Search found 4257 matches

by TravelGeek
Tue May 18, 2021 1:45 pm
Forum: Personal Consumer Issues
Topic: Tesla’s regenerative braking
Replies: 52
Views: 3930

Re: Tesla’s regenerative braking

Some of you mentioned that regenerative braking can be turned off, but it seems like you can't do that on 2021 models. That appears to be correct. My fairly recent Model Y doesn't have the setup option, and it appears it was removed in mid-2020 for new cars. https://electrek.co/2020/10/27/tesla-rem...
by TravelGeek
Wed May 12, 2021 11:33 am
Forum: Personal Finance (Not Investing)
Topic: what to do if USPS lost my certified mailing of IRS return?
Replies: 50
Views: 4173

Re: what to do if USPS lost my certified mailing of IRS return?

By the way...apologies for hijacking this thread, but does anyone know how to get help when no one at the IRS is reachable - or can fix the problem when you do get them on the phone? I've tried writing my legislative rep, but their office just spits out some canned form reply with a bunch of IRS li...
by TravelGeek
Thu May 06, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Fixing a HSA "excess contribution" tax mistake
Replies: 6
Views: 526

Re: Fixing a HSA "excess contribution" tax mistake

Sure, I would not want to file 5 years of forms, but maybe in order to correct the recent ones where you can get a refund, you will have to file them all? I have no idea, I just wonder if you can make the problem go away by filing only the 2019 and subsequent ones, since the 2019 one would rely on ...
by TravelGeek
Wed May 05, 2021 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Fixing a HSA "excess contribution" tax mistake
Replies: 6
Views: 526

Re: Fixing a HSA "excess contribution" tax mistake

Thanks. I don’t know that I want to file 5 more 1040X forms, especially if I don’t get paid with a refund of the small amount of overpaid taxes. I just mailed a stack of 10 years worth of 8606 corrections that TT had screwed up over the years to fix my basis. (the lesson here is that relying on TT o...
by TravelGeek
Wed May 05, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase with credit card(s)
Replies: 19
Views: 1578

Re: New car purchase with credit card(s)

It seems to me that the dealership is going to sell the car for a certain price at a minimum. If it makes people feel good to think that they paid less net by using a credit card that's nice but probably not the case. Right, I would think if they are willing to accept a 2%-ish transaction cost paid...
by TravelGeek
Wed May 05, 2021 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Fixing a HSA "excess contribution" tax mistake
Replies: 6
Views: 526

Fixing a HSA "excess contribution" tax mistake

Reviewing our tax return in greater detail than in previous years (including "obscure" forms and worksheets), I discovered a mistake made a few years ago that has cascaded all the way to the current tax year. Basically, TurboTax classified an employer HSA contribution as excess contributio...
by TravelGeek
Mon Apr 19, 2021 9:44 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16436

Re: People with Covid-19 vaccination record cards: where are you keeping them?

The sole purpose of the card was for people to remember which vaccine they took when it came to getting the second dose, remember? -TheDDC From what I read, it was a poor “plan B” option chosen when the electronic record proved too difficult to implement in time for the vaccine rollout. https://www...
by TravelGeek
Wed Apr 14, 2021 11:49 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 54
Views: 6409

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Since this is a medical provider, I would wonder (and ask them in writing if the notification didn't state it) if any of the patient medical records were accessed/stolen as well. Medical data may be included in appointment or billing data as well.
by TravelGeek
Wed Apr 14, 2021 10:49 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 54
Views: 6409

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Our hospital began to require two forms of identification after it was investigated by public aid for having billed for six deliveries in the same year for the same woman. Turned out, six different women used the same medicaid card for their OB services. Not that unusual for people to lend their in...
by TravelGeek
Wed Apr 14, 2021 10:24 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 54
Views: 6409

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

In situations where the SSN is requested but doesn't seem legitimately needed, I have given out a number that is one number off from the correct one. Gee, I hope all the people one digit removed from you don't adopt a similar policy. Perhaps the (voided) number of Mrs. Hilda Schrader Whitcher could...
by TravelGeek
Tue Apr 13, 2021 7:09 pm
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 54
Views: 6409

