Search found 1143 matches

by flyingbison
Wed Jan 18, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Iowa Steak Company
Replies: 42
Views: 2825

Re: Iowa Steak Company

bottlecap wrote:
Yes there is. If you google them, all there is are complaints. Refunds are not honored despite a guarantee. BBB rating of F.

OP did the right thing.


Not honoring refunds seems to be a different issue. The OP hasn't even tried the meat yet. Maybe he will love it.
by flyingbison
Wed Jan 18, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Iowa Steak Company
Replies: 42
Views: 2825

Re: Iowa Steak Company

time to read yelp reviews is before the purchase, not after. Except that the company's entire sales model is premised on the fact that the customer will be taken by surprise and have no opportunity to research. So there's that. Based on the reviews, the company surprises, misrepresents, and uses hi...
by flyingbison
Wed Jan 18, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Iowa Steak Company
Replies: 42
Views: 2825

Re: Iowa Steak Company

Yes I'm pissed with this purchase. But my main concern was the unsecured nature my my credit card. No regrets shutting it down. Really? Do you never use your credit card to purchase anything over the phone or online? Were you not around in the days when all credit car transactions were on carbon pa...
by flyingbison
Tue Jan 17, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2365

Re: Saving rater after becoming father

Thanks All to the contributions. I live in VHCOL (Europe though), where childcare will easily reach 2,000/month. Fortunately we are not big spenders and we plan to save as much as possible upfront. My girlfriend will stay at home for the first 6-8 months, than likely go back at work. Once childcare...
by flyingbison
Fri Jan 13, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 vs W2
Replies: 7
Views: 494

Re: 1099 vs W2

What does the IRS say, based on the conditions of your work?
by flyingbison
Fri Jan 13, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 70
Views: 5773

Re: FAFSA for High Net Worth Parents?

Check with the schools to find out if they will award any type of aid (including merit, scholarships) without a FAFSA or CSS application.
by flyingbison
Thu Jan 12, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6653

Re: Amazon Prime Rewards Visa Signature Card

I signed up for this today as well. Since I am a heavy user of Prime services anyway it seemed like an obvious thing to do. It also came with a $70 credit which almost balances off a year of Prime right away. Well shoot. Apparently my Amazon Visa was automatically upgraded to the new Amazon Prime V...
by flyingbison
Thu Jan 12, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Doing an intra-family loan
Replies: 18
Views: 979

Re: Doing an intra-family loan

Can she afford the home if she has to borrow the down payment?
by flyingbison
Thu Jan 12, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Inquiring about family finances?
Replies: 46
Views: 3861

Re: Inquiring about familiy finances?

Let it go. It doesn't sound like he is asking for your advice.
by flyingbison
Wed Jan 11, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6653

Re: Amazon Prime Rewards Visa Signature Card

Once Amazon started charging sales tax in my state I stopped buying everything but kindle ebooks from them regularly. Doesn't your state require you to report your purchases from out of state and pay the sales tax with your income tax, anyway? Some states don't have income tax, so I'm curious. My s...
by flyingbison
Wed Jan 11, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 66
Views: 4510

Re: Thinking of getting tires from Costco

This thread got me thinking about my own tires and while I don't mean to hijack the thread, I hope to get some advice. My car is a 2008 Outback, which I purchased used in 2013 with about 45k miles on it. The treads look fine and I currently have about 78k on it but I've read things about age of tir...
by flyingbison
Wed Jan 11, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 503

Re: First time I have a FSA option

cachemoney wrote:So basically if I choose $1,000, over the next 20 pay periods I am deducted $50. But I can go right away to doctor's office and pay a bill of $500 and get reimbursed from the FSA?


