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Re: On line product reviews vs Consumers Reports

Use CR on line. Haven't subscribed hardcopy in years. They are not trying to sell you something. Keep that in mind. Tripadvisor? Who knows who is writing that stuff up. When I check out locations that I know and see what ranks out on top. I just have to wonder how many aunts and uncles those people ...
by derosa
Mon Feb 23, 2015 9:20 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2559

Re: Help! I can't afford to eat on my South Beach vacation

[OT comments removed by admin LadyGeek]
by derosa
Mon Feb 23, 2015 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4883

Re: Advice for how to help a grieving FIL with daily finance

Very sorry to see this situation. Having been through it and it is painful. However - From what i can tell he hasn't asked you for any financial help. You don't say that his bills aren't being paid. He isn't in debt collection. Power is not being turned off. So that doesn't sound like financial prob...
by derosa
Mon Feb 23, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to help a grieving FIL with daily finances
Replies: 13
Views: 1340

Re: Filing my own business taxes, some questions

Gosh i hope you are saving $1000s by doing it yourself! Because you are going to spend 100 hours doing it yourself based on the questions that you have just asked. Now i don't know what your time is worth - maybe $100 / hr - for being self employed? But at $100 per hour it doesn't take too many hour...
by derosa
Mon Feb 23, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Filing my own business taxes, some questions
Replies: 2
Views: 247

Re: Does early retirement affect SS benefits?

I would go back to the site and read all the details about the calculator and the results.
by derosa
Sun Feb 22, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does early retirement affect SS benefits?
Replies: 16
Views: 2296

Re: SS survivor question?

Thanks for your patience on this one! I completely overlooked the birth year dates - sorry about that. I knew you couldn't be wrong based on years of reading your articles but i wasn't seeing it. This was a topic that hit me with great interest. I don't think I have ever seen anything about this sma...
by derosa
Sun Feb 22, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS survivor question?
Replies: 14
Views: 872

Re: SS survivor question?

Oblivious – Is your calculation correct? Should you be using .75 instead of .7? I may not be understanding something of course. From the table in your blog post of 7/20/2012 if someone claims at age 62 they are getting 75% of their PIA. One of the examples used to illustrate that post has person tha...
by derosa
Sun Feb 22, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: SS survivor question?
Replies: 14
Views: 872

Re: Help with Fed Retirement, North Carolina, and Bailey

Here is link to NC Dept of Revenue concerning the Bailey decision. You can follow the link within that page to the list of qualifying state and federal retirement (p27) plans. Either you have 5 years of creditable service as of that date or you don't. You would have to check your plan's account info...
by derosa
Sat Feb 21, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Fed Retirement, North Carolina, and Bailey
Replies: 25
Views: 930

Re: Cost Basis Questions

Spec ID with mutual funds is for people that have a lot of extra time on their hands. YOu might save yourself $2.

In the real world for real people it makes little difference.
by derosa
Fri Feb 20, 2015 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Questions
Replies: 11
Views: 994

Re: Vanguard Index Fund Fees

You aren't assessed a fee nor do charges show up in your account. The money is collected by vg before it is reported in your account.
by derosa
Fri Feb 20, 2015 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1099

Re: How to interact with medical establishment

Still not quite sure we are getting the whole story here. OP recently had surgery. Not done by doctor says was called. OP has an appointment scheduled with the surgeon in the future. Not sure of the time frame - next week, next month, etc. Calls another doctor for an appointment. that OP thinks is r...
by derosa
Fri Feb 13, 2015 10:44 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2711

Re: Social Security as a bond?

It is a revenue stream. It is not something that you buy and sell like a bond. If you have any doubts about that - try selling it to someone. To put it another way what do you consider your paycheck? An equity? Just look at it as something that reduces the need for your investments to produce income...
by derosa
Thu Feb 12, 2015 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3177

Re: DH and I are buying bicycles

The key thing is fit not price. And if you are not sure how to properly fit a bike then go to a bike shop and have them do it. If you are going to ride on the road buy a road bike. Don't buy a tank - otherwise known as mountain bike or off road. Those are great for maybe bombing around town for 4 mi...
by derosa
Mon Feb 09, 2015 6:40 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

Re: Inherited Mutual Funds: Investing advice

Transfer it all to one fund like Wellington to get started. That buys you some time - say a month - to do a little research. You could also see about getting a financial plan from Vanguard as well. My point is you don't have to get it perfect, as though you will never have another chance to do anyth...
by derosa
Sat Feb 07, 2015 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3075

Re: How to make this fair: gifting to kids with different me

The kids are equal right - you and your wife both contributed 50/50 to them. A gift is a gift. You give the same to both with no strings attached. If you do anything else you are playing games - games with your kids and games with yourself. Who is to say that child that had trouble settling down (yo...
by derosa
Fri Feb 06, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8886

Re: Fidelity or Vanguard

I guess I am not understanding the question. You now have accounts at both places so you have experience at both places. Well what has been your experience?
by derosa
Wed Feb 04, 2015 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 2981

Re: Advice on Selling Car with Manual Transmission?