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Plenty of people living (legally) in this country don't have a social security number. https://www.ssa.gov/pubs/EN-05-10096.pdf Assuming you don't plan on seeking care from this oral surgeon again, I would complain to everyone I could think of. Licensing boards, state AG, FTC, BBB, my insurance comp...
by TravelGeek
Thu Apr 08, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred
Replies: 16
Views: 1460

Re: Chase Sapphire Preferred

FWIW I dropped Chase two years ago altogether save the no annual fee Ink Cash Card for 5X on internet service. The Ink Cash is on track to become one of my highest spend cards. I use it for internet and cellphone bills (5X) and occasionally gas (2X), but the bulk of the spend is for Amazon (5X via ...
by TravelGeek
Thu Apr 08, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred
Replies: 16
Views: 1460

Re: Chase Sapphire Preferred

I've been doing a lot of housing keeping in terms of all things personal finance related. Was going through some of my credit cards and updating them to newer products from ancient cards I got forever ago. Which brings me to the CSP. Has this card basically become useless but with an annual fee? Th...
by TravelGeek
Thu Apr 08, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery App
Replies: 8
Views: 794

Re: USPS Informed Delivery App

I use the app. It shows you a week of history including current day. You can also check a box next to each mail piece to indicate if something wasn’t delivered. I can use the website for this I suppose but I like the convenience of the app personally. The same functionality exists on the website. I...
by TravelGeek
Thu Apr 08, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 77
Views: 7809

Re: What EV to buy for 20k-25k?

~30- miles of charging overnight won't get you very far, particularly in winter. (Batteries are not as efficient when the temps drop.) You mention summer temps in the 90's, but what about winter? If its in the 30's in the morning commute, expect a range loss of at least 30%, more if you turn on the...
by TravelGeek
Thu Apr 08, 2021 11:01 am
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery App
Replies: 8
Views: 794

Re: USPS Informed Delivery App

Didn't even know there was an app. Does it offer any benefit over the daily email?
by TravelGeek
Wed Apr 07, 2021 3:50 pm
Forum: Personal Consumer Issues
Topic: Gmail asking for birthdate
Replies: 14
Views: 2003

Re: Gmail asking for birthdate

Could it be that Google thinks you may be below the minimum required age for an unsupervised account?

https://support.google.com/accounts/ans ... 3913?hl=en
by TravelGeek
Tue Apr 06, 2021 3:04 pm
Forum: Investing - Theory, News & General
Topic: Any good investing books published post-COVID-19?
Replies: 5
Views: 632

Re: Any good investing books published post-COVID-19?

We are not post-Covid yet. Perhaps a bit too early to look for authors that have worked out how the world has changed.

And as this is bogleheads.org, do you expect Covid to change the standard bogleheads investment strategy?
by TravelGeek
Mon Apr 05, 2021 10:19 pm
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5982

Re: 2021 Check Up. 31 Years Old. NW $5M.

You are doing very well. Congratulations! Your "sports car" is more expensive than all my cars (over the course of my lifetime) combined :twisted: And if I were you, I wouldn't consider my "sports car" as part of my portfolio. I would look at my cash -- what does "but it's a...
by TravelGeek
Mon Apr 05, 2021 10:05 pm
Forum: Personal Investments
Topic: HSA Receipts
Replies: 16
Views: 1480

Re: HSA Receipts

- Libreoffice spreadsheet - scan documentation (receipts, bills) as PDF to my local disk (backed up in various places) - original paper receipt (if available) goes into a multi-pocket accordion file So far I haven't reimbursed anything other than $xx,000 COBRA payments, but I track in the spreadshee...
by TravelGeek
Mon Apr 05, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: GPS Tracking Device for Elderly Parent with Dementia
Replies: 11
Views: 1328

Re: GPS Tracking Device for Elderly Parent with Dementia

Apple is rumored to launch "Airtags" that would be perfect for this use case. They are supposed to be extremely low power devices that use nearby Apple devices to relay the location back to the owner. See https://www.macrumors.com/guide/airtags/ for more information. Don’t think tracking ...
by TravelGeek
Mon Apr 05, 2021 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Can I open a spousal IRA for my non-citizen wife?
Replies: 8
Views: 862

Re: Can I open a spousal IRA for my non-citizen wife?

