Search found 1051 matches

by htdrag11
Wed Jul 11, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 749

Re: NJ Diminished Value Claim

NJ Officer, Everything is cool so far. I got the CarFax report from NJM for free. The accident was reported correctly. I would get reimbursed by NJM other than the $1k collision deductible once I sent in the title. NJM will contact Amica to get my $1k back. I would collect my belongs and the plates ...
by htdrag11
Tue Jul 10, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 749

Re: NJ Diminished Value Claim

Well, it was declared as a total loss, to my surprise. Both insurance companies are reputable. I'm OK with the estimated payment, plus sales tax.

Thanks for your contributions.
by htdrag11
Mon Jul 09, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 749

Re: NJ Diminished Value Claim

Franklin,

Thanks for the details. It's a compact car and I doubted that we're talking about a 5-figure damage. Sedans are not hot sellers these days. Sounds like 15% would be the top range that I should be shooting for.
by htdrag11
Mon Jul 09, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 749

Re: NJ Diminished Value Claim

Thanks, Rupert. Good to know about the 17c formula as a basis for calculating.
by htdrag11
Sun Jul 08, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 749

NJ Diminished Value Claim

I just got hit last week, still waiting for the police report to show up at crashdocs.org. It was the other person's fault. The front bumper, hood, driver's side fender and driver's door had damages. Both airbags were deployed but there were no injuries fortunately. My car is a 2014 compact car with...
by htdrag11
Wed Jul 04, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 187
Views: 29069

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Not sure if I'm giving away Taylor's store, but I love his analogy: The casino industry and Wall Street have one thing in common: the winners are the houses, not the customers if you "play their games" instead of using low cost indexing funds. There are very few winners. Well said. This forum has sa...
by htdrag11
Mon Jul 02, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 187
Views: 29069

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

gobigorgohome wrote:
Sun Jul 01, 2018 1:58 pm
Google recently sent out a $5 off ebooks coupon to your gmail account. Could bring the cost down to $4.99 essentially.
Thanks. Done. Just donated more books to our library; do not need anymore clutter.

Also, thank you, Taylor.
by htdrag11
Sun Jul 01, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Whole House Generator
Replies: 18
Views: 1655

Re: Whole House Generator

We opted for the Generac 5 years ago, a saving of about 30% over the Kohler. It has an automatic switch. So far, it has no issues. The battery is up for replacement next year. I had it service from the 3rd year on, annually.
by htdrag11
Fri May 25, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 955208

Re: What Book Are You Currently Reading? Part VI

The Man in the High Castle by PKD. I preferred the TV series than the book in this case but would recommend both, with different perspectives.
by htdrag11
Mon May 21, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire? Input and advice is welcome!
Replies: 29
Views: 3898

Re: Can I retire? Input and advice is welcome!

Answers 1. No 2. 420k even @4% yields you 16k and your expenses are 20k and we have not even considered taxes or penalties. 3. Many risks - 11 years is a long period and inflation in Asia is more than US - check the rate of govt. bonds in that country. You are young and might find a partner - how w...
by htdrag11
Sat Apr 07, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2186

Re: 1st World Problem - Pet Insurance

In short, this is a completely unregulated area, and the insurers contracts are not written with consumers in mind. Basically, there are no guarantees that the insurance will still be there when you need it, at a price you can afford, and that it will treat the problems your pet has. I think that m...
by htdrag11
Sat Apr 07, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2186

Re: 1st World Problem - Pet Insurance

Mudpuppy wrote:
Sat Apr 07, 2018 1:56 am

There will still be difficult decisions during the care of one's pets even with pet insurance or a savings account for pet care, just the decisions will be difficult due to reasons other than costs.
+1.

