Search found 1636 matches

by furwut
Fri May 22, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: How do you "see" a credit freeze?
Replies: 5
Views: 558

Re: How do you "see" a credit freeze?

Also when I log onto the credit agencies’ website, where I manage the freeze, it gives the current status.
by furwut
Thu May 21, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1676

Re: Frequency of bike overhaul or tune up

I volunteer with a couple organizations that fix bikes to be given away. That amounts to 8 years experience as a bike mechanic working primarily on older bikes. The most basic things are making sure your shifting and braking work smoothly and the chain is kept relatively clean and lubed. If all of ...
by furwut
Sat May 16, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 60
Views: 5090

Re: Rent is increased by 6%, negotiation tips?

Just a data point. Daughter and son in law in bay area got notice about six months ago of a rent increase from $4000 up to I think it was about 4500. Daughter looked at new offerings online in the same building and saw that they were going for $4000 so she said she would move to one of those units,...
by furwut
Thu May 14, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 2929

Re: Moving Furniture Yourself

DTalos wrote:
Thu May 14, 2020 4:04 am
What do you all think it a fair price to pay two people in a major metro area to move furniture from room to room and from some rooms to a garage about 100 feet away? Job will take about an hour.
You don’t have bored teenagers in your neighborhood? $15 - $20 each?
by furwut
Thu May 14, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5479

Re: Discarding old tax returns

In the age of scanning and $100 1TB hard drives why not just scan them and keep forever. There is no longer an issue with space. Not sure I will ever need them but, for fun, I have scanned returns all the way back to when my wife worked at Woolworths in 1975! +1 Most, if not all, of my tax document...
by furwut
Wed May 13, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance; Bad Driver Penalty
Replies: 21
Views: 1669

Re: Car Insurance; Bad Driver Penalty

Two questions: 1. How long will he be paying the penalty, assuming no more accidents? 2. Is there some other alternative he's missing, besides taking the bus? 3 to 5 years depending on severity of claim and insurer. One can ask the agent. Bus is not a bad choice but the type of vehicle one drives c...
by furwut
Tue May 12, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retiree Health Insurance Options
Replies: 2
Views: 285

Re: Early Retiree Health Insurance Options

Could I 'waive' my former employers health insurance options and instead opt for one of the more affordable Marketplace plans instead in our new location? Not sure if I would have to take my former employer options instead since they're available?... If you have retiree health benefits If you have ...
by furwut
Tue May 05, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6235

Re: Amazon Prime Membership Question

I recently became an Amazon Prime member so I could order groceries thru WholeFoods for pickup. Just completed my third pickup so far. I don’t have a car so I do it by bike. The WF is an easy 15 minute ride. I stop halfway and ‘checkin’ on the app so the groceries are waiting for me when I arrive. 2...
by furwut
Wed Apr 29, 2020 2:29 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14339

Re: Marcus or Ally

I had Capital One 360 but moved to Ally to grab their bonus offer a few years ago. For my simple needs (checking & savings) I find them equivalent. One difference that I noticed was Cap One limited the number of external accounts you could have for transfers. At the time I had more then the 3 allowe...
by furwut
Sat Apr 25, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: DD's apartment complex requires renters insurance
Replies: 50
Views: 2062

Re: DD's apartment complex requires renters insurance

This is a no-brainer. Get the insurance. I have condo owner’s insurance with $500,000 liability for around $200/yr. This shouldn’t be a question about being “judgement proof”. Take the high ground and be in a position to fairly compensate those who suffer losses from one’s negligence. A bathtub left...
by furwut
Sat Apr 18, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to compare across all 50 state ACA plans?
Replies: 15
Views: 805

Re: How to compare across all 50 state ACA plans?

The issue is that one of us has a chronic condition, where the annual costs are guaranteed to burn through any deductible/coinsurance max/etc (e.g., in a cheap year $250k is billed to the insurance company). This issue won't be cured/changed (bad news) but it isn't degenerative or terminal (good ne...
by furwut
Thu Apr 16, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5039

Re: How to get N95 masks? Seriously

Unfortunately a lot of states in the last 24 hours are mandating essential employers to have employees (and customers) wear masks. So getting them is now not being limited. I think the mandate (or suggestion in some areas) is to wear some sort of mask. N95 masks specifically should still be utilize...
by furwut
Tue Apr 14, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 29
Views: 10901

Re: 1095-A mistake (No SLCSP)

