Search found 964 matches

by bluebolt
Mon Nov 11, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: How donating appreciated stocks save taxes?
Replies: 13
Views: 689

Re: How donating appreciated stocks save taxes?

So if I am not going to sell the shares anyways, and the donation would be from a bank account, then no extra tax savings? I am trying to decide if it worth the hassle to fill those forms to donate stocks, vs the ease of using the credit card and/or checks to donate to a charity. I find that it tak...
by bluebolt
Sat Nov 09, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4226

Re: Weddings - The good? The bad?

If you have a band or DJ, add songs that are annoying to you to a do-not-play list. E.g. Electric slide, chicken dance, etc.
by bluebolt
Tue Nov 05, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Verizon or AT&T for mobile phone service
Replies: 6
Views: 474

Re: Verizon or AT&T for mobile phone service

Very location dependent. I have used both in my area and there's not a noticeable difference in terms of service in most places.

I believe Verizon may have more friendly device unlocking policies if that's important to you. Either way, you can bring your own device to eliminate that as an issue.
by bluebolt
Mon Nov 04, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3829

Re: Wedding gift from brother

Does the brother have a bunch of nice pictures of the couple? A well put together photo album might be nice.
by bluebolt
Sun Nov 03, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10561

Re: Apple Pay. Does anyone use it?

As others have commented maybe the info is already out there, but my bottom line which I think got lost in transmission was are you willing to peel back another layer of privacy to save a few seconds at the checkout line? As has been previously mentioned, Apple Pay is more secure than using your cr...
by bluebolt
Fri Nov 01, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10561

Re: Apple Pay. Does anyone use it?

I use both Apple Pay and Google Pay (depending on which phone I have). Like others have mentioned, Kroger and Walmart do not take them but I assume if enough people use Apple/Google they will cave. It would be great if everyone took them as it would that I would no longer need to keep any credits c...
by bluebolt
Thu Oct 31, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12448

Re: Possible Layoff: Need Assurance That We Will Be Okay

I need to know what kind of furniture people are buying for 40k. Serious question because I have filled up a 3,000 SF house full of furniture for like 8k. But I don’t like a lot of extra stuff. How much house are you buying and where do you buy this furniture from? Well, we currently rent a 1 bedro...
by bluebolt
Thu Oct 31, 2019 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide on HSA
Replies: 21
Views: 1117

Re: Help me decide on HSA

If you have expensive prescriptions, one thing to verify is whether the prescription drug costs are only covered once you hit your deductible under the HDHP. Some HDHP plans work that way and the prescription coverage only kicks in once you have hit your deductible.
by bluebolt
Tue Oct 29, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10561

Re: Apple Pay. Does anyone use it?

But how do you use this at a restaurant where they take your card somewhere and then come back with a receipt to sign? You don't hand the server your phone or watch or a card they can't swipe. You don't. But if they come over with a portable card reader like they do in Europe and some restaurants i...
by bluebolt
Tue Oct 29, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 1811

Re: Wireless exterior video camera

I think a Wyze exterior camera is going to be announced soon - they teased it in an announcement last week.
by bluebolt
Sun Oct 27, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Adventures in iPhoning [should I upgrade now?]
Replies: 14
Views: 1005

Re: Adventures in iPhoning [should I upgrade now?]

Depending on which iPhone you currently have, you could be getting one or more of the following by upgrading to a new iPhone: 1) faster processing speed; 2) OLED display; 3) Face ID; and 4) better cameras. #1 won't be much of a difference if you have an iPhone 6S or later. #2 is only if you get the...
by bluebolt
Sat Oct 26, 2019 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 2818

Re: Sanity check on PPO vs HDHP

The HDHP my company offers beats the PPO at the no-spending, max deductible, and max out-of-pocket points. Due to the HSA subsidy they provide, this year so far I *made* money on my health plan.
by bluebolt
Fri Oct 18, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9931

