Search found 622 matches

by Artful Dodger
Wed Jun 19, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 27
Views: 1986

Re: Good times: 2008 vs Now

Consulted my Magic 8 Ball. It said "Reply hazy, try again." So I tried again. It said "Cannot predict now." That's the best I can do. ;) Want to nip this in the bud before this post goes off the rails. I'm not asking for predictions, just what people who are older than, say, 40 think of the economy...
by Artful Dodger
Tue Jun 18, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Life after COBRA - selecting new health insurance
Replies: 24
Views: 1488

Re: Life after COBRA - selecting new health insurance

Hi Earl, I'm on the Illinois side, but in the St. Louis metro so am familiar with the area. I work in employee benefits, so know about the plans employers buy, but not so much about the individual exchange offerings. I did take a look at the ACA marketplace in Missouri, however. One question I had w...
by Artful Dodger
Wed Jun 12, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1098
Views: 153152

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I appreciate this thread. We recently began looking for a compact SUV for my wife, and drove the CR-V, Mazda CX5, Toyota RAV 4, and the Subaru Forester & Outback. My wife made the final decision, and we went with the Forester. The CR-V was a strong second, but the comments on this thread and regular...
by Artful Dodger
Tue Jun 11, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2180

Re: Luxembourg--worth visiting?

We landed there via an Icelandair flight in 1983. Spent 3 days and had a good time. As mentioned above, there is the U.S. Cemetary, Patton's grave. Took an afternoon tour of the highlights. You're also a short drive (or workable train ride) to the Rhine cities - Cologne, Koblenz - about 2 hours, may...
by Artful Dodger
Wed Jun 05, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer miles for kids. Can I use them?
Replies: 12
Views: 683

Re: Frequent Flyer miles for kids. Can I use them?

Anyone know what to do with kid and their flights? I have a several FF accounts and so does my wife but my kids seldom fly. We're going to Europe, should be 15k miles per person. - Can I get them accounts? (age 14, 16) - Or better yet, can I somehow "have" their miles? :mrgreen: Thanks Definitely s...
by Artful Dodger
Wed Jun 05, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Healthcare
Replies: 8
Views: 972

Re: Healthcare

Agreed but theoretically, if a person wasn't enrolled in any medical plan, came down with a medical issue and say this occurred a few months prior to the ACA open enrollment period. At that point, couldn't they enroll in an ACA plan and be fully covered from that point on? I am not advocating for t...
by Artful Dodger
Wed Jun 05, 2019 12:07 pm
Forum: Investing - Theory, News & General
Topic: "Stay course" conflicts: Help me understand.
Replies: 10
Views: 1241

Re: "Stay course" conflicts: Help me understand.

So, here is what the Wiki says... This is perhaps the most challenging part of Boglehead investing, but is essential to its success. Bogleheads adopt a reasonable investment plan and then stay the course. When index funds were dramatically outperforming all the alternatives in the 1990's, this advic...
by Artful Dodger
Tue Jun 04, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?
Replies: 18
Views: 956

Re: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?

Mackinac Island. https://www.mackinacisland.org/ Grand Hotel https://www.mackinacisland.org/lodging/grand-hotel/ Mackinac Island is 4 1/2 hours drive, plus ferry time. The Grand Hotel is probably $900 a night, though that includes food. It is really cool, though. Traverse City is almost four hours ...
by Artful Dodger
Tue Jun 04, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3782
Views: 1090250

Re: What Book Are You Currently Reading? Part VI

Thoroughly enjoying The Golden Ocean by Patrick O'Brian. He wrote this before starting the Audrey / Maturin books. Well written and different perspective than his later books; life in the midshipmen's berth on a lengthy voyage in the mid 1700s.
by Artful Dodger
Tue Jun 04, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Healthcare
Replies: 8
Views: 972

Re: Healthcare

For a SEP, you would have to experience an involuntary loss of minimum essential coverage. What you are presenting is 1) voluntary cancellation, and 2) short term plans are not considered minimum essential coverage.

So...No

You would have to wait until the annual January open enrollment.
by Artful Dodger
Sun May 26, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2039

Re: Prius Prime plug in

Duplicate deleted
by Artful Dodger
Sat May 25, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2039

Re: Prius Prime plug in

Thanks, everyone. The responses regarding comfort on longer drives are reassuring. Thanks as well for the warnings regarding sunroofs and aftermarket sunroofs. I have no problem with sunroofs in general. I think most cars we've owned over the last 30 years had sunroofs, and I'd never heard of or exp...
by Artful Dodger
Fri May 24, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5369

Re: This rake is the best tool I've bought this week

Ben Mathew wrote:
Thu May 23, 2019 2:57 pm
Other toys for the yard:

Eley hose reel

Felco F-2 shears

The Felco shears are nice to have, but the Eley hose reel is a game changer!
My wife is a big fan of the Felco shears. I guess I am too, since they're the only ones we own. :D
by Artful Dodger
Fri May 24, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2039

Prius Prime plug in

Hi All, Does anybody own / have experience with the Prius plug in? We've been looking for a new care for my wife. I thought she wanted a small SUV, but we test drove the Prius plug in when we visited the Toyota dealer. It is the premium package with larger screen. She really likes it, except it does...
by Artful Dodger
Tue May 07, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8619

Re: Anyone else looking forward to Game of Thrones?