While the exchange doesn’t send the SLCSP figure to many taxpayers they do send it to the IRS. How do I know? 2 years ago after looking up the SLCSP on my exchange website instead of $xxx6.xx I entered $xxx8.xx in my taxes. Easy mistake to make for those of us with astigmatism and reading tiny print...
by furwut
Mon Apr 06, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Comparing ACA Options in Maryland
Replies: 5
Views: 333

Re: Comparing ACA Options in Maryland

I have a Kaiser HMO HSA plan in the area. It’s actually a little more then a CareFirst HMO (which also offers, presumably more expensive, PPO plans). One reason for the slight price difference is my Kaiser plan includes some dental and optical coverage. Previously I was on CareFirst with One Medical...
by furwut
Sun Apr 05, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: First-timer facing ACA cliff for 2020: any penalties (or opinions)?
Replies: 12
Views: 940

Re: First-timer facing ACA cliff for 2020: any penalties (or opinions)?

but will wait to see if others can provide personal testimony of past experiences with underpayment. That will depend on your state’s or healthcare.gov administration. I’ve had nothing but trouble with my exchange trying to claim Advanced Premium Tax Credits though I easily qualify. Resulted in 2 l...
by furwut
Sat Apr 04, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer facing ACA cliff for 2020: any penalties (or opinions)?
Replies: 12
Views: 940

Re: First-timer facing ACA cliff for 2020: any penalties (or opinions)?

There no penalty for underestimating your income (short of fraudulent intent I suppose) . If that’s the case you will just have to repay some/all of any advanced tax credits. There is a provision that caps the maximum amount of any repayment so it is (financially) better to underestimate and reconci...
by furwut
Wed Apr 01, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55530

Re: How to get Toilet Paper ? seriously.

Where I live TP and cleaning supplies are still nowhere to be had. Talked to a clerk at one of the stores and he told me that they are restocking every night but at 6am when the store opens people come in and buy entire pallets of the stuff and haul it away in their SUVs. I really wish they’d implem...
by furwut
Sun Mar 29, 2020 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone here retired without owning a house or any real estate?
Replies: 22
Views: 2227

Re: Is anyone here retired without owning a house or any real estate?

I’d say renting enables more predictable expenses in the short term while owning enables more stable expenses over the longer term.
by furwut
Sat Mar 28, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Didn't get insurance on early April Florida condo rental - now what
Replies: 24
Views: 1912

Re: Didn't get insurance on early April Florida condo rental - now what

I can predict many contracts will be broken over the next few months claiming Force majeure . meaning "superior force", also known as cas fortuit (French) or casus fortuitus (Latin) "chance occurrence, unavoidable accident",[1] is a common clause in contracts that essentially frees both parties from...
by furwut
Fri Mar 27, 2020 5:12 pm
Forum: Investing - Theory, News & General
Topic: 90% of individual investors at Vanguard are staying the course
Replies: 48
Views: 4945

Re: 90% of individual investors at Vanguard are staying the course

More than 90% of Vanguard U.S. self-directed individual investors
Wonder how I’m counted? I haven’t done any transactions other then move money from my Prime MM to Ally Bank for the bonus offer.
by furwut
Thu Mar 19, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Closing? [Malvern office due to PA Governor shut down order]
Replies: 19
Views: 1952

Re: Vanguard Closing?

Secondhand information but an employee at Vanguard says they have been shifting to teleworking but many difficulties are being encountered as working from home was not something that was culturally supported before.
by furwut
Thu Mar 19, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Intended Cruise
Replies: 15
Views: 1099

Re: Intended Cruise

... altering their policies to allow full credit for a future cruise
My thoughts are some cruise lines will go into bankruptcy so I’d weigh cash now (even at a discount) versus a tenuous promise of a cruise later.
by furwut
Tue Mar 17, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1082

Re: Cyclists: Looking for a versatile bike for ~$500 (used)

Surly Long Haul Trucker or Surly Crosscheck. Steel bikes that can do anything except race or technical single-track.
by furwut
Mon Mar 16, 2020 9:33 am
Forum: Personal Investments
Topic: 5/25 and Annual Rebalancing -> Recommendation
Replies: 15
Views: 680

Re: 5/25 and Annual Rebalancing -> Recommendation

The further complication here is I may lose my job in June if the economic environment does not improve.
I would ensure a reasonable amount of cash/ low volatility investments are present to ensure basic needs are met and then, and only then, consider rebalancing into stocks.
by furwut
Sun Mar 15, 2020 10:37 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity?
Replies: 7
Views: 796

Re: Vanguard vs Fidelity?

