Search found 1477 matches

by furwut
Thu Sep 12, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6228

Re: How old is your cellphone?

LiterallyIronic wrote:
Wed Sep 11, 2019 12:52 pm
megabad wrote:
Wed Sep 11, 2019 12:38 pm
Side note: I can usually judge an "old phone" person by the type of case they have.
What can you tell about us few who don't put their phone in a case?
You like to live dangerously?
by furwut
Thu Sep 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6228

Re: How old is your cellphone?

Four years old, iPhone 6S. I love my phone. However, I have small hands and joint issues, so I'm going to avoid upgrading as long as possible, since all upgrades would be bigger and heavier. The iPhone 8 is the same size and it is now Apple’s budget priced phone in their current lineup. You should ...
by furwut
Thu Sep 12, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6228

Re: How old is your cellphone?

Currently running an iPhone 6 (purchased December 2014) With software support ending on it shortly, I’m starting to get the itch to pull the trigger on a new device, but I would hate to do so because my device is still working. Do other bogleheads push their devices past their software support? Any...
by furwut
Sat Sep 07, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

I used Mint for many years. Good tool for allowing one to see the big picture budget wise. Never paid Mint anything. They say the costs of providing the service is met by advertising (never saw much) and commission on click thru to advertisers (never accepted any of those offers either). I came to b...
by furwut
Mon Aug 19, 2019 6:24 pm
Forum: Personal Investments
Topic: COBRA and HSA questions
Replies: 4
Views: 438

Re: COBRA and HSA questions

Publication 969 (2018), Health Savings Accounts and Other Tax-Favored Health Plans says yes. Insurance premiums. You can’t treat insurance premiums as qualified medical expenses unless the premiums are for: Long-term care insurance. Health care continuation coverage (such as coverage under COBRA). ...
by furwut
Fri Aug 16, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Luggage Tracker
Replies: 18
Views: 1129

Re: Luggage Tracker

Tile reports its location through any Tile user. So it just has to be in range of someone who also has the app. Coverage is only as good as the network of users - but I’d think airports would be good places for it.
by furwut
Wed Aug 14, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Provider choosing to bill as out of network
Replies: 35
Views: 2473

Re: Provider choosing to bill as out of network

You verified the provider is in-network? The OP said the provider IS in-network. But I would be interested in how they determined that. Yes, the provider is in-network. I verified by going to BCBS's website and using the "Find a doctor" search. Unfortunately that is not always determinative. Provid...
by furwut
Mon Aug 12, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10158

Re: Apple Card

What is everyone’s initial impressions? I am pretty underwhelmed. 2% cash back on purchases with Apple Pay, 1% cash back on purchases with your physical card. Any thoughts on whether it will integrate with quicken? Since it has 3% cashback on Apple purchase and 2% cashback on Apple Pay and no fee w...
by furwut
Wed Aug 07, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12363

Re: Amazon -- no longer the lowest prices, evidently

What concerns me most is the day Amazon weaponizes that data dossier they’ve been building on everybody and begins to offer different prices to different people.
by furwut
Tue Aug 06, 2019 12:19 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 190
Views: 63123

Re: Master thread for Washington DC Area Bogleheads

Hello, I apologize if this is the incorrect form to request an invite, but I wrote to the posted email and my message was returned as undelivered. I have recently moved to the area and would like to join the local chapter. I have been active on the Bogleheads.org group, handle = cresive, and would ...
by furwut
Tue Jul 30, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: HSA - How to organize files and receipts
Replies: 7
Views: 923

Re: HSA - How to organize files and receipts

For now I’m just scanning the receipts and stashing them with my tax information for the year. I anticipate using my HSA on future medical expenses and premiums once I’m on Medicare. But the receipts are good to have in case I need to raise cash in an emergency without incurring additional taxes.
by furwut
Sun Jul 14, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 2834

Re: Health Care Options Until Age 65?