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

You have a very outdated view of technology and what modern developers work on. As greg24 mentioned, the bsd foundation of MacOS makes it a much more natural development environment for many developers. I'm sure we could argue about this until the cows come home. Here's what platforms "programmers"...
by bluebolt
Fri Oct 18, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9931

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I think iphones appeal to folks who aren't too techy, don't want to mess with anything to make it work, and just want it to be reliable. And who uses phones the most in your ecosystem? I have a degree in computer science and “mess with” computer stuff at work. I have an iPhone because I’m sick of d...
by bluebolt
Thu Oct 17, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9931

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

So true, most of iPhone users 85% are almost always completely not tech savvy. Think of a population of 65+ yo who can't use their computer well and swear off Windows OS. Also, they repeat the same phrase over and over, "better security". Bla bla bla. It's like a sheep parroting non sense over and ...
by bluebolt
Wed Oct 16, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9931

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I think iphones appeal to folks who aren't too techy, don't want to mess with anything to make it work, and just want it to be reliable. And who uses phones the most in your ecosystem? In mine, it's the women in my life. My wife gets a million texts a day and she's constantly in touch with her moth...
by bluebolt
Wed Oct 16, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9931

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Number one biggest issue for me is OS upgrades. Unless you have a Pixel, you may be at the whim of the device manufacturer AND carrier. Case in point - I bought a Motorola phone in Fall 2016 that came with Android Marshmallow and advertised that Android Nougat would be supported. Nougat was released...
by bluebolt
Fri Oct 11, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Hilton location - can only be called from landline?
Replies: 27
Views: 2165

Re: Hilton location - can only be called from landline?

You can try Google Voice or Skype calling.
by bluebolt
Wed Oct 09, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3393

Re: Consumer Reports

Wirecutter.com is a decent free online alternative, but Consumer Reports is good as an additional source (and a primary source for car reviews).
by bluebolt
Tue Oct 08, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3349

Re: Returned first iPhone; are they all like this?

I'm not sure what you mean by no word wrap in Safari. If a site is mobile-friendly, it should adjust the view to the proper width and Safari will handle it properly. If the site isn't adjusting to the view properly, it's not really a Safari issue. Maybe an example will help.
by bluebolt
Mon Oct 07, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax guy my mom hired has me paying suspiciously high tax on investments
Replies: 46
Views: 6559

Re: Tax guy my mom hired has me paying suspiciously high tax on investments

It is probably true that if you have a fund that has been distributing gains then that fund would have less unrealized gain upon being sold, but it would not likely be true you would be anywhere near zero on that. If they've been distributing the gains all this time, and I've been paying the tax al...
by bluebolt
Sun Oct 06, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6146

Re: Social Security Card as Identification for Real ID

A few more gotchas that I noted (in Massachusetts): - They won't accept a laminated SS card (I had considered laminating mine at one point to preserve it). - Some proof of address documents needed to be 90 days old or less. This requirement was not spelled out on all of the different lists I saw fo...
by bluebolt
Sun Oct 06, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 1954

Re: replacing Smoke Detectors (not just batteries)

Many times you can find a contractor pack of 6 or 8 at a slightly reduced price. Cut the circuit breaker off and have at it. Is it true that newer houses don't have circuit breakers for the smoke detectors? Someone said it's code where I live. Seems a safety risk in itself to not have a breaker for...
by bluebolt
Sun Oct 06, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 5587

Re: At wits end with mortgage company issues

One possibility is that if you make the payment before the first, it applies as an additional payment, since you don't "owe" the payment yet. So it's possible that your payment on the 31st got applied as an additional payment in the previous month versus the standard payment for the month you meant....
by bluebolt
Sun Oct 06, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Desperate for mattress help (Awara)
Replies: 8
Views: 641

Re: Desperate for mattress help (Awara)

There's a furniture store around here that gives you 60 days with your mattress. If you are unsatisfied, you can exchange it for another mattress. If the new mattress is of greater value, you pay the difference. If not, you don't get any money back. We used this policy as the first mattress ended up...
by bluebolt
Fri Oct 04, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

