Search found 1287 matches

by furwut
Fri May 25, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 1759

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

AAA and automobile insurers may contract with roadside assistance providers at different rates. I was once told by a tower that AAA paid the best and, consequently, they handled their calls first.
by furwut
Thu May 24, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Saving and storing old statements
Replies: 9
Views: 840

Re: Saving and storing old statements

evestor wrote:
Thu May 24, 2018 2:03 am
I bought a high end scanner. ScanSnap iX500. Best thing I ever did. Paper is now shredded across the board and I scan anything I might want to keep.
Same here. I sign up for eDelivery everywhere possible so I don’t even get paper in the first place.
by furwut
Tue May 22, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 919

Re: Predicting income from investment

I think Allan Roth’s advice is applicable to other kinds of debt:

Consider Paying Down Your Mortgage
by furwut
Fri May 18, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 921

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

If it is appropriate for you, selecting an HSA elgible policy and making a HSA contribution modestly lowers your ACA MAGI.
by furwut
Mon Apr 16, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing taxes for 2018
Replies: 12
Views: 1511

Re: Minimizing taxes for 2018

Many use the free Taxcaster software to gauge their taxes. Though I don’t know if it has been updated yet to reflect the most recent tax law changes.
by furwut
Fri Apr 06, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3041

Re: GEICO rate increase: 49% annualized?!

Freefun wrote:
Fri Apr 06, 2018 6:29 pm
Geico had many claims due to hurricane Harvey.
In Colorado?
by furwut
Sun Apr 01, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 2
Views: 467

Re: Inheriting an inherited IRA

That is complicated. I *think* your Mother’s estate takes the required RMD for 2018 - required since the original owner was past 70 1/2 and should have started distributing. Then, in beginning in 2019, you are required to continue RMDs (should you choose not to take a lump sum) based on your life ex...
by furwut
Tue Mar 27, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Owner Car Insurance
Replies: 11
Views: 1089

Re: Non-Owner Car Insurance

Would ZipCar be an option for you? It may be worth looking into. So car sharing services typically include some insurance as part of the membership/hourly fee. But you still have to determine if that is adequate and doing so may not be easy. Years ago I was a member of such a service. All the liter...
by furwut
Sat Mar 24, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Owner Car Insurance
Replies: 11
Views: 1089

Re: Non-Owner Car Insurance

would it make more sense to take out a non-owner car insurance policy?
It might even if it turns out to cost more.

How I Protect Myself When Renting a Car
by furwut
Sat Mar 24, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Newly retired tax strategy for Roth conversions and SS
Replies: 15
Views: 1026

Re: Newly retired tax strategy for Roth conversions and SS

For 2019 and subsequent tax years follow the save harbor rules and pay estimated and/or have enough withheld to avoid underpayment penalties.
by furwut
Fri Mar 23, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Light Switch Style and Why?
Replies: 12
Views: 1394

Re: Light Switch Style and Why?

No reason but I’d prefer the paddle. Have you considered Smart Swiches?
by furwut
Fri Mar 23, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Downloading podcast of Mark Simone radio program
Replies: 5
Views: 585

Re: Downloading podcast of Mark Simone radio program

Can anyone please explain why my Apple iphone does not recognize the podcasts of iheart radio? Could it be because they are going through bankruptcy?
My guess is iHeart wants exclusivity so the show is no longer uploading its podcasts to iTunes.
by furwut
Fri Mar 16, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5121

Re: Bicycle Commuting in LA - Thoughts?

The following study found that the fatality rate per person trip for bicycles was slightly more than double that for cars. For 25-64 year olds, the bicycle rate was more than 4 times the car rate. The data is from 1999-2003, so increased numbers of bike paths and improved safety equipment could hav...
by furwut
Fri Mar 16, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5121

Re: Bicycle Commuting in LA - Thoughts?

We use road bicyclists as examples to our children of how not to take risks in life. Number 1 cause of death of children are traffic crashes. Seems that even riding in a car is an unnecessary risk. This seems false. The number one cause of death for kids over 1 and under 10 is untentional accidents...
by furwut
Mon Mar 12, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5121

Re: Bicycle Commuting in LA - Thoughts?

GCD wrote:
Mon Mar 12, 2018 7:29 pm
We use road bicyclists as examples to our children of how not to take risks in life.
Number 1 cause of death of children are traffic crashes. Seems that even riding in a car is an unnecessary risk.
by furwut
Mon Mar 12, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5121

Re: Bicycle Commuting in LA - Thoughts?