Hello all......trying to figure out whether I am allowed to open a spousal IRA for my non-citizen wife who is currently in the country on a K-1 ( finance visa). Ahem. My wife and I are married and I live and work in the US. She is living here as well as a non-resident (but legally through authorize...
by TravelGeek
Sun Apr 04, 2021 6:30 pm
Forum: Personal Consumer Issues
Topic: Apple password recovery
Replies: 4
Views: 589

Re: Apple password recovery

Ok, have a look at https://support.apple.com/en-us/HT204915#FAQ If I can't sign in, how do I regain access to my account? If you can’t sign in, access a trusted device, reset your password, or receive verification codes, you can request account recovery to regain access to your account . Account rec...
by TravelGeek
Sun Apr 04, 2021 1:30 pm
Forum: Personal Consumer Issues
Topic: Apple password recovery
Replies: 4
Views: 589

Re: Apple password recovery

Does your husband have a recovery key? https://support.apple.com/en-us/HT204152 What if I no longer have access to any of my trusted devices? If you can't access any of your trusted devices, you can still access your account using your password and Recovery Key, or with your password and SMS-capable...
by TravelGeek
Sat Apr 03, 2021 2:21 pm
Forum: Personal Consumer Issues
Topic: Fully Vaccinated and Wondering What Behaviors to Change
Replies: 17
Views: 1605

Re: Fully Vaccinated and Wondering What Behaviors to Change

I am low to moderate risk based on personal assessment. I have not made changes to my safety practices since I got fully vaccinated in February since I don't consider the measures a huge burden compared to my assessment of the risk. Specifically, I still choose my walking routes carefully, pick up t...
by TravelGeek
Sat Apr 03, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3626

Re: Duolingo

Yes I think we're pretty close in usage and proficiency. If duolingo had not allowed free accounts to buy more hearts with diamonds, of which I have about 32k, I would probably have given up on my daily lesson or two and on the app altogether. I have 32209 diamonds. Wish there was something I could...
by TravelGeek
Fri Apr 02, 2021 2:03 pm
Forum: Investing - Theory, News & General
Topic: nextdoor referral for "financial advisor" makes sad Boglehead
Replies: 39
Views: 4569

Re: nextdoor referral for "financial advisor" makes sad Boglehead

There are four EJ offices in easy walking distance from my home (I thought it was two, but Google maps corrected me). That’s 4X the number of McDonalds “restaurants” I could walk to. Clearly a lot of folks love them. I don’t participate in those types of threads (or actually most threads) on Nextdoor.
by TravelGeek
Fri Apr 02, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card benefit/quality strategy (not rewards)
Replies: 8
Views: 1036

Re: Credit card benefit/quality strategy (not rewards)

I think you probably could have stopped when you said, This is extremely difficult because anecdotal data is all situationally different... Beyond the written differences in policy (eg, card A covers rental car insurance but card B doesn’t), everything else is subjective or anecdotal. It’s like tho...
by TravelGeek
Fri Apr 02, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3626

Re: Duolingo

I have had a duolingo account since 2015 and am currently on a 660 day-in-a-row Spanish streak. However I've completed only 3.5 of the 8 checkpoints for Spanish, in part because you have to jump through many advertising and other hoops for each lesson. Looks like we are at a similar point. 600+ day...
by TravelGeek
Thu Apr 01, 2021 10:56 pm
Forum: Personal Consumer Issues
Topic: Non ACA individual medical insurance?
Replies: 8
Views: 868

Re: Non ACA individual medical insurance?