Visit onebag.com for an entire site/community devoted to traveling light & carry on luggage.
by bluebolt
Wed Oct 02, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1395

Re: Question about calling around for car insurance quotes

On some of the insurance companies' web sites, you can enter in your own claim info and change it to see how quotes change (Geico works this way). They will always check your actual driving record before they give you a final quote. Generally, I see your approach as being a big waste of time because...
by bluebolt
Wed Oct 02, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Will or trust question
Replies: 18
Views: 1591

Re: Will or trust question

Can you contest a will or trust if you think its done unfairly even though you did receive a small portion? Could I be proven wrong and only get the amount said in the will or trust? Unfairly according to whom? If it represents the deceased's wishes, then it's unclear what you could contest. Obviou...
by bluebolt
Wed Oct 02, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 11488

Re: Anyonw driving Uber for fun and pocket money in retirement?

I rode in an Uber with a guy who lives in the suburbs and commutes downtown. He told me he turns on the app when he leaves his house, usually gets to take someone downtown (or nearby). I think he can set a drop off area to enable this. He leaves enough time to account for the fact that the ride migh...
by bluebolt
Sat Sep 28, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jewellery Insurance
Replies: 5
Views: 438

Re: Jewellery Insurance

Don't know if it's a good rate or not, but it's a lower rate than I have with my insurer which is about 1.3% per year. Some of it may be location dependent.
by bluebolt
Fri Sep 27, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for transfer ownership of house to irrevocable trust?
Replies: 14
Views: 1234

Re: Considerations for transfer ownership of house to irrevocable trust?

I have not transferred real estate to an irrevocable trust. But I have heard if you do you need to update the homeowner policy to reflect the trust as a “named insured.” Ah! Insurance considerations are not something I had previously thought of. Thanks. I had to pay a small additional premium ($30)...
by bluebolt
Fri Sep 27, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping method for home/auto/umbrella insurance?
Replies: 13
Views: 933

Re: Comparison shopping method for home/auto/umbrella insurance?

Does anyone know if Geico is the only one you need to contact directly when shopping around? I have been comparison shopping and it seems like the 2 indie agents I have contacted use similar companies in their search. I did note someone posted it may be better to contact all companies directly. Ami...
by bluebolt
Fri Sep 27, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping method for home/auto/umbrella insurance?
Replies: 13
Views: 933

Re: Comparison shopping method for home/auto/umbrella insurance?

Is it to have an independent agent run comparisons from their insurers, and then directly contact some other companies that don't use independent agents? I just did this. Used an independent agent to shop around and I got direct quotes from Geico. I ended up getting auto from Geico and homeowners/u...
by bluebolt
Wed Sep 25, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is considered credit card debt - Mortgage Qualification
Replies: 8
Views: 553

Re: What is considered credit card debt - Mortgage Qualification

kaudrey wrote:
Wed Sep 25, 2019 3:53 pm
Just say zero if you don't carry a balance.
The bank will pull a credit report and see the balances. In my experience, it doesn't have an impact if your utilization is low and it's not significant to your DTI.
by bluebolt
Wed Sep 25, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is considered credit card debt - Mortgage Qualification
Replies: 8
Views: 553

Re: What is considered credit card debt - Mortgage Qualification

I wouldn't worry about it if you have 800+ scores with under 5% utilization. Avoid high total utilization or high utilization on a single account and you will be fine.
by bluebolt
Mon Sep 23, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Need help opening a HELOC
Replies: 20
Views: 1395

Re: Need help opening a HELOC

In the real world HELOCs can be frozen at any time. I had a big one with GMAC with a lot of available credit that magically vanished in 2008. Just something to be aware of. I had a similar experience despite my neighborhood/metro not experiencing a significant reduction in home prices. Very frustra...
by bluebolt
Sun Sep 22, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Headphone Functionality
Replies: 5
Views: 457

