Search found 389 matches

Return to advanced search

Re: Are manufacturer vehicle owner warranties transferrable

Definitely read the fine print. Lots of warranties carry through ownership changes, but sometimes there are odd conditions.
by curmudgeon
Thu Oct 23, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Are manufacturer vehicle owner warranties transferrable
Replies: 5
Views: 383

Re: Athens and London, what to do and where to stay?

London is a pretty easy city to wing it, but it's not cheap. Don't think there's any need to go to $350/night unless you want a business-type hotel. Even if you do, I wouldn't stay near the Tower, but someplace more central; Marriot County Hall would be central and higher end, or Premier Inn County ...
by curmudgeon
Thu Oct 23, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 1936

Re: Car Rental Return Frustration in Spain

My favorite car rental return was in the Cook Islands... It was: 1) park the car in the lot at the terminal 2) put the keys under the floormat and catch your plane. Definitely felt a little odd.
by curmudgeon
Wed Oct 22, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Car Rental Return Frustration in Spain
Replies: 17
Views: 1476

Re: Debit Card was hacked. Should I just use cash from now

This question arises every now and then on the forum. I will not own a debit card. I asked my bank for an ATM only card. Below is a post I made in 2011 on the same subject. The cited article explains why debit cards are not a good idea. Jeff This story appears in the Cleveland Plain Dealer. http://...
by curmudgeon
Wed Oct 22, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3370

Re: Car Rental Return Frustration in Spain

Returning a rental car at a train station in the big city can often be frustrating. We get used to these big lots with plenty of signage at the airports, so the return parking in the downtown is a real challenge. I've seen similar situations in Munich and Nice. It's not one of those things that you ...
by curmudgeon
Wed Oct 22, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Car Rental Return Frustration in Spain
Replies: 17
Views: 1476

Re: Gross Yearly Income needed in Retirement (Speculation)

I've been penciling in roughly $80k per year as our baseline expenses. Gross to get there would depend on taxes. This includes about $20k/yr for travel, and some provision for auto replacement. It presumes moving from our current HCOL area to something more moderate, but not super low. It's doing so...
by curmudgeon
Wed Oct 22, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12416

Re: Gas stove features

You might consider a "gas-electric" range, or "dual-fuel". Gas for the cooking burners for all the standard reasons. Electric for the oven for more even heat, better broiling, maybe better convection performance. You need to have an available 220v outlet along with your gas line,...
by curmudgeon
Mon Oct 20, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Gas stove features
Replies: 12
Views: 1028

Re: Shoes for Plantar Fasciitis?

Biggest help for me (and my wife), was not shoes or inserts, but shifting our walking to more hills and unpaved paths, and away from long stretches on flat pavement. The more varied stretching and motion during walking really seemed to help. I've really cranked up the miles (mostly walking) this yea...
by curmudgeon
Mon Oct 20, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2351

Re: Smartphone questions

I held out on smartphones for a long time, because I didn't like the extra costs associated with them (and didn't expect to get a ton of use out of them). Recently the cost/value seems to be better (and our somewhat messy family plan got simpler), so I've made the shift. Biggest factor in my mind wa...
by curmudgeon
Fri Oct 17, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 90
Views: 6409

Re: bath tub

Couple of random thoughts for consideration. 1) If you can manage a little extra width vs the standard tubs, it definitely pays off. Also, eliminating or reducing the ledge on the inner side wall can make whatever you get a little more roomy. 2) The frameless glass looks nice, and doesn't have the r...
by curmudgeon
Thu Oct 16, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 796

Re: Feeling very fortunate today!

For myself, I view the recent market movements as just noise. If it drops another 25%, I might be starting to make adjustments. I can see feeling differently, though, if I had some really expensive plans for the years immediately after retirement (round the world cruise or the like).
by curmudgeon
Wed Oct 15, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6182

Re: Mortgage from family member

We've done medium-sized loans among several family members over the years with no problems, BUT, we are a pretty close-knit family, and those who were involved in the loans (on both sides) were pretty financially stable. I could see the potential for problems even in my family, though, as there are ...
by curmudgeon
Tue Oct 14, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage from family member
Replies: 21
Views: 1650

Re: How is Consumer Cellular

I'm planning to go to CC in a few months. I wanted a different phone from what CC carries, so I got a Nokia from the AT&T "Go Phone" prepaid service at Target. Since it's an AT&T phone, I *think* I could just move it straight to CC if I want, but I'd like to have it unlocked (to a...
by curmudgeon
Tue Oct 14, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 6951

Re: How is Consumer Cellular

How does the number porting thing work? Are they going to contact ATT to stop service immediately? Thanks. Your new carrier has to contact your old carrier to get them to release your number. This generally means you need to give your new carrier the account password to your old account. We've been...
by curmudgeon
Tue Oct 14, 2014 1:24 am
 
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 6951

Re: Is semi-retirement a bad idea?

