Search found 1336 matches

by furwut
Sun Dec 09, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: HSA recordkeeping question (old receipts)
Replies: 9
Views: 759

Re: HSA recordkeeping question (old receipts)

As you are using your HSA as a pay-as-you-go account I’d forget about the old expenses and just continue with what you are doing.
by furwut
Sun Dec 09, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: ACA - prove you don't have income
Replies: 19
Views: 2118

Re: ACA - prove you don't have income

I was asked to up-date my application this year for the income portion. ... The exchange is required to verify income when seeking a subsidy but how diligent they are seems to vary state to state. In my state, as I’m retired with only investment income, the verification process practically reached ...
by furwut
Tue Dec 04, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9206

Re: The Best HSA

TL;DR

There’s a new sheriff in town and his name is FIDELITY.
by furwut
Sat Dec 01, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 46
Views: 7894

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

Furwut, Yes there are laws that protect consumers on the books. But here is the rub...in most cases consumers cannot go to court to enforce those laws due to mandatory binding arbitration clauses that are buried in account agreements. I know you may not think that is the way it is, or that it shoul...
by furwut
Sat Dec 01, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 46
Views: 7894

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

I am not a lawyer, but based on a few interactions with attorneys on corporate liability cases, I think the attorneys representing a customer who was not reimbursed for fraud would have a field day in court when questioning the representative from the financial institution. As you said, you are not...
by furwut
Sat Dec 01, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 46
Views: 7894

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

I am not a lawyer, but based on a few interactions with attorneys on corporate liability cases, I think the attorneys representing a customer who was not reimbursed for fraud would have a field day in court when questioning the representative from the financial institution. As you said, you are not...
by furwut
Mon Nov 26, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card with (self-limited) income
Replies: 4
Views: 240

Re: Applying for Credit Card with (self-limited) income

If you embellish your income, the card could be cancelled during a financial review, and the debt may be excluded from a bankruptcy. It doesn't sound like those things would be a concern for you. It occurs to me that the definition of income on the application is open to interpretation. What if I i...
by furwut
Mon Nov 26, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card with (self-limited) income
Replies: 4
Views: 240

Applying for Credit Card with (self-limited) income

Any tips on applying for a credit card while having purposefully limited income? I’m an early retiree delaying pension, social security, and (in order to maximize ACA tax credit) my taxable income is modest. When I applied for a card earlier this year I was rejected due to my income level. I’d like ...
by furwut
Sat Nov 17, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me decide on HDHP or PPO? And am I missing anything?
Replies: 10
Views: 994

Re: Please help me decide on HDHP or PPO? And am I missing anything?

but do you mean will the HDHP plan cover the med after the deuctible has been met?
Yes.
by furwut
Sat Nov 17, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3048

Re: My experience with iPhone6s battery replacement

Just had mine replaced yesterday. To the excellent write up by the OP I will note that, in my case, though the replacement battery was new, its current charge level was only 18%. So be prepared to recharge it ASAP.
by furwut
Sat Nov 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Please help me decide on HDHP or PPO? And am I missing anything?
Replies: 10
Views: 994

Re: Please help me decide on HDHP or PPO? And am I missing anything?

It’s open enrollment season and there have been a lot of threads on PPO vs HDHP. The consensus seems to be, and my own opinion as well, is that HDHP makes sense for most people on purely monetary grounds. You have a good handle on that aspect. But its also worthwhile to try to compare the quality of...
by furwut
Mon Nov 12, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1379

Re: Running in the cold rain

I’m looking for winter shoes now. You might try light weight trail shoes with goretex.
by furwut
Mon Nov 12, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 877

Re: Financial Engines thru Vanguard

I don’t use FE. It was offered by my former employer (now retired) and, at the time, when I glanced it suggested a portfolio consisting of around 10 Vanguard funds. I prefer the Bogelhead 3-ish impmentation as it is simpler. Whether one approach is better than another is pretty much the subject of e...
by furwut
Sun Nov 11, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3109

Re: high deductible vs. PPO calculation--high deductible always wins?

One consideration that I don’t think has been mentioned is the incentive that HDHP gives to not consume medical services. Sometimes that may turn out to be ‘penny wise but pound foolish’.
by furwut
Sun Nov 11, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1096

Re: Do I Need A Credit Score?

I too don’t worry about my credit score, but then, I’m retired with no foreseeable intention of incurring anymore debt. However, someone just starting out should be building a good credit history. Not only will this be used to set rates on loans and the purchase of some products (e.g., auto insuranc...
by furwut
Thu Nov 08, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Inactive Capital One 360 Checking & Savings
Replies: 7
Views: 793

Re: Inactive Capital One 360 Checking & Savings

I’m in the process of switching banks away from Capital One and I plan on officially closing the account.
by furwut
Thu Nov 08, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: $300K in assets; pls help w/ auto insurance coverage
Replies: 3
Views: 656

Re: $300K in assets; pls help w/ auto insurance coverage

I think you need to obtain a reasonable amount of liability insurance to protect against a potential large judgment. Your present level of assets shouldn’t enter into the equation. Should you be underinsured it’s possible you will have to give up future earnings and assets to satisfy the claim. So y...
by furwut
Sat Nov 03, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3109

Re: high deductible vs. PPO calculation--high deductible always wins?

