Search found 68 matches

by FireAway
Fri Jan 17, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Optimal thermostat settings
Replies: 18
Views: 1178

Re: Optimal thermostat settings

For a system like this, you always save money by keeping the house colder. The colder, and the longer, the more money you save. So your second scenario is more energy efficient, since it has the temp set lower for longer. The calculation changes a bit if you have a heat pump (where you need to consi...
by FireAway
Fri Jan 03, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Coincidence, or something more sinister?
Replies: 14
Views: 2356

Re: Coincidence, or something more sinister?

You (not Verizon) should call the police in the town where the cell phone transaction was attempted, and ask them investigate the identity theft issue. (Verizon won't - they don't care, and have no grounds to file a complaint)
by FireAway
Tue Dec 10, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2409

Re: Amazon Echo, Alexa, and privacy concerns

Bottom line: Any device in your house with a mic or camera and an internet connection (A smart speaker, a TV, your laptop, your cellphone) COULD be spying on you, but probably isn't. You should have as much trust in the hardware as you do in the company that writes the software for it. For me, that ...
by FireAway
Fri Nov 15, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension vs lump sum Q, with a twist
Replies: 6
Views: 512

Re: Yet another pension vs lump sum Q, with a twist

You might consider taking the lump sum, increasing it by a relatively low annual growth rate - say 3% to 2027 and then seeing what a 4% SWR would give you. Well, see, there's the rub, the 'twist' referred to in the subject: I've done the rate of return calculations, and IF I believe that inflation ...
by FireAway
Thu Nov 14, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension vs lump sum Q, with a twist
Replies: 6
Views: 512

Re: Yet another pension vs lump sum Q, with a twist

A couple couple of things to consider. 2) Find out what happens to the money if you both die before starting the pension. In many cases your estate would not get anything . Yeah, there would be nothing. Of course I wouldn't need it then :), but it would be nice to leave it for my children. The lump...
by FireAway
Thu Nov 14, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension vs lump sum Q, with a twist
Replies: 6
Views: 512

Yet another pension vs lump sum Q, with a twist

I know this concept in general has been discussed ad nauseam, but there's one aspect I haven't seen covered, and that is timing (I know, BHs don't like to talk about timing!) I've retired (early), and there is a standing offer from Megacorp to take my (small) non-COLA pension as a lump sum.  The onl...
by FireAway
Sat Nov 02, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: How does part-year dependent affect ACA premium subsidy?
Replies: 5
Views: 402

Re: How does part-year dependent affect ACA premium subsidy?

Thanks marco, that's very helpful. I hadn't thought about the 'separate families' aspect. Although this will help me preserve the subsidy, it does mean I'll need to crank my MAGI down substantially! One minor correction to your numbers, I think the standard FPL level used for 2020 coverage is 25,750...
by FireAway
Sat Nov 02, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: How does part-year dependent affect ACA premium subsidy?
Replies: 5
Views: 402

How does part-year dependent affect ACA premium subsidy?

I expect my son to graduate college next year and become gainfully employed. So, for 6+ months he'll be a dependant, and for slightly less than that he won't be. I'm pretty sure the IRS will let me claim him as a dependant for tax purposes (and I don't think dependency is pro-rated), but I'm wonderi...
by FireAway
Tue Oct 22, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 2883

Re: How many estimates do you get when you need work done on your house?

I usually get 2 or 3, then decide that they're all too damn high and/or the contractors are too flaky, and end up doing the work myself.
by FireAway
Sun Sep 15, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1762

Re: Please help me understand I-orp results

So I-Orp is advocating a sub 3% withdrawal rate. That is ridiculously low in my opinion and I am sure most on this forum would agree. (I realize there are a few very conservative folks here who believe sub 3% withdraws are prudent.) I-ORP is advocating a withdrawal rate that leaves you with exactly...
by FireAway
Sun Sep 15, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9762

Re: Do You Tip At Counter Service Restaurants?

I just click "$0", which seems a fair amount for the service I've received.
by FireAway
Mon Sep 09, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4687

Re: Costco washer/dryer delivery: tipping?

I don't see the need to tip someone for just doing a job that they're already being paid to do. It's amazing to me that tipping has gradually gone from something you do "for extraordinary service", to "just doing your job", to "Well, they didn't put TOO many dents in the wall".
by FireAway
Sat Sep 07, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 156
Views: 15149

Re: Equifax settlement: how to file claim?