It's not necessarily a bad idea, but the consulting gigs often run down after a while, or other things happen and I see folks who went this route coming back to more standard jobs. For many people in the higher income brackets, it's not just about the money, but also the stimulation and sense of pur...
by curmudgeon
Sat Oct 11, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7185

Re: I am surely doing something wrong (FireCalc question)

You might be being optimistic about returns between now and age 70. If we have an extended downturn between now and your retirement age, you might not have that $1.4m portfolio. You can play around with these things and always find scenarios that look rosy (or grim). How about cutting your SS benefi...
by curmudgeon
Sat Oct 04, 2014 3:27 am
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4005

Re: Home Ownership Maintenance Reserve

Lots of variability to this. In 35 years of home ownership, I've never been close to the 1%/yr level (generally less than .5%). On a true long-term basis 1% may not be that far off. It depends on how long you stretch the lifetime things like kitchen and baths; if you want to renovate those every 15 ...
by curmudgeon
Sat Oct 04, 2014 3:09 am
 
Forum: Personal Consumer Issues
Topic: Home Ownership Maintenance Reserve
Replies: 11
Views: 1578

Re: Fidelity Offers A Round-Trip to Europe for New Account

I've looked into this as well as other savings account offers that American Airlines puts out with an offer of bonus miles. I like having all of my investments with vanguard and since this has to be a taxable account, in nine months I'd probsbly have to pay capital gains taxes :oops: I also had not...
by curmudgeon
Thu Oct 02, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3087

Re: Changing a flight date

This is why I try to fly on Southwest for many US flights. You can get full credit for your unused flight segments if you cancel them before the flight time. They won't refund in cash, but in the form of a credit that is good for a year for other Southwest purchases. Note that you still may have to ...
by curmudgeon
Thu Oct 02, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1571

Re: Winds of change... Have I missed anything?

I'll throw out a few points for you... Leverage - I use it at times, but it's not something I'm a big fan of. Having student loans while "saving" for house down payment and putting money into retirement accounts in bonds equals leverage to me. It's good to be always sticking something into...
by curmudgeon
Mon Sep 29, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Winds of change... Have I missed anything?
Replies: 5
Views: 1206

Re: Medicare Advantage Plan.....Stay or Go?

If you do switch to Medicare only, keep in mind the point that you don't have international coverage with straight medicare. Not everyone wants to do international travel in their 80's, but sometimes cruises are still appealing. Travel insureance is an option for those situations. Right now I'm just...
by curmudgeon
Tue Sep 23, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1180

Re: Blood work for cats

I wouldn't do blood work in this situation, but I'm definitely somewhat of an outlier in terms of vet care for pets. Since being spayed/neutered, our two cats have made a grand total of one vet visit in 17 years. The one visit was for removal of a cyst. The vet wanted to send the cyst out for pathol...
by curmudgeon
Sun Sep 21, 2014 2:11 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2561

Re: Australia and New Zealand

Having been to both over the years, I'll throw in a few thoughts. Recognize that different things appeal to different people, so apply your own filter to what you get here... If flying on Air New Zealand, think about adding a stopover in the Cook Islands (Rarotonga). Interesting place, very laid bac...
by curmudgeon
Fri Sep 19, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 45
Views: 3672

Re: Employer stock options

I personally probably wouldn't do it for 5% discount. The gains on the 5% discount are not short-term capital gains, but ordinary income, subject to SS and medicare taxes, and also state income tax. Gains or losses after the stock is purchased are short/long term capital gains depending on how long ...
by curmudgeon
Thu Sep 18, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer stock options
Replies: 7
Views: 528

Re: New Laptop, need help

I've spent a career working on leading-edge, highest performance computer systems, but I really find very little point in paying much more than the minimum for a laptop. For typical home usage, there's just no point. Battery life could be a reason for some folks, but that's about it. The laptop I'm ...
by curmudgeon
Thu Sep 18, 2014 2:42 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2247

Re: Quit/retire - should I do this?

