Search found 485 matches

by jbmitt
Mon May 25, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 37
Views: 1343

Re: New Vehicle: Forester or Rav4 for boglehead couple

jimmy2040 wrote:
Mon May 25, 2020 2:18 pm
subarus have boxer engine designs. See engine and electrical issues as they age.

https://www.carcomplaints.com/Subaru/
That was more of an issue on older generation Subarus. It's mostly been resolved.
by jbmitt
Sun May 24, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 1779

Re: Subaru Outback vs deer

I don't think that used parts are acceptable under any insurance I have seen; many will use non-OEM parts however. I am perhaps a bit naive, but is there really someone making (new) non-OEM Subaru doors? No. Aftermarket is typically limited to fenders, bumpers, hoods, lights. It’s more common for h...
by jbmitt
Sat May 23, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 1779

Re: Subaru Outback vs deer

Since it seems like just door panels, do we take it to Subaru dealership, or can regular collision shops get new door panels, paint them match, etc. While dealerships often have collision shops, that's usually not their forte. Some might outsource most of the work to a nearby shop. Quite likely you...
by jbmitt
Thu May 21, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Amex platinum card - $20 streaming and wireless provider credit
Replies: 30
Views: 2408

Re: Amex platinum card - $20 streaming and wireless provider credit

Does this also apply to the Amex Delta Platinum card? no Our Amex Delta Platinum has offers for additional cash back on wireless phone and tv. Looks like it’s $5 back on $100 up to 4x for phone and $5 back on $90 up to 4x on tv. I made some extra payments on our Verizon and DirecTV accounts and max...
by jbmitt
Wed May 20, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1651

Re: Buying tires for 2017 Subaru Outback

As a Subaru multi-offender, I say "leave the snows on all year round". I do this currently with a 2013 Crosstrek. I did this with a 1 year old CPO 2008 Outback where as part of the deal, I had the dealer put on some Dunlop Graspic DS3 snows. They were still on the car when we traded it in with 80k ...
by jbmitt
Wed May 20, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1651

Re: Buying tires for 2017 Subaru Outback

Discount Tire is usually pretty reputable and widely available for tire repairs. Figure out if your quote is with or without their tire certificates. I believe they are for their own road hazard program. I’ve read that sometimes they may be willing to negotiate on the certificate price and that they...
by jbmitt
Tue May 19, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: New job / wife 33 weeks pregnant / paternity
Replies: 42
Views: 4294

Re: New job / wife 33 weeks pregnant / paternity

Just be careful, you may not be eligible for FMLA. I believe you need to have worked there for 12 months. If you are their top choice, I'd imagine that they would work with you on a start date. Perhaps stay with your current company, take whatever benefit, give notice when you return. Many people 'l...
by jbmitt
Tue May 19, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Auto refinance scenario
Replies: 13
Views: 368

Re: Auto refinance scenario

We had a PenFed savings account through a student loan refinancing. I also refinanced our auto loan to their 2.99% rate from a longer term and higher rate. (I wish I had waited to buy until now for the 0% offers). We also added the checking account and I've funded it and made the debit card transact...
by jbmitt
Mon May 11, 2020 12:26 pm
Forum: Personal Investments
Topic: Financial strength of Lutheran Church Extension Fund
Replies: 10
Views: 855

Re: Financial strength of Lutheran Church Extension Fund

As others have corrected. Thrivent IS NOT exclusive to the the ELCA. I already pointed out the comparable Mission Investment Fund.
by jbmitt
Mon May 11, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Exclude Spouse from Car Insurance
Replies: 10
Views: 800

Re: Exclude Spouse from Car Insurance

Some companies don’t allow you to exclude household relatives or spouses. Despite there being no coverage if they’re involved in an accident, the companies don’t really believe they aren’t using the vehicles. As a previous poster noted, there are states that still require insurance to be provided on...
by jbmitt
Mon May 11, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 42
Views: 4128

Re: Cartier bracelet

I looked at Cartier rings prior to getting engaged. We don’t live in a city with one of their stores. They wouldn’t sell me one via the internet or phone since I wasn’t an established customer. I did make a visit to one of their stores and wasn’t impressed by the experience. I ended up buying the ri...
by jbmitt
Sun May 10, 2020 5:02 pm
Forum: Personal Investments
Topic: Financial strength of Lutheran Church Extension Fund
Replies: 10
Views: 855

Re: Financial strength of Lutheran Church Extension Fund

I am a member of the Lutheran Church Extension Fund (lcef) which advances the ministry by loaning Lutheran churches money to expand, renovate, plant new church buildings, etc. A new offering of term notes is available; 3%/yr for terms of 2 and 4 years. Maximum investment is $50k. These notes are no...
by jbmitt
Sun May 10, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 46
Views: 3072

Re: No tax return after >10 weeks?

