Search found 171 matches

by bagelhead
Sat Oct 13, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Buy new car with 25% tax credit vs. Keep old car
Replies: 9
Views: 906

Buy new car with 25% tax credit vs. Keep old car

What do the Bogleheads recommend when faced with the choice of Buying a new $30k car with 25% off the out-the-door price via tax credit vs. Keeping a 10-year-old originally priced $30k car? The older car was bought new, has 130k miles, is well maintained, and has had not any problems except a recent...
by bagelhead
Sun Oct 07, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4231

New Car: No Collision/Comprehensive?

If one can self-insure on a paid off new car, is there any significant advantage to getting Collision and Comprehensive insurance? Specifically, is there any scenario where one gets into an accident and needs either the insurance company's representatives or their lawyers to assist -- but they will ...
by bagelhead
Sun Oct 07, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Bodily Injury: Auto Insurance
Replies: 3
Views: 366

Uninsured Motorist Bodily Injury: Auto Insurance

I would like to re-visit an old thread from 2008 re: Uninsured motorist bodily injury insurance. There were persuasive arguments on both sides with possibly both sides right for their respective personal scenarios . https://www.bogleheads.org/forum/viewtopic.php?f=2&t=27008 As Wagnerjb described in ...
by bagelhead
Sun Oct 07, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1676

Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

Assume one has auto liability insurance but NO collision/comprehensive. If one rents a car with the Fidelity Visa Signature card, is everything insurance-wise fully covered?

Is there any advantage to paying extra for American Express's PRIMARY insurance coverage feature?
by bagelhead
Sat Oct 06, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Virtual Assistants
Replies: 0
Views: 193

Virtual Assistants

Has anyone used any of the online Virtual Assistants? If so, what are the good companies? Are there any issues in using the cheaper non-US-based VA's?

Most of the VA companies seem to charge monthly rates for X hours. Are there any good companies that charge hourly?
by bagelhead
Sat Jul 28, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Old Employer Bought Out, New Employer Not Honoring Existing Contract
Replies: 20
Views: 2695

Re: Old Employer Bought Out, New Employer Not Honoring Existing Contract

The original contract could have been cancelled by either original party, as documented in the contract, by giving an X-day notice. Assuming the contract does not describe what would occur in the instance of a company buy out, is there an obvious answer to whether the contract is by default adopted ...
by bagelhead
Sat Jul 28, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Old Employer Bought Out, New Employer Not Honoring Existing Contract
Replies: 20
Views: 2695

Old Employer Bought Out, New Employer Not Honoring Existing Contract

Assume one has been receiving an Annual Raise as formally documented in an existing contract with their employer. The employer has subsequently been bought out by a different company. No new contract was signed with the new company. At the new year, the new company states they will not pay the Annua...
by bagelhead
Wed Jul 11, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7770

Re: Building a Pool

In addition to the "$3000 maintenance cost", when building a new pool, won't there also be:

Property tax will be re-assessed higher. $50,000 higher = $500-$1500 more property taxes/yr?
Home insurance will increase. Maybe $200-1000/yr higher?
by bagelhead
Thu Apr 12, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2490

Cedar Fence: is Maintenance required?

For a cedar fence, I have read different things on "required" maintenance, specifically, anything that will extend the life of the fence (not cosmetic things like turning grey to brown). 1. Is there any maintenance that clearly extends the life of a cedar fence? - Does staining or watersealing exten...
by bagelhead
Sat Mar 31, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: HVAC: R22 Freon leak, Replaced by 427A Retrofit
Replies: 14
Views: 1468

Re: HVAC: R22 Freon leak, Replaced by 427A Retrofit

One web site, admittedly a biased HVAC company, sounded alarmist saying that retrofits should be a last resort and can potentially damage the underlying compressor or coil.
by bagelhead
Sat Mar 31, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: HVAC: R22 Freon leak, Replaced by 427A Retrofit
Replies: 14
Views: 1468

HVAC: R22 Freon leak, Replaced by 427A Retrofit

Hi,

Just wanted to hear any thoughts on the following. Newly installed AC Coil used existing R22 from existing Condenser. R22 leaked shortly after installation. HVAC company replaced R22 with retrofit 427A.