I opted for the "$125", as I don't trust Equifax for anything (I can't even get into their website, and the fact that they have incorrect data on me - which I can't correct - means I always have trouble whenever someone tries to 'verify my identity' using data from Equifax. Grrr.) Today I got the "P...
by FireAway
Fri Sep 06, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money by buying CDs?
Replies: 24
Views: 2665

Re: Can you lose money by buying CDs?

CDs are generally insured by FDIC, which has a 250K per investor per institution limit. So, if you had more than that in a bank that failed, you could lose. (CD rates are so good right now that I have over 250K, so I've split my accounts among banks and between my spouse and I to ensure I don't go o...
by FireAway
Thu Jul 18, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 8976

Re: Harrassed at work, what steps to take to protect her future employment

Or it could simply be: 1) old person 2) didn't save enough to retire 3) doesn't want to work forever 4) angling for a lawsuit Occam's razor Occam's razor directs us to choose the explanation which requires the fewest assumptions and least speculation. Your explanation requires a great deal of assum...
by FireAway
Thu Jul 18, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: Help me understand R vs R-squared
Replies: 15
Views: 1694

Re: Help me understand R vs R-squared

Qualitatively, they're about the same, so if you're using the number for some inference, it doesn't really matter, they indicate the same thing (though of course 'r' will have a sign to indicate the direction of the correlation). Quantitatively or numerically, r-squared is useful because it tells yo...
by FireAway
Thu Jul 11, 2019 2:39 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 470
Views: 62797

Re: Your USER NAME...what does it mean?

A few years ago I was pushed out of my job when MegaCorp wanted to remake the company's demographics, and I didn't fit the demo they were looking for. I looked at the numbers and decided I wasn't unemployed, I was FIREd (Financially Independent; Retired Early). Hence, "FireAway".
by FireAway
Sat Jul 06, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 2204

Re: Update: Credit Union paid out on a stopped check from 2017

ANY chance that this is some semi-fly-by-night company that, er, "does this" (hold old checks, and after being paid with a new check, LATER casually "cash" the old check? That's what I was thinking, except maybe it's just a single dishonest employee. I would get the police involved here, there's a ...
by FireAway
Sat Jun 29, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerages with respectable cash sweep
Replies: 6
Views: 1137

Re: Brokerages with respectable cash sweep

I get dividends, interest payments, etc. etc. at least a few times a week. I'd prefer all those little things go into an interest-paying vehicle ASAP, and only log in and make a transaction when they amount to something more substantial.
by FireAway
Fri Jun 28, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerages with respectable cash sweep
Replies: 6
Views: 1137

Re: Brokerages with respectable cash sweep

What is 'automatic'? I had to manually request that TDA use PTTXX (earning about 1.78%) as my cash sweep, now cash is automatically swept there...
by FireAway
Wed Jun 26, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 66
Views: 7085

Re: Equifax: can’t log in

Equifax is a joke and a nightmare. I spent 2 hours on the phone with them yesterday just trying to get my identity verified so they could talk to me. All the info they have about me seems to be incorrect, so the answer to just about every question is 'none of the above'. They ask me how much my mont...
by FireAway
Wed Jun 19, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Help with math
Replies: 34
Views: 2474

Re: Help with math

This is like saying "If I add 2+2 I get 4, but if I multiply 3 times 3 I get 9". There is no comparison between those two situations, so unless we know the real world situation - why are you comparing these 2 vastly different cash flows? - its hard to help.
by FireAway
Sun Jun 16, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1146

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

One thing to note, if (when) your coil does go bad, you're dumping raw gas into the catalytic converter - which can poison it, leading to an expensive repair. That blinking CEL means "take it to the mechanic now", so don't delay.
by FireAway
Thu Jun 13, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 4091

Re: Do you repair your own appliances?

Yeah, I've fixed most of the appliances we now own - fridge, washer/dryer, oven, dishwasher, etc. It's so easy nowadays when Youtube will show you how, and Amazon will ship you a part within a day or two. And I'm guessing (have paid for a repairman in decades) that just having the repairman make a h...
by FireAway
Tue Jun 11, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 3258

Re: Anyone buying Beyond Meat stock?