Non-ACA plans exist in my state with plans ranging from ultra-narrow to very broad networks. Try googling the name of your state, plus blue cross blue shield. I can buy directly from them. By non-ACA plans, do you mean plans that are not compliant with ACA rules (often short-term plans with limitat...
by TravelGeek
Tue Mar 30, 2021 10:45 pm
Forum: Personal Consumer Issues
Topic: Using Android Beyond Security Update Period
Replies: 9
Views: 774

Re: Using Android Beyond Security Update Period

This prompted me to look up the Librem phone - they cost $2k!!! Naaa, there are two versions. The $2k model is made in California for enhanced security, the $799 is made in China and then flashed in CA. https://shop.puri.sm/shop/librem-5/ https://shop.puri.sm/shop/librem-5-usa/ https://puri.sm/post...
by TravelGeek
Tue Mar 30, 2021 9:30 pm
Forum: Personal Consumer Issues
Topic: Using Android Beyond Security Update Period
Replies: 9
Views: 774

Re: Using Android Beyond Security Update Period

Samsung has apparently recently increased this period to four years from the product release date, and the relevant period is three years for Google Pixel phones. It's disappointing to learn that both the Pixel 4a and 5 phones may not be supported after 2023. I am currently using a Pixel 3. I had p...
by TravelGeek
Tue Mar 30, 2021 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Pay Yourself Back
Replies: 51
Views: 7861

Re: Chase Sapphire Pay Yourself Back

Pay Yourself Back has now been extended until Sept 30, 2021. https://www.doctorofcredit.com/chase-extends-pay-yourself-back-until-september-30-2021/ Also, the $300 travel credit of the CSR continues to be usable on groceries, gas until the end of 2021. https://www.doctorofcredit.com/chase-sapphire-r...
by TravelGeek
Tue Mar 30, 2021 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 758

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

The maybe a problem with the above logic to initiate a cc dispute. If you initiate a dispute with the cc, it travels back to PayPal. The seller will not be "motivated" unless PayPal then worked it back another level, which is doubtful. In fact, it's doubtful the credit card company will e...
by TravelGeek
Tue Mar 30, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 758

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

It appears your goal at this point is not to return the item, but rather to get money back for the repair and as compensation for the damage. I don't think either the bank or paypal have provisions for such a resolution. If they agree that the product was "significantly different than described...
by TravelGeek
Tue Mar 30, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: Which Subaru would you recommend for my mom (mid 70s)?
Replies: 31
Views: 2026

Re: Which Subaru would you recommend for my mom (mid 70s)?

Take her to a Subaru dealership to sit in and test drive the various vehicles. We went to test drive an Outback and ended up buying a Forester based on how it “felt” to us. Very happy with it (2016 model year).
by TravelGeek
Tue Mar 30, 2021 2:59 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16436

Re: People with Covid-19 vaccination record cards: where are you keeping them?

According to today's Wash.Post, the Biden administration is working on a COVID vaccine passport rollout: https://www.washingtonpost.com/health/2021/03/28/vaccine-passports-for-work/?campaign_id=9&emc=edit_nn_20210329&instance_id=28597&nl=the-morning&regi_id=100196176&segment_id=...
by TravelGeek
Tue Mar 30, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Notice of Data Breach
Replies: 11
Views: 1282

Re: Notice of Data Breach

I agree with Flannelbeard . I don’t think those monitoring services add any value beyond what I get from freezing my credit and checking my credit reports on a regular basis. And Credit Journey from Chase shows me new inquiries as well. I wish there was a law that required companies suffering a brea...
by TravelGeek
Tue Mar 30, 2021 10:38 am
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 150
Views: 12121

Re: Tesla for people that keep cars a long time

I interested to see in the years to come what percentage of long range EV's actually end up getting battery swaps late in life rather than simply getting scrapped for the same reasons that factor into ICE car scrapping - "I could spend $X to replace the battery, but the suspension also needs w...
by TravelGeek
Mon Mar 29, 2021 2:48 pm
Forum: Personal Consumer Issues
Topic: INT'L SUMMER TRAVEL (from US)
Replies: 25
Views: 1840

Re: Travel to Europe

Not going anywhere until we have mask-free flying. I can barely tolerate economy class flying under normal circumstances and would go to great lengths to avoid flying with a mask for 5-6 hours. On top of shutdowns and summer heat, it just does not seem like a fun experience. I traveled to Europe an...
by TravelGeek
Mon Mar 29, 2021 11:40 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16436

Re: People with Covid-19 vaccination record cards: where are you keeping them?

