Search found 1230 matches

by furwut
Thu Oct 19, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need ACA help due to underestimated income
Replies: 4
Views: 326

Re: Need ACA help due to underestimated income

See https://ttlc.intuit.com/questions/29356 ... deductions

My understanding is you pay back when you file and not sooner.
The extra premium paid is deductible in the year paid. So it will be deductible on your 2018 return.
by furwut
Mon Oct 16, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2413

Re: Circumstances in which a freeze needs to be lifted

This last time I tried to get one of my reports, however, I was told I could not get it online and would have to apply for it through snail mail. Now I'm wondering if the companies are tightening up. (Or maybe figure they have found a way to make a few bucks from the free credit report requirement ...
by furwut
Sun Oct 15, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1246

Re: ACA stay below 250% FPL for 2017?

If your income changes you are supposed to inform the Exchange as soon as possible. I don’t know of any penalty for failing to do so however. If you’re enrolled in a Marketplace plan and your income or household change, you should report the changes as soon as possible. These changes — like higher o...
by furwut
Sun Oct 15, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5524

Re: What are you driving? And would you buy your current ride again?

2010 Surly Long Haul Trucker. Yes I would buy again but get the disc brakes perhaps. Haven’t owned an automobile since 2003.
by furwut
Sun Oct 15, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5596

Re: How does everyone keep track of your portfolio?

jebmke wrote:
Sun Oct 15, 2017 2:35 pm
We moved everything to Vanguard. It is all there when I log in.
Same. I have a few outside accounts that I entered into Vanguard. All I really need is the 50,000 ft view.
by furwut
Sun Oct 15, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 678

Re: Help with Individual 401k

Undoing the conversion is more properly known as recharacterization. Yes your wife can do this. If she does then the pro-rata issue with the tIRA becomes moot.
by furwut
Sat Oct 14, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1253

Re: Happy Consumer Story (Backpacking Tent)

REI has a very liberal return policy. Makes me wonder how they stay in business. :shock:
by furwut
Sat Oct 14, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3731

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I think it is clear there is a liability risk when conducting business over the phone with a person who is driving. I recall a case, some years ago, when a lawyer was driving while participating on a call for his/her law firm and caused an accident. The claimant(s) sued the lawyer AND the law firm. ...
by furwut
Sat Oct 14, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 678

Re: Help with Individual 401k

Sometimes the best policy is KISS. Keep it simple ... Why not delay the backdoor conversion (just park the money in a separate tIRA) until your wife has her new job and tIRA rolled into new job’s 401k? She already did her backdoor Roth IRA conversion in Jan 2017 for this year. Have you considered u...
by furwut
Fri Oct 13, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: New investment account vs. credit freeze?
Replies: 7
Views: 803

Re: New investment account vs. credit freeze?

Ask if they will run a credit check, I think by law they are required to disclose anyway, and with what agency. Request a thaw at that agency.
by furwut
Fri Oct 13, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 678

Re: Help with Individual 401k

Sometimes the best policy is KISS. Keep it simple ...

Why not delay the backdoor conversion (just park the money in a separate tIRA) until your wife has her new job and tIRA rolled into new job’s 401k?
by furwut
Fri Oct 13, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9771

Re: 2018 ACA costs arrived

Back to ‘2018 ACA costs arrived’

The breaking news that this administration will no longer make CSR payments to insurers, coming just 3 weeks before open enrollment, throws everything back into uncertainty.
by furwut
Thu Oct 12, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1415

Re: Does IRS have equivalent of credit freeze?

Curious how tax-filing fraud is ever possible? The impostor not only needs your identify info, but also W-2, dividend, capital gain/loss, mortgage payment, etc., etc? It could be the IRS doesn’t have the correlating data from reporters ready early in the tax season to cross-check. But they are unde...
by furwut
Thu Oct 12, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 18
Views: 1779

Re: Anyone used Zelle?

Zelle is pretty new having only rolled out this Summer. It may be that the banks are doing a soft start before heavily advertising it. I’m using it for small personal payments from my Capital One 360 account. Capital One has the Zelle Service baked into their P2P payment interface. The issue with as...
by furwut
Thu Oct 12, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1592

Re: Washington DC Trip

I’d advocate using Capital Bikeshare over a bus, weather permitting.
More flexible, more fun.
by furwut
Wed Oct 11, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9771

Re: 2018 ACA costs arrived

I’m curious to know what 2018 rates will be in my location as well. Haven’t received my renewal letter yet. In any event I’ll have a subsidized policy so I expect I’ll pay pretty much the same as last year. I vaguely recall language in the ACA that, starting in 2019, a ceiling comes into effect limi...
by furwut
Thu Oct 05, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 24970

Re: Retirement Account Stolen by Identity theft

So what happened to the money - $52,000 - that was fraudulently transferred to the bank? Was the account cashed out?
by furwut
Mon Oct 02, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2018

Re: On the video games path - how to set it up with younger kids

I think you’d be better off keeping your house video game free. These games are designed to be addictive and turn out highly addictive to some. In return I don’t see any redeeming social value.

