi OP, I have some NWM policies I bought in the eighties....
by Artful Dodger
Thu Dec 20, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACA [when can I enroll after leaving employer]
Replies: 14
Views: 792

Re: ACA [when can I enroll after leaving employer]

As noted above, you would have needed to apply prior to 12/15 for ACA coverage to be effective 1/1 . However, the COBRA coverage sounds like a better approach, and likely will be a richer plan vs the bronze ACA plan. Assuming COBRA coverage is effective 1/1, and you don't get another employer based...
by Artful Dodger
Thu Dec 20, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790281

Re: U.S. stocks in free fall

My move to 100% cash in my 2 529s for my college-enrolled children earlier this year is looking like a better and better decision. The need to draw on these funds over the next few years pushed me to lock in the gains and sleep well. It is a testament to not taking risk with <5 year money. My retir...
by Artful Dodger
Thu Dec 20, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790281

Re: U.S. stocks in free fall

Just added $4k in my 401k to Total Market. Noted my equity AA has dropped from 52% to 47% over the past few months.
by Artful Dodger
Thu Dec 20, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: General Rule for Home appreciation over 25 year+ period?
Replies: 48
Views: 2516

Re: General Rule for Home appreciation over 25 year+ period?

We built our home in the mid nineties. Illinois side of St. Louis metro area. After home improvements (landscaping, new hardwood floors, HVAC upgrades, basement remodel), we could probably sell for what we've put into it. So, no real appreciation. There are other areas in our metro that have definit...
by Artful Dodger
Thu Dec 20, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: ACA [when can I enroll after leaving employer]
Replies: 14
Views: 792

Re: ACA [when can I enroll after leaving employer]

I will not qualify for any government subsidies so a Bronze plan runs about $1,350 and Cobra is $1,002 per month for myself and my wife. We won't qualify for subsidies due to our fairly high investment income at least based on the current thresholds. But I am definitely not complaining. As noted ab...
by Artful Dodger
Thu Dec 20, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2549

Re: Best Albums of 2018

Horsefly wrote:
Wed Dec 19, 2018 2:28 pm
Meh. There's nothing more subjective than "best" music. Everyone has different tastes. I don't force my friends to listen to my faves, and they shouldn't really care what my faves are. Neither should anyone here, frankly.
I hereby nominate Horsefly as Best Grouch of 2018! Woohoo! :beer
by Artful Dodger
Tue Dec 18, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Questions
Replies: 8
Views: 584

Re: Term Life Insurance Questions

Questions - My health is reasonable. I have always had a high BMI even when I was running 6 minute miles. How much does that matter? As long as you don't smoke, you're likely to still get preferred. Plus, at your age the differences between rate underwriting bands are minimal. - I have been losing ...
by Artful Dodger
Mon Dec 17, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8175

Re: When has being frugal or cheating out bit you in the rear?

Bought car. Drove it around. Ignored oil light. Destroyed engine. $3000 engine replacement. I fail to see where this is being frugal or cheap.......just not very smart I mean, I had heard of oil changes, but I figured they were only to optimize efficiency or something and that I could get by withou...
by Artful Dodger
Mon Dec 17, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790281

Re: U.S. stocks in free fall

This is brutal. Anyone remember another time in recent memory where the Dow regularly dropped hundreds of points a day, virtually EVERY day for weeks / months straight? Disconcerting that ANYONE would sell at these levels. They obviously think we are going lower. ETA, agree with poster up-thread wh...
by Artful Dodger
Mon Dec 17, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790281

Re: U.S. stocks in free fall

Mostly stocks here as well. Implementing what I did in 2007- not look at the balance and keep saving and buying as usual, if not a tad more. Now I have to figure out how to check my c. card balance at Fidelity (Elon) without looking at the retirement plans. They all come up on the same screen, but ...
by Artful Dodger
Mon Dec 17, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5285

Re: Marriage and separate accounts - how does it work?

Married 30+ years. We were a joint income, but now single income, though she also gets a pension. Other than the first year or so, we've had a joint account to pay all family bills. She has another account for her personal spending + misc kids stuff, gifts, or whenever she needs to write a check. Th...
by Artful Dodger
Sun Dec 16, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3530
Views: 1034905

Re: What Book Are You Currently Reading? Part VI

Twain's Feast , written by Andrew Beahrs and narrated by Nick Offerman This is an Audible Original, and was a freebie from them. The book originally came out back in 2010, but this is more of an adaption by Nick Offerman, with lots of narrative content from Beahrs. It's a real hoot. Twain, while in...
by Artful Dodger
Thu Dec 13, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22092

Re: What percentage of your net worth is your home equity?

Kind of reminds me of listening to a baseball game. You have the posts just giving the facts - like the play by play announcer. Then you have the other 80% so far which appear to be opinion - like the color commentary. Or maybe like watching CNN. A few minutes of basic explanation / answering the qu...