Search found 2119 matches

by neilpilot
Tue Jan 22, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 75
Views: 9581

Re: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]

Saw it tonight in 3D. Absolutely fantastic. I saw it yesterday, supposedly in 3D, but couldn’t discern any noticeable 3D effects. And Peter Jackson’s commentary didn’t make any mention of 3D. Was I missing something? Your 3D glasses? Seriously, the 3D effect was very noticeable to us. I have to say...
by neilpilot
Tue Jan 22, 2019 9:28 am
Forum: Personal Investments
Topic: selecting investment firm
Replies: 20
Views: 1082

Re: selecting investment firm

Back in 2015 I retired and decided to consolidate accounts. Even though I trade infrequently and always online, I strongly favored a firm with a local office. That ruled out Vanguard. I considered ML, Schwab, Fidelity and Scottrade. There were several reasons why I chose Scottrade, but the $4k in ne...
by neilpilot
Mon Jan 21, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Rental Car Insurance Ireland & Scotland?
Replies: 21
Views: 779

Re: Rental Car Insurance Ireland & Scotland?

Even though it's a few years since last update, I found this site helpful:

https://www.infiniteireland.com/a-compr ... n-ireland/
by neilpilot
Mon Jan 21, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Rental Car Insurance Ireland & Scotland?
Replies: 21
Views: 779

Re: Rental Car Insurance Ireland & Scotland?

Thanks for the info. What did folks do for a cell phone my carrier Cricket I do not think offers coverage. I was thinking of buying a throw away phone when I got in country just want a phone for emergencies I will use my iPhone when on WiFi. Your Cricket phone will NOT offer service in the UK. For ...
by neilpilot
Sun Jan 20, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 10
Views: 773

Re: Should I cancel earthquake insurance?

I have not had earthquake insurance since I start insuring my homes in 1974. I always figured if there was an earthquake large enough to damage my rural house, the Feds would be handing out no interest loans like candy. I could be wrong, but it has worked so far!! A zero interest loan still might r...
by neilpilot
Sun Jan 20, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 10
Views: 773

Re: Should I cancel earthquake insurance?

We dropped our earthquake rider about 6 years ago, after rates and deductible both increased. We live in Memphis area as well.
by neilpilot
Sun Jan 20, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: any difference using older vs newer car for business?
Replies: 6
Views: 308

Re: Tax question: any difference using older vs newer car for business?

The difference in this instance is how many MPG you get. Since the expense is 54.5 cents per mile regardless of vehicle, a more fuel efficient vehicle will achieve a better "return on investment", since less money is being spent on fuel for the same deduction amount. In this case, all things being ...
by neilpilot
Sun Jan 20, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: any difference using older vs newer car for business?
Replies: 6
Views: 308

Re: Tax question: any difference using older vs newer car for business?

The difference in this instance is how many MPG you get. Since the expense is 54.5 cents per mile regardless of vehicle, a more fuel efficient vehicle will achieve a better "return on investment", since less money is being spent on fuel for the same deduction amount. In this case, all things being ...
by neilpilot
Sun Jan 20, 2019 10:53 am
Forum: Personal Investments
Topic: HSA Records: For the IRS, how much is enough?
Replies: 18
Views: 1158

Re: HSA Records: For the IRS, how much is enough?

So feel free to continue to debate the validity of EOB records, but I would be most interested in hearing about actual IRS audit activity. https://www.bogleheads.org/forum/viewtopic.php?p=4330247#p4330247 Thanks for the link. Sounds like jebmke cashed out their HSA using the same logic as mine. Cir...
by neilpilot
Sun Jan 20, 2019 10:20 am
Forum: Personal Investments
Topic: HSA Records: For the IRS, how much is enough?
Replies: 18
Views: 1158

Re: HSA Records: For the IRS, how much is enough?

In 2018 I decided to cash out my full HSA, and have LTCi, Medicare premiums and 10 years of EOBs to more than offset my HSA withdrawal. I decided that, since the HSA was only about 1% of my total tax deferred funds, the slight advantage of maintaining my HSA balance wasn’t worth the record keeping h...
by neilpilot
Sun Jan 20, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1653

Re: Henderson, Nevada ?