Thanks.
by bagelhead
Mon Feb 05, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Transferring Cell # to VoIP (like Google Voice)
Replies: 2
Views: 392

Transferring Cell # to VoIP (like Google Voice)

For someone who wants to get a new cell number but save their existing cell number, what is the best free way to do this? Google Voice used to offer the option to Port over a number, but the option seems to be no longer available. Ooma charges $100 for the base station. Is this necessary to setup an...
by bagelhead
Sun Jan 21, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Dental Braces at Very Early Age. Any Orthodontists?
Replies: 2
Views: 477

Dental Braces at Very Early Age. Any Orthodontists?

Classically, orthodontic treatment has begun around the early teenage age. However, there is some literature (or marketing?) recommending early orthodontic treatment as early as age 7. Do the Bogleheads or any Orthodontists have any non-biased thoughts on this trend? Is it completely unnecessary, is...
by bagelhead
Sun Jan 14, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 8135

Re: Hot Water Delay at faucet/shower far from water heater

I have a hot water recirculator for my rather large house since it was built and it works great. Without that it would take 5 minutes for hot water to get to the master bedroom shower. That's your solution, will cost you a few hundred. The pump itself is about $300. This is a preferred solution. Bu...
by bagelhead
Mon Jan 08, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 8135

Hot Water Delay at faucet/shower far from water heater

I would like to know how Bogleheads have solved the common problem of hot water taking a long time to arrive at a faucet/shower located from the water heater. I have done some research and am considering the following. Problem: At a far bathroom, it takes 4 minutes of running hot water from the show...
by bagelhead
Sat Oct 28, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: FSA(2018) funds to pay for Date-of-Service(2017)
Replies: 1
Views: 230

FSA(2018) funds to pay for Date-of-Service(2017)

Hi,

If one has a medical bill with a date of service in 2017 that does not settle with the insurance company until 2018, can FSA funds that were deposited in 2018 be used to pay for this bill?

Thanks.
by bagelhead
Wed Oct 18, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 1
Views: 271

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by bagelhead
Thu Jul 20, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Replacing Carpet in Gameroom and Bedrooms
Replies: 11
Views: 998

Replacing Carpet in Gameroom and Bedrooms

It seems like complete carpet replacement (including removal/disposal and installation) runs around $5-10/sqft, which puts it around the same price as lower end hardwood, luxury vinyl wood/tile, and laminate. For a medium end home in a medium end neighborhood, low traffic in the bedroom/hallways, an...
by bagelhead
Fri Jul 14, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Two 1099 Jobs - Self-Employment Tax Question
Replies: 2
Views: 382

Re: Two 1099 Jobs - Self-Employment Tax Question

That clarifies everything. Thank you.
by bagelhead
Fri Jul 14, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Two 1099 Jobs - Self-Employment Tax Question
Replies: 2
Views: 382

Two 1099 Jobs - Self-Employment Tax Question

If one has a 1099 job and has already paid the full employer and employee SS taxes up to the $118,500 max, and that person gets a second unrelated 1099 job, what SS taxes are due? Just employer? Also, my understanding is that an additional 2.9% Medicare tax will apply to all of the income and an add...
by bagelhead
Thu Jun 22, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Asset allocation & Buying House
Replies: 1
Views: 332

Asset allocation & Buying House

I read threads discussing whether one should consider home equity as part of their asset allocation and whether mortgages should be treated as a negative bond. I did not fully understand the discussion, in particular why many feel housing equity should not be counted towards AA. Let's assume one alr...
by bagelhead
Wed Jun 07, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 4163

Buying a House with an Old but Working Roof

If one finds a suitable house except its roof is 5-10 years away from its "average expected lifespan", is in working condition (i.e., passes inspection), and has had one minor repair in its lifetime (e.g., replacing a section of tiles, replacing underlayment), would you buy this house? Two issues I ...
by bagelhead
Mon May 29, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Better to receive Bonus $ as W2 or 1099?
Replies: 4
Views: 915

Better to receive Bonus $ as W2 or 1099?