Advertise.

Remember you only have one to sell so you only need one buyer.
by derosa
Wed Feb 04, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 2322

Re: Why no talk about investing in Timber?

Based on OP's question about why this board isn't "flooded" with timber i wonder if the OP has ever read anything about investing on this board?
by derosa
Wed Feb 04, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1293

Re: Preventing Ice Build up in my roof gutters

The cause of the problem is the difference between warm house (attic) and cold outside (eaves, overhang). As mentioned above you have to address this difference going forward to eliminate/minimize this problem. Warm attic / roof melts snow, water drains to edge of roof/gutter, refreezes, dam is form...
by derosa
Wed Feb 04, 2015 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1841

Re: Vanguard's annual financial plan update

Have used vg plan for many years. YOu get out of it as much as you want based on what you put into it. And thats true with all the tools. I find the info and the conversation helpful and reliable. Next yesr work the system my friend - put in a big jump in expense - to the them tool that you Spend mo...
by derosa
Tue Feb 03, 2015 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's annual financial plan update
Replies: 5
Views: 1127

Re: How do you balance frugality and life?

I don't even think that you are married yet. So no kids yet. yada Gee there are going to be some things to spend some money on. It sounds like you have confused a means with an end. Money only has potential, it doesn't do anything. Doing is what you do. There will always be people with less and alwa...
by derosa
Tue Feb 03, 2015 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5377

Re: How to fire a client?

He knows you are doing this on the side. Simply state that you have new requirements and responsiblities at your fulltime job and can't continue to do the parttime (1099) contract work. Seems pretty simple. Then let it go. You seem to have no written contract or agreement or anything. What is there ...
by derosa
Sun Feb 01, 2015 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4888

Re: Birthday idea for fiancée (investment)?

Stick to the romance. You are not married. That means that you haven't yet closed the deal. Something about chickens and counting comes to mind.
by derosa
Sat Jan 31, 2015 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Birthday idea for fiancée (investment)?
Replies: 15
Views: 1581

Re: Anyone know when CD rates will increase?

July 4 - this year or next.
by derosa
Sat Jan 31, 2015 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 70
Views: 5368

Re: Semi-annual Furnace/AC Inspection

17 years old. I think you are just about at the end of life on those systems. You are the person that would benefit from it.
by derosa
Sat Jan 31, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1189

Re: cvt transmissions

Bought an accord last year with cvt. Liftime warranty on the powertrain with $100 deductible. that is my liftime as long as i own the car. If the manufacturer and dealer are going to support that they are not anticipating any problems. I have had no problems - not sure what the problems would be wit...
by derosa
Thu Jan 29, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2713

Re: New career as Financial Planner late in Life?

What you are talking about is a hobby. Do you want to go to a doctor that only wants to practice for a few years when he retires from something else. And you have never had to sell. No matter what style you think you might bring you are selling selling selling... Any good at that? Go for it if you w...
by derosa
Thu Jan 29, 2015 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: New career as Financial Planner late in Life?
Replies: 29
Views: 2816

Re: Recommend a clickless mouse

I guess i didn't know people stilled use a mouse.

Anyway a touch pad doesn't have any clicks. No noise and no piece of hardware to keep track off.

How do you type without making any noise?
by derosa
Mon Jan 26, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2432

Re: Flagship financial planner advice?

Who knows how many funds were proposed? It is not clear what funds were proposed from a reading of the OP's post. What he posted was an asset allocation breakdown not a listing of funds. You mean there are people in this world that don't want to spend hours each day or week on bogleheads.org debatin...
by derosa
Mon Jan 26, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5406

Re: 4% Withdrawal Rate Question

Also look at what your life expectancy is.

You may have plenty of money 30 years from now at say age 95 with 90%+ probability.

What is the probablity that you will be around then to spend it? It won't be anywhere near 90% -- Maybe 15% or less? Hard to say.
by derosa
Sat Jan 24, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal Rate Question
Replies: 16
Views: 2155

Re: Loss of water pressure when using hot water

type your systems into google and you should get some responses.
by derosa
Thu Jan 15, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2216

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Don't take my word for it - check out consumer reports. Dont know about san...
by derosa
Wed Jan 14, 2015 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4402

Re: How long to hang on to old documents?

