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Re: Wife doesn't want to retire - I do

I retired a few years before my wife did. It was my choice to retire, and her choice not to. There were no problems. It actually made things easier for her because I could do things during work hours and she did not need to be concerned about when they could get done. You should not have to work whe...
by jsl11
Sat Feb 28, 2015 11:20 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 42
Views: 3061

Re: Are remote starters bad for cars?

.....
by jsl11
Fri Feb 27, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2446

Re: What are Costco's best deals?

Watch the prices if you shop on Costco.com. The area rug I wanted was $269 in the store and $349 online. They build the "free shipping" into the price. Sometimes it is more, sometimes less, and sometimes the same. Sometimes the merchandise is the same, and other times it is different. Som...
by jsl11
Fri Feb 27, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 133
Views: 9860

Re: Are remote starters bad for cars?

I would be worried about the effect on the engine by warming at idle in the winter. When the engine is cold, lubrication is at its worst, and you would be prolonging operation with poor lubrication. As I recall, auto owners manuals suggest immediately after starting to drive at moderate speeds to wa...
by jsl11
Fri Feb 27, 2015 12:38 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2446

Re: What are Costco's best deals?

[quote="dm200"]What I get a COSTCO are:
6. [Sometimes} tuna fish (Chicken of the Sea Chunk light]

I suggest trying the Kirkland Signature Brand of albacore tuna. It is more expensive, but much better.

Jeff
by jsl11
Thu Feb 26, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 133
Views: 9860

Re: What are Costco's best deals?

Anything that you don't mind buying a ton of. And the winner is Easy Rhino. :D On a per unit basis, Costco has the best deal on everything. The only things that I choose not to buy at Costco are things that I don't want in bulk OR I don't like the supplier they use. Not everything is bulk sizes at ...
by jsl11
Thu Feb 26, 2015 3:33 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 133
Views: 9860

Re: IRA Investment

It also helps to provide fund names. Not everyone recognizes the symbols.
by jsl11
Thu Feb 26, 2015 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Investment
Replies: 7
Views: 458

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

I worked for a small division of a medium sized company that was "spun off" to be a separate entity. We had to start a new 401k for the "new" company, even though everyone kept their old jobs. We were not allowed to withdraw, and even then, our whole new plan had only amount $1M ...
by jsl11
Thu Feb 26, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 414

Re: Which Car? struggling to decide

This maybe belongs on the financial mistakes thread - but I bought a new car in 2007 (a Honda - pretty reasonable). I put very little down and had it financed for 4 years. The car itself has been pretty great and low cost as far as maintenance and upkeep - over 100k miles on it now. I know I spent ...
by jsl11
Thu Feb 26, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2787

Re: Learning Taxable Accounts

If you buy a fund in a taxable account for 10k and it pays out a $300 dividend, that dividend is taxable income (although the rate may be zero). You may take that dividend in cash, in which case you still have your original cost basis of 10k. However, if you reinvest the dividend, your cost basis is...
by jsl11
Wed Feb 25, 2015 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Learning Taxable Accounts
Replies: 5
Views: 631

Re: Housing decision - Is my rate rise concern justified?

Ok, here is an opinion. The size of your house is not a problem. Two girls per bedroom should not be a problem. It teaches them to share. Each child does not need their own bedroom. The only real problem I see is the school district. So, perhaps you can move to a better school district, but to a hou...
by jsl11
Wed Feb 25, 2015 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing decision - Is my rate rise concern justified?
Replies: 1
Views: 323

Re: [How do I invest with] Vanguard

Vanguard has lots of phone numbers. The one they show for "New to Vanguard" is 800-252-9578
by jsl11
Wed Feb 25, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How do I invest with] Vanguard
Replies: 5
Views: 661

Re: Convincing older relative to open online savings account

I would suggest keeping things as simple as possible. Perhaps his current bank has other savings accounts available, perhaps with minimum initial contribution amounts. Look at the various offerings of this bank and see what is offered.
by jsl11
Wed Feb 25, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1445

Re: Vanguard dividend received as cheque

Most likely, when you sold the fund, your preferences disappeared. You should re-enter your preferences for distributions.
by jsl11
Wed Feb 25, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard dividend received as cheque
Replies: 6
Views: 504

Re: Vanguard

Here you go: www.vanguard.com
by jsl11
Wed Feb 25, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How do I invest with] Vanguard
Replies: 5
Views: 661

Re: contributing to my roth ira

Toons wrote:It factors in any contributions you have already made.