Thanks for sharing.
by htdrag11
Thu Apr 05, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2186

Re: 1st World Problem - Pet Insurance

Regarding to pre-existing conditions, here is the explanation under FAQ #7: "We will evaluate your pet's medical history during the claim process to determine if the condition existed prior to your enrollment and the subsequent waiting period (14 days for illness and 5 days for accident/injury). In ...
by htdrag11
Thu Apr 05, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2186

1st World Problem - Pet Insurance

Does anyone have any experience with Figo Insurance? https://figopetinsurance.com/ The cost is much lower than Nationwide, at $19/month, comparing with Nationwide. https://www.bogleheads.org/forum/viewtopic.php?t=222079 I also check out this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1...
by htdrag11
Wed Apr 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5797

Re: New Subaru Outback vs. used Volvo XC-70

Well, by Friday the 6th, it would be 3 weeks. The Service Department has no Service Manager (just 3 service consultants), so the only way to escalate is back to Sales. It was suppose to be back ordered already (can't imagine that I'm the only one). Another lessons learned.
by htdrag11
Mon Apr 02, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Re: Coughing up Signing (sign-on) bonus and W2

My accountant who is a CPA weighted in, you Bogleheads are correct!!! It should be a 2017 W2; here comes a 1040x but there is no hurry since there will be a refund.

Thank you all. You rule. :sharebeer
by htdrag11
Mon Apr 02, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Re: Coughing up Signing (sign-on) bonus and W2

I haven't left the company (so far). My offer letter did state it would be prorated and I would have to pay back part though if I leave in less than 12 months. What they did with the w2 makes complete sense to me. I know it is a hassle to amend your return (s) though. It makes sense to me too but n...
by htdrag11
Mon Apr 02, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Re: Coughing up Signing (sign-on) bonus and W2

michaeljc70 wrote:
Mon Apr 02, 2018 12:00 pm
Are they sure the bonus wasn't to be prorated? I just got one and it is prorated if I leave before one year.
You're lucky. It's all or nothing in this case for 12 months. How was your W2 adjusted, for 2017 or 2018? TIA.
by htdrag11
Mon Apr 02, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Re: Coughing up Signing (sign-on) bonus and W2

riverguy wrote:
Sun Apr 01, 2018 9:59 pm
Why would you want it on 2018? Tax rates are lower in 2018.
On 2nd thought, it should reduce taxes paid for 2017 since it would be a decrease in income.

For 2018, the tax rate would drop from 28% to 24%, an even better "deal".
by htdrag11
Sun Apr 01, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Re: Coughing up Signing (sign-on) bonus and W2

Bummer. Will call on Monday to verify.
by htdrag11
Sun Apr 01, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Coughing up Signing (sign-on) bonus and W2
Replies: 9
Views: 1638

Coughing up Signing (sign-on) bonus and W2

Member of the family changed job this year after only 8 months, so needs to cough up the signing bonus which is perfectly fine. Wrote a check and mailed it in certified receipt, and the former company had cashed it. About 3 weeks later, got a 2017 W2 adjustment. Is that correct? Should it be a 2018 ...
by htdrag11
Fri Mar 30, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

Re: What is a lemon? 2018 Outback Infotainment issues

I do not know this specific issue but Subaru is not alone in infotainment issues and working with various carriers/phone models/etc. However, as I understand it the manufacturer does not guarantee that your specific phone model will work with nor cause issues to the infotainment system. All feature...
by htdrag11
Fri Mar 30, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

Re: What is a lemon? 2018 Outback Infotainment issues

The 2018 Outback infotainment issues are frustrating. I bought my Outback last September and have documented my issues on subaruoutback.org along with many others. I have not tried to use Android Auto or Apple Carplay, so I don't know if my unit has those problems. However, from what I have read, o...
by htdrag11
Fri Mar 30, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

Re: What is a lemon? 2018 Outback Infotainment issues

I understand you are spending a lot of money on a new car and this is frustrating. But, please do not use car, lemon, and radio in the same sentence if you want to be taken seriously. Lemon laws were put into effect because people would be without a car at all while their new car in the shop for we...
by htdrag11
Thu Mar 29, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

Re: What is a lemon? 2018 Outback Infotainment issues

For NJ, here is what it says: "The certified letter may be sent only after you have had at least two repair attempts for the same defect, or 20 cumulative days out of service for one or more defects, and the defect still exists. In the case of a “serious safety defect,” the letter can be sent after ...
by htdrag11
Thu Mar 29, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

Re: What is a lemon? 2018 Outback Infotainment issues

Yes. There are 6 separate threads on the 2018 Infotainment issues of various kinds. 2017 does not have Android Auto. One thread is called Head Unit Freezes.
by htdrag11
Thu Mar 29, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3049