Correct
by flyingbison
Wed Jan 11, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 503

Re: First time I have a FSA option

Thanks for all of the replies, gives me some areas to look into. Unfortunately my employer does not contribute anything to it. BTW the company is WageWorks. Anyone have any experience with them? We used to use Wage Works several years ago, and they seemed OK. Just as with healthcare, 401k, etc., yo...
by flyingbison
Wed Jan 11, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 503

Re: First time I have a FSA option

You can google lists of what is FSA eligible and there are a lot of over the counter things cold medicines , bandages,sunscreen, etc. If you have any money left over in December you can just stock up on those. OTC medicines can be reimbursed, but only if they are prescribed for you by a doctor (eve...
by flyingbison
Wed Jan 11, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 3972

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

I have a 4 cyl 2.5L Outback, and it is more than sufficient power for normal driving - though it was a bit of an adjustment for me after driving a V6 Maxima for 14 years prior. If you wanted to tow with the car, if you do a lot of driving in the mountains, or if you just prefer a a little more zip, ...
by flyingbison
Wed Jan 11, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 66
Views: 4510

Re: Thinking of getting tires from Costco

I just got new tires about a month ago - thought I would get them at Costco, because I've heard they have the best prices, but when I shopped around I found that their prices are in line with all the other tire places in my area. For the specific tire I wanted, Discount Tire had the best price, so I...
by flyingbison
Wed Jan 11, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 503

Re: First time I have a FSA option

Find out what the reimbursement process is like with your FSA. Ours has become so ridiculous that I decided not to bother with it this year.
by flyingbison
Tue Jan 10, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 5974

Re: To those with a pension...

Did you (if retired) or do you (if still working) either: A) reduce your retirement contributions by some percent or dollar amount based on the fact that you will have a guaranteed stream of income in addition to social security; or B) reduce your bond allocation and increase your stock allocation?...
by flyingbison
Tue Jan 10, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 267
Views: 46563

Re: Do you really need 2.5 million to retire well?

HomerJ wrote:
Ged wrote:2.5 MM ? No you don't need that. My wife and I have income from pensions and SS which will be about 80K when we start taking SS.


$80,000 a year from pensions and SS is the same as pulling 4% from $2 million.

Wish I had a pension :(


I'd rather have $2M
by flyingbison
Tue Jan 10, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Not reporting capital losses on taxes?
Replies: 12
Views: 911

Re: Not reporting capital losses on taxes?

How about 5 minutes to do your taxes by hand? It's a shame that you are psyched out. And here's another cool thing: If you make a mistake, the IRS will fix it for you -- for free! And paying for $40 for TA sounds outrageous to me. HRBlock is happy to pay people to use their software, so instead of ...
by flyingbison
Tue Jan 10, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 774

Re: DIY Backcountry Hunting Pack

I wouldn't skimp on the backpack. Get a kifaru or a stone glacier... if this is something you might do a few times it will be well worth it. Trying for a DIY solution on the pack is penny-wise pound-foolish. Sorry, what I meant was we are doing a DIY hunt (no guides, no mules, no 4-wheelers). I'm 1...
by flyingbison
Tue Jan 10, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 774

Re: DIY Backcountry Hunting Pack

lthenderson wrote:I like old external frame backpacks for this sort of thing.


I second this - get an external frame pack.

Also, what's the terrain like where you'd be going?
by flyingbison
Tue Jan 10, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 774

Re: DIY Backcountry Hunting Pack

TxAg wrote:I'm looking for some recommendations on affordable packs that are dual purpose...gear in, meat out.


Explain this part to me ... what will you do with your gear on the way back?
by flyingbison
Sun Jan 08, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4962

Re: How many $ to self fund long term care?

delamer wrote:
Have you ever known or dealt with an elderly person with dementia?


Many, which is why I plan to do everything within my power to make sure I don't end up like that. If if become incapacitated too quickly, then my loved ones know what needs to be done.
by flyingbison
Fri Jan 06, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4962

Re: How many $ to self fund long term care?

