Search found 751 matches

by talzara
Wed Apr 24, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

I get that. But if you generate fewer new customers and your old customers die/eventually leave you, what then? Maybe it’s having really good local agents that can sell policies? That's right. State Farm is a high-cost, high-touch company. It's positioned at the opposite end of the spectrum from GE...
by talzara
Wed Apr 24, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

Re: State Farm - interesting business idea to charge more than your competitors to become a customer of theirs. What good is your 30 year loyalty discount if I have no incentive to get year 1 coverage with you? State Farm doesn't want customers who hop around. Offering a loyalty discount makes it h...
by talzara
Tue Apr 23, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

There was recently another thread which didn't have good things to say about Homesite. Here's the thread about Homesite: https://www.bogleheads.org/forum/viewtopic.php?t=277363 You really have to dissect your policy, line by line, to understand where the increase is coming from. If you can get the ...
by talzara
Tue Apr 23, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

I am comparing apples to apples for coverage and deductible. Why such wild differences? Usaa is around 2300 Amica is around 1700 Home Site via Geico is 1100 Usually you can expect the most expensive insurer to charge 200-500% of the cheapest insurer. USAA is charging 209% of Homesite, so you're sti...
by talzara
Tue Apr 23, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

Insurance rates in my state is regulated, X risk class with Y insurance options = Z price. The price difference between insurance companies is amazing easily a 3,000 difference per year. I keep the data in a spread sheet so I can look back over the years and see what that company quoted before.. In...
by talzara
Tue Apr 23, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

I did sell my soul and opted in to try their driving tracking mobile app (DriveSense). It brings the annual cost lower by $100 with the promise of that discount would increase after 6 months if the app reports that we are driving safely. They did tell me they track only three variables: (1) time of...
by talzara
Tue Apr 23, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 32
Views: 2653

Re: Home Owners Insurance - 40 percent increase

I am now keeping a spreadsheet and re quoting home and auto every year. Longevity in the insurance industry is not valued so I see no reason to stay with the same insurer every year. It takes me a few hours to go onto the web sites of each of the major insurers and request a close Apples to Apples ...
by talzara
Thu Apr 18, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3155

Re: dropping umbrella and increasing auto liability

So the plaintiff's lawyer can't easily determine your non-deeded assets, but can easily determine the existence of an umbrella policy? I'm continually learning something new on BH. In most states, insurance companies are required to disclose all applicable policy limits. If you have a supported umb...
by talzara
Thu Apr 18, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3155

Re: dropping umbrella and increasing auto liability

I just wanted to chime back in to provide a reminder that umbrella coverage generally provides more coverage when compared to home/auto policies. Umbrella typically covers some of the common frivolous lawsuit categories such as slander and mental anguish that are not covered by home/auto. Additiona...
by talzara
Thu Apr 18, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3155

Re: dropping umbrella and increasing auto liability

I have both simply because my auto policy won’t let me go above $1M. But I found the same thing as you- it is much More cost effective to increase your auto limits than umbrella. A lot of people assume the opposite and don’t actually look at the numbers. The insurance company rep advised me to simp...
by talzara
Tue Apr 09, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Homesite Insurance
Replies: 10
Views: 944

Re: Homesite Insurance

AAA is not listed here. Or is Auto CLub, CSAA, etc are AAA subsidiaries? Anyone has experience with AAA in North California for home & auto insurance? Each AAA insurance group is a separate company. They are not subsidiaries of AAA. Auto Club and CSAA are too small to be ranked in the J.D. Power su...
by talzara
Tue Apr 09, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance in Canada
Replies: 4
Views: 431

Re: Auto Insurance in Canada

If I rent a car and travel to Canada, however, the USAA representative said USAA coverage is SECONDARY to liability coverage they recommend I obtain from the rental auto agency. Interesting Haven't looked at the cost of coverage offered by rental auto companies recently but a few years back I recal...
by talzara
Mon Apr 08, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: e-file directly into IRS.gov website
Replies: 12
Views: 821

Re: e-file directly into IRS.gov website

I thought the IRS Free File was a direct input into irs.gov but if appears to be a third party form downloaded from various IRS approved websites and e-filed to IRS via the third party server from the source of the input form. Correct.If you use Free Fillable Forms, you are using an unbranded priva...
by talzara
Mon Apr 08, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: e-file directly into IRS.gov website
Replies: 12
Views: 821

Re: e-file directly into IRS.gov website

No, it is not possible. TurboTax doesn't have "your personal data" if you use their CD/download product. Intuit says that they do not keep your data if you use their CD/download product. However, the downloaded version of TurboTax also files your taxes with Intuit, not directly with the IRS. There ...
by talzara
Mon Apr 08, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: e-file directly into IRS.gov website
Replies: 12
Views: 821

Re: e-file directly into IRS.gov website

tmcc wrote:
Mon Apr 08, 2019 5:51 am
https://www.freefilefillableforms.com/#/fd

It keeps no history after the tax year completes (seemingly)
This does not file your taxes directly with the IRS.

