Search found 1320 matches

by samsoes
Tue Nov 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage relief for an estate after Death
Replies: 2
Views: 107

Re: Mortgage relief for an estate after Death

Most mortgage documents call the loan (make all of it due, now) when the note holder(s) die.
by samsoes
Mon Nov 18, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Re: Alternatives to VOIPo?

Hot off the press - "Update and apology" from VOIPo's CEO: http://forums.voipo.com/showthread.php/110438-Update-and-Apology-from-VOIPO That's all well and good, but my phone line is still dead. And there are many people complaining on Twitter that they have lost money today since their business phon...
by samsoes
Mon Nov 18, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Re: Alternatives to VOIPo?

Nicolas wrote:
Mon Nov 18, 2019 6:50 pm
samsoes wrote:
Mon Nov 18, 2019 6:34 pm
VOIPo is still out.
It’s working for me, I just tested it. Maybe it’s a problem just in certain areas (?)
Sounds like it. I just power-cycled my adapter yet again, to no avail.
by samsoes
Mon Nov 18, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Re: Alternatives to VOIPo?

VOIPo is still out. There are some very robust comments on Twitter regarding this outage: https://twitter.com/VOIPO/status/1196506805540515840 . I may go to Best Buy tomorrow and buy an Ooma box. The alternative is to subscribe to Comcast Voice for an additional $38/month over what I pay now for int...
by samsoes
Mon Nov 18, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Re: Alternatives to VOIPo?

SimonJester wrote:
Mon Nov 18, 2019 1:28 pm
William4u wrote:
Mon Nov 18, 2019 12:50 pm
I have found that google voice is reliable and free with an Obi 200.
Free yes, reliable mostly. I have gotten every penny I have paid out of this service and more...
Hmmm ... what's the "mostly" refer to? What type of issues have you experienced and how were they resolved?
by samsoes
Mon Nov 18, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Re: Alternatives to VOIPo?

I have found that google voice is reliable and free with an Obi 200. Is there any customer service phone number available in the event of a problem, or at least an online trouble-ticket system? I have "very" octogenarian parents in the next town and reliability and the ability to quickly resolve is...
by samsoes
Mon Nov 18, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 24
Views: 1027

Alternatives to VOIPo?

Hi folks, many years ago I transitioned my home phone to VOIPo (www.voipo.com) and had been absolutely amazed with the quality and price of the service. Over the past few months, however, they have gotten quite unreliable. They have been down more often than not (and are down as I type this). They a...
by samsoes
Sat Nov 16, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Double-dipping with cash-back app
Replies: 12
Views: 1094

Re: Double-dipping with cash-back app

runner3081 wrote:
Sat Nov 16, 2019 3:38 pm
I assume the store gives you a new physician GC upon return.
What's a physician gift card? Are these cash back deals only available to doctors?
by samsoes
Fri Nov 15, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Anyone switch from oil to propane?
Replies: 30
Views: 1403

Re: Anyone switch from oil to propane?

Cheez-It Guy wrote:
Fri Nov 15, 2019 10:52 am
Image
Hank Hill is my hero, I tell you what! :mrgreen:
by samsoes
Thu Nov 14, 2019 11:09 am
Forum: Personal Investments
Topic: WEP from working overseas?
Replies: 8
Views: 454

Re: WEP from working overseas?

What does "WEP" mean?
by samsoes
Thu Nov 14, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2776

Re: Garage Generator Install

firedawgy wrote:
Thu Nov 14, 2019 7:56 am
I have standard 3br house, attached garage with FROG.
What is FROG? (Assuming, of course, it's not an amphibian.)
by samsoes
Wed Nov 13, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be audited?
Replies: 51
Views: 4237

Re: Will I be audited?

fortfun wrote:
Mon Nov 11, 2019 7:51 pm
I don't think there is anyone left working at the IRS to audit you. I think it has been gutted...
Sadly, I can't find any tissues to dry my eyes...
by samsoes
Wed Nov 13, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3503