What is a lemon? 2018 Outback Infotainment issues

I leased a 2018 Outback Limited in October 2017 for 36 months. This is my 1st Subaru and aware some of the pros and cons but never gave too much thought on infotainment. My 2014 Mazda 3 and a previously owned 2012 Lexus RX350 have little issues once Bluetooth (BT) is connected, so I'm dismayed that ...
by htdrag11
Wed Mar 28, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5505

Re: New car on lot for 102 days. Concerns?

denovo wrote:
Wed Mar 28, 2018 2:59 pm

Thanks for the stamp of approval.
Does this also apply to leasing? TIA.
by htdrag11
Wed Mar 28, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1492

Re: Talking to a friend out of the dreaded VA policy

Great news. She is convinced to check out 3 possibilities: her friend's FA, my former FA whom I fired last year who charges 1% AUM after ending our relationship spanning 13 years, and last but not least, Vanguard's PAS at 0.3%. She was also miffed that the other CFP kept pushing VA, though she certa...
by htdrag11
Sun Mar 25, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2598

Re: eBay seller mails hard drive in paper envelope

+1.

The seller should mail it in bubble wrap or safely wrapped the hard drive. eBay favors the buyer these days, unlike 10-15 years ago. You should able to get your refund. Also, it seemed that the seller had used the HD, not very cool in his listing description.
by htdrag11
Sun Mar 25, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1492

Re: Talking to a friend out of the dreaded VA policy

Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy Hardcover – December 29, 2009 by Jane Bryant Quinn (Author) is a great reference for personal finance. Perhaps she would listen to this author and her common sense. You can get it at the library or buy ...
by htdrag11
Sat Mar 24, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1492

Re: Talking to a friend out of the dreaded VA policy

Just for laughs, here are part of the "advertisement" from this 30 years veteran FA with these certifications, CFP, CDFA ®, CFS, CLTC: "Investment Planning : Deposit a portion of your IRA into Transamerica’s Variable Annuity : Provides a guaranteed lifetime income allowing a 5% withdrawal of the lar...
by htdrag11
Sat Mar 24, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1492

Talking to a friend out of the dreaded VA policy

Friend of mine is talking with a veteran (30 years) CFP who is advising her (in the early 50's) to get a VA from one of the non-Fidelity/Vanguard groups, e.g., not competitive outfit. Based on some of the terms used, I'm sure some of you would have guessed which company it is coming from. She recent...
by htdrag11
Fri Mar 23, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5797

Re: New Subaru Outback vs. used Volvo XC-70

As I noted earlier, brother just bought the same car and is having the same issue (in fact, far more electrical issues). Loves how it drives, especially how it handles the snow on unpaved roads (as an oil & gas contractor, he's currently work in the middle-of-nowhere Colorado), but he's said he's h...
by htdrag11
Fri Mar 23, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24965

Re: Anyone Deleting Facebook?

I stopped using Facebook long ago, and would have deleted it long ago, but every time I tried to find the way to delete it, I spent 10 minutes searching for the delete my account button. Never found it. But now that so many are leaving, there are newspaper articles telling how to delete it. Here is...
by htdrag11
Thu Mar 22, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5797

Re: New Subaru Outback vs. used Volvo XC-70

It's the Harman Kardon optional speaker system - the basic stereo is too pedestrian for me. My model is the Limited but most folks would be happy with the Premium line, a step above basic. I'm a sound snob but my 2014 plain Jane Mazda 3 has no problem streaming from my phone at all. However, it does...
by htdrag11
Thu Mar 22, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449050

Re: U.S. stocks in freefall

Surprise that gold hardly move up at all. Meh! :?
by htdrag11
Wed Mar 21, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5797

Re: New Subaru Outback vs. used Volvo XC-70

I understood the OP got a Volvo, so for him the case is close. I did post earlier about my problem with the Outback infotainment system failing twice. Brought it back to the dealer on Monday. They decided that it's time to replace the amp (debugging between my Nexus 6p software and the Subaru HK sou...
by htdrag11
Wed Mar 21, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2774

Re: Buy individual stock to maintain my honor?