If one is going to receive a bonus type payment from an affiliated but different company, is it better to receive that payment through one's own company as a larger-than-usual W2 paycheck, or is it better to receive a separate 1099 paycheck from the other company? Assume a higher overall income with...
by bagelhead
Sun May 28, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 22
Views: 2643

House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

A 40 year old house had a few interior and exterior doors that were difficult to open (had to yank hard) and close completely (had to push firmly). The showing agent suggested that it is likely due to foundation issues. Tile or wall cracks were not easily visible, although not adequately inspected. ...
by bagelhead
Wed Apr 12, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5830

Car Breaks Down on Long Road Trip

If one is vacationing via a long road trip and has a car full of passengers and things, what is the best strategy for dealing with a car break down that will allow the trip to continue and will also deal with the disabled vehicle? Assume: - SUV completely filled with 6 passengers and their things. -...
by bagelhead
Tue Apr 04, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3603

Buying House with Odor (not cigarette)

There is a suitable house for sale that has an unusual odor. Everyone agrees it is not cigarette smoke, but no one can identify what it is. The smell only bothers 1 of the 4 members of the buying family. It makes that person's breathing feel slightly tight. Should this be a deal breaker for buying t...
by bagelhead
Sat Apr 01, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Seller received insurance check for Roof replacement & wants to give check to Buyer
Replies: 7
Views: 1134

Seller received insurance check for Roof replacement & wants to give check to Buyer

The home seller received a $25,000 check from their insurance company for a roof replacement after a hail storm. They have not yet repaired the roof themselves, because the roofing companies are not available for several months (as everyone is making claims). The seller has offered to give this chec...
by bagelhead
Sun Mar 05, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Rental Car Insurance (No Collision Insurance)
Replies: 7
Views: 1265

Re: Rental Car Insurance (No Collision Insurance)

What if you have 2 cars and one of them has collision insurance but the other does not? Does your own insurance still cover the rental car?
by bagelhead
Thu Jan 19, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Charitable donations from self-employed business
Replies: 1
Views: 238

Charitable donations from self-employed business

Hi, This question assumes one is self-employed with 1099 income and makes a charitable donation. One can deductible the donation under his personal income tax but will still pay payroll tax. Is it possible to make the same donation under one's business and, if so, is the tax deduction different (e.g...
by bagelhead
Wed Jan 11, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 13
Views: 1791

Re: Diminished Value: report through own or other party's insurance?

I was in a car accident many years ago that resulted in significant damage to my car. The other party was at fault, but he only had enough insurance to cover the repairs. I filed a diminished value claim under my insurance. The insurance company tried to keep delaying things, hoping I woud go away....
by bagelhead
Wed Jan 11, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 13
Views: 1791

Re: Diminished Value: report through own or other party's insurance?

Sure. Ask for 1/2 of the value of the repairs from the other party's insurance company. There really is no hard and fast way to calculate diminished value. The insurance company won't send out someone to inspect your car. Easiest way is to ask them to pay 1/2 of the value of the repairs as diminish...
by bagelhead
Wed Jan 11, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 13
Views: 1791

Re: Diminished Value: report through own or other party's insurance?

The insurance company paying the diminished value has to assess the quality of the repairs in order to decide on the diminished value amount.

If one wants to cash the repair damage check instead of using it to repair the car, is there any way to still get the diminished value claim?
by bagelhead
Sat Nov 26, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 13
Views: 1791

Re: Diminished Value: report through own or other party's insurance?

I agree with your preference to go through one's own insurance company. However, one's own insurance company will not include the DV in their claim against the other party's insurance. The question is, can one file through their own insurance company for the repairs and also separately file a DV cla...
by bagelhead
Fri Nov 25, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 13
Views: 1791

Diminished Value: report through own or other party's insurance?

When in a car accident with another party that is at-fault, Bogleheads have generally recommended using one's own car insurance company to deal with the other at-fault party's insurance company, instead of directly interfacing with the other party's insurance company, even if this means temporarily ...
by bagelhead
Wed Nov 23, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 9794

Re: Living near a Quarry

This thread is now in the Personal Consumer Issues forum (where to live). bagelhead - Can you please provide some insight on why you are asking about this? Are you considering to live near a quarry yourself? Possibly. I would like to better understand why this is a complete deal breaker for some pe...
by bagelhead
Tue Nov 22, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 9794

Re: Living near a Quarry

What about the health risks from breathing in the dust? Any insights besides Google's initial hits?
by bagelhead
Tue Nov 22, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 9794

Living near a Quarry

Do the Bogleheads have any thoughts on living near a Quarry?