Re: Snow tires

Sgnoweht wrote:
Mon Nov 11, 2019 7:32 pm
Does LC= land cruiser? Dedicated snow tires on a land cruiser should be unstoppable ! Some day I'll get spare wheels and dedicated snows for my LC!
I thought LC was an abbreviation for Lincoln Continental. Non-intuitive ambiguous acronyms are ubiquitous on this site.
by samsoes
Wed Nov 13, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4901

Re: First Republic Bank doesn’t have physical coins

ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting. :-? ftw = "for the win" What does “for the win mean”? https://en.wiktionary.org/wiki/for_the_win So I have to do research to figure out what you are trying to communicate? I also prefer spelled-o...
by samsoes
Wed Nov 13, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4901

Re: First Republic Bank doesn’t have physical coins

nervouscorps wrote:
Fri Oct 25, 2019 12:57 pm
FRB is the real deal. Have switched to them and never regretted it.
FRB? :?:
by samsoes
Wed Nov 13, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4901

Re: First Republic Bank doesn’t have physical coins

mptfan wrote:
Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote:
Fri Oct 25, 2019 10:45 am
Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
I agree, wholeheartedly. Non-intuitive acronyms are ubiquitous on this site's postings. :annoyed
by samsoes
Mon Nov 11, 2019 7:10 am
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1591

Re: What should the AA of a young retiree be?

I just FIRE'd, mid-50's, single, no kids, not intending to leave anyone an inheritance. I've accumulated > 51x of 150% expenses (not including SS). Current AA: 70/30. No more Megacorp Rat Race for me. That's 76X expenses of which 23X is in fixed income. Of course you can hold more equity, you have ...
by samsoes
Sun Nov 10, 2019 3:52 pm
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1591

Re: What should the AA of a young retiree be?

I just FIRE'd, mid-50's, single, no kids, not intending to leave anyone an inheritance.
I've accumulated > 51x of 150% expenses (not including SS). Current AA: 70/30.
No more Megacorp Rat Race for me.
by samsoes
Fri Nov 08, 2019 3:18 pm
Forum: Personal Investments
Topic: Question about the 5 Year Rule for Roths
Replies: 14
Views: 1831

Re: Question about the 5 Year Rule for Roths

Roth contributions are Roth contributions, regardless of the number of times you roll them around to different custodians. Just keep your 1099-R forms to substantiate the aggregate contribution amount. Aren't contributions reported on a 5498, and distributions/withdrawals on a 1099-R? I wish I had ...
by samsoes
Thu Nov 07, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2397

Re: Question on refilling prescriptions

I did the pill-splitting thing once, with a cholesterol med. It wasn't time released or coated, etc., so splitting theoretically worked. Bought a pill-splitter from CVS. Even though the pills were scored, they hardly ever split 50/50. Most of the time it was 60/40 or worse. Oftentimes, the pills cru...
by samsoes
Thu Nov 07, 2019 1:31 pm
Forum: Personal Investments
Topic: Question about the 5 Year Rule for Roths
Replies: 14
Views: 1831

Re: Question about the 5 Year Rule for Roths

Roth contributions are Roth contributions, regardless of the number of times you roll them around to different custodians. Just keep your 5498 forms to substantiate the aggregate contribution amount. Edit: I mistakenly said 1099-R when I meant 5498. These are received in May and reflect IRA contribu...
by samsoes
Thu Nov 07, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use this HSA plan?
Replies: 6
Views: 329

Re: Should I use this HSA plan?

The "basic" insurance option is less expensive than the HDHP/HSA? That's bizarre. My old Megacorp heavily encouraged HDHP's (with HSA) by making them free for single employees, and substantially cheaper for those with spouses and kids. Plus they contributed significantly into the HSA. From what you'...
by samsoes
Thu Nov 07, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How does bookkeeping for an HSA work (keeping receipts for decades)
Replies: 6
Views: 560

Re: How does bookkeeping for an HSA work (keeping receipts for decades)

...paying out of pocket for health care expenses and then submitting receipts years or decades later from the HSA. Unlike an FSA, you don't have to submit anything to get reimbursement from a HSA. You simply write yourself a check from the HSA to get reimbursed. Just make sure you have a record of ...
by samsoes
Wed Nov 06, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10295

Re: How common is ACH fraud on checking accounts?