If you choose to check out of this thing called life, you better hope that you have the ability to do so. Otherwise, asstisted suicide is still illegal in many if not most states. Unless someone's willing to go to jail to end your suffereing, that means you'd have to move to a state like Oregon, Mo...
by flyingbison
Fri Jan 06, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5316

Re: What monetary value has your education provided you?

It never occurred to me that it was supposed to have a monetary value. I thought it was supposed to develop ("e-duc", draw out) my mental abilities, provide me with knowledge, and enhance my ability to do critical thinking. This is the kind of thinking that has kids today near 6 figures o...
by flyingbison
Fri Jan 06, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4962

Re: How many $ to self fund long term care?

At this point with the turmoil and limitations of long term care insurance my spouse and I are planning to self fund our long term care. I have read a variety of numbers but I was curious about the Boglehead community and what number the "self funders" are plannng to put aside for their p...
by flyingbison
Fri Jan 06, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 80
Views: 3846

Re: Getting rid of mice

livesoft wrote:OK, I got rid of mice by getting cats. Now I have an infestation of cats. How do I get rid of them? If I send them outside, they eat the birds. Maybe even baby owls! Should I get a dog?


"There was an old lady who swallowed a fly ..."
by flyingbison
Fri Jan 06, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 80
Views: 3846

Re: Getting rid of mice

Get a cat :happy Cats aren't really a solution to rodents. Rodents live in the walls and attics where cats can't get at them. While the cats may kill a few that stray into the living space, they are unlikely to take care of all of them. Yes, we have two cats and we've never had any mice in our livi...
by flyingbison
Fri Jan 06, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4962

Re: How many $ to self fund long term care?

At this point with the turmoil and limitations of long term care insurance my spouse and I are planning to self fund our long term care. I have read a variety of numbers but I was curious about the Boglehead community and what number the "self funders" are plannng to put aside for their p...
by flyingbison
Thu Jan 05, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - not legal???
Replies: 18
Views: 3345

Re: Backdoor Roth - not legal???

As others have said, the IRS is certainly aware of the situation and has not taken any action to deal with it. That doesn't mean they won't, and it doesn't mean the "backdoor Roth" won't be deemed to be illegal at some point. At the present time, though, it seems as if the IRS recognizes ...
by flyingbison
Thu Jan 05, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - not legal???
Replies: 18
Views: 3345

Re: Backdoor Roth - not legal???

As others have said, the IRS is certainly aware of the situation and has not taken any action to deal with it. That doesn't mean they won't, and it doesn't mean the "backdoor Roth" won't be deemed to be illegal at some point. At the present time, though, it seems as if the IRS recognizes t...
by flyingbison
Wed Jan 04, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 25
Views: 1284

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

s0me0nesmind1 wrote: But people such as yourself expect this and act as if you yourself would do this. Seems rather silly :?



I don't expect it, the insurance companies do.
by flyingbison
Wed Jan 04, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 25
Views: 1284

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

But I am prepared to fight this tooth and nail. I don't blame my insurance company either. I don't expect to argue with them and someone get them to process it as in-network. It was the doctor's office that I was lied to and told that everything the procedure was covered by my insurance and everyth...
by flyingbison
Tue Jan 03, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 6688

Re: My niece got accepted to Georgetown and we may have to pay for it.

I would say the upper middle class families that I am referring to are those with 2 incomes and make just over $200k. 95th percentile is "upper middle?" There are various definitions of "upper middle class." This story uses Urban Institute's definition of household income betwee...
by flyingbison
Mon Jan 02, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 6688

Re: My niece got accepted to Georgetown and we may have to pay for it.

student wrote:I would say the upper middle class families that I am referring to are those with 2 incomes and make just over $200k.