Air pollution? Noise? "Safer" distance?
by bagelhead
Wed Nov 16, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 35908

Re: Chase Sapphire Reserve: Too good to be (completely) true

When is the latest date to apply for the card in order to qualify for this year's $300 credit? (2 weeks after application to receive card, what does charge must be on "December statement" mean?)
by bagelhead
Fri Nov 11, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1863

Re: Home shopping, Potential roof leaking despite new roof

The manufactures warranty will also only cover defective materials and not defective installation. Any problems defective materials would rarely show up in the first ten years so it was almost certainly a installation problem Some roof warranties require that their "roofing system" be used and that...
by bagelhead
Thu Nov 10, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1863

Home shopping, Potential roof leaking despite new roof

Home inspection showed age-indeterminate water damage in the attic wood and some ceilings. Some moisture is also present in the attic now. The roof was changed about 6 months ago. Inspector suspects improper roof replacement and ongoing ? mild ? leak. He also suspects the leak was present before the...
by bagelhead
Sat Nov 05, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House
Replies: 13
Views: 2664

Re: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House

When you use the Zillow Mortgage Search tool (zillow.com/mortgage-rates) and click on the lender options, the Loan Details show a line that says: Prepayment penalty: No Assuming there is no fine print (or even only limited fine print, like one cannot pay off the mortgage in < 1 year), then the quest...
by bagelhead
Fri Nov 04, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House
Replies: 13
Views: 2664

Paying Cash for House vs. Taking Large Lender Credits then Paying Off House

One of the advantages of paying cash for a house is not paying all of the lender fees. But what about those scenarios where the lender offers a large credit (such as $5000) and also allows prepayment without penalty (take the credit, then pay off the house immediately)? Is that free money, or what i...
by bagelhead
Fri Nov 04, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage if Paying Off in < 3 years
Replies: 10
Views: 1315

Re: Best Mortgage if Paying Off in < 3 years

The thing about seeking the lowest interest rate possible is that many lenders offer a spectrum of rates and credits. The lowest rate has the smallest credit. Therefore, if one pays off the mortgage early, he is losing the advantage of having the lower rate for the full duration of the mortgage. Int...
by bagelhead
Fri Nov 04, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage if Paying Off in < 3 years
Replies: 10
Views: 1315

Best Mortgage if Paying Off in < 3 years

If one's goal is to pay off the mortgage as soon as possible (say < 3 years), what is the best type of mortgage to get? Other than No prepay penalty and Yes escrow, is the number one goal to get the largest lender credit, irrespective of interest rate? Any other differences between 5/1 ARM, 10-year,...
by bagelhead
Tue Sep 06, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Contact Lens Brands
Replies: 1
Views: 292

Contact Lens Brands

Does anyone have any comments on various contact lens brands in terms of technology, comfort, cost, etc.? Sort of like a Consumer Reports analysis of the different brands (Acuvue, Bausch Lomb, etc.).
by bagelhead
Sat Sep 03, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot a Tax Loss Harvest on last year's taxes
Replies: 2
Views: 552

Forgot a Tax Loss Harvest on last year's taxes

I forgot to include a Tax Loss Harvest on Form 8949 of my 2015 taxes. This amount would have been rolled over to 2016, as I already deducted the $3000 annual limit. Do I need to submit an amendment of my 2015 taxes to the IRS? I made the edits in TurboTax and printed the 1040X form. TurboTax says it...
by bagelhead
Wed Aug 24, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Greater than 20% Downpayment
Replies: 8
Views: 1247

Greater than 20% Downpayment

It is known buying a house with cash (paid in full without a mortgage) saves money on closing costs. Are there any savings if one buy's a house with a larger than 20% downpayment but not 100%? For example, are there any fees that are proportionate to the loan size? (e.g., 1% fee on a $200,000 loan =...
by bagelhead
Wed Aug 17, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 54
Views: 14152

Re: Anyone have A/C fail on an older Honda CRV?

Based on all of the problems described above and documented on the internet, what do you would if you currently have a 9 year old, 90,000 mile CR-V with no problems including the A/C? Is the probability of A/C failure in the next 5 years < 20%, 20-80%, > 80%? Assuming the A/C repair is between $700-...
by bagelhead
Sun Jun 12, 2016 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 457 plan: How valuable?
Replies: 4
Views: 613

Re: 457 plan: How valuable?

It is a 10 year distribution plan. I understand the tax benefit if one withdraws at a lower tax bracket (as PoF suggests). But other than dividends (which a prior thread suggests is a minimal penalty of ~0.3%), are there any other advantages (another thread suggested asset protection) assuming equal...