Presumably a paper amended return for prior tax years falls under the category of sitting in storage somewhere? That would explain why nothing shows up on the track my amended return status. Yes; an Amended return is a paper return that is processed manually -- with one added caveat: I do not belie...
by jbmitt
Fri May 08, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Need advice for finding a specialist doctor appointment quickly
Replies: 24
Views: 2033

Re: Need advice for finding a specialist doctor appointment quickly

We live in the most populous city in a large rural area and our local hospital systems are the referral centers. The waits you mentioned are very common for mental health needs. There is a lack of providers compared to the need.
by jbmitt
Thu May 07, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Pattern of Behavior
Replies: 3
Views: 462

Re: Insurance Company Pattern of Behavior

Sales and claims are two different areas in the company. Each has their own objectives but is part of the same organization. I’d review any potential insurer on J.D. Powers claims satisfaction reports.
by jbmitt
Thu May 07, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy and Auto/RV insurance
Replies: 7
Views: 320

Re: Umbrella Policy and Auto/RV insurance

All I spoke with a rep at USAA. I am required to have Auto insurance with them to be eligible for its Umbrella insurance. USAA has min limits for its Auto insurance (300k/500k/300k). You must carry these limits to be eligible for Umbrella insurance. I also asked about any min limits for my RV (50k/...
by jbmitt
Thu May 07, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 46
Views: 3072

Re: No tax return after >10 weeks?

Presumably a paper amended return for prior tax years falls under the category of sitting in storage somewhere? That would explain why nothing shows up on the track my amended return status.
by jbmitt
Thu May 07, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy and Auto/RV insurance
Replies: 7
Views: 320

Re: Umbrella Policy and Auto/RV insurance

You need to find out what the attachment point is. Thats the amount of liability coverage required on the underlying policy. If you mess this up, there is a gap where the underlying policy limits are exhausted and prior to the umbrella policy responding. This is messy and I ran into it on several oc...
by jbmitt
Thu May 07, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1499

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

We used to use https://www.eagleview.com/ for all of roof underwriting and claims information. I'd agree with MillenialMillions, many other companies are picky with older roofs in below average condition. It sounds like you're aware that it needs to be replaced. Are you holding out hoping for hail? ...
by jbmitt
Mon Apr 27, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident NJ PIP Question, Has anyone faced this situation?
Replies: 2
Views: 456

Re: Car Accident NJ PIP Question, Has anyone faced this situation?

I handled claims in another PIP state. If the policy provided PIP, medical bills were paid under it. Venue determined specific handling. The policy is contract and the venue determined liability/negligence procedures. On several occasions I had to repay PIP under a liability claim. Whether or not we...
by jbmitt
Mon Apr 13, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: Home/Auto/Umbrella insurance quote discrepancy
Replies: 8
Views: 501

Re: Home/Auto/Umbrella insurance quote discrepancy

I am shopping around for home/auto/umbrella policies, and the quotes are so much lower for one company that I am worried there's a catch! Home & auto policies are usually fairly consistent, but umbrella coverage varies dramatically by carrier, such as whether the umbrella limit applies to uninsured...
by jbmitt
Sat Apr 11, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Career question
Replies: 12
Views: 1400

Re: Career question

I’ve been in the situation before. It’s typically worked out between both departments and hiring managers. Larger organizations typically have a process where it’s worked out. Was your manager aware that you were considering the opportunity? Did you work with anyone from HR who you could inquire abo...
by jbmitt
Sat Apr 11, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Reason not to buy car at end of lease?
Replies: 28
Views: 2335

Re: Reason not to buy car at end of lease?

It sounds like the buyout is comparable or slightly below the market price. It’s a well rated, reliable car and you’re familiar with its maintenance history. The interest rate and term aren’t unreasonable to buy it out. With current economic uncertainty, I’d take the loan and hang on to my cash. If ...
by jbmitt
Wed Apr 08, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: auto insurance claim
Replies: 19
Views: 765

Re: auto insurance claim

If they already know about it, it’s recorded as an at fault accident. The payout won’t significantly worsen things. Add in rental coverage at 5+ days and potential supplemental damage on tear down and I’d take the payout.
by jbmitt
Fri Apr 03, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3557

Re: Paypal vehicle deposit, buyer opened case for refund.