I think occasional play dates with friends is enough exposure.
by furwut
Tue Sep 26, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3578

Re: Unbelievable AT & T

Here’s my AT&T story. Some years ago I decided to switch from AT&T to an MVNO. While doing some preliminary research I ran across several threads of former customers all warning that if you had auto payment AT&T would collect the final bill at the full monthly amount and refuse to give a prorated re...
by furwut
Fri Sep 22, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2478

Re: How Often Do you make a Back-Door Roth Conversion

This recharacterization strategy isn't really relevant to the backdoor Roth procedure. It's more relevant to doing a straight Roth conversion of pre-tax tIRA funds. If I Roth convert $20,000 and it falls to $18,000 then I might do this... Yeah I have to agree. Its for the obsessives. The best time ...
by furwut
Fri Sep 22, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2478

Re: How Often Do you make a Back-Door Roth Conversion

Is there any need to do this more frequently throughout the year? Practically speaking no. Secondly, this year my last paycheck will be on December 29th. If the funds are deposited on Dec. 29th, is there any problem with re-characterizing them that day? Sometimes the conversion process goes awry. S...
by furwut
Thu Sep 21, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Password Managers Single VS Multi-user / Generic question
Replies: 4
Views: 550

Re: Password Managers Single VS Multi-user / Generic question

Single User PW Manager Pros Less expensive Slightly More Convenient Single User PW Manager Cons Possible number of devices constrained Multi Use PW Manager Pros Supports personal private items Probably allows a higher number of devices if that is a constraint. Multi Use PW Manager Cons More Expensiv...
by furwut
Sat Sep 16, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Experian unable to honor freeze request
Replies: 2
Views: 680

Re: Experian unable to honor freeze request

I’ve been reading news reports that all the agencies have been inundated with freeze requests. This is likely resulting in more than the usual number of problems. Keep in mind that you are not the credit agencies customer and their desire, and resources they deploy, to satisfy you are limited. Give ...
by furwut
Tue Sep 12, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2894

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

pshonore wrote:
Tue Sep 12, 2017 10:21 am
As far as a strategy for tax returns, the best may be to plan withholding to owe a very slight amount of tax (no refunds).
Familiarize yourself with the safe harbor rules. I use the previous years tax owed as my guide. This works well so long as your income does not widely vary year to year.
by furwut
Mon Sep 11, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1651

Re: Freezing your credit??

Until the recent discussion re: the breach I have never heard of Chexsystem or Innovis. Should I consider freezing my credit account with them as well? Edit - the official government site only mentions the big 3. https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/
by furwut
Mon Sep 11, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1651

Re: Freezing your credit??

All frozen. It was relatively easy. You can temporarily remove freeze if you need a credit check for a cc or loan. When you remove the freeze do you need to do it for all credit bureaus or does the bank use a particular one and you can unfreeze just the one the bank uses? Just the one they are using.
by furwut
Sat Sep 09, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11342

Re: Anyone else freeze their credit score?

Froze mine a couple of years ago. I’ve had no trouble temporarily lifting the freeze (thaw?) when applying for new credit. Just ask which agency they are using first. And, in my state, there is no fee to thaw.
by furwut
Thu Sep 07, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16500

Re: Becoming a Landlord: My Experiences

Great post!

Maybe this should have a home in the Wiki?
by furwut
Wed Aug 30, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2813

Re: How to deal with Amazon purchases with Mint.com??

I have heard that the amazon store credit card integrates with mint, ,so if there was detail about what was in each order that could do the trick. Anyone have any success with this? OP, JBTX’s post got me curious but I haven’t been able to find any reference that says Amazon transactions could be a...
by furwut
Wed Aug 30, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2813

Re: How to deal with Amazon purchases with Mint.com??

I manually split up Amazon, Target and Costco transactions. Amazon is actually the easiest with the store card because the description that comes across to Mint has the name of the items in the order so sometimes I don't have to pull up the details. Amazon card does not do this with Quicken. I'm su...
by furwut
Mon Aug 28, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2813

Re: How to deal with Amazon purchases with Mint.com??

I manually split mine but I don’t order much. First I’ve heard of Amazon integration!

If that doesn’t work for you checkout One Receipt. It looks like it makes splitting a tad easier.
http://twocents.lifehacker.com/an-inter ... 1696389687
by furwut
Thu Aug 24, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 16
Views: 2224

Re: Virgin Mobile unlimited talk, text, data for $1?