I’ve flown into the Henderson airport and visited with a friend’s parents, who bought their retirement home there. I only stayed for a couple of days, but I can tell you that my hosts considered it an excellent location. Very close to Vegas, but also very different.....except for the weather.
by neilpilot
Sat Jan 19, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Sears Kenmore fridge on the fritz
Replies: 4
Views: 396

Re: Sears Kenmore fridge on the fritz

The relative inefficiency of a bottom freezer is not, as you stated, “because the freezer has to push the cold air up to the fridge”.

The bottom freezer design has to work a bit harder because the compressor’s heat generation has more impact on the bottom freezer than it does on a traditional design.
by neilpilot
Fri Jan 18, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Cards - Transaction Activity
Replies: 17
Views: 2136

Re: Chase Credit Cards - Transaction Activity

Running into the same issue. Year end summaries have been made available on Jan 13 in 2016 and 2017. I am planning to wait till then. Does anyone know if year end summary is exportable - all i saw for last year was .pdf file. Just looked and no 2018 summary yet for my 2 Chase cards. Any info on whe...
by neilpilot
Fri Jan 18, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Question:
Replies: 6
Views: 713

Re: TurboTax Question:

After uploading the Deluxe version of TurboTax, I noticed that the total for deductions was $26K+ rather than the $24K expected for filing jointly. Where does the extra amount come from? The personal exemption was eliminated, and I can think of nothing other than a bump due to being over age 65. Ti...
by neilpilot
Thu Jan 17, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 36
Views: 3002

Re: Roth conversion

For clarification, if you do a large enough Roth conversion to push your MAGI over $85K (Single) or $170K (Married) after the year you turn 63, then YES, you will be impacted by IRMAA surcharges when on Medicare after 65. The surcharges start out small (about $50/mo/person) but can get quite large,...
by neilpilot
Thu Jan 17, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3909

Re: Fun with Amazon

Ed_Sandwich wrote:
Thu Jan 17, 2019 10:15 am

Our former Surgeon General was Vivek Murthy until 2017.
Our former Surgeon General remains Vivek Murthy, even to this day. Maybe you meant to say "Our former Surgeon General, until 2017, was Vivek Murthy"?
by neilpilot
Thu Jan 17, 2019 9:24 am
Forum: Personal Investments
Topic: Good idea? Rent out current home after paid off
Replies: 20
Views: 1004

Re: Good idea? Rent out current home after paid off

I haven't read the other linked threads. Assuming you have a imputed gain on your current home, and siply sell your primary residence, then there's a significant federal income tax exemption applied to that gain. Now, assuming you convert your former home into a rental property, and then sell it at ...
by neilpilot
Wed Jan 16, 2019 11:20 am
Forum: Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1406

Re: IRMAA/Beginning SS

I had a similar concern when 70.5 and had both the start of delayed SS and the start of RMDs, plus other incomes like investments and pension. It was WOW when seeing the increase in Medicare premiums B and Part D. Someone said the following to me, that put things in perspective, "Yes I consider tax...
by neilpilot
Wed Jan 16, 2019 10:51 am
Forum: Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1406

Re: IRMAA/Beginning SS

I’m having one heck of a time with my IRMAA “Life Changing Event” appeal. Filed the paperwork with a local rural SSA office. No decision received in 4 months. Visited again, agent could not find where they had received it and commented “We really don’t do many of these, and not sure how to do them....
by neilpilot
Wed Jan 16, 2019 6:58 am
Forum: Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1406

Re: IRMAA/Beginning SS

I read on another forum that if it’s one time gain like real estate, you maybe able to appeal and get a reduced rate, this is one reason I asked if it’s a Roth conversion. An IRMAA appeal is a relatively simple process, but the qualifying life changes are well defined. I don’t think either a home s...
by neilpilot
Tue Jan 15, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Which iPad?
Replies: 19
Views: 1144

Re: Which iPad?