Basically, if you’re very sick or very healthy, you’re clearly better off with the HDHP. If you’re somewhere in between, it’s not so obvious. I agree with this. Let your previous years medical costs be your guide. In general, I think there are 2 types of people who should strongly consider the PPO ...
by furwut
Mon Oct 22, 2018 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance bridge until medicare
Replies: 5
Views: 846

Re: Health Insurance bridge until medicare

You can do cobra until you have to switch to the aca plans. Some go with the health sharing plans, but be aware it is not truly insurance. The sticker shock is real. Turning 64 soon and this year the cheapest plan for spouse and I is over 2400 a month for bronze hsa plan. Hence, if possible, manage...
by furwut
Sat Oct 20, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and use of ACA HDHP/HSA?
Replies: 4
Views: 609

Re: Early retirement and use of ACA HDHP/HSA?

I’m currently doing what the OP is contemplating. In my case I’m in DC where Medicaid was expanded to 215% of FPL so the most generous cost-sharing Silver Plan level doesn’t exist
by furwut
Sat Oct 20, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2118

Re: Using Mint: Am I correct in having my security concerns allayed?

Banks don’t want you logging onto aggregator sites like Mint and, possibly, being sold cross products for Mint’s benefit. They’d rather you directly logon to their site so they can sell you stuff that profits them. I’ve used Mint for years but, right now, I’m switching my primary bank to Ally and ha...
by furwut
Wed Oct 17, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17066

Re: Where would you go for financial guidance if you win the Megamillions?

Some states allow prizes to be claimed anonymously. I would wait awhile to let interest die down, bit not too long it becomes a mystery, and engage a lawyer who works with high wealth individuals as a cut out. I would think long and hard about telling people. Once the secret is out everyone will be ...
by furwut
Wed Oct 17, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 50
Views: 3957

Re: What tools do you use to track your finances?

Mint to track spending from my cash accounts.
Vanguard to track my investment accounts.
by furwut
Wed Oct 17, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5680

Re: Cross-country trip via Amtrak

I’d consider the Canadian route. Banff is supposed to be spectacular. Don’t know if I’d do it roundtrip given the extra cost. Last - can you get off the train for a day or so to explore and then resume your journey? I’d pay more for that option.
by furwut
Fri Sep 28, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5632

Re: Geico umbrella us dropping me. What can I do?

Insurance companies have data that shows the more accidents one has (regardless of fault) the likier it is for there to be future accidents. Shedding umbrella coverage, then, is simply a risk reduction on their part.
by furwut
Tue Sep 25, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4936

Re: 2019 ACA prices out

... I've seen absolutely no advertising or information regarding the open enrollment. I got one very curt email from healthcare.gov regarding 2019. That’s by design. Promotion, advertising and facilitation has been cut to the bone. It’s almost as if the government didn’t want you to know about the ...
by furwut
Tue Sep 25, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4936

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliz...
by furwut
Tue Sep 25, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4936

Re: 2019 ACA prices out

rantk81 wrote:
Tue Sep 25, 2018 7:48 am
Is there a link on the healthcare.gov site that shows the available plans/prices for 2019? I can't seem to find it. It will only let me browse 2017 and 2018 plans and prices.
They will be Nov 1st when open enrollment begins.
by furwut
Thu Sep 20, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 39
Views: 2932

Re: Another Wifi extender thread

I got this to get WiFi into my neice’s back bedroom:
https://www.amazon.com/D-Link-DAP-1520- ... B00PVCXB4Y
by furwut
Wed Sep 12, 2018 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3346

Re: Opinion's: Best time to withdraw RMD's when required to do so.

Taxes. I pay estimated taxes based on the previous year under safe harbor rules.

Unless there is a sudden spike in income you shouldn’t face a surprise come April.
by furwut
Wed Sep 12, 2018 4:18 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3346

Re: Opinion's: Best time to withdraw RMD's when required to do so.