Gleops2 wrote:
Tue Jun 11, 2019 12:38 pm
BYND shares quite a few of the ingredients in Rachel Ray's DOG FOOD.
I just looked at the ingredient list for my dog's food, and apparently one of the main ingredients is the same thing they put in fried chicken: chicken meat. Guess I'm never eating fried chicken again. :oops:
by FireAway
Tue Jun 04, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4940

Re: Paying half of my paycheck on health insurance?

Shamefully, ACA will have no subsidy for people who "are already eligible for employer sponsored plans"... Not strictly true... having access to an affordable employer plan makes you ineligible for a subsidy. "Affordable" means your share of the coverage is less than 9.56% of your household income....
by FireAway
Mon Jun 03, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4083

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I use Ublock Origin, works great. Unfortunately, Google has decided to disallow ad blockers on the Chrome browser! https://www.forbes.com/sites/kateoflahertyuk/2019/05/30/google-just-gave-2-billion-chrome-users-a-reason-to-switch-to-firefox/#68412d3d751f Not sure when this will happen, but when it d...
by FireAway
Fri May 10, 2019 2:46 pm
Forum: Personal Investments
Topic: Brokered CDs - how to pick
Replies: 21
Views: 1934

Re: Brokered CDs - how to pick

What's the advantage of a brokered CD, as compared to buying from a bank? I've never seen any pros, other than specific durations - say, if I have some money from a stock sale and know I'll need it in 4.5 months, I'll find a brokered CD with that duration.
by FireAway
Tue Apr 16, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1020
Views: 110300

Is Fidelity sitting on my money?

I opened a Fidelity HSA Mar 21, and mailed them a transfer of assets request the next day to transfer from my old HSA at a credit union. A week later, I saw the funds disappear from the original HSA. I never saw the funds appear in the Fidelity HSA, so I contacted Fidelity last week. They said they ...
by FireAway
Thu Mar 21, 2019 2:54 pm
Forum: Personal Investments
Topic: 529 distribution as Obamacare income?
Replies: 1
Views: 241

Re: 529 distribution as Obamacare income?

No, provided the distribution was used to pay for qualified education expenses, then it is not counted as income.
by FireAway
Mon Mar 11, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Not allowed to reserve multiple United flights departing at different times from same destination on same day?
Replies: 40
Views: 2802

Re: Not allowed to reserve multiple United flights departing at different times from same destination on same day?

I believe the way to have avoided this would have been to call and cancel your earlier reservation rather than being a no show. You'd have eaten the cost of the ticket either way, but it would have confirmed your travel plan with the airline. Why cancel, if it's paid for already? Because it makes i...
by FireAway
Thu Feb 14, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29660

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Or if not in NY, print state, put in envelope, mail. This is what I typically do. Not worth it to me to spend extra to avoid 2-3 minutes work; especially if I don't have a refund coming. Same here. My Federal return is usually reams of paper which would be a hassle to mail; my state return is just ...
by FireAway
Thu Feb 14, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29660

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Or if not in NY, print state, put in envelope, mail. This is what I typically do. Not worth it to me to spend extra to avoid 2-3 minutes work; especially if I don't have a refund coming. Same here. My Federal return is usually reams of paper which would be a hassle to mail; my state return is just ...
by FireAway
Mon Feb 11, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and income tax in a FIRE situation
Replies: 8
Views: 688

Re: ESPP and income tax in a FIRE situation

So obviously I'm not an expert here, and this is different from my situation, but I would say that if the IRS says you need to report it as wage income then it counts as wage income for IRA contributions. IRS Pub 590-A is the document which should cover this, and I can't see where they carve out any...
by FireAway
Mon Feb 11, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and income tax in a FIRE situation
Replies: 8
Views: 688

Re: ESPP and income tax in a FIRE situation

Well, you've lost me. Exercising an option is not the same as selling shares; and in general exercising an option WILL result in income (if exercising means "buying below FMV"). I'm not sure whether you're talking about options, or shares, or selling shares purchased earlier as an option exercise. A...
by FireAway
Mon Feb 11, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and income tax in a FIRE situation
Replies: 8
Views: 688

Re: ESPP and income tax in a FIRE situation

No, selling stock gets you a capital gain (short or long term), not earned income, and doesn't get you the ability to contribute to IRA. When I received ESPP shares, I got them at a discount to market price. That discount DID count as income, and was taxed as such in the year I received the shares. ...
by FireAway
Sun Feb 10, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29660