95th percentile is "upper middle?"
by flyingbison
Wed Dec 28, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5076

Re: large purchase [engagement ring]

I've purchased two very modest diamond rings in my lifetime. I've often wished I could have the money back for both of them. YMMV.
by flyingbison
Wed Dec 28, 2016 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help on daughter's 403b
Replies: 8
Views: 413

Re: Help on daughter's 403b

KESP wrote:J
Desired asset allocation ? I was thinking 80/20, 70/30, would welcome any thoughts


You daughter is the only one who can answer this. 80/20 seems fine for her age, but she needs to be comfortable with the risk.
by flyingbison
Wed Dec 21, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4337

Re: If a tree falls

... Any tree extending into a neighbor's property is too big for that location and should be cut down. I'm guessing you don't live in an urban area? Does living in an urban area entitle someone to plant a large tree in their small space? http://texastreeplanting.tamu.edu/AvoidProblems.html In urban...
by flyingbison
Tue Dec 20, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4337

Re: If a tree falls

TOJ wrote: ... Any tree extending into a neighbor's property is too big for that location and should be cut down.


I'm guessing you don't live in an urban area?
by flyingbison
Tue Dec 20, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 175
Views: 12925

Re: Cost of dog ownership.

For all of you dog lovers out there, which includes myself, consider this. Over the last ten years my dog has cost me approximately $200 per month. That includes food, grooming, the occasional day care, and vet visits in the Northeast. That does not count the acquisition cost and initial vet visits...
by flyingbison
Sun Dec 18, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I had the exact same opinion as you, until I actually tried them. Back-to-back, on the same car (apples to apples comparison, unlike your experience), and the difference was night and day. I have tried them on the same car, and have already said they improve traction. We apparently disagree about h...
by flyingbison
Sat Dec 17, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

"Snow tires provide a marginal improvement in traction" That is dead wrong. So you think snow tire decrease traction? :confused The traction improvement in cold weather, snow, and ice, is large, not marginal. .... I consider them a lifesaver if one has to drive in severe winter conditions...
by flyingbison
Sat Dec 17, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

ClevrChico wrote:
"Snow tires provide a marginal improvement in traction" That is dead wrong.


So you think snow tire decrease traction? :confused
by flyingbison
Sat Dec 17, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Let me be frank. If you drive in an area where it is regularly below 40 degrees and snows during winter, you're stupid if you don't put winter tires on your car. I guess the vast majority of people I've ever known are stupid. Snow tires are great, but there's no need to be dogmatic and insulting. I...
by flyingbison
Sat Dec 17, 2016 10:42 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Let me be frank. If you drive in an area where it is regularly below 40 degrees and snows during winter, you're stupid if you don't put winter tires on your car. I guess the vast majority of people I've ever known are stupid. Snow tires are great, but there's no need to be dogmatic and insulting. I...
by flyingbison
Sat Dec 17, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 35605

Re: Liking the new Citi CC at Costco

I had the exact thing happen to me a couple of months ago, except it was with Discovercard. Email stated I need to get a new card because of fraudulent activity. They, too, were mystified. Same thing. Ignore it. They're not sure why but a bunch of those emails went out. :annoyed Doesn't inspire muc...
by flyingbison
Sat Dec 17, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Let me be frank. If you drive in an area where it is regularly below 40 degrees and snows during winter, you're stupid if you don't put winter tires on your car. I guess the vast majority of people I've ever known are stupid. Snow tires are great, but there's no need to be dogmatic and insulting.
by flyingbison
Fri Dec 16, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparent wants to max gift 529, but Im confused.
Replies: 20
Views: 1805

Re: Grandparent wants to max gift 529, but Im confused.

Spirit Rider wrote:
NOTE: Gifts to you and your wife with the knowledge/understanding that they will use it to make a gift for your daughter is tax fraud.


+1 Someone cannot give you a "gift" and then direct you what to do with the money.
by flyingbison
Fri Dec 16, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7242

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Driving home from work in the snow this afternoon, I was thinking about this thread. It dawned on me that there have probably been no more than 5 or 6 times in 30+ years of winter driving when road conditions made it very difficult for me to drive, and only 2 times I can recall getting off the road ...

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