It sounds like you want to keep the deposit. Please post what happens.
by jbmitt
Fri Mar 27, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Hw can I hook my iPhone up to my TV
Replies: 11
Views: 743

Re: Hw can I hook my iPhone up to my TV

I believe you can use an Apple Lightning to HDMI connector

Apple Lightning to Digital AV Adapter https://www.amazon.com/dp/B009WHV3BM
by jbmitt
Fri Mar 27, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Rent a van from U Haul or Home Depot?
Replies: 11
Views: 857

Re: Rent a van from U Haul or Home Depot?

Make sure you don't get a Uhaul box truck, they aren't covered under your auto policy and you would need to purchase their coverage.. which honestly is terrible, overpriced, and really doesn't cover much.
by jbmitt
Tue Mar 24, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Questions - Umbrella, Renters, etc.
Replies: 7
Views: 395

Re: Insurance Questions - Umbrella, Renters, etc.

The homeowner policy should cover the contents of household members up to the limits and/or applicable sub limits. A dwelling or renters policy does nothing for items in excess of the sub limits unless they are scheduled. You said you aren’t owners of the house, but have you inquired whether you can...
by jbmitt
Sun Mar 22, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Winter tires in spring/summer?
Replies: 7
Views: 325

Re: Winter tires in spring/summer?

I’m in a winter climate with more snow forecast this week. We’ve also had some days of high 50s temperatures. Warm temperatures will prematurely wear snow tires. It’s not a huge deal, but I’d try to get the tires swapped before summer temperatures. I’d certainly avoided prolonged high speed driving....
by jbmitt
Sun Mar 22, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Upside down car: advice [car loan]
Replies: 57
Views: 2918

Re: Upside down car: advice

He’s already made one mistake by buying too much car, don’t make another one with a hasty escape. Agreed with this. However, if the he makes intelligent decisions, including buying an inexpensive car private party he'd be better off than keeping the car. Yes. I could be convinced either way to keep...
by jbmitt
Sun Mar 22, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Upside down car: advice [car loan]
Replies: 57
Views: 2918

Re: Upside down car: advice

If it were me, I’d work on paying the loan down faster assuming there isn’t higher interest debt and an appropriate emergency fund is established. I think at this point, he may be better off keeping the car and doing the ongoing maintenance via an independent shop to keep it reliable. Drive it until...
by jbmitt
Thu Mar 12, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Father-in-law car crash - medical/legal/insurance advice
Replies: 16
Views: 1641

Re: Father-in-law car crash - medical/legal/insurance advice

I'm mostly a lurker but..... Don't trust the insurance to do what is in his best interest. I was in a bad accident on black ice. I slid down wrong side of road and got T boned by an elderly couple. I was at fault. They were in hospital for 6 weeks. I talked to Liberty Bitty several times and was to...
by jbmitt
Thu Mar 12, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: United Airline website cannot handle flight change request/ its reps are swarmed/ what recourses do I have?
Replies: 7
Views: 642

Re: United Airline website cannot handle flight change request/ its reps are swarmed/ what recourses do I have?

The lines for people with status are long too. My wife and I are trying to return home early and the premier lines are longer than 60 minutes.
by jbmitt
Wed Mar 11, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Father-in-law car crash - medical/legal/insurance advice
Replies: 16
Views: 1641

Re: Father-in-law car crash - medical/legal/insurance advice

I was an adjuster for 10+ years, and I've been in the industry 15+. If it were me, I'd first begin by engaging my own insurance. Let them handle the car, if possible, and tell you about what applicable coverages are available for his bills ie) medpay, PIP, UIM/UMBI. Give them an idea of the injurie...
by jbmitt
Wed Mar 11, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Father-in-law car crash - medical/legal/insurance advice
Replies: 16
Views: 1641

Re: Father-in-law car crash - medical/legal/insurance advice

I was an adjuster for 10+ years, and I've been in the industry 15+. If it were me, I'd first begin by engaging my own insurance. Let them handle the car, if possible, and tell you about what applicable coverages are available for his bills ie) medpay, PIP, UIM/UMBI. Give them an idea of the injuries...
by jbmitt
Wed Mar 04, 2020 9:58 am
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

So you did report the conversion in 2018. I do not know what happened with the contribution. It is not reported as a deductible contribution on the Sch 1 or a non deductible contribution on a form 8606. And reporting it as a recharacterization should have led to at least a warning if not a penalty....
by jbmitt
Wed Mar 04, 2020 12:56 am
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