Free Fillable Forms is a stripped-down version of TurboTax. It sends your data to Intuit.
by talzara
Mon Apr 08, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: e-file directly into IRS.gov website
Replies: 12
Views: 821

Re: e-file directly into IRS.gov website

Is it possible to e-file your federal tax data directly to IRS.gov without having to go through a third party server? No. We're not like Great Britain, Canada, Australia, New Zealand, or India, which allow you to e-file your tax return directly with the government. In 2002, the IRS signed an agreem...
by talzara
Fri Apr 05, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 1789

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

A more common need is full replacement cost on a partial loss for structural. Perhaps your old siding and old roof are considered totaled from hail and have replacement cost of $75K but their depreciated value is $20K. Is your insurance going to pay $75K or $20K (minus deductible)? I had the more f...
by talzara
Thu Apr 04, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 1789

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

I just got off the phone with my Farmers' agent and she told me that they don't offer guaranteed replacement cost. Farmers offers guaranteed replacement cost coverage as an option: The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replac...
by talzara
Thu Apr 04, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 1789

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

If I cared about dwelling coverage (I only really care about liability) I would highly recommend guaranteed replacement coverage and I think the vast majority of folks should have it. Unfortunately, essentially all of the insurance companies that advertise don't offer this coverage, so most folks a...
by talzara
Thu Apr 04, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 1789

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

My agent (Liberty Mutual) said that my coverage did not include that, but he was able to add a further 20% coverage of my dwelling for only $5/year. That's not guaranteed replacement cost. That's extended replacement cost. Guaranteed replacement cost gives you unlimited coverage if you rebuild. If ...
by talzara
Tue Apr 02, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Check from IRS
Replies: 17
Views: 2064

Re: Unexpected Check from IRS

It sure seems like an overpayment. However, I had no rollover from previous years, and I do not make estimated payments. It is indeed a mystery. You can get a copy of your 2018 account transcript from the IRS: https://www.irs.gov/individuals/get-transcript The transcript shows your tax liability, w...
by talzara
Tue Apr 02, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Check from IRS
Replies: 17
Views: 2064

Re: Unexpected US treasury check

I just e-filed my return through H&R block software on Sunday and got a check today for ~ $50. My return was a couple thousand. I checked the IRS website and it says they are still processing it (first of three bars) The check looks legit with multiple colors and watermarks and a warning on the bac...
by talzara
Mon Apr 01, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Homesite Insurance
Replies: 10
Views: 944

Re: Homesite Insurance

In my state, GEICO acts as an agent for Homesite Insurance. I get a slightly better rate (maybe around $100-$150) for homeowners insurance when I quote through GEICO (also have other insurance with GEICO) than with my current carrier ( an A++ top carrier). I have seen comments about Homesite on pre...
by talzara
Tue Mar 26, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 275

Re: Uploading attachment to e-file in HRB

That's why I asked if HRB would accept two e-filed state returns. If so, that would be the solution. A state return would only cost $20 to e-file and that is worth the hassle of printing and stapling and taking a trip to the post office. It costs $80 to prepare and e-file two state returns in H&R B...
by talzara
Tue Mar 26, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 275

Re: Uploading attachment to e-file in HRB

Can you e-file both the resident and non-resident returns? I know with our software at TaxAide, the vendor attaches an e-filed non-resident return for Delaware to a Maryland resident return. I don't know if they render a PDF and attach or just send some sort of data file. But we never send separate...
by talzara
Tue Mar 26, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 275

Re: Uploading attachment to e-file in HRB

My question is: Has anyone successfully attached a file during e-filing using HRB Deluxe download software? Resident state needs copy of the non-resident return filed as I am claiming credit. I can pdf that signed copy (not doing with software, just paper as dirt easy). Or am I out-of-luck and need...
by talzara
Tue Mar 19, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: ETF dividend "Payment in Lieu" on NON-MARGIN acct
Replies: 7
Views: 552

Re: ETF dividend "Payment in Lieu" on NON-MARGIN acct

I contacted the broker. They deny lending out my specific shares, but say they do engage in securities lending, and then they randomly allocate dividend payments-in-lieu amongst ALL customer accounts holding the ETF, not just margin accounts. They claim this is an industry-standard practice. I have...
by talzara
Tue Mar 19, 2019 6:04 pm
Forum: Personal Investments
Topic: TIAA Drawdown questions
Replies: 6
Views: 478