I think they are trying to say to never give your routing and account number to anyone. Online bill pay, for instance, at most banks does not divulge the checking account number to the payee. That depends. When using online bill pay, and the payee can't receive electronic payments, they are sent a ...
by samsoes
Fri Nov 01, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Date to cash savings bonds at bank
Replies: 4
Views: 397

Re: Date to cash savings bonds at bank

Always cash savings bonds on the first of the month. You'll get the maximum interest for the month at that point. Waiting until the 31st will not give you anything more. Unless you have a stack of bonds an inch thick, they will be processed while you wait.
by samsoes
Fri Nov 01, 2019 6:45 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3072

Re: VPNs

runner3081 wrote:
Tue Oct 29, 2019 10:05 pm
Windscribe. Free.
Beware of "free" VPN services. They make money off of you somehow: https://restoreprivacy.com/free-vpn/
by samsoes
Mon Oct 28, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2904

Re: Furnace air filters

I use www.FiltersFast.com -- they would likely provide a $5 coupon for a first-time user.
by samsoes
Thu Oct 24, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2491

Re: How to get quicker hot water

Agree, wholeheartedly.

I've gone on rural missionary trips to a few impoverished countries, and clean water is a huge concern for these folks.
by samsoes
Thu Oct 17, 2019 8:48 am
Forum: Personal Investments
Topic: How to buy NTSX in Vanguard [large spread]?
Replies: 13
Views: 794

Re: How to buy NTSX in Vanguard [large spread]?

Hello BHs, Can someone please guide me on the best way to buy NTSX in Vanguard. The main confusion I have is the HUGE difference between Bid and Ask. I am assuming that I should not place Market order. I checked some other ETFs and the difference in Bid and Ask is in cents, but with NTSX it's very ...
by samsoes
Wed Oct 16, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4462

Re: Good camera system to watch the babysitter

greg24 wrote:
Wed Oct 16, 2019 3:46 pm
Is it legal in your state to secretly video tape an employee? A minor employee? Or I guess he/she would be an independent contractor.
Depends if the "Nanny tax" was paid or a 1099 provided to the babysitter.
by samsoes
Wed Oct 16, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4462

Re: Good camera system to watch the babysitter

SrGrumpy wrote:
Wed Oct 16, 2019 1:35 pm
Will this camera catch her doing coke in the bathroom? ... some dude in your bedroom?
The camera may capture images of the aforementioned dude entering the house and heading to the bedroom with the babysitter...
by samsoes
Wed Oct 16, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra coverage and ACA mandate
Replies: 9
Views: 821

Re: Cobra coverage and ACA mandate

Thanks to these forums, I'm thinking we will simply rely on the ability to start cobra within 60 days, and for it to create retroactive coverage. IE if something happens requiring medical care during that month, we will sign up for Cobra AFTER it happens and get it covered that way. Are you certain...
by samsoes
Wed Oct 16, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 5613

Re: How to avoid Medicare IRMAA Surcharge

retiredjg wrote:
Wed Oct 16, 2019 7:40 am
I took it as a typo.

However, Roth 401k/403b and Roth TSP are subject to RMDs but most people find that easy to get around by doing a rollover to Roth IRA.
Ohhhhh...see? I learned something. I didn't know Roth employer plans are subject to RMDs. The folks on this site are the best!
by samsoes
Wed Oct 16, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 5613

Re: How to avoid Medicare IRMAA Surcharge

Small Law Survivor wrote:
Mon Oct 07, 2019 6:55 am
And, since RMDs are determined by the value of the tRoth portfolio
As I understand it, RMD's are determined by the 12/31 balance of traditional IRAs; Roth balances don't enter the RMD equation at all. Have things changed recently?
by samsoes
Tue Oct 15, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4153

Re: How much do you spend on cellular annually?

$420 annually with Cricket, on the AT&T network.

It's $35/month, unlimited talk and text, 5 GB of data. If you go over data, there's no additional charge, they just slow you down until the next billing cycle. (I've only come close once in 2 years.)
by samsoes
Mon Oct 14, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: When Is The Bid Ask Spread Lowest During The Trading Day?
Replies: 20
Views: 1808

Re: When Is The Bid Ask Spread Lowest During The Trading Day?