I am 58 years old and thinking about retiring in the next year or so. ... You should also be aware that continuance of ACA is uncertain. So that’s a point in favor of starting off with COBRA or Employer Retirement Health Insurance - at least until things become clearer. Once you reject COBRA or emp...
by furwut
Fri Jul 12, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4434

Re: Another NFCU CD deal

Once your family member joins Navy Federal, you'll be eligible as well. If they can't or don't want to become a member right now, you can still join. You may need one of the following documents from your family member: Driver's License with Veteran's designation State-issued Veteran ID Card Militar...
by furwut
Fri Jul 05, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Unsolicited Diamond Investment Call
Replies: 26
Views: 2069

Re: Unsolicited Diamond Investment Call

I don’t answer the phone unless its a recognized number from my contact list. 99 out of 100 of the unrecognized ones are spam. Could have been a random call. I think it’s at least equally likely that you were on a list they rented from somewhere. In another time magazines all rented out their subscr...
by furwut
Wed Jul 03, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Lengthy notices from all our credit cards?
Replies: 16
Views: 1849

Re: Lengthy notices from all our credit cards?

I’ll have to confess that I don’t spend a second reading any of them. I’m relying on Government and the Consumer Protection Financial Bureau to have my back. Should I be worried? :shock: In 2012 Atlantic estimated it would take 76 work days to read all the Terms your are presented with over the cour...
by furwut
Wed Jul 03, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6425

Re: Adult son has not controlled credit card overuse!

Many lack the ability to control impulsive desires. That’s why credit cards exist and do a darn good business! I have run across many in life that cognitively understand they can’t afford what they are spending but do it nonetheless. I don’t know if people can truly change but they can adopt coping ...
by furwut
Mon Jul 01, 2019 7:54 am
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 190
Views: 63123

Re: Master thread for Washington DC Area Bogleheads

The Arlington County Library Stock Talks group had a virtual meeting yesterday & a number of callers asked about what was going on with the DC Bogleheads. I'm sure there are many of these callers who would like to know if a meeting of DC bogleheads is going to be occurring soon. Is there anything o...
by furwut
Sat Jun 15, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any Aviation Medical Examiners out there?
Replies: 5
Views: 1395

Re: Any Aviation Medical Examiners out there?

It’s possible such a deduction is allowed. I imagine this letter, when you get it, will clarify things. I would try to ascertain for sure with the IRS before claiming anything though. And have patience - my dealings with them the last 2 years on questioned items has made me believe they are understa...
by furwut
Sat Jun 15, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 93
Views: 8193

Re: IPhone 6 - showing some age

in other words, is the reason our batteries drain faster "old battery" or "more bloated IOS wasting energy"? Your battery is of an age that you are likely noticing some issues. See my other post to on how to check its health. Apple says it has made improvements to iOS 12 (and soon iOS 13) that shou...
by furwut
Sat Jun 15, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 93
Views: 8193

Re: IPhone 6 - showing some age

I had a 6+ that was about 4 years old and having no problems. Bought a XR for $750 and now enjoy the improved technology including Face ID which is even better than Touch ID. Think it makes sense to upgrade every 4-5 years even if everything is working well. Technology marches on! As noted in my ot...
by furwut
Sat Jun 15, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 93
Views: 8193

Re: IPhone 6 - showing some age

Up thru Dec 31 of last year Apple was replacing batteries for just $29. Appears you missed that. If this is the original battery it likely is due for replacement. Check Settings > Battery > Battery Health. Once the Maximum Capacity is less than 80% Apple recommends replacement. If you don’t want to ...
by furwut
Tue Jun 11, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Checking vs Capital One 360 Checking
Replies: 16
Views: 1614

Re: Ally Checking vs Capital One 360 Checking

I had Capital One 360 but moved to Ally to get last year’s bonus offer. Both are very good internet banks and I’m at a loss to find any meaningful difference between them. A couple of times I had to call Capital One and they were very responsive. Haven’t had to (yet) with Ally. Opening a CD with All...
by furwut
Fri May 31, 2019 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to mail check to IRS for taxes ($4000) - what now
Replies: 24
Views: 2838

Re: Forgot to mail check to IRS for taxes ($4000) - what now

Review the instructions from the tax form on how to send in the payment. Things like writing for Tax Year 20XX and SSN on the Check and including the payment coupon.