Re: TIAA Drawdown questions

TIAA Traditional $106000 TIAA Real Estate $59000 CREF Stock R3 (ER .31) $153000 CREF Equity Index R3 $237000 (ER .23) CREF Social Choice R3 (ER .27) $133000 TIAA CREF Lifecycle Fund $229000 (ER .10) Your husband is holding a TIAA-CREF Lifecycle Fund with a low expense ratio. Are there any other TIA...
by talzara
Mon Mar 18, 2019 8:21 pm
Forum: Personal Investments
Topic: Vanguard: "Your Account Needs to be Transitioned"
Replies: 27
Views: 4162

Re: Vanguard: "Your Account Needs to be Transitioned"

To tell the truth I don't understand that "aggregate limit of $250 million," though. If Vanguard Brokerage Services loses $1 trillion of customer securities above the SIPC limit, then Lloyd's of London will only pay $250 million. I don't either. That would seem to be far too low of an aggregate lim...
by talzara
Tue Mar 12, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Taxes
Replies: 10
Views: 413

Re: Foreign Taxes

I hold VXUS, VEA, VWO, etc. and put in "various" for the country (as suggested by Turbo Tax) TurboTax's suggestion is wrong. The correct "country" for your Vanguard international index funds is RIC. It's in the Instructions for Form 1116. You don't need to report income passed through from a mutual...
by talzara
Tue Mar 12, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1595

Re: Flaw in Oregon’s formula for taxing part-year residents?

So, despite having the same amount of Oregon income ($20,000), the person who has additional income outside of Oregon pays more tax on the same income earned in Oregon. The US Supreme Court has ruled that state taxes must be internally consistent. If you earned income in two states that have identi...
by talzara
Tue Mar 12, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Looking for New Property Casualty Insurer
Replies: 8
Views: 598

Re: Looking for New Property Casualty Insurer

Great suggestion. As to Kemper, I thought they WERE a more premium experience 🤷🏻‍♂️ The statistics disagree. Kemper has higher complaint ratios than State Farm. Homeowners Insurance Complaint Ratios 2016 2017 2018 Amica Mutual 0.20 0.19 0.32 Kemper Independence 0.83 0.58 0.37 State Farm Fire 0.37 0...
by talzara
Tue Mar 12, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax Return Question (Moved to NJ work in NYC)
Replies: 8
Views: 616

Re: State Tax Return Question (Moved to NJ work in NYC)

Actually, what I wrote is incorrect. New Jersey is the same as Massachusetts. There are a few states which don't prorate. When I moved to NJ in November 2010, I got a tax break, because NJ has a progressive tax and doesn't prorate. I paid a low NJ tax on the income I earned in NJ that year, even tho...
by talzara
Tue Mar 12, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Looking for New Property Casualty Insurer
Replies: 8
Views: 598

Re: Looking for New Property Casualty Insurer

What companies should I be looking for that look for customers like me? I'm too cheap..er..."value conscious" to go for Chubb. I have no USAA/military connection. And the last time I priced Amica it was much higher than everyone else. Erie and Auto-Owners both score very highly in the Consumer Repo...
by talzara
Sun Mar 10, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Home/Condo Insurance in Florida Recommendation
Replies: 15
Views: 1170

Re: Home/Condo Insurance in Florida Recommendation

Right now I have a quote from National Specialty Insurance Company administered by Velocity Risk Management and Safe Harbor Insurance Company. Anyone have any options on which carrier to go with? In Florida, most of the homeowners insurance premium goes to pay for hurricanes. In 2004-2005, Florida ...
by talzara
Sat Mar 09, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax Return Question (Moved to NJ work in NYC)
Replies: 8
Views: 616

Re: State Tax Return Question (Moved to NJ work in NYC)

Do I need to fill out part year tax returns for MA and NY/NJ? I just receive W-2 income, so is it pretty clear cut that the MA income goes on the MA return, but not NY/NJ, and vice versa? You need to file a Massachusetts part-year resident return, a New York nonresident return, and a New Jersey par...
by talzara
Sat Mar 02, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: MSCI increases China A shares in index to 20% from 5%
Replies: 13
Views: 1639

Re: MSCI increases China A shares in index to 20% from 5%

Speaking of FTSE, they will be including China A shares in the global indexes starting in June 2019. The inclusion factor will start at 5% and reach 25% in March 2020. FTSE press release, September 2018: https://www.ftserussell.com/sites/default/files/ftse_russell_country_classification_news_release...
by talzara
Sat Mar 02, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: MSCI increases China A shares in index to 20% from 5%
Replies: 13
Views: 1639

Re: MSCI increases China A shares in index to 20% from 5%

A FTSE press release refers to Approximately 5% initial A Shares weighting in the FTSE Emerging inclusion indexes, rising to 32% when China A Shares become fully available to international investors. No wonder people are confused. Even FTSE's own press release from 2015 couldn't keep things straigh...
by talzara
Sat Mar 02, 2019 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Financial Health Question
Replies: 16
Views: 2072