. https://www.jstor.org/stable/2331344?seq=1#page_scan_tab_contents The above 1995 article on NYSE bid ask spreads mentions a U shaped spread pattern, but doesn't go into more detail in the abstract. Is there newer research? Back in 1995, trades occurred in fractions; spreads were typically much hi...
by samsoes
Mon Oct 14, 2019 6:00 pm
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3392

Re: Withdrawal Plan. McClung or Allocation Bands?

Sorry, I haven't read McClung's book... When saying stocks up 20%, is that a relative 20%? For example, in a 50/50 portfolio, stocks rising a relative 20% would mean stocks have reached 60% of the portfolio (50*1.2). Or does the 20% increase in stocks refer to an absolute 20%, meaning stocks have re...
by samsoes
Mon Oct 14, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6239

Re: Frustrated with dentist fees

That rude staff member who threatened collection action would cause me to find a new dentist post-haste, while leaving behind an online review regarding the office staff.
by samsoes
Mon Oct 14, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2101

Re: X Country Driving Trip across the US, solo

No offense, but this sounds like a nightmare. Agreed. I'm goal-driven, so if my goal was to drive to state X across the country, I'd likely plot the fastest and most direct route. Stopping along the way to see various sights is what I call dilly-dallying (again, no offense, that's just me). The 198...
by samsoes
Thu Oct 10, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4491

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

The work you described isn't body work, it's mechanical. (Body work is repairing dents and damage due to auto accidents, rust etc.) For reference, I paid about that much for pads and rotors to a dealer in Connecticut (Honda), so the price sounds right. You can probably get the work done for less if ...
by samsoes
Thu Oct 10, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: Tips/suggestions for graduating college students
Replies: 11
Views: 1075

Re: Tips/suggestions for graduating college students

Marry someone really old and really rich. :moneybag
by samsoes
Wed Oct 09, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9560

Re: Do you carry your passport with you during international travel?

Depends on the country. The European countries I've been to (France, Italy, Belgium), the hotel safe is fine. Some third-would countries I've been to on mission trips in rural areas, I keep the passport, a couple of hundred USD in 20's, and a credit card, all in my money belt. This is my "get me to ...
by samsoes
Wed Oct 09, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9853

Re: Solar Installation - 0.75 Year Later

As PG&E cuts power to an area of California, is there anything in the short term (sans installing batteries) that a user can do to allow the inverter to run without grid connection? Not likely. The requirement that your panel system shuts down when commercial power is out protects line workers from...
by samsoes
Wed Oct 09, 2019 9:05 am
Forum: Personal Investments
Topic: Starting out- Roth IRA-ETF's
Replies: 13
Views: 1176

Re: Starting out- Roth IRA-ETF's

Absolutely! ETF's are ideal for a Roth, especially if you can't make the Vanguard Mutual fund minimum. At your age, put 100% into VTI (Vanguard Total Stock Market ETF), which has an amazingly low ER of 0.03%. It tracks the CRSP US Total Market Index. https://investor.vanguard.com/etf/profile/VTI Ho...
by samsoes
Sun Oct 06, 2019 3:03 pm
Forum: Personal Investments
Topic: Starting out- Roth IRA-ETF's
Replies: 13
Views: 1176

Re: Starting out- Roth IRA-ETF's

Absolutely! ETF's are ideal for a Roth, especially if you can't make the Vanguard Mutual fund minimum. At your age, put 100% into VTI (Vanguard Total Stock Market ETF), which has an amazingly low ER of 0.03%. It tracks the CRSP US Total Market Index. https://investor.vanguard.com/etf/profile/VTI Hol...
by samsoes
Thu Oct 03, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2454

Re: SPIA and your health

Why don't you trust your doctor's assessments of yours and your wife's health?
by samsoes
Wed Oct 02, 2019 5:10 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 885

Re: Creating "your own Index ETF"

Hi! I just stumbled upon the information that Charles Schwab is reducing a lot of trading fees to zero (https://www.wsj.com/articles/charles-schwab-ending-online-trading-commissions-on-u-s-listed-products-11569935983). I guess this will force other brokers to do something similar. That actually mad...