Is the series fairly honest to the books? I have to say sometimes there seem to be 50 sub-plots going on at the same time, and I found myself re-watching episodes that left me confused. When I do get HBO again I plan to start at the beginning and work my way through the entire series. Would the boo...
by Artful Dodger
Sat Apr 27, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 87
Views: 4630

Re: Why I don't think I should get long term care insurance right now

Markcoop, I think your math error is in applying the 5% inflation rider to your PREMIUM. My understanding is that inflation rider only applies to you COVERAGE. Annual premiums stay the same each year, unless raised for everyone in your class of coverage. That’s the advantage of buying LTC earlier, ...
by Artful Dodger
Sat Apr 27, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 87
Views: 4630

Re: Why I don't think I should get long term care insurance right now

There has to be a mistake somewhere. The premiums you quoted - $2.3 million over 47 years work out to almost $50,000 a year. We bought policies ten years ago when we were 55 and 56, and paid $2650 annually, then got a bump to $3950 annual. That's for a five year policy for each with 5% compound infl...
by Artful Dodger
Mon Apr 15, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4248

Re: Things to do in Indiana

One oddball suggestion: if you are dining in downtown Indy, you might try St. Elmo Fire Steakhouse. Great food, but be sure and order the shrimp cocktail as an appetizer. While you're waiting for yours, look around the restaurant as others start to take their first bites: dip in a shrimp, bite, "Th...
by Artful Dodger
Sat Apr 13, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: No single place to find tax advice for sole proprietors
Replies: 5
Views: 453

Re: No single place to find tax advice for sole proprietors

Some of your questions just don't have answers. Basically you're asking "how far can I push limits", and the answers will vary from person to person. Different people can do exactly the same thing with dramatically different results. I was an independent contractor for many years. At some point you...
by Artful Dodger
Fri Apr 12, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3782
Views: 1090250

Re: What Book Are You Currently Reading? Part VI

mak1277 wrote:
Tue Apr 09, 2019 8:34 am
Two-thirds of the way through On the Road. I was really hoping for something inspirational, but thus far I think it's just crap.
Beautifully written crap, though. I always think of this book when I see posts from Dean Moriarty.
by Artful Dodger
Thu Apr 11, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 51
Views: 4728

Re: Junk bonds undervalued due to boglehead popularity?

For what it's worth, about 10% of my fixed allocation is in HY (Vanguard & Artisan HY).
by Artful Dodger
Thu Apr 11, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K vs. SEP-IRA
Replies: 18
Views: 744

Re: Individual 401K vs. SEP-IRA

I was under the impression that an employee can create a plan if they are self employed (i.e. 1099 with an LLC) or a W2 without a plan offered by their employer, is this not correct? If she is a 1099 independent contractor, she can set up either a self-employed 401k or SEP IRA. The contribution lim...
by Artful Dodger
Wed Apr 10, 2019 7:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3101

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

Having worked for a company that occasionally offered products that were loss leaders, those consumers who took them up on the offer benefitted greatly. One side benefit to the company was that some customers over generalized and assumed the company was more competitive on other services when they w...
by Artful Dodger
Tue Apr 09, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5316

Re: Standard Deduction vs Itemizing - Experience this year

We’re similar that with one of us 65, the standard deduction was $26,300. I knew last year, with the changes, I would take the standard deduction. Property tax and state income tax came in around $14k but would have been capped at $10k. We’re at the tail end of our mortgage, and interest was around ...
by Artful Dodger
Mon Apr 08, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Medical Insurance when moving to another state
Replies: 13
Views: 730

Re: Medical Insurance when moving to another state

As QuantAndHold noted almost all policies will cover ER or urgent care at in-network levels anywhere in the country, and sometimes outside of the country. Since you have BCBS, in addition to out of area emergency care, you may be covered for normal medical care via their BlueCard program which is a ...
by Artful Dodger
Thu Apr 04, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Person to evaluate whole life policies
Replies: 6
Views: 601

Re: Person to evaluate whole life policies

Hello AD, I can not recommend anyone that will give you an evaluation on your policies. Why did you purchase them? Is the need for coverage still there? Older policies, like you may be referring to, often are worth keeping regardless of the LI value that they cover because the returns may be better...
by Artful Dodger
Thu Apr 04, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP Through S-Corp
Replies: 12
Views: 649