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

H&R BLock Deluxe + State + efile + 5% Amazon bonus is down to $24.99 at Amazon currently; lowest it's been for awhile.
by FireAway
Wed Feb 06, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes and avoiding ACA cliff
Replies: 10
Views: 949

Doing taxes and avoiding ACA cliff

I plan my income so that I come as close as possible to, but stay under, the ACA premium tax credit cliff. (I try to get as close as possible in order to harvest cap gains at 0%, and/or do Roth conversion). By Dec 31, I had it worked out to be pretty close. When I actually do my taxes for 2018, if I...
by FireAway
Wed Jan 23, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 7
Views: 960

Re: Quarterly Taxes

Back of the envelope, with a 50K income and a 12K deduction, most of that 5K 'extra' income will be in the 12% bracket, meaning you're going to owe an additional $600 in Fed income tax. There is generally a penalty and back interest owed for underwithholding. However, you don't have to pay the penal...
by FireAway
Mon Jan 07, 2019 4:07 pm
Forum: Personal Investments
Topic: Best brokerage for TIPS?
Replies: 7
Views: 594

Best brokerage for TIPS?

I currently trade with TDA, but I'm trying to invest more in TIPS, and TDA makes this difficult. In the past I've bought them at auction, but now TDA has shrunk the window for doing so down to just a few hours (you can't place an order until sometime on the day before the auction), and I've missed a...
by FireAway
Fri Dec 28, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - economic position
Replies: 5
Views: 349

Re: Tax loss harvesting - economic position

I have some overweight positions that I'm trying to sell off in order to diversify. I do some TLH (of other positions) in order to keep my income under the limit for ACA premium credits and 0% LTCG tax. Beyond that, I don't TLH, because really all it's doing is deferring taxes. Since I expect to be ...
by FireAway
Fri Dec 21, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Pesticides for residence
Replies: 26
Views: 1856

Re: Pesticides for residence

+1 on this recommendation. This website has great information, advice, and pesticides. Just as good as what the commercial guys would use.
by FireAway
Thu Dec 13, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1673

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

It's "fifty-two nine".
Or, "26 score and nine", if you want to be elaborate.

:D
by FireAway
Fri Nov 23, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29660

Re: H&R Block deluxe $18 at Amazon

Sorry, did a search and somehow didn't see it.

Here's the main thread: viewtopic.php?f=2&t=262899
Moderator, delete if you'd like.
by FireAway
Fri Nov 23, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29660

H&R Block deluxe $18 at Amazon

[Thread merged into here, see below (next page) --admin LadyGeek] I think this is the best possible deal - H&R Block 2018 Deluxe + state + free (federal) e-file + 5% Amazon bonus on refunds - $18 today. https://www.amazon.com/s/?search-alias=aps&tag=bogleheads.org-20&field-keywords=H%26R+Block+delu...
by FireAway
Sat Oct 13, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Do 529 and DAF count for wash sales
Replies: 6
Views: 552

Re: Do 529 and DAF count for wash sales

dm200 wrote:
Sat Oct 13, 2018 2:03 pm
The DAF balance is not your money - so I cannot see how the DAF can matter.
And when the asset goes into the DAF, you're not selling it, you're donating it. So still, no impact on wash.
by FireAway
Fri Sep 21, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3304

Re: Simple-minded sayings?

If you can't find an easy solution, you just aren't trying hard enough.
by FireAway
Mon Sep 17, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3858

Re: a low grade in a 9th-grade test

Were the previous A's "honest" A's? At my children's high school, the norm for homework was for everybody to just copy the answers from whoever got them first. This is made easy by instagram, snapchat, text, facetime, etc. For tests, children were permitted to retake as many times as necessary to ge...
by FireAway
Mon Sep 10, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Having wife take SS early?
Replies: 5
Views: 861

Re: Having wife take SS early?

I've used this optimizer:

https://opensocialsecurity.com/
by FireAway
Mon Sep 03, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 171465

Re: Re:

I drink Ninkasi Total Domination IPA. One on Friday night and one on Saturday night. I don't drink during the work week. $5.19/single 22 oz beer? :shock: You're always going to take it in the shorts when buying 22oz bombers. Total Domination is often available at my Costco, for ~$27 a case - less t...