This would apply only to contributions made at Vanguard. If you should have another IRA elsewhere, Vanguard would not be aware of it.
by jsl11
Wed Feb 25, 2015 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: contributing to my roth ira
Replies: 5
Views: 383

Re: Which Car? struggling to decide

If you have not already done so, test drive an Accord and a Camry. They are both a lot nicer than one might think. If you want more luxury, look at those with the option packages.
by jsl11
Wed Feb 25, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2787

Re: What are Costco's best deals?

Lon wrote:I did not know that Costco sold furniture. I just purchased a quality Chaise Sofa Bed for my apartment for $600+

If you look at their web site, you will find many items not available in the stores. http://www.costco.com
by jsl11
Wed Feb 25, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 133
Views: 9860

Re: Why does Vanguard sell anything other than SP500 Index f

Here is another example: Let's say you hold an S&P 500 fund in your 401k. You also want a foreign stock fund, but the one in your 401k is too expensive. So, you want to put that fund in your IRA instead. So, you go to Vanguard, open an IRA, and put Total International Stock Fund in it. In short,...
by jsl11
Wed Feb 25, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1830

Re: Admiral Shares vs ETFs for stocks

For example, you only have $5k to put towards Total Stock Market. Since you don't have $10k to get the low 0.05% expense ratio from Admiral shares, then it would be more cost effective to buy the ETF version for 0.05% fee instead of the investors version (VTSMX) for 0.17% expense ratio. The Investo...
by jsl11
Wed Feb 25, 2015 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs ETFs for stocks
Replies: 10
Views: 855

Re: Picking a Vanguard fund

When looking at average annual returns for Vanguard funds, does the return take the expense ratio into account? In other words, does a fund that returns say 10% but has an expense ratio of .50% yield a better return than a fund that returns 9.5% with an expense ratio of .05%? Thanks!! The reported ...
by jsl11
Tue Feb 24, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Picking a Vanguard fund
Replies: 7
Views: 796

Re: What are Costco's best deals?

It is not promoted, but Costco has unadvertised specials throughout the store. They can be recognized by the prices ending in 97 cents, such as $2.97. The only way you can find them, is to walk up and down the aisles until you see them. Of course, that is exactly why Costco does this. You are almost...
by jsl11
Tue Feb 24, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 133
Views: 9860

Re: Breaking up with a Financial Advisor help?

You don't "break up" with a financial advisor, you just fire them. ... Oh, its a break-up alight - because someone was getting screwed!!! I'm still amazed that 5% front end loads aren't criminal. "Hey, here's $10,000 to invest in XYZ fund." - screw-ee "Great choice, you now...
by jsl11
Tue Feb 24, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Breaking up with a Financial Advisor help?
Replies: 17
Views: 1145

Re: Dealing with HMO and balance billing issues

Since you got such great service from your HMO, why don't you give their name? Others might want to patronize them.
by jsl11
Tue Feb 24, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with HMO and balance billing issues
Replies: 12
Views: 623

Re: Cash Investment Ideas

Series I savings bonds, and CDs. Note: the savings bonds cannot be redeemed for 12 months after purchase.
by jsl11
Tue Feb 24, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Investment Ideas
Replies: 3
Views: 473

Re: Taking RMD this year

The same thing is true if you become sick and just forget. I still just wait until Dec, mainly because I am waiting to instead do the tax-free QCD, qualified charitable distribution, which congress only get around to at the last minute. Even if the law is not passed for the current year, when they ...
by jsl11
Tue Feb 24, 2015 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 924