Re: HDHP Through S-Corp

Wife and I own an S-Corp together through a side business. We are the only employees and both on payroll. Health insurance is covered through my day job (HDHP) with an HSA. However, my wife will no longer be covered under my day job. I am looking to get my wife covered. Can I buy a HDHP for her thr...
by Artful Dodger
Thu Apr 04, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Person to evaluate whole life policies
Replies: 6
Views: 601

Re: Person to evaluate whole life policies

I spent some time looking through past posts this morning, and found the person who I had seen recommended. I'll probably contact him. James H Hunt 8 Tahanto St. Concord, NH 03301 jameshhunt8@gmail.com 603-224-2805 (Early evenings and weekends OK) If there are any other recommendations, I would appr...
by Artful Dodger
Thu Apr 04, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7103

Re: What? No Income?

I now have a 40k/year job where I don't have to work. I think I'll try to find this kind of job. Just kidding. You can easily get this type of job. As Lemongrab said, it’s a pension. At your and spouses age, $850,000 will get you a $40,000 pension (SPIA)(no inflation protection) that will pay to th...
by Artful Dodger
Thu Apr 04, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2480

Re: Federal tax refund? What are you doing with it?

This is the first year in many that I got a refund. New tax rates plus additional section 199a deduction provided a $2k refund which was applied to 1st quarterly estimated taxes.
by Artful Dodger
Wed Apr 03, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Person to evaluate whole life policies
Replies: 6
Views: 601

Person to evaluate whole life policies

Hi, I recall reading some of the posts in the past regarding whole life, there was a person or service mentioned that will evaluate your policies for a fee. I seem to remember $100 to $125 for the service. I've had some policies since the mid eighties, and just kept them. When they were written, the...
by Artful Dodger
Wed Apr 03, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 2727

Re: Is $650 for a Roof Inspection Too Much?

About 5 years ago, we had a serious hail storm that hit our area, and we were inundated by roofing companies wanting to do roof inspections. We took one up on their offer which was no charge. They found some damage, and provided the report and estimate for repair to our insurance company. There was ...
by Artful Dodger
Sun Mar 31, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: How can I get a handle on income taxes in retirement?
Replies: 33
Views: 2991

Re: How can I get a handle on income taxes in retirement?

In an attempt to be more succinct, let me restate my actionable question: As a high income earner, the current breakdown of our spending is 20% on living expenses and 80% on income taxes. I’m having a hard time understanding the above. Federal tax rate on joint income above $612k is 37%. Even if yo...
by Artful Dodger
Fri Mar 29, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Shut off water before a vacation
Replies: 78
Views: 5945

Re: Shut off water before a vacation

We had a flood about 12 years ago. A fitting came loose under our kitchen sink. I know, pretty odd. We had gone away overnight. Got a call the next morning from our neighbor who had come over to check on our dog. $20K+ in damage. Big, big pain :x :( So, if we're gone overnight... We shut off at insi...
by Artful Dodger
Wed Mar 27, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 77
Views: 7062

Re: Recommend a good SOCK. Yes, I said SOCK!

My wife has been buying Bomba's which are great. For an athletic sock, I buy Balega's. About $14 a pair. You can buy through Amazon, or I will pick up at REI when I have a 20% off, or some other sale promo. For those interested, if you need a shoe / arch support, I find the Superfeet inserts at $50 ...
by Artful Dodger
Tue Mar 26, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3782
Views: 1090250

Re: What Book Are You Currently Reading? Part VI

Too Big to Fail by Andrew Ross Sorkin . It's an inside look on the 2008 financial crisis. ... Agree on the Sorkin book as one of the best on the crisis, although there are many good ones. Another that has stayed with me since reading it in 2011 is All The Devils Are Here by Bethany McLean and Joe N...
by Artful Dodger
Mon Mar 25, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Illinois State Tax Loophole? What am I missing?
Replies: 48
Views: 3664

Re: Illinois State Tax Loophole? What am I missing?

I've been doing these conversions for the past few years. I have stepped up the amounts now for two reasons. One, our new lower tax rates are set to expire in 6 or 7 years, and don't mind paying the Federal piper now. Two, I am not so confident Illinois will continue excluding retirement income from...
by Artful Dodger
Thu Mar 21, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5241

Re: Do you still wear a necktie to work?