I'm in a similar place, and so I've been considering various factors along your lines lately. A few thoughts: 1) The layoff thing can vary widely. Sometimes companies formally ask for volunteers (offer ER packages to encourage people to leave sooner). Sometimes an informal offer/discussion with your...
by curmudgeon
Thu Sep 11, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit/retire - should I do this?
Replies: 41
Views: 3836

Re: Jacuzzi Thoughts

I think that the usage patterns for hot tubs are very bimodal. Some people who have them use them a lot, many others use them almost never. And it's not easy to tell which you will be before you buy it. We have one which we use several times a week, year-round. It helps that we keep it always hot, s...
by curmudgeon
Thu Sep 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Jacuzzi Thoughts
Replies: 7
Views: 449

Re: Besides pay and mobility, great job: What to do?

a Federal gov't job or something. This might be just the ticket to working in law or related work if she is interested! Yep, that is the one employer she keeps trying for, although it seems to be tough to land a job with the Feds Has she looked at Social Security Administration? They seem to have a...
by curmudgeon
Thu Sep 11, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1165

Re: Calculated Spending: Cars

I consider cars to be a consumption item, and so I tend to think of them in terms of annual expense rates. I don't generally aim to "drive it into the ground" these days, but I do usually plan to keep them for 100,000 miles or so. For my usage model, I've decided that buying new usually ma...
by curmudgeon
Thu Sep 11, 2014 2:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2932

Re: The Calculus of DIY

For me, DIY is a somewhat amorphous subject. I can do most things myself if I really want to, but there are various tradeoffs that come into play. It can also depend on how busy/harried I'm feeling about other things competing for my time, so the choice might differ from one time to another. One vec...
by curmudgeon
Tue Sep 09, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: The Calculus of DIY
Replies: 9
Views: 1206

Re: College-bound teens and finances

My kids all had their own checking accounts by the time they started high school (generally no-fee, with our credit union). About the time they got their drivers license, they got fairly low-limit credit cards which we co-signed. Getting a credit card just as they head off to college and all the oth...
by curmudgeon
Tue Sep 09, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: College-bound teens and finances
Replies: 35
Views: 2536

Re: Need good bank for 84y.o. ma who doesn't want online ban

One minor point. When you have found an appropriate bank, ask them how they set their statement dates. When my late-80's mother moved and opened a new local bank account, the bank was quite convenient and helpful (US Bank), but they set their monthly statement closing not by calendar month, but by t...
by curmudgeon
Wed Sep 03, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need good bank for 84y.o. ma who doesn't want online banking
Replies: 16
Views: 955

Re: Anyone use Legal Zoom for LivingTrust?

For the simple situations, which probably refer to less that 50% of the population, I think that Legalzoom or a similar canned format will be fine. My mother went through something of this nature 30 years ago, and we had no problems when she passed away. My own trust was prepared by a specialist att...
by curmudgeon
Wed Sep 03, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5116

Re: Once your house appreciates +$250k, sell it?

It is certainly worth thinking about selling as you start to run past the gains exclusion limit. The income tax bill can be significant. My mother was quite annoyed at both the income tax, and the fact that the high income pushed up her medicare premiums for a couple of years when she sold her house...
by curmudgeon
Tue Sep 02, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3825

Re: Do you take all of your allowed paid vacation time?

Different folks have different priorities about vacation time. Some just don't feel the need to alter their routines and go somewhere. For myself, I generally use all my vacation time, and have occasionally taken unpaid leave as well. I think on most of my jobs I've been able to carry over up to one...
by curmudgeon
Fri Aug 22, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5977

Re: Buying a home with aluminum wiring?

jcb3030 wrote:This could impact my ability to get a mortgage? Whoa...


I doubt that it would be as extreme as "no mortgage", as long as you have your insurance in line, but it might be an issue with some lenders, or with getting the best rates.
by curmudgeon
Wed Aug 20, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4974

Re: Buying a home with aluminum wiring?