In a few months you’ll possibly get a letter asking you to pay any small penalty and interest due because of the late payment.
by furwut
Thu May 23, 2019 6:19 am
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 190
Views: 63123

Re: Master thread for Washington DC Area Bogleheads

Lindyhopper wrote:
Thu May 23, 2019 5:46 am
Is there a schedule published in advance someplace?
I think they are the 3rd Sunday of every odd numbered month (i.e., Jan, Mar, May, Jul, Sep, Nov). Recent meetings have been held either at the Arlington Central Library or the Silver Spring Library depending on availability.
by furwut
Wed May 22, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 14181

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

And if you want an asset allocation that remains constant, the Vanguard Life Strategy.series of funds offer a nicely-diversified portfolio in a single low-cost fund that rebalancs automatically. Yes, a Life Strategy fund is on my radar as well. Having “over saved” I’m not certain I want a fund as c...
by furwut
Tue May 21, 2019 5:56 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 190
Views: 63123

Re: Master thread for Washington DC Area Bogleheads

I missed the notice about the May meeting. The slip-up prompts to wonder if there's any way I can reach the moderator of the DC chapter to find out how I could get a notice pushed to me rather then me having to pull it by looking in on this thread. You can subscribe to this thread. Then you’ll get ...
by furwut
Tue May 21, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Postponing Roth Conversion & receive a larger ACA subsidy
Replies: 22
Views: 1143

Re: Postponing Roth Conversion & receive a larger ACA subsidy

I’m minimizing taxable income so as to maximize the ACA tax credit. Here’s an article that covers the subject: Go Curry Cracker:Obamacare Optimization vs Tax Minimization Optimizing Obamacare vs Minimizing Taxes presents a classic trade-off. On the one hand, it would be nice to maximize Obamacare su...
by furwut
Sat May 18, 2019 6:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard Long Term Bond Index to charge 0.50% fee on purchases
Replies: 65
Views: 6508

Re: Vanguard "Slaps" a fee onto Bond Funds

Vanguard says it may levy these fees if a client’s purchases over a 12-month period exceed $100 million up to $500 million, depending on the fund. Whew! My activity is just under the frequent trader limit by $100 million. As a long-term investor I support this move. Let the institutions that are ge...
by furwut
Fri May 17, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 24
Views: 4624

Re: Help me understand the ACA Cliff

Bumping an old thread.... I was on healthsherpa.org looking at the cost of various plans, ... First off I wouldn’t rely on healthsherpa being accurate. Use Healthcare.gov or the corresponding state exchange (caveat emptor: my state exchange has gotten in wrong as well). If your income is below 400%...
by furwut
Thu May 16, 2019 4:01 pm
Forum: Personal Investments
Topic: Impact of early semi-retirement on SS when the time comes?
Replies: 15
Views: 1682

Re: Impact of early semi-retirement on SS when the time comes?

Social Security replaces 90% of your earnings up to a certain level, then 32% and, finally 15%. If you plot these levels out on a graph they are called bend points. Continuing to work just to enhance social security is not as rewarding once your are past the second bend point. Here is a calculator t...
by furwut
Mon May 13, 2019 9:31 am
Forum: Personal Investments
Topic: Expense ratios Life Strategy Mod. vs. individual holdings
Replies: 9
Views: 812

Re: Expense ratios Life Strategy Mod. vs. individual holdings

Here’s Mike Piper on All In One Funds . If we’re assuming there’s no difference in original allocation (i.e., the person would start off holding either the LifeStrategy fund or an identical allocation via individual index funds), then the upside of an all-in-one fund is that it’s easier to stick wit...
by furwut
Wed May 08, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: GEICO assigning higher risk driver to more expensive car
Replies: 8
Views: 1098

Re: GEICO assigning higher risk driver to more expensive car

It varies by state but, yes, in some states the rating models permitted by the state’s insurance regulator allow insurers to assign drivers to specific cars.

If it’s making a large difference in your premium now is a good time to check rates with other insurers.
by furwut
Mon May 06, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle [digital payment system]
Replies: 23
Views: 2836

Re: Zelle

I use Zelle for family and friends. For a large payment to a new person I’d be cautious that I’m entering the right receiver info (i.e., phone number or email address). Maybe send a trial $1.00 first and confirm? If you send the money to the wrong person you’ll have a devil of a time getting the ban...
by furwut
Fri May 03, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 6469

Re: Berkshire buying stake in Amazon - my opinion

I think the assumption that Berkshire buys traditional value bargains is probably not correct. That might be what they happen to usually buy based on their analysis, but I think they are looking for opportunity regardless of style. Buffet likes companies that have a (nearly) insurmountable competit...
by furwut
Fri May 03, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2976

Re: Europe with teens - hotel options

AirBnB?
by furwut
Thu May 02, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: I have a buddy in Australia he says he pays for each email. I never heard of this. Is this true?
Replies: 17
Views: 3484

Re: I have a buddy in Australia he says he pays for each email. I never heard of this. Is this true?