Re: Headphone Functionality

I solved this problem by buying a Yamaha AV receiver that has a separately controlled audio out into which I plug my wireless headphones. I have to turn on "party mode" to enable the separate audio out, but that's just a single button press on the remote. The volume controls are independent.
by bluebolt
Sat Sep 21, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 695

Re: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

I just switched homeowners mid-policy year. The new insurance company sent forms to the old one to cancel on the date the new policy took effect. I contacted the bank that holds my mortgage and they told me I could pay the new company directly, I needed to request homeowners be removed from my escro...
by bluebolt
Fri Sep 20, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8132

Re: How to handle "split-the-bill" group lunches?

I don't mind splitting checks evenly myself since most of my friends are generally considerate in situations like that. However, if someone didn't order drinks/dessert, I will raise the issue on their behalf and suggest that they pay less or don't leave a tip to make up for it. Most of the time they...
by bluebolt
Fri Sep 20, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I see a fee-only financial advisor or keep DIY?
Replies: 20
Views: 1265

Re: Should I see a fee-based financial advisor or keep DIY?

Re: #1. I went through that exercise several years ago to simplify my life. Generally, it was very straightforward and Fidelity helped out a lot. Didn't take too much time. Make sure you ask about being reimbursed for any account closing/transfer fees as they will generally do it if you ask and are ...
by bluebolt
Fri Sep 20, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11596

Re: How do you spend money to gain time? (young family)

In no particular order, here are some time saving things I do, some of which require spending money, some don't: I have 20 pairs of exactly the same sock. No need to pair up doing laundry and no decision to make picking out socks. If one gets a hole, I just throw that one out, no need to get rid of ...
by bluebolt
Tue Sep 17, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1289

Re: Facing very short gap without health insurance, options

I would contact an insurance broker in her state. Possibly an exchange plan, short term plan or catastrophic plan would work.
by bluebolt
Tue Sep 17, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 43
Views: 4687

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

6-month renewal update - my premium with GEICO has remained exactly the same, $269. USAA is quoting me $508 for similar coverages. I intend to cancel my renters and valuable personal property policies with USAA so I can get $1400 out of my subscriber's account and sell what might as well be an indi...
by bluebolt
Mon Sep 16, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Options for travel emergencies - AAA, Amex, travel agencies, etc.
Replies: 14
Views: 827

Re: Options for travel emergencies - AAA, Amex, travel agencies, etc.

I've had more than one travel emergency. I get medical evacuation insurance if I'm going to be in a place that's not near first world medical facilities. Other people/companies that have been helpful: 1) Staff at the hotel where I was staying after a medical situation. Made phone calls for us, helpe...
by bluebolt
Mon Sep 16, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Mortgage
Replies: 16
Views: 1090

Re: Advice on Mortgage

Do you have a decent emergency fund? How many months expenses? Any other income? How long do you expect it to be before you find a job?

The answers to these questions will help determine what to do.
by bluebolt
Fri Sep 13, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1342

Re: Need gift ideas for my parents

Depending on how much use they would get out of them - laptop, iPad, Kindle, Apple Watch. Are *all* experiences out? Would they enjoy tickets to a concert or show that they might not otherwise buy themselves? Private chef at their home to cook a fancy meal. Concur with the family photo shoot idea ab...
by bluebolt
Tue Sep 10, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5244

Re: Can this girl "go wild?"

As long as your required expenses are covered and you are disciplined enough to keep within your discretionary budget, I see no reason why you need detailed tracking.

I would think 25 years of experience would give you a pretty good handle on your spending.
by bluebolt
Tue Sep 10, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4428

Re: Equifax breach settlement update?

https://www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement If you filed a claim before August 2, 2019, and requested the alternative compensation of up to $125, you will get an email letting you know that there are further steps you must take to get your benefits. Foll...
by bluebolt
Sun Sep 08, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stick windfall for school
Replies: 7
Views: 746

Re: Where to stick windfall for school

Rewards checking, CD ladder or money market fund.