I think you will enjoy this blog post from The Finance Buff:
Choose Your Investments and Your Accounts Separately

The Fidelity as a one stop shop thread got so long someone(s) distilled it down to a wiki entry:
Fidelity: one stop shop
by furwut
Sun Mar 15, 2020 8:34 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity?
Replies: 7
Views: 796

Re: Vanguard vs Fidelity?

I value having all my accounts with a single servicer. Both are very reputable so I think there is little to no institutional risk. One can also hold a Vanguard Fund or ETF at Fidelity (and vice versa I assume) if you want. Fidelity is the best place to hold an HSA for investing. P.S., have you read...
by furwut
Sun Mar 15, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13655

Re: Ally 1% bonus, up to $250

BlackcatCA wrote:
Sun Mar 15, 2020 4:30 pm
Wondering if Ally would honor this now that Fed has lower rates to near zero... transfers are still going for many.
I think as long as you’ve signed up you’re okay. They could shut down further enrollment anytime.
by furwut
Sat Mar 14, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13655

Re: Ally 1% bonus, up to $250

I"m assuming that if I transfer money to an existing Ally Savings account to qualify for the bonus, I can then move that money immediately within Ally (like to another eligible account, like a new CD) without losing the bonus? Not according to the terms & conditions of their cash bonus offer. https...
by furwut
Fri Mar 13, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13655

Re: Ally 1% bonus, up to $250

Edit: Just chatted with Ally, and apparently that won't work, as the funds have to come from a different financial institution. However, they also said funds transferred out of a different Ally account (e.g. CD) wouldn't affect the bonus in the savings account. So, I guess I can just transfer the f...
by furwut
Thu Mar 12, 2020 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How much maintenence expense to ditch an older car?
Replies: 22
Views: 1179

Re: How much maintenence expense to ditch an older car?

My 2 cents: If a beater car for occasionally putsing around town, keep it. If you're commuting 40 miles a day get a new car. +1. For me, it was weighing the inconvenience of a breakdown versus the cost of a new car. Definitely would not want to travel with a car I wasn’t confident of mechanically.
by furwut
Sun Mar 08, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3092

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

https://www.forbes.com/sites/kellyphillipserb/2012/04/15/post-office-gets-it-wrong-when-it-comes-to-tax-advice/#36a0759464cb "Prima facie evidence is a fancy way of saying sufficient proof. In other words, the IRS will only accept registered or certified mail as sufficient proof of mailing. If you ...
by furwut
Sun Mar 08, 2020 10:27 am
Forum: Personal Investments
Topic: Inherited 401k unknown to me until 7 years later...
Replies: 33
Views: 4131

Re: Inherited 401k unknown to me until 7 years later...

David3000 wrote:
Fri Mar 06, 2020 4:47 pm
:oops:
Don’t feel bad. I woke up this morning and was momentarily confused why it was so dark out still.
by furwut
Fri Mar 06, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance shortly after refinancing?
Replies: 12
Views: 1012

Re: Possible to refinance shortly after refinancing?

There is also a specific "no-prepayment penalty" box checked on our Prepayment Penalty disclosure form.
I think that is the key. Shop other lenders for the best deal then come back to your broker and give him the opportunity to match.
by furwut
Tue Mar 03, 2020 5:50 pm
Forum: Personal Investments
Topic: HSA withdrawal strategy for future US non resident
Replies: 4
Views: 327

Re: HSA withdrawal strategy

For a period of just a few years I would do a pay-as-you-go strategy. People with invested HSAs (like me) just got a 13% haircut :shock: .
by furwut
Tue Mar 03, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Home internet uptime monitor
Replies: 27
Views: 1408

Re: Home internet uptime monitor

I’ve had the same problems. I replaced my ISP. No more problems. :happy
by furwut
Sun Mar 01, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Retire Old Desktop Computer
Replies: 40
Views: 2908

Re: Retire Old Desktop Computer

When it comes to disposing Apple and Best Buy will take all electronics without regard to where you purchased it.
by furwut
Fri Feb 28, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: Re-assessing risk tolerance if near/in retirement
Replies: 50
Views: 2536

Re: Re-assessing risk tolerance if near/in retirement

In early retirement and my allocation is (or was until this week) 70/30. The bond portion alone is enough to meet 2x of my basic needs to age 70 at which point the combined income from a pension and social security should be 2x of needs. I’m tending towards a Liability Matching Portfolio (LMP) appro...
by furwut
Tue Feb 25, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

Am I over reacting? Has anyone else changed their travel plans just because of Corona virus? But if this is how I react, I am sure others react similarly and perhaps the impact on tourism industry (which is discretionary spending) is going to be much severe. One thing to consider, it’s easy to pick...
by furwut
Sun Feb 23, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary car insurance for a weekend?
Replies: 14
Views: 1186

Re: Temporary car insurance for a weekend?

