Search found 6 matches

by NoProbLlama
Thu Mar 14, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fraction of insurance companies revenue goes to paying out claims?
Replies: 34
Views: 2670

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

I'm not exactly sure what OP is hoping to glean from this information. But I'd caution against drawing the conclusion that more claims/revenue equates to more efficient operations and/or pricing. There can be significant risk to under-priced products in insurance, and lower prices should not be the ...
by NoProbLlama
Fri Feb 15, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35355

Re: [2018 tax return - How does it compare to previous years?]

Effective FIT rate by year: 2013: 11.54% 2014: 12.27% 2015: 12.00% 2016: 14.40% 2017: 15.72% 2018: 13.12% In 2016 & 2017 we redirected a good chunk of savings from Traditional 401k to cash for a house downpayment. House was purchased late 2017, and property taxes on it pushed us above the SALT 10k l...
by NoProbLlama
Mon Feb 11, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35355

Re: Smaller tax refunds this year? Clear explanation please

Also, I think most companies auto-adjusted withholding rates last year. Note, of course, those 'middle income' folks in high SALT states will see a cap in thier deductions...... For nearly all the people I know with a legitimate increase in effective tax rate this year, it was caused by the $10k ca...
by NoProbLlama
Tue Jan 29, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 11392

Re: An emergency fund cautionary tale

I really like Betterments explanation of this. Thanks for sharing this link. I hadn't seen it before & I'm always a sucker for stochastic simulation graphs. Our setup is 3 months of expenses at Ally & another 3 months in the Fidelity brokerage (structured similar to what the Betterment link above d...
by NoProbLlama
Sat Jan 26, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 23
Views: 4956

Re: weighted blankets

I purchased one of these just a few weeks ago for DW's birthday & she's basically lived under it every minute she's at the house. I'd never heard of these until I saw it on this forum in the "best purchases of 2018" thread. After the initial sticker shock of those prices for "just a blanket", I fina...
by NoProbLlama
Sat Jan 26, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Finding a House Cleaning Service
Replies: 5
Views: 488

Finding a House Cleaning Service

I was surprised at how frequently this was mentioned in the lifestyle creep & happiness thread, so I'm thinking we might give it a try. But it feels very foreign & we're second-guessing every detail (e.g., national chain vs. local services, licensing/insurance/bonding, etc). I'd really enjoy hearing...