If Krispy Kreme accepts my vaccine card I cannot imagine why a foreign country wouldn't :shock:. Do you think the US would accept a flimsy hand-written piece of paper as proof of anything from foreigners? 1) What I said was in jest. Sorry, my jest sensor has been malfunctioning in recent days. I wi...
by TravelGeek
Mon Mar 29, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Fictitious TurboTax returns for what if analysis using different states
Replies: 10
Views: 919

Re: Fictitious TurboTax returns for what if analysis using different states

I used my desktop version of Turbo Tax 2019 to model my 2020 return with a very large TIRA to Roth conversion. It also included a LTCL with carryover. When I did my 2020 return using Turbo Tax's 2020 version, it erroneously thought I had a LTCL carryover. I could not delete it and finally contacted...
by TravelGeek
Mon Mar 29, 2021 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Fictitious TurboTax returns for what if analysis using different states
Replies: 10
Views: 919

Re: Fictitious TurboTax returns for what if analysis using different states

I applaud what you're doing, but I'm not sure why you couldn't just look up taxes of each state here: * https://smartasset.com/taxes/nevada-tax-calculator Substitute "nevada" in the above hyperlink for the desired state. Two-word states have a hyphen (e.g. https://smartasset.com/taxes/new...
by TravelGeek
Sun Mar 28, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16436

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I believe the authentication was based on data in the statewide central vaccine registry , which is a central database of all vaccines administered in the state since 2008. That seems right. https://covid19vaccine.health.ny.gov/excelsior-pass-frequently-asked-questions What health information can E...
by TravelGeek
Sun Mar 28, 2021 6:57 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16436

Re: People with Covid-19 vaccination record cards: where are you keeping them?

If Krispy Kreme accepts my vaccine card I cannot imagine why a foreign country wouldn't :shock:. Krispy Kreme is also giving you a donut if you are not vaccinated. It is just a marketing campaign. They don’t care about the card. Do you think the US would accept a flimsy hand-written piece of paper ...
by TravelGeek
Sun Mar 28, 2021 6:33 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 150
Views: 12121

Re: Tesla for people that keep cars a long time

Even with widespread EV adoption, gasoline station will still be around 50+ years from now. EV's work great for passenger vehicles that have defined commutes, but they don't work so well in long haul trucking. As long we are still using diesel trucks as the backbone of our distribution industry, th...
by TravelGeek
Sat Mar 27, 2021 7:42 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 150
Views: 12121

Re: Tesla for people that keep cars a long time

Personally I love the luxury features in the Tesla that I can’t find in any other car. My favorite is that the cabin automatically warms up in the morning before I leave for work, and it automatically keeps itself cool in the summer while parked. My wife will love those features. I have earned majo...
by TravelGeek
Sat Mar 27, 2021 7:37 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 150
Views: 12121

Re: Tesla for people that keep cars a long time

I would have thought the much faster one would have been much more. I assume the performance appeals to a different crowd. Not sure why you'd pay more for a fast car if you never use it that way. Well, I have been saying the same thing - why would anyone buy the Performance model when even the top ...
by TravelGeek
Sat Mar 27, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing web business for net worth purposes
Replies: 28
Views: 1490

Re: Valuing web business for net worth purposes

Most businesses are worth nothing because they are selling a job. Nobody is going to buy a job. Very very few businesses are turn-key operations that take no training and daily commitment to run. A web business that makes money from advertising is as passive as it gets. Content brings traffic and t...
by TravelGeek
Sat Mar 27, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3035

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

You know, many car owners probably don't want their car to get updated over time if it will change the way the vehicle behaves. Even if the updates are useful, they could be annoying or even a safety hazard if drivers have acclimatized to the old state of their vehicles. It depends. If it is an act...