The penalty for under withdrawal is severe. I suggest enrolling in a RMD service with your provider. I have an inherited IRA for which I must take a RMD. The amount is small so I have the service distribute it annually in December. But once I begin taking RMDs from my own accounts and, needing the m...
by furwut
Thu Jul 26, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: hearing devices
Replies: 5
Views: 518

Re: hearing devices

Apple has an interesting feature coming soon for their AirPods wireless earbuds. It’s called Live Listen.

https://www.google.com/amp/s/techcrunch ... os-12/amp/
by furwut
Thu Jul 12, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5094

Re: New construction: financing fell through, builder won't return deposit/earnest $

Sue them now. Quit with this pansy letter writing stuff send them a court stamped summons and complaint. Then they have to consider if it is worth it to hire a lawyer and spend 20k to keep 15k. A letter to your state AG wouldn't hurt either. And what if judgement is for the defendant plus attorney ...
by furwut
Thu Jul 12, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5094

Re: New construction: financing fell through, builder won't return deposit/earnest $

I guess this is an example where paying a real estate lawyer up front to review the contract would have been worth it. An ounce of prevention ...
by furwut
Mon Jul 09, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4323

Re: WiFi router

Many of the modern modems supplied by the telcom companies include WiFi router functionality.
by furwut
Tue Jun 26, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Is day trading profitable?
Replies: 36
Views: 3415

Re: Is day trading profitable?

After reading Michael Lewis’s book, Flash Boys, on high frequency trading and dark pools I have no illusions on day trading as a profitable activity.
by furwut
Wed Jun 20, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 967

Re: iPad/iOS - feature or bug?

You might try adjusting the settings on Safari to open links in a new tab instead. Also, rather than hitting the back button, you can swipe right, starting on the bezel. This, as far as I can tell, restores the previous page without refreshing from the website.
by furwut
Wed Jun 20, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3986

Re: What will (or would) you tip when wages go up?

20% always, unless there is a service fee. Then nothing. I've never even considered checking wage laws in the US. I do when traveling internationally, but that's rare these days. They need the money more than I do. Besides that while system is crazy complex. It's almost as nuts as our healthcare sy...
by furwut
Tue Jun 19, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5819

Re: Road trip Pennsylvania,Maryland,and DC

Adventure Cycling - take the Great Allegheny Passage and C&O bike trails all the way from Pittsburgh to DC car free.
by furwut
Wed Jun 13, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1487

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

Someone mentioned: "Will your employer allow you to continue COBRA-like coverage after the 18 month mark? Call them and ask. That's what we're planning on." Is this to say the 18 month COBRA coverage period is a minimum required by law, and that an employer can offer COBRA for a much longer period?...
by furwut
Tue Jun 12, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1487

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

Rupert wrote:
Tue Jun 12, 2018 8:25 am
A headline I read last week suggested that insurers are now free to ignore the ACA's prohibition against pre-existing condition exclusions.
Not yet. I think you are referring to a new DOJ challenge that the ACA law is unconstitutional now that the individual manadate has been removed.
by furwut
Mon Jun 11, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACH fraud to savings account
Replies: 1
Views: 460

Re: ACH fraud to savings account

I do not know if any bank routinely holds their customers partially liable for fraudulent transactions. But why test the bank’s patience? Make full use of the spending alerts the bank provides AND regularly review your transactions.
by furwut
Mon Jun 11, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Very Basic 401k question
Replies: 7
Views: 609

Re: Very Basic 401k question

I don't think anybody can answer this because it depends on your plan. Would be a great question for somebody in HR. I feel your pain on the Wells Fargo options because the company I retired from used them originally when I started working there. They eventually switched to Vanguard which was a lot...
by furwut
Mon Jun 11, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2274

Re: Pre 65 Retirees - Healthcare

Healthcare.gov will give you a more accurate estimate for your location as well as the value of the subsidy if your income is below 400% Federal Poverty Level.
by furwut
Fri Jun 01, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Just bought condo; crazy to take out HELOC to buy a parking spot?
Replies: 28
Views: 3168

Re: Just bought condo; crazy to take out HELOC to buy a parking spot?

I didn't know there could be HOA fees/property taxes. I will have to enquire about that! I am not familiar with condo insurance but you should also check with your homeowners insurance and that will likely go up too. I don’t think i pay any additional property insurance for my spot. It may even be ...
by furwut
Fri Jun 01, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Just bought condo; crazy to take out HELOC to buy a parking spot?
Replies: 28
Views: 3168

Re: Just bought condo; crazy to take out HELOC to buy a parking spot?

I haven’t owned a car since 2003. In 2004 I bought a new construction condo along with a car space. I’ve had no problem renting it as, like you, there are fewer car spots then units in the building and no easy street parking. When it comes to reselling the condo, I believe, having a parking spot is ...
by furwut
Fri Jun 01, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax shelter- what am I missing?
Replies: 6
Views: 733

Re: Tax shelter- what am I missing?

If your investment choices in the 401k are good you might just max that out. If your investment choices leave something to be desired, or you want to investment even more, you can contribute to a non-deductible IRA and perform a Backdoor Roth procedure (look it up in the Wiki) to move the money to a...
by furwut
Sat May 26, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 4183

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

Keep in mind, should you receive Medicaid benefits after age 55, that the state has the right to recover payments from your estate.
by furwut
Fri May 25, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7397

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.