Ask him who his ISP is and checkout their webpage. Maybe he’s on satellite like NYC Guy suggests? Maybe he’s referring to a cellular plan?
by furwut
Thu May 02, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: I have a buddy in Australia he says he pays for each email. I never heard of this. Is this true?
Replies: 17
Views: 3484

Re: I have a buddy in Australia he says he pays for each email. I never heard of this. Is this true?

If he’s someplace fairly isolated Internet capacity could be severely limited and any usage charged accordingly. He might count himself among the lucky to have access at all.

Here in the US Comcast is introducing data caps on its users.
by furwut
Thu May 02, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Does paying a child for chores count as earned income?]
Replies: 17
Views: 1773

Re: [Does paying a child for chores count as earned income?]

Kiplinger’s says not so fast Opening a Roth IRA for your child is a great idea (see Why Your Kids Need a Roth IRA to learn more). But you can't open one unless your child has earned income from a job. And giving your child an allowance in return for doing chores around the house doesn't count as ea...
by furwut
Sat Apr 27, 2019 6:05 am
Forum: Personal Investments
Topic: Money Missing from my Vanguard account?
Replies: 46
Views: 8392

Re: Money Missing from my Vanguard account?

My Balances and Holdings and Summary are usually different for several hours (about three) in the evening. Also there is always money “missing” from my Portfolio Watch until the next day. Check in the morning. I think their website updates different securities and different parts of their website a...
by furwut
Fri Apr 19, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 2204

Re: Best Credit Card for College Freshman

Apple Card? No late fees.
by furwut
Thu Apr 18, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2854

Re: Insurance Advice after bicycle accident

EDIT TO ADD: As I think about this the advice recommended above to consult a personal injury attorney is exactly right. They are the experts and will be able to tell you if you have a viable claim worth *their* time. The initial consult should be free. Nature of their business. Look for one that spe...
by furwut
Fri Apr 12, 2019 5:14 pm
Forum: Personal Investments
Topic: Program for withdrawal and income streams??
Replies: 2
Views: 314

Re: Program for withdrawal and income streams??

I believe many like to use i-ORP.
https://www.i-orp.com/bequest/index.html

The Wiki has a section on Retirement Calculators:
Retirement calculators and spending
by furwut
Wed Apr 03, 2019 4:36 pm
Forum: Personal Investments
Topic: Help me understand MAGI
Replies: 7
Views: 907

Re: Help me understand MAGI

radchad3 wrote:
Wed Apr 03, 2019 4:32 pm
I did not realize this. How does anyone know where they stand in regards to the subsidy cliff if there are multiple?
Ah, the ACA (aka Obamacare) has its own MAGI calculated as follows
http://laborcenter.berkeley.edu/pdf/201 ... mary13.pdf
by furwut
Wed Mar 27, 2019 7:25 am
Forum: Personal Investments
Topic: Avoiding tax torpedo at 70.5
Replies: 36
Views: 4759

Re: Avoiding tax torpedo at 70.5

Because it is extremely unlikely that I will ever spend all my money, I am planning on leaving most of it to charity.
That’s great! Just a word of caution - don’t overlook the possibility of large future expenses for long term care.
by furwut
Wed Mar 27, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Switching from reseller to Sprint
Replies: 16
Views: 637

Re: Switching from reseller to Sprint

Have you tried this: https://www.sprint.com/en/shop/bring-your-phone-to-sprint.html That is the site that tells me I have service with Sprint. My guess is they check the device ID in their device ID database and don't check whether it's a customer of theirs or that of a reseller. Not service, input...
by furwut
Wed Mar 27, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10158

Re: Apple Card

The titanium and looks thing should not be underestimated. If you have 3 different cards in your wallet, you'll choose the one that looks and feels nice. Oooh, so nice and shiny. My precious! :D I'm wondering if there's any real advantage to not having the card number and CVV printed on it. I alway...