Another thing you will have to watch out for is whether you might run into an issue with mortgage lenders. They've been getting really picky in recent years, and AL wiring might come into play there as well. Personally, I long ago resolved to avoid houses with AL wiring if at all possible, and I've ...
by curmudgeon
Wed Aug 20, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4974

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Don't jump to conclusions about being able to use the $500K capital gain exclusion for principle residence. You want to look more specifically for references about how that applies to a family farm. This is one of those things where the details may matter. There is an IRS farm tax guide for details,...
by curmudgeon
Tue Aug 12, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1693

Re: Home loan processing

One of the problems I've seen with loans going through brokers is that the lenders who are giving the best terms (whether to the broker or to you) usually want the loan to be absolutely squeaky clean in terms of documentation and qualification, because they plan to immediately package and sell the l...
by curmudgeon
Mon Aug 11, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home loan processing
Replies: 4
Views: 465

Re: Considering buying a Prius or a Volt

I thought the green HOV stickers (for plug-in hybrids) were about to hit their max limit allowed in the law. I don't follow that closely; maybe there has been an extension. It would be pretty annoying to buy with the expectation of a sticker and then find it is no longer available.
by curmudgeon
Thu Aug 07, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2762

Re: Daily Telegraph: World War One Archive

Fascinating to see this. It gives some perspective to those times to see the events in a contemporaneous manner. There definitely seemed to be, at times, an awareness of the potential breadth of the war in the days leading up to it. Brings back memories of playing the old board game "Diplomacy&...
by curmudgeon
Wed Jul 30, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 115
Views: 9671

Re: US car rental insurance for foreign tourist ?

My understanding is that most (all?) foreign credit cards don't offer the car rental coverage that *some* US cards do. One solution would be to to rent through a consolidator that packages insurance and rental in one price; do some searching on the tripadvisor forums for references on this. It's pro...
by curmudgeon
Mon Jul 21, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: US car rental insurance for foreign tourist ?
Replies: 9
Views: 873

Re: How much energy does water heater use when I'm not home?

Water heaters have added more insulation in the past few years, so I'm sure newer ones are more efficient than they were 20 years ago. There's still definitely some heat loss, though. Rather than turning off the breaker, I'd just turn the temp setting all the way down to the lowest value when you ar...
by curmudgeon
Fri Jul 18, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2864

Re: 2 days in San Francisco

Here's one for both art and a great view. A nice change from the typical SF tourist stuff. http://untouristsf.com/2013/05/12/16th-avenue-tiled-steps/ Oh, and I'll second the farmer's market at the Ferry Building. Lots of great food items. Some good shops there even when the market is not on, as well.
by curmudgeon
Fri Jul 18, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1761

Re: Poll - Do You Read Businessweek?

If I was going to subscribe to a business magazine it would be The Economist. One of the few really literate publications left. I subscribed to the Economist for many years, but gave it up a while ago. It seemed to have drifted into becoming to much of an opinion magazine, and I just wasn't that in...
by curmudgeon
Thu Jul 17, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2265

Re: Wife has no retirement options- is breadwinner

It can be quite straightforward and low cost for an employer to set up a "Simple IRA". I think you can shelter up to $12K that way. A drawback to this is that once you've got that set up, you can no longer do simple "backdoor Roth" when your income gets over the Roth contribution...
by curmudgeon
Thu Jul 17, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3411

Re: Insurance Inflation ?

I'm wondering what the real inflation rate of health insurance is for budgeting? I have read it's more than 3% per year and have even read 6%. So, what do you guys see for the inflation rate with your own insurance in retirement before Medicare kicks in and THEN what is real inflation of Medicare r...
by curmudgeon
Wed Jul 16, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 841

Re: Other forums of same high Quality?

I like the tripadvisor forums, though they have a lot of repetition. I've looked at cruisecritic once or twice, but I've been turned off by the poor attitudes and interactions that seem too common on the board. Citydata forums can be a possibility.
by curmudgeon
Mon Jul 14, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1600

Re: Your net worth/investments when you started saving less

We've always tried to keep a sense of balance in our lives, so our spending habits have undergone a gradual change. While it's not an explicit decision we made, I suspect we have naturally followed the mode of splitting income increases into some for increased savings and some for spending. Relative...
by curmudgeon
Sun Jul 13, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2507

Re: Retiring soon setting aside 3 years living expenses

I wonder how much cash for retirees do those free Vanguard investment plans advocate? Here's a link to a study that cash reserves don't work: http://www.kitces.com/blog/Research-Reveals-Cash-Reserve-Strategies-Dont-Work...-Unless-Youre-A-Good-Market-Timer/ I found that posting somewhat interesting,...
by curmudgeon
Sat Jul 12, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5579
Next

Return to advanced search