New information: Verge You can sign up for Virgin Mobile’s $1 unlimited plan without buying a new iPhone Back in June, Virgin Mobile became an iPhone-only carrier, offering unlimited talk, text, and data, for $1 for the entire first year if you bought an iPhone from them. Now the carrier is expandin...
by furwut
Thu Aug 10, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8781

Re: ObamaCare 2018

And don’t forget if your MAGI income is under 400% of the Federal Poverty Level your premium* is a function of your income and not what the insurance company charges.

* Based on a Silver tier plan.
by furwut
Sun Jul 23, 2017 6:47 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 8995

Re: Can a TIPS ladder 'fail' ?

Here are 2 scenarios:
1) You setup a ladder of, say 30 years, and you live 31 or more.
2) You have unanticipated spending and are forced to redeem some portion of the ladder early.
by furwut
Sun Jul 09, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5555

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Cook healthy at home and bring in leftovers in a microwaveable container.
by furwut
Sun Jun 25, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4033

Re: Worthwhile TV programming?

I agree that shows that are compelling and aren't just going through the motions are few and far between. I've started keeping a list on a website called justwatch.com . Whenever I read or hear about a "good" show I'll add it to my list. JustWatch catalogs all the available options to stream a given...
by furwut
Sun Jun 25, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate "enough" for retirement accounts?
Replies: 14
Views: 2226

Re: How do you calculate "enough" for retirement accounts?

First off, unless you have just won the MegaMillions jackpot, stopping your contributions so early is very likely a big mistake. But one way of feeling out if "enough is enough" is to imagine if you took all your money you have today and bought a deferred annuity that wouldn't start paying out until...
by furwut
Sat Jun 24, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Losing admiration for Warren Buffett
Replies: 9
Views: 1813

Re: Losing admiration for Warren Buffett

He's also an investor in Goldman Sachs. Buffet is a bottom line numbers guy. At the end of the day that, and that only, is what drives his investment decisions. His style is not to get involved in the running of any of the companies he owns so management doing bad things but putting up good numbers ...
by furwut
Mon Jun 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I "Consolidate your accounts" in Vanguard?
Replies: 4
Views: 1044

Re: Should I "Consolidate your accounts" in Vanguard?

Here is a pro and con list. http://www.mymoneyblog.com/vanguard-merged-account-pros-cons.html Thanks. I too am getting occasional pings from Vanguard to consolidate. As a retiree who is spending their taxable distributions losing the feature to have these automatically transferred to my bank is ann...
by furwut
Sun Jun 18, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: xfinity box with netflix
Replies: 3
Views: 499

Re: xfinity box with netflix

Keep receipts for the returned equipment Just want to expand on this. Rule 1 - Take pictures of all returned equipment including serial numbers. Rule 2 - *Demand* receipts for all returned equipment. Rule 3 - Verify receipts are 100% correct - including serial nos - before leaving. Rule 4 - Keep th...
by furwut
Tue Jun 13, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 4163

Re: How many tech devices do you have?

2008 MacBook Pro
IPad (4th Gen)
IPhone 6S with pay-as-you go cell plan
ancient HP inkjet printer
Airport Express Router

Just ordered a new iPad Pro 10.5" with Smart Keyboard. The old iPad will go to a family member. Hope is that the new iPad will obviate the need to replace the laptop.
by furwut
Tue Jun 13, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: [Moving to] Washington, DC Navy Yard Area
Replies: 12
Views: 1359

Re: [Moving to] Washington, DC Navy Yard Area

You can learn a lot about the neighborhood here:
http://www.jdland.com/dc/index.cfm
by furwut
Tue Jun 13, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4102

Re: which IPAD?

Looks like B&H is matching the $150 price drop on 9.7" Pros. B&H doesn't charge sales tax outside of NY or NJ and has free shipping.
by furwut
Tue Jun 13, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4102

Re: which IPAD?

by furwut
Mon Jun 12, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3479

Re: Auto-Debit May Not Be Such a Good Idea

I use auto-pay with a credit card and then have the credit card set up to withdraw from my checking account. In 20+ years have only had 1 or 2 issues and these were easily solved.
by furwut
Mon Jun 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 8162

Re: HSAs and "Saving Medical Receipts"

A couple of financial bloggers I read are taking the "good enough" approach of claiming HSA expenses every year and retaining the receipts, for however long, with their tax return.
by furwut
Mon Jun 12, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4102

Re: which IPAD?

Since Apple has discontinued the iPad Pro 9.7" there may be quite a few brand new ones offered as refurbs on the Apple Store over the next few months.

I heard that Best Buy is offering $50 store credit for iPad Pro purchases and B&H doesn't apply sales tax outside of NY and NJ.