Based on your intended use, you should be able to save a bit by buying the wifi-only version. Even though I've never inserted a SIM into my various iPads, I've always had to buy the SIM version since the wifi-only does not come with an internal GPS chip, and my primary OS app requires GPS.
by neilpilot
Tue Jan 15, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 8
Views: 1043

Re: Vanguard Brokerage Form 1099 for 2018

Also many of HRB's final form revisions will not be available to download until 1/17 or 1/31, depending on the specific form. You can see these dates in HRB's all forms view. I wouldn't be surprised if the other tax software have similar dates, since it's likely driven by IRS schedules. Have no idea...
by neilpilot
Tue Jan 15, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1350

Re: In the market for a new dryer

Many 15 y/o major appliances are vastly more reliable overall than comparable replacements. Just saying. Unless my 18 y/o dryer required very major repair or was not repairable, I'd likely not replace it with a new unit. But since I'm DIY and dryers are relatively simple to diagnose and if, that's a...
by neilpilot
Tue Jan 15, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 867

Re: downspout extension part

Sorry but it's not clear to me what component(s) you are looking for. I assume it's not what you picture in your opening post: https://www.lowes.com/pd/Amerimax-Tradi ... 1000244699
by neilpilot
Tue Jan 15, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Social Security Benefits
Replies: 11
Views: 1328

Re: Maximizing Social Security Benefits

Only one possible effect - if her benefits far exceed his then he could take spousal benefits on her record.
by neilpilot
Mon Jan 14, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4516

Re: Long term care insurance policy

Well the posts are no too long to copy....but so far as care at home is concerned, much of this is of course covered by my LTC policy. I assume it is for most others.
by neilpilot
Mon Jan 14, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

Our cars spend most of their life in Memphis humidity. Our daughter's is in Phoenix. I either flush or partially renew fluid every 3 years, but she can likely go for 10 years and experience less % water. Either way, even though a very high percentage of owners will not experience any known issues if...
by neilpilot
Mon Jan 14, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4516

Re: Long term care insurance policy

When you say "Most men who land in nursing homes die before their Medicare coverage runs out." I have 2 questions: [1] when does someone's Medicare coverage "run out"? [2] What does Medicare coverage have to do with your nursing home expenses? [1] Medicare pays 100 days of nursing home coverage. Yo...
by neilpilot
Mon Jan 14, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4516

Re: Long term care insurance policy

................. My mom is in memory care to the tune of $9K per month, which reminds me, I have to write a $9,022 check today. If she's there for 20 years, is your long term care policy going to pay the whole thing? .............. Most men who land in nursing homes die before their Medicare cover...
by neilpilot
Mon Jan 14, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4516

Re: Long term care insurance policy

4. The chances that the cost of LTC insurance will rise appear to be...near 100%. Maybe near 100%, and mine might rise, but my policy seems to guarantee a fixed premium. Our policy expressly states that our premium will not be increased. We each purchased a Hartford group LTC policy way back in 199...
by neilpilot
Sun Jan 13, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 35
Views: 1646

Re: What deductible for Comprehensive and Collision Insurance?

This is a good way to decide. For me the sweet spot was 1k, higher than that would require a claim very infrequently to pay off. If you have money you want to max your coverage. If you seriously injure someone 100 or 300 may not cover it and maxing would be necessary for umbrella. Please explain th...
by neilpilot
Sun Jan 13, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by neilpilot
Sun Jan 13, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

Don't follow my advice or the advice of anyone else on a forum. Do what the manufacturer says,. +1 I keep cars at least 15 years and usually longer. My approach is to follow the manual. Manufacturers may be conservative in their recommendations but I doubt that they’re trying to gin up profits for ...
by neilpilot
Sun Jan 13, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

2009 corolla currently has 167k miles on it. Just replaced brakes/rotors for a 3rd time...never once changed brake fluid. Never had to, levels have never been low. Your statement “never had to, levels have never been low” is totally illogical. A low brake fluid level is typically due to a leak and ...
by neilpilot
Sat Jan 12, 2019 1:23 pm
Forum: Personal Investments
Topic: IRMAA question
Replies: 2
Views: 266

Re: IRMAA question

jhawktx, you are correct.