Re: Employer 401ks with high fees

The small plan I was in had one index fund, and S&P 500 fund. The ER was .90% and there was a wrap fee of .90% for a total cost of 1.8%. At that time a Vanguard S&P 500 was available to the general public with an ER of .18%. I asked the representative of the provider why our cost was 10 time...
by jsl11
Tue Feb 24, 2015 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401ks with high fees
Replies: 5
Views: 500

Re: Car Battery in Unusual Cold

1.14. If the temperature is below freezing, keep the battery fully charged, use synthetic engine oil, a engine block heater, battery warmer, temperature compensated "smart" charger, take the battery indoors, or a combination of the above. (Please see the CCA vs. Temperature Diagram in Sec...
by jsl11
Tue Feb 24, 2015 11:02 am
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Employer 401ks with high fees

I was on the 401k committee when my employer set up the plan. It was a small company, less than 100 employees, so low cost plans were not available. The way our plan worked, the plan provider, an insurance company, provided a list of available funds. They were all high cost. The committee recommende...
by jsl11
Mon Feb 23, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401ks with high fees
Replies: 5
Views: 500

Re: Thoughts on replacing tires?

I have a dim view about all-season tires. My impression is that the only reason they became popular is that people hated storing tires and swapping everything out. It's safer to have winter tires and non-winte tires. However, given your mileage, perhaps the winter tires all year is a reasonable alt...
by jsl11
Mon Feb 23, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3412

Re: Keep brokerage account at Vanguard?

Brian2d wrote:1. I am happy with Vanguard commissions and my two issues are relatively minor.
2. Having an additional provider provides additional complications.
3. Transactions when I want to move money between Vanguard MFs and brokerage.


It seems to me you have answered your own question. :happy
by jsl11
Mon Feb 23, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Keep brokerage account at Vanguard?
Replies: 11
Views: 1330

Re: Thoughts on replacing tires?

I never worry too much about the spare. If you buy 4 new tires, you should use the 4 matching ones on the road. The spare is just for emergencies, and you would do a 4 tire rotation, not a 5 tire rotation. If you should need to use the spare, just use it until the damaged tire can be repaired or rep...
by jsl11
Mon Feb 23, 2015 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3412

Re: Thoughts on replacing tires?

I should add that we don't have a Costco membership, but we do have BJs (though we're letting it expire at the end of the month). Costco may still be the better value even with the $55 membership. Their prices include rotations and road hazard. However, once the tires are 6 years old, they won't to...
by jsl11
Sat Feb 21, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3412

Re: Thoughts on replacing tires?

I would suggest Costco. The tires they carry are good ones and the prices are very competitive. My daughter had one of their tires fail while it was under warranty. When she went to get a replacement, they no longer carried that tire. So, she paid for one tire under the terms of the warranty (a smal...
by jsl11
Fri Feb 20, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3412

Re: Are banks required to deposit third party endorsed check

Why couldn't the bank place a hold on the account for the amount of the check? The bank already has that money, and if the check bounces, the bank can make itself whole by removing the amount of held money and they could charge a fee for the returned check. This would allow the bank to provide this ...
by jsl11
Fri Feb 20, 2015 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2609

Re: Car Battery in Unusual Cold

Having a failed battery nowadays is easy, have a cell phone now, call the wrecker who will restart the car, then drive to a place like Sears to get a new one installed instantaneously. That all depends. If you are in the middle of a bad inner city neighborhood at 9:00 PM, or if you are in the middl...
by jsl11
Fri Feb 20, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

In my experience, a battery with a 3 year warranty is an economy grade unit. This is not even as good as the battery that came with the car when it was new. However, as cars get older, they can get harder to start, not easier. Accordingly, I would always suggest that one should buy at least a middle...
by jsl11
Thu Feb 19, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Why do companies match 401K contributions?