In 2018, TurboTax decided the conversion transaction was a conversion from an IRA without basis (only deductible IRA contributions), and so it charged your wife income tax on the conversion amount (WRONG), did not charge her a penalty for a so-called excess Roth contribution because it did not find...
by jbmitt
Tue Mar 03, 2020 9:08 pm
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

On her original 2018 Form 1040, what is shown on lines 6 and 7? If line 6 and 7 are different, what entries are on lines 23-33. Was anything reported on the 1040, lines 4a and 4b? Did she participate in an employer retirement plan in 2018 at all? Is there a form 8606 in her 2018 return? Is there a ...
by jbmitt
Tue Mar 03, 2020 2:46 pm
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

There is something wrong with your explanation of your wife’s 2018 taxes. If her income was too high for a direct Roth contribution, then stating that a traditional IRA contribution was recharacterized to Roth would have led to an apparent excess Roth contribution. The software should have told you...
by jbmitt
Tue Mar 03, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Tax Return & Ineligible Roth IRA contributions
Replies: 14
Views: 958

Re: 2019 Tax Return & Ineligible Roth IRA contributions

I've just navigated a similar mess. It sounds like you are on the right path. I thought this link was helpful in recording the IRA conversion in TurboTax. https://thefinancebuff.com/how-to-repor ... botax.html
by jbmitt
Tue Mar 03, 2020 8:42 am
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

There is something wrong with your explanation of your wife’s 2018 taxes. If her income was too high for a direct Roth contribution, then stating that a traditional IRA contribution was recharacterized to Roth would have led to an apparent excess Roth contribution. The software should have told you...
by jbmitt
Tue Mar 03, 2020 6:56 am
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

Re: 1099-R & Form 8606 help

Since my wife and I were planning to marry in 2019, and knowing her employment as a physician would result in a higher tax bracket, I converted $51,000 in traditional IRA money to a Roth IRA at my lower income tax rate. I also screwed up in contributing to a Roth IRA. I didn't have enough earned in...
by jbmitt
Tue Mar 03, 2020 12:38 am
Forum: Personal Investments
Topic: 1099-R & Form 8606 help
Replies: 13
Views: 892

1099-R & Form 8606 help

Hello everyone, I think I got 2019 my taxes all sorted out. I'm waiting for our return to be accepted before I amend anything. I was wondering if others could review my situation and offer any comments or feedback. Here's my situation: In 2018, my now wife and I relocated for her job and I had very ...
by jbmitt
Fri Feb 28, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: delete please, problem solved
Replies: 26
Views: 1852

Re: delete please, problem solved

I agree with BBQ Nut that it is not useful to delete entire threads just because the OP feels they have a solution. That's not how these types of boards are meant to work. Fortunately, our mods are smarter than that and won't delete the thread. And the OP's first post and subsequent ones were all q...
by jbmitt
Wed Feb 26, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fine Art: Appraisal and insurance concerns
Replies: 24
Views: 1000

Re: Fine Art: Appraisal and insurance concerns

Most insurers can do art on an agreed value, but they will want an appraisal. If you have an agent, run it by them, most should know their markets and may have an idea of the appraisal requirements. It's no different than how people have jewelry, antiques, firearms, etc insured. The value just needs...
by jbmitt
Wed Feb 26, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: delete please, problem solved
Replies: 26
Views: 1852

Re: car accident settlement without insurance company

Your biggest problem is being uninsured on February 29th in between your two policy periods since this year is a leap year.
by jbmitt
Tue Feb 25, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 441

Re: ARM Designation

I did it a few years back. It was easier than the CPCU. Remember the institutes does multiple choice testing, so you just need to know concepts. If you’re on reddit, request membership to r/insurancepros. There are a lot more of us with knowledge of the industry there. r/insurancepros — how do I jo...
by jbmitt
Tue Feb 25, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 441

Re: ARM Designation

I did it a few years back. It was easier than the CPCU. Remember the institutes does multiple choice testing, so you just need to know concepts.

If you’re on reddit, request membership to r/insurancepros. There are a lot more of us with knowledge of the industry there.
by jbmitt
Sat Feb 22, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 2893

Re: Berkshire Hathaway 2019 Shareholder Letter

I’ve made it a habit to read this letter for the last few years. I agree with others and his explanation of his will that succession planning is well underway.
by jbmitt
Mon Feb 17, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Money spent on Cars
Replies: 21
Views: 2663

Re: Money spent on Cars

You're overthinking your car purchases. Don't overspend, but it's not entirely formula driven either. Get something that fits your needs, your budget, and maybe a couple of your wants.