I think you’d have to weigh any fitness gains vs more danger of being hit by car and also inhaling more pollution and small particulate matter. Somehow bikes and traffic are a very bad mix, in my mind. It’s been done and - granting that assumptions could be widely off - most studies give a positive...
by furwut
Mon Mar 12, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you've passed your "number"
Replies: 41
Views: 3601

Re: Asset Allocation once you've passed your "number"

#3
One approach is to conservatively invest the amount you need to carry you from your retirement date to the time you begin your pension/social security (which I assume you already have) and be more aggressive with the remainder.

Oblivious Investor / An Ideal Retirement Spending Strategy?
by furwut
Sat Mar 10, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Bike tires won't inflate
Replies: 8
Views: 912

Re: Bike tires won't inflate

Perhaps the O-Ring in the Chuck (the part of the pump that fits over the valve) is worn. If it doesn’t make a tight seal the air in the tire will just rush out. Another possibility is that the chuck on the pump was reversed ( many bike pumps are reversible) to fit another type of valve and so it nee...
by furwut
Thu Mar 01, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3437

Re: What iPhone podcast application do you use?

‘Sodes is a new podcast app that is getting favorable mention.
‘sodes is a new podcast app aiming to simplify things for casual listeners - 9to5Mac
https://9to5mac.com/2018/02/14/sodes-podcast-app-ios/
by furwut
Sat Feb 24, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3174

Re: How Do People Without Computer Access Prepare and File Their Taxes?

I just completed mine using the Turbo Tax web version on an iPad Pro. No difficulty encountered. I saved the return to the cloud.
by furwut
Wed Feb 21, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1609

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously the...
by furwut
Wed Feb 21, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1609

Re: Clever phishing -- be careful!

The story from Reddit isn't very plausible. Read the full account at the link I posted. The phiser got access to the account by resetting the password with the “help” of the unwitting victim providing the confirmation texts. Once in they can easily lookup transaction history to further the subterfu...
by furwut
Wed Feb 21, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1609

Re: Clever phishing -- be careful!

The Reddit posting is here: https://www.reddit.com/r/personalfinance/comments/7z3at6/i_thought_i_was_paranoid_but_i_got_phished_read/?st=JDXH4A2F&sh=58010271 Two takeaways 1) Do not use an email address as your Username if it can be avoided. Treat it as securely as your password. Assuming that if th...
by furwut
Sun Feb 18, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2450

Re: GEICO Auto Shady Practice?

Sales agents are partly compensated by commission and its possible there may have been a special incentive to sell (aka push) MBI as this is probably a profitable product for them. If the agent had pulled up your online quote, rather than reconstructing it while you talked, I’d say boo on them for a...
by furwut
Mon Feb 12, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17923

Re: Number at which to stop worrying

KlangFool wrote:
Mon Feb 12, 2018 5:53 pm
OP,

50 times your current annual expense.

At 72K per year, it is 3.6 million.

KlangFool
Agree. I recall that Jim Otar in his study of withdrawal rates - Unveiling the Retirement Myth put the never need to worry at 50x and above.
by furwut
Fri Feb 09, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2867

Re: Comcast Modem Rental

On a related note, has anyone been able to avoid renting the digital adapters for secondary TVs with Comcast? I have an X1 DVR for my primary, but pay $6/month for each additional digital adaptor. Haven't seen those available for purchase. Comcast has long scrambled premium channels to prevent thef...
by furwut
Fri Feb 09, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2081

Re: Folding bicycles

Suggest adding how easily a bike transforms as an evaluation factor. My local bike shop is a Brompton dealer and those bikes unfold very handily.
by furwut
Wed Jan 31, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Increase withholding or pay quarterly taxes
Replies: 9
Views: 783

Re: Increase withholding or pay quarterly taxes

I’ve not done it but isn’t there an option on the W-4 to increase the withholding by some set amount? In other words what gets withheld is some amount as a function of your exemptions PLUS whatever additional amount you specify.
by furwut
Sun Jan 21, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy questions
Replies: 16
Views: 1518

Re: Bankruptcy questions

Retirement accounts are exempted. Kids are not responsible for their parents debts - so if the bank accounts are in their name they should be okay as well.