However, if you exceed $170k MAGI in 2017 but your 2018 or projected 2019 income is below the $170k IRMAA limit and you've incurred a recognized Medicare life change event such as retirement, then there's a very simple appeal process to get around that IRMAA look-back.
by neilpilot
Sat Jan 12, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

I think changing fluid is probably a good idea, but I'm afraid to have anyone do it (including me) because of how complicated and different the process is for different models. There are so many check valves and passages in the ABS module that I can see where you can end up with air in the wrong pl...
by neilpilot
Sat Jan 12, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6697

Re: USPS price increase on 1/27/19

barber wrote:
Sat Jan 12, 2019 9:29 am
Ebay still has Forever stamps @ $0.35 for 500 minimum.
If the price is too good to be true, maybe it isn't true
https://www.linns.com/news/us-stamps-po ... tamps.html
by neilpilot
Sat Jan 12, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3183

Re: Car Battery

Carl53 wrote:
Sat Jan 12, 2019 4:23 am
For those with battery tenders, if the power goes out briefly do they automatically restart without manual intervention?
Certainly
by neilpilot
Fri Jan 11, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5130

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by neilpilot
Thu Jan 10, 2019 5:42 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 39
Views: 3478

Re: TD Ameritrade Money Market Options

My accounts were with Scottrade before they were acquired by TDA. If you happen to also be a former Scottrade customer, TDA should grandfather you at the former Scottrade mutual fund commission of $17/trade.
by neilpilot
Thu Jan 10, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5130

Re: Diagnosing Knee Problems over the Phone - Medicare

I'd check out a specialist that provides PRP and Stem Cell procedures as an alternative treatment option. Not covered by insurance, however, if the patient is appropriate for this form of treatment, the procedure is less invasive and takes a shorter time for a positive recovery. Well, the effective...
by neilpilot
Thu Jan 10, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1531

Re: Fender Bender backing out of garage. File a claim with insurance?

Don’t feel bad. My wife was backing car on driveway and hit our daughter’s parked car. Lots of damage to both cars. Both were insured by State Farm. The agent laughed when I explained to her the double claim. I told my wife her license should be restricted to forward motion only. Good luck. Years a...
by neilpilot
Thu Jan 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8989

Re: Shingrix [Vaccine availability]

Utahdogowner wrote:
Thu Jan 10, 2019 2:47 pm
HueyLD wrote:
Mon Aug 27, 2018 5:41 pm
Does one have to be at least 65 to get the insurance to pay for this vaccine?
Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all.
But my Part D underwriter lists Shingrix in their Tier 3 formulary
by neilpilot
Thu Jan 10, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1578

Re: Cleaning Car Battery Terminals

If you remove the positive cable to clean the corrosion, then coat the clean terminal with a small amount of petrolium jelly and be sure to properly tighten the terminal clamp. Excessive corrosion at the positive terminal is a sign of overcharging, so you might also check the fluid level if your ba...
by neilpilot
Thu Jan 10, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1578

Re: Cleaning Car Battery Terminals

If you remove the positive cable to clean the corrosion, then coat the clean terminal with a small amount of petrolium jelly and be sure to properly tighten the terminal clamp. Excessive corrosion at the positive terminal is a sign of overcharging, so you might also check the fluid level if your bat...
by neilpilot
Wed Jan 09, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2104

Re: Discounted Postage Stamps

If I expected to mail more than my usual 2-5 envelopes each month it might be worth the trouble. So say you are talking about 200 stamps averaging 35 cent face value. You stand to save under $30 by executing this scheme which, in my case, would run over several years. Sounds like I could raise equiv...
by neilpilot
Wed Jan 09, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: One Year Out from Retirement
Replies: 7
Views: 945

Re: One Year Out from Retirement

I have no way of estimating your post-retirement income. However, if you project your income in 2020 will be below the IRMAA threshold, then be prepared to submit 2 appeal forms in late 2019, just after your receive your IRMAA notice for 2020. Even though they will base your 2020 IRMAA on your 2018 ...
by neilpilot
Wed Jan 09, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3183

Re: Car Battery

Have you considered having a family member or trusted friend drive the car a few miles every 2-3 weeks to keep everything in working order? That would charge the battery, 'rotate' the tires, mix the gasoline in the tank, circulate the oil, etc. I read in another thread about owning two homes that s...
by neilpilot
Wed Jan 09, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1118

Re: Good quality wireless headphones

I'm certainly not an audiophile, but I'm happy with the Sennheiser HD 4.50 BTNC I purchased. I've only had them a month, and so far only used them via Bluetooth linked to my android and iPad to watch video. They were bought primarily for my 1-2 annual flights to Europe, which I haven't yet flown in ...