+1. Donate the money to one of your favorite charities. As long as you can sleep well at night, that is all that matters. In our daughter's case, there is no such luck. She had to write a personal check back to the company and ate the taxes. The check was promptly cased out by this Fortune 100 compa...
by htdrag11
Wed Mar 21, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Hario or Bonavita water kettle - which to keep?
Replies: 1
Views: 284

Hario or Bonavita water kettle - which to keep?

I've indulged myself in various kitchen gadgets, the latest being on the subject line. The Hario is 800 ml while the Bonavita is 1,000 ml. Both cost about the same after discounts, $30 vs. $25, but the former is made in Japan while the latter is China. Based on my causal observation, I could not tel...
by htdrag11
Fri Mar 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1026958

Re: What Movie Have You Recently Watched?

Annihilation. It is a difficult film to sell to the public as well as reviewing it. It's kind of reminiscent of the typical answers that I heard earlier in the movie's dialogue, "I don't know". It's more similar to the Russian's 1979 Stalker than Ridley Scott's Alien from the same year. Walked out w...
by htdrag11
Tue Mar 13, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3831

Re: Should we buy my wife a new car?

Couple of caveat about the 2018 Outback: 1. Get the Premium model without power liftgate which could be problematic. Mine is a Limited model fully loaded. 2. The infotainment unit in 2018 has Apple CarPlay and Android Auto; the integration is buggy. The 2017 does not have such upgrade. Otherwise I'm...
by htdrag11
Thu Mar 08, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 5046

Re: Consumer Reports Auto Issue Out now

I wish. Modern cars have lots of electronics. My highly rated 2018 Outback Limited 2.5 has power liftgate and Android Auto. 1. Either Android Auto crashed my optional HK sound system or my Android cellphone crashed once. Needed to go back to the dealer to reset; cannot do it from home (so they said)...
by htdrag11
Thu Mar 08, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why (or why not) use an advisor
Replies: 42
Views: 2311

Re: Why (or why not) use an advisor

I would conjecture that most of us have advisors before. After my 1st successful CFP from the last century retired (burned out), the next 3 was either bad or average. It took me a bit of courage to wean from the last 2, but I'm glad I did it last year. I feel very comfortable with my 50-50 AA. Since...
by htdrag11
Tue Mar 06, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5687

How Amazon Can Blow Up Asset Management

https://jirisancapital.com/amazon-can-b ... anagement/

According to the author, Amazon could be the next threat to all the active financial planners as well as robo advisers out there. It's a very dire concept for Wall Street and high paying bankers.
by htdrag11
Thu Mar 01, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2839

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

I inherited our daughter's 2012 MBA 13". My converted Dell XPS 15" from XP to Windows X has been slowing down. Each update takes longer. I'm just getting tired of the Windows platform's overhead. I also have a Dell CB 2 13" with FHD screen. I do not see going back to Microsoft; both the 2012 MBA and...
by htdrag11
Mon Feb 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2795

Re: Is window replacement this expensive?

I forgot to mention this old thread about Renewal by Andersen (RBA) .

viewtopic.php?t=135100

Here is another review on RBA.

https://thewindowdog.com/replacement-wi ... s-reviews/
by htdrag11
Mon Feb 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2795

Re: Is window replacement this expensive?

Here is another data point. I have one estimate to replace each Andersen sash at $425 each plus tax, 30" x 56". Have one replacement of Andersen casement window, 32" x 46" for $1,425 (including old one disposed). We live in a HCOL area. I'm still waiting for another estimate next week. It's difficul...
by htdrag11
Tue Feb 13, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1459

Re: What are the chances of corrected 1099s?

Just in case you didn't know: The 1099-B summary on the first page will ONLY show cost basis for covered shares. If you have any noncovered shares sold there will be a huge gap between the reported cost basis on the summary and what you will eventually report. If this doesn't apply to you, you can ...
by htdrag11
Mon Feb 12, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1459

Re: What are the chances of corrected 1099s?

Got mine today. However, my cost basis page downloaded from Vanguard and my 1099's cost were off by a whopping $80k. It's the 1st time I notice such a drastic difference. My Vanguard account is about 20 years old, so everything has been with Vanguard for a long time. None was transferred over. I'm n...