Search found 1304 matches

by furwut
Thu Jul 26, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: hearing devices
Replies: 5
Views: 463

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: 37
Views: 3462

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: 37
Views: 3462

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: 3969

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: 3210

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: 905

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: 3688

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: 5323

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: 1297

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: 1297

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: 436

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: 564

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: 2131

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: 2915

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: 2915

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: 676

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: 3875

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: 30
Views: 2864

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: 980

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: 1076

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: 1042

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: 1637

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: 4969

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: 497

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: 1225

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: 1225

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: 1167

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: 1473

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: 690

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: 5674

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: 5674

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: 5674

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: 5674

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: 3807

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: 982

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: 3624

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: 3502

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: 1721

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: 1721

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: 1721

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: 2897

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: 169
Views: 18912

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: 3310

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: 2248

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: 870

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: 1607

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: 712

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: 5735

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: 15262

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...