[ BTW, I've always wondered about that "with your permission" bit for another driver. That almost (?) suggests that someone stealing your car and driving it would *not* have any coverage at all. Is that really true? RM I think so. You wouldn’t be held responsible (unless you were somehow proved to ...
by furwut
Sun Feb 23, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 30
Views: 2230

Re: Personal Finance/Budgeting Software

I use MINT for aggregating our spending and tracking budgets. It’s free and does a good job. I’ve also used Mint for many years, only recently stopping. I agree it does a good job outside the occasional glitch with a specific bank or two. But, as a Public Service Announcement, it is not free. I bel...
by furwut
Sun Feb 23, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Temporary car insurance for a weekend?
Replies: 14
Views: 1186

Re: Temporary car insurance for a weekend?

[ BTW, I've always wondered about that "with your permission" bit for another driver. That almost (?) suggests that someone stealing your car and driving it would *not* have any coverage at all. Is that really true? RM I think so. You wouldn’t be held responsible (unless you were somehow proved to ...
by furwut
Fri Feb 21, 2020 1:03 pm
Forum: Personal Investments
Topic: Changing Health Savings Account?
Replies: 11
Views: 637

Re: Changing Health Savings Account?

I transferred my HSA to Fidelity and invested in their Fidelity ZERO Total Market Index Fund (FZROX). 0% ER.
by furwut
Fri Feb 21, 2020 8:55 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9845

Re: Has Vanguard deteriorated?

With the advent of commission free ETFs an investor today is free to choose with whom to invest and whom to do the servicing of the account. Like Vanguard’s expertise in indexing? Then buy their ETFs and you can do it all thru a Schwab account if that better meets your needs.
by furwut
Fri Feb 21, 2020 7:50 am
Forum: Personal Investments
Topic: Should WE contribute to Traditional 401K or Roth 401K
Replies: 24
Views: 1449

Re: Should WE contribute to Traditional or Roth IRA

Most people are better off contributing to pre-tax retirement account and then doing conversions, if warranted, in retirement. Contributing now you save taxes at your highest marginal rate. Withdrawal in retirement is taxed progressively so much if not all of the money comes out at a lower tax rate....
by furwut
Thu Feb 20, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 14
Views: 1341

Re: Basic HSA question

HSAs can be used to pay for Medicare premiums.
by furwut
Wed Feb 19, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Using Roth savings to (hopefully) qualify for ACA credits
Replies: 15
Views: 1096

Re: Using Roth savings to (hopefully) qualify for ACA credits

I retired at age 51 and took ACA. To make it work I think it’s important to have no debt and (ideally) own your home free & clear. This reduces the amount one has to withdraw from accounts and helps to keep your income under the cliff. I actually make Roth Conversions to generate extra income each y...
by furwut
Tue Feb 18, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Think Bed Bath & Beyond is at bottom? Any chances thriving?
Replies: 61
Views: 3927

Re: Think Bed Bath & Beyond is at bottom? Any chances thriving?

siriusblack wrote:
Tue Feb 18, 2020 10:23 pm
firebirdparts wrote:
Tue Feb 18, 2020 10:13 pm
come to think of it, I've never seen a retailer hit bottom. They always hit zero. Can anybody think of an exception?
Best Buy
I’ve used them twice recently to replace appliances. Setting up the appointments for delivery and installation was easier, I found, then either Lowe’s or Home Depot.
by furwut
Tue Feb 18, 2020 10:33 pm
Forum: Investing - Theory, News & General
Topic: Think Bed Bath & Beyond is at bottom? Any chances thriving?
Replies: 61
Views: 3927

Re: Think Bed Bath & Beyond is at bottom? Any chances thriving?

The BBB near me is closing. I’ve probably bought stuff there maybe 5 times over 15 years. Amazon is just too convenient.

All retail in my neighborhood is struggling. Yet everyday the USPS driver arrives at my apartment building loaded to the roof with boxes from Amazon.