What if the bank accounts are held jointly?
by furwut
Sun Jan 21, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Insurance - Replacement Cost
Replies: 9
Views: 630

Re: Insurance - Replacement Cost

Typically home insurance policies don’t insure the land on which the house sits as it is assumed to be indestructible. So yeah, you maybe over insured. On the other hand replacement cost is the cost to rebuild new. For example a new 3 bedroom 2 bath house is going to be worth more (and cost to build...
by furwut
Wed Jan 17, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5402

Re: Make me feel good about my bond allocation

WAY TO GO! :beer








There, do you feel better?
by furwut
Sun Dec 31, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

Don't understand how the mill rate can be constant from year to year. Doesn't the budget/expenditures change annually? Perhaps it helps that I’m re-assessed every year and property values have steadily increased. Also I live in D.C., so income and sales taxes can be directly added to the income sid...
by furwut
Sun Dec 31, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

P.S.: yesterday (Saturday at 5 p.m.), the post office delivered the Assessment Notice (This is Not A Tax Bill) for our property in Montgomery County MD. The notice date is December 28th for the tax year beginning 7/1/2018. (On Thursday we had decided not to pre-pay). Where I live, an assessment not...
by furwut
Thu Dec 28, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

The rules are no different than always - you can prepay property tax installments that have already been assessed, and you can make 4th quarter estimated state income tax payments now. Except that, according to the reporting, one can’t deduct 2018 estimated state income tax payments on their 2017 r...
by furwut
Thu Dec 28, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

The rules are no different than always - you can prepay property tax installments that have already been assessed, and you can make 4th quarter estimated state income tax payments now. Except that, according to the reporting, one can’t deduct 2018 estimated state income tax payments on their 2017 r...
by furwut
Thu Dec 28, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

Gray wrote:
Wed Dec 27, 2017 10:53 pm
I believe you have interpreted the IRS notice as they would have you.
by furwut
Wed Dec 27, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

I think the “hard line” comes from the feeling that in years past the IRS allowed, or at least didn’t challenge, people making an estimated payment.

Montgomery County in Maryland just told their residents to do exactly that.
by furwut
Wed Dec 27, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

Looks like the IRS may be taking the hard line in allowing prepayment. The IRS said that taxpayers can claim an additional property tax deduction when paying their 2017 taxes if they pay the tax this year and if the local tax authority has notified homeowners prior to 2018 of how much they owe in pr...
by furwut
Thu Dec 21, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14687

Re: Confusion about prepaying property taxes

A secondary issue is the language in the TC case which says, "taxpayer failed to establish that the prepayment represented assessed, rather than estimated, taxes..." My locality assesses every March for the following year. The couple of times I prepaid I took the position that, with the assessment ...
by furwut
Tue Dec 12, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 7088

Re: State Farm Insurance, Time to Leave

Geico gives discounts for membership in a number of organizations beyond owning BRK.

https://www.geico.com/save/discounts/or ... on-member/
by furwut
Wed Nov 29, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Moved But Which State to File In?
Replies: 6
Views: 543

Re: Moved But Which State to File In?

You probably will file a part time return for both states.
by furwut
Sun Nov 26, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 19
Views: 2281

Re: Trying to avoid ACA Subsidy failure!

Insurance carriers will label their plans as HSA eligible. FWIW In 2016, reportedly only 19% of HDHPs were HSA-eligible. And there may not be a requirement (though this may vary by state?) that an insurer include an HSA eligible plan among their offerings. Last year my insurer dropped the HSA plan ...
by furwut
Wed Nov 15, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 7736

Re: Tipping in living wage state. Redux.

I don’t know if this has been mentioned yet or not but there is both a minimum wage AND a tipped wage. Unless they are doing away with tipped wage rates, which is much lower than minimum wage, the expectation is that customers are voluntarily making up the difference.
by furwut
Tue Nov 14, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Help
Replies: 7
Views: 827

Re: HSA Help

There are spreadsheets around to help you make a choice but, as a general rule, I like to break it down to into 3 scenarios: Low medical expenditure - A HDHP saves you money due to lower premiums and increased tax savings. Medium medical expenditure - a fuller insurance policy becomes better due to ...
by furwut
Sun Nov 12, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions about free tax filing
Replies: 9
Views: 1175

Re: Questions about free tax filing

Last year I was able to use Turbo Tax deluxe (or premium, can’t keep them straight anymore) version for free. It handled capital gains.

Free File Software Offer
by furwut
Mon Nov 06, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5109

Re: I Cut the Cord yesterday!

The cable companies must be in trouble and I wonder if they are going to start raising the price of internet services? In many places they already have and have been doing so for some time. Comcast is also rolling out data caps so, in the near future, all that streaming is still going to cost you p...
by furwut
Tue Oct 31, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 23
Views: 3421

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

If anything Mint/PC helps you prevent fraud. I can see all of my accounts in 1 spot and transactions as they happen. If anything pops up I don’t know about I know about it immediately...not in 3 weeks when my statement shows up. This is especially important if you are into credit card/bank account/...
by furwut
Tue Oct 31, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 23
Views: 3421

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

You're at far greater risk of fraud logging in via your browser every time you want to check. Account theft happens via key loggers, so logging in to an App is better than typing in your credentials on your banks website. That's a great consideration but if my $3m account is stolen and it's shown t...