Re: Vanguard's Financial Health Question

"All investing is subject to risk, including the possible loss of the money you invest. Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corp...
by talzara
Sat Mar 02, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: MSCI increases China A shares in index to 20% from 5%
Replies: 13
Views: 1639

Re: MSCI increases China A shares in index to 20% from 5%

Download the MSCI Global Investable Market Indexes Methodology (February 2019) , then search for "inclusion factor". Section "1.1.1 Index Market Capitalization" has the definition and how it fits into the calculations. Section "1.1.2 Example Calculation" shows an example calculation for market cap....
by talzara
Thu Feb 28, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: MSCI increases China A shares in index to 20% from 5%
Replies: 13
Views: 1639

Re: MSCI increases China A shares in index to 20% from 5%

Hopefully. Why would a market weight focused investor want an equal weight in every country except China? EDIT: Does the FTSE Emerging Markets All Cap China A Inclusion Index only have 5% A Shares? 5% is an inclusion factor. It's not the percentage of the index that's China A shares. The FTSE Emerg...
by talzara
Thu Feb 28, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: MSCI increases China A shares in index to 20% from 5%
Replies: 13
Views: 1639

MSCI changes China A inclusion factor from 5% to 20%

MSCI increases China A shares in index to 20% from 5% MSCI is increasing the China A shares inclusion factor from 5% to 20%. China A shares are only increasing from 0.71% of the index to 2.82% of the index, based on market values from September 3, 2018. MSCI press release: https://www.msci.com/docu...
by talzara
Tue Feb 19, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 29
Views: 2636

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

Sorry didn't see this until now and felt I should respond. Frequency of rate changes has nothing to do with rate capping. In the scenario you describe, the premium would indeed go up every renewl, not every other renewal. No, that's the scenario that you described. On the exactly 10% increases: it ...
by talzara
Tue Feb 19, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 10083

Re: More Bad News for USAA Bank

This is a common business model for lots of insurance companies. I have personal knowledge that The Hartford and Chubb both are umbrella entities for perhaps a dozen or more little, wholly owned, insurance companies which you've likely never heard of. When you sign up with The Hartford or Chubb you...
by talzara
Mon Feb 18, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: " Vanguard doesn’t bare its finances. Should investors care?"
Replies: 25
Views: 2341

Re: " Vanguard doesn’t bare its finances. Should investors care?"

Simply not true. Vanguard's Statement of Financial Condition: https://personal.vanguard.com/pdf/sofcdec.pdf hmmm.....wonder why the Cash Flow Statement and Income Statement were omitted???? The Statement of Financial Condition follows a format that is defined by the SEC. It's not supposed to have a...
by talzara
Mon Feb 18, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 10083

Re: More Bad News for USAA Bank

What I said is true, happened to me. They raised rates every year but said they wouldn’t cancel. Basically grandfathered those that had insurance but continued raising rates. Then they suspended all new policies in Florida unless the person was active duty. Otherwise, no policy. So by raising rates...
by talzara
Mon Feb 18, 2019 12:57 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 127
Views: 14368

Re: Theory: NOW is the Best Time for Total World Stock

Perhaps the portfolio visualizer used a different index somewhere in there, but it would surprise me to be that far off. Is it possible that either or both of our sources could have missed something relative to currency fluctuations? In the future, please press the Quote button on the post that you...
by talzara
Mon Feb 18, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 10083

Re: More Bad News for USAA Bank

Yep - me too - went to Progressive. And they forced all Floridians out of home insurance after the 04 hurricanes. That's not true. USAA is the only large national homeowners insurer that stayed in Florida after the 2004-2005 hurricanes. Of the ten largest homeowners insurers in Florida today, eight...
by talzara
Sat Feb 16, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Get an umbrella and reduce limits on vehicle coverage?
Replies: 23
Views: 999

Re: Get an umbrella and reduce limits on vehicle coverage?

I could not get an umbrella until I had the max limits on auto first. Umbrella policies do not require maximum limits on the underlying auto policy. They require specific limits. Most of the large insurers will write $1 million of primary auto liability, but they only require $300k to write an umbr...
by talzara
Sat Feb 16, 2019 11:53 am
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 127
Views: 14368

Re: Theory: NOW is the Best Time for Total World Stock

- From 1986-2018, the US has increased its World Market Share from 30% to 54% - The US outperformed Int'l by over 3.5% CAGR over these 33 years - In 1989, the US fell to its lowest world share of 18% of World Cap in recent history Where do these numbers come from? The Credit Suisse 2018 Yearbook ha...