In addition to the reasons given above, there long has been a philosophy that employers want their employees to have their minds completely on their jobs. They do not want the employees to worry about medical bills, thus health insurance. They don't want employees to worry about retirement, thus pen...
by jsl11
Thu Feb 19, 2015 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4293

Re: Car Battery in Unusual Cold

Regardless of how new or old your battery is having a good set of jumper cables in the trunk - 16' long and at least 6 gauge IMO - is as important as having a tire jack. Yep. It has been some years since I last had to jump my car, but I did give some guy standing out in the cold with a dead car a j...
by jsl11
Thu Feb 19, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

With each step up in grade, you generally get a better warranty. However, the way to evaluate batteries is not the warranty period, it is by looking at the ratings. CCA is the cold cranking capability in amps. Reserve capacity, is the length of time the battery can keep the car operating if you los...
by jsl11
Thu Feb 19, 2015 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

One reason batteries fail in cold weather is that it is more difficult to turn over the engine when the oil is cold. Most batteries don't really "fail" when the temps drop. The main reason the car doesn't start is because on old battery that could turn over an engine at 50 degrees may not...
by jsl11
Thu Feb 19, 2015 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

In any event, if you have a car battery meter - you can go to your local AutoZone they will let you use theirs and test your car battery reading, if it comes up with an 11.9 (new car batteries test out at 12.5) it's time to replace the car battery, otherwise your just "testing your luck"....
by jsl11
Thu Feb 19, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

If you feel you need to go out and run the car when you really want to be warm inside, wouldn't it be worthwhile to just buy a new battery? Yes, I plan to. Problem is - I am not in a big urban area like the others where you can just run down to Sears, Walmart, Pep Boys, whatever and get your new ba...
by jsl11
Thu Feb 19, 2015 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

IMO the reason for that is because no matter how well manufactured, ordinary lead-acid batteries have chemical processes going on that wear them out and use them up with time and use. So once you reach an adequate level of storage capacity and robust-enough internal construction, essentially the ex...
by jsl11
Thu Feb 19, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Car Battery in Unusual Cold

If you feel you need to go out and run the car when you really want to be warm inside, wouldn't it be worthwhile to just buy a new battery? At worst you are "wasting" maybe 1/6 of the battery's life or something. At best you save yourself getting stranded somewhere even if only stranded a...
by jsl11
Thu Feb 19, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: 3-1/3% SWR = you can manage it by intuitive household bu

The SWR logic is completely flawed anyway. Consider two investors, A & B, that each have a 1M portfolio in 2007, and wish to use a 4% WR. A retired in 2007, and withdrew 40K the first year, and a little more in 2008 to adjust for inflation. B retired in 2008, but his portfolio had dropped from ...
by jsl11
Thu Feb 19, 2015 11:41 am
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3517

Re: American Funds departure or stay?

If the funds you own are down, the funds you would buy are also down. It makes little difference as long as the funds are similar.
by jsl11
Thu Feb 19, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds departure or stay?
Replies: 17
Views: 856

Re: New independent contractor tax questions

My suggestion is to estimate 25% your 1099 income for the year. Divide that amount by the number of pay checks remaining for the year at your employer and ask your employer to withhold that additional amount each payday. Withholding does not have to be for the current quarter, any time during the ye...
by jsl11
Wed Feb 18, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: New independent contractor tax questions
Replies: 3
Views: 308

Re: New 401k Management

Don't look at the 401k in isolation. Choose funds with low costs, and get the higher cost categories in your IRA accounts.
by jsl11
Wed Feb 18, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k Management
Replies: 6
Views: 233

Re: 250K or more with Vanguard

You should also be aware that Vanguard does not own the Vanguard funds. The funds own Vanguard. Each fund is a separate company. If somehow Vanguard went broke, the funds would find another administer or would administer themselves.
by jsl11
Tue Feb 17, 2015 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 250K or more with Vanguard
Replies: 17
Views: 5356
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