If in doubt keep it. You don't have to make any decisions now.
by derosa
Tue Jan 13, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to hang on to old documents?
Replies: 10
Views: 1038

Re: Need help informing my father he is making a mistake

1. It certainly doesn't appear that advise was asked for on the part of the father. 2. His whole portfolio is not known so we have no idea where this amount fits in the larger scheme of things. 3. He has done something right to be able to retire at his age AND he is not asking you for money or to mo...
by derosa
Mon Jan 12, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4949

Re: An Excellent Article about 4% Withdrawal Rule

4% is a solid starting point. What needs to be thought of also is your spending. They go hand in hand. Be flexible. There are lots of other withdrawal schemes or programs around. They all seems to float around each other. There isn't anything with magic sauce that says you can withdraw 10% a year.
by derosa
Sat Jan 10, 2015 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3280

Re: Medicare & medigap before age 65

Is there any reason that you can't participate in the phone calls? To insurance or to anyone really. Could easily be done on a speaker phone. Would be similar to when you participate in a medical visit with his doctors.
by derosa
Sat Jan 10, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 15
Views: 1678

Re: Emergency Road Service..........

AAA for many years. Have used flat tire changing, jump start, new battery when it wouldn't start at all, towing a couple times. Get the 100 mile tow option. You would be surprised at how short a 5 mile tow is. To get value out of it use the discounts. There are many for purchases, admissions, servic...
by derosa
Fri Jan 09, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2894

Re: At Vanguard Active beats Passive

It just shows, again, that costs matter. Morningstar showed that years ago.
by derosa
Fri Jan 09, 2015 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3634

Re: Is it speculation to use the Callan Periodic table?

Anything looking backwards of course can be data mined to find something. There are a number of these 'periodic' tables out there. You might check several to make certain that they are in agreement? See a wealth of common sense from 1/2/15 for another take on a table. The tables all show relative va...
by derosa
Thu Jan 08, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Is it speculation to use the Callan Periodic table?
Replies: 35
Views: 3556

Re: Is my HVAC (heat pump) really dead?

I was going to say your home inspection should have covered this. I was going to suggest getting an hvac person to come out. But your post seems to say that you already had one look at the system? Have you had an hvac company out there to inspect it? Generally heat pumps are for warmer areas. The pr...
by derosa
Thu Jan 08, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3101

Re: Remind me: why am I holding VG's longer-term TIPS fund?

tips are for "unexpected" inflation. I don't think anyone expects inflation for years.
by derosa
Thu Jan 08, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3452

Re: Google takes invasiveness to a new level

From the brief and incomplete piece of information provided about what they want - it appears that they just want one copy of something in each of the two catagories - not everything in both lists. So two documents that you choose from the list. And you may be right that they aren't sure who you are...
by derosa
Sun Jan 04, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3395

Re: Unemployment Insurance Questions

OP doesn't provide enough info to accurately comment on. As pointed out he may be a contract / self employed worker and therefore gets a 1099. Businesses are supposed to pay unemployment taxes. This is not something that comes out of the employee's pay. If they don't pay then there is no money to pa...
by derosa
Sun Jan 04, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 680

Re: Another Edward Jones Debacle

Do you have power of attorney over her and her investments? That is not clear. Hard to know what she and her husband's thinking was when this was setup. So comments about that are simply hearsay. Seems like you should be in touch with her FA to learn about the background and why certain funds and al...
by derosa
Sat Jan 03, 2015 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones Debacle
Replies: 17
Views: 2773

Re: Help! Capital Gains on a Mutual Fund??? Tax Question

You did what is generally known as buying a dividend. Although a few months lead time like this really isn't buying the dividend. YOu have to buy some time, don't you? The classic situation is where people wait until just a few days before ex-dividend date to make the purchase. Then they really are ...
by derosa
Sat Jan 03, 2015 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Capital Gains on a Mutual Fund??? Tax Question
Replies: 13
Views: 1435

Re: Car Recommendations for about 25k

honda accord ex cvt can be out the door for 25 or less.
by derosa
Thu Jan 01, 2015 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5283

Re: question about 1099 salary

Lots of discussion about taxes. Let's talk business expenses and deductions. As a self employed person you should be tracking every cent that you spend that is related to your job. Hard to tell exactly what your job is and where you work. Regardless anything related to that business is a deduction. ...
by derosa
Wed Dec 31, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about 1099 salary
Replies: 18
Views: 1320

Re: Water heater

Any money you might remotely 'save' would be measured in cents and not $$$. Remember when you are using the water up - new water is coming in. You are paying for that new water on your meter - again cents. And you are paying for that new water as well on sewer/stormwater. This is all pennies. Don't ...
by derosa
Sun Dec 28, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2161

Re: Need help with trust problem, huge tax bill possible (CA

Hard to say what options there might or might not be without very specific, concrete information about what is and what is not in trust, etc. A lot of this post is, to put it politely, hearsay. From what i read you don't have an interest in or a stake in this trust - that would be no standing. At a ...
by derosa
Sat Dec 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with trust problem, huge tax bill possible (CA)
Replies: 8
Views: 1380

Re: Bucket question

Just keep treating it like you have been for years.

YOu didn't do anything different, treat it special, because it was deferred. Now it is not deferred and you actually have it in your hands. But that doesn't mean it needs special treatment or isolation.
by derosa
Sat Dec 27, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bucket question
Replies: 23
Views: 2499
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