I rarely wear a tie, suit, or jacket to the office. But almost all client contact is out of the office and I’ll usually wear a suit and tie. If I go to an industry meeting most men will wear a tie, often with jacket or suit. I do recall a few years ago, one guy seemed adamant that he wasn’t going to...
by Artful Dodger
Wed Mar 20, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12861

Re: Fell in Love with Fidelity

Hi bck63, Long time Fidelity customer here. I've been very happy with their service. Some features I use regularly. Fullview - I have all my accounts from other institutions linked. Quick way to get a big picture of all my financial accounts, life insurance, mortgage / home value. I leave out my CC ...
by Artful Dodger
Wed Mar 20, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I owe taxes on a hi-fi audio gear hobby?
Replies: 27
Views: 2187

Re: Do I owe taxes on a hi-fi audio gear hobby?

I had to deal with this a few years ago. My wife has done a lot of craft hobbies / businesses over the years. In the beginning, I set up a business account, filed a schedule C, paid state income tax, and paid sales tax to my state for items sold. After a while, I figured there was little to no profi...
by Artful Dodger
Fri Mar 15, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Increase in Long Term Care Insurance for My Parents - Can They?
Replies: 65
Views: 4894

Re: Massive Increase in Long Term Care Insurance for My Parents - Can They?

I think those policies were a common product of the 1980s (as seen here). Yes, this is it. My folks had a similar plan that was nursing home only. They bought it in the late 80s, and I don't think assisted living centers or home care were very common back then (or at least something you bought insu...
by Artful Dodger
Fri Mar 15, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Fraction of insurance companies revenue goes to paying out claims?
Replies: 34
Views: 2391

Re: Fraction of insurance companies revenue goes to paying out claims?

I can speak pretty knowledgeably about group health insurance, as I was a carrier rep for 19 years, then a broker/consultant for another 19. As mentioned above, in the insured small group and individual market, since the ACA, the law has required carriers maintain a 80% loss ratio for individual and...
by Artful Dodger
Thu Mar 14, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7895

Re: Bright daughter wants to work for nonprofit

First of all, where are the posters with dumb sons and dumb daughters? Everyone seems to have smarter than average children, but I rarely run into parents with stupider than average children. But to answer your question, your adult daughter needs to live her life. Whether she is financially success...
by Artful Dodger
Thu Mar 14, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Switch from average day care to fancy one?
Replies: 31
Views: 2017

Re: Switch from average day care to fancy one?

Our 2.8 year old kid will soon be transitioning to the next class at 3. He is currently in an "average" day care that is right next to our house. Nothing spectacular, nothing bad.. Lot of younger teachers and diversity. He is happy there and always seems glad to be there.. There is a fancier daycar...
by Artful Dodger
Thu Mar 14, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: SWR and Social Security
Replies: 36
Views: 3668

Re: SWR and Social Security

Caution: Thread drift to dispel fear of sequence risk. (1) Sequence risk does not suddenly sneak up on retirees who periodically compare their annual spending to their remaining portfolio balance. I wonder if it is just marketing to scare retirees into hiring an advisor to manage their savings. McC...
by Artful Dodger
Thu Mar 14, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4523
Views: 1165434

Re: What Movie Have You Recently Watched?

Topper on Turner Classic Movies (TCM) channel. This is a classic comedy (1937) starring Cary Grant, Constance Bennett, Roland Young and Billie Burke. Ghosts of a fun living couple try to help a hen pecked banker loosen up. One of my favorites. It was a good movie in general but Roland Young was by ...
by Artful Dodger
Wed Mar 06, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2153

Re: HSA Charging Monthly Fee - How to Avoid it?

Hi Folks, My HSA (Health Savings Account) is charging a monthly maintenance fee of about $3 per month. Is there any way I can avoid this fee? I called and asked but they said the only way is to terminate the account... Wondering how other people deal with this. Thanks. Most will waive the fee when ...
by Artful Dodger
Tue Mar 05, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: My S-Corp took a loss this year, but nothing printed on K1, is normal?
Replies: 7
Views: 437

Re: My S-Corp took a loss this year, but nothing printed on K1, is normal?

There has to be something wrong. I think it would be the same as line 21 on the 1120s. If you have a loss, it should show on the K-1, then be carried over to the 1040 schedule 1, then to the 1040. I'm not an accountant, but that is the simple answer. There may be some rules regarding loans, passive ...
by Artful Dodger
Tue Mar 05, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Estimates in Retirement
Replies: 15
Views: 1166

Re: Tax Estimates in Retirement

I have been doing some modeling around retirment spending and taxes associated with it. The ORP tool has been interesting to use and I have spent some quality time with it. The time spent with ORP has led me to simply look at my taxes in what I consider to be the most conservative light that also s...
by Artful Dodger
Tue Mar 05, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Global Entry Application turnaround times?
Replies: 35
Views: 3159

Re: Global Entry Application turnaround times?

We applied in 2017. Applied online Nov. 6, conditional approval Nov. 17. The main delay was interview openings at our local airport, and the first available was mid March 2018. We got our cards about two weeks later. I was notified we could have gone through earlier interviews at other airports, but...