Search found 1639 matches

by rec7
Fri Jul 31, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Consumer reports article/analysis
Replies: 8
Views: 433

Re: Auto Insurance - Consumer reports article/analysis

I wonder if Geico has big price raises every year?
by rec7
Fri Jul 31, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Investments for DW if I precede her in death
Replies: 20
Views: 1382

Re: Simplify Investments for DW if I precede her in death

You might look at two funds Short-Term Tax-Exempt and Total World Stock Index for your AA. That might cut your tax bill a lot. If it would not be to hard for her to manage the two funds.
by rec7
Thu Jul 30, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 172
Views: 10443

Re: Would you look down on a co-worker for driving a beater?

Over the years, I took a lot of grief that I was driving two beaters. My occasional supervisor lead the charge telling me that I should get a better vehicle and that he would not be caught dead in it. Of course, he was also the guy who had me drive him to the hospital with a bad back and my car was...
by rec7
Thu Jul 30, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 74
Views: 4297

Re: Who are you able to share good financial news with?

Word of warning to not share it with distant relatives. I find those folks only want money and they are not even nice about it.
by rec7
Thu Jul 30, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Investments for DW if I precede her in death
Replies: 20
Views: 1382

Re: Simplify Investments for DW if I precede her in death

I need to develop a strategy to reinvest our investment assets into a simpler AA in the event I precede my DW in death. Our current AA is fairly straightforward but would be overwhelming for her. I am 70 and she is 72. She could live comfortably off of SS and my pension and would probably only need...
by rec7
Thu Jul 30, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3572

Re: Geico Auto Insurance

To date, we've been with GEICO for 42 years. We have had none of the negative experiences some have shared in this thread. We pay $628 annually for our policy. Covers one car, which is new. But, that is so high ONLY because in retirement we moved to a southern state well known for high car insuranc...
by rec7
Wed Jul 29, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3382

Re: Retirees: Social Security and Expenses

You're really asking us to divulge our income. Think about it. I agree. With an answer to this question plus other posts we've made, too much info would be out there. I don't know about that, one of my relatives social security was $138 a month while some of the folks on this board might go up to $...
by rec7
Wed Jul 29, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3382

Re: Retirees: Social Security and Expenses

100% unless a big expense comes up (roof, furnace/AC, used car) but it covers everyday expenses. Thankfully these big items are not needed often.
by rec7
Tue Jul 28, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 668

Re: Car insurance question

Thanks everybody for helping me understand this.
by rec7
Tue Jul 28, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 668

Re: Car insurance question

If someone riding with me was hurt above 25k would my umbrella kick in? Is your "umbrella" policy a liability policy? It probably is. If so, your umbrella liability insurance would "kick in" to compensate your passenger if - and only if - you were found to be negligent in causin...
by rec7
Mon Jul 27, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 668

Re: Car insurance question

Yes it is the same company.
by rec7
Mon Jul 27, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 668

Re: Car insurance question

Good point on some items they wanted me to have a certain level of coverage but on UNINSURED MOTORISTS the insurance company was fine with 25/50
by rec7
Mon Jul 27, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 668

Car insurance question

I have UNINSURED MOTORISTS Bodily Injury at 25k each person 50k each accident. I also have a 1 million dollar umbrella. If someone riding with me was hurt above 25k would my umbrella kick in?
by rec7
Mon Jul 27, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Line of Credit
Replies: 5
Views: 943

Re: Personal Line of Credit

I think the key is to pay all your bills on time after that I don't think much else matters with a person's credit. I have closed and opened many cards and lines of credit. The more forms of credit the better. I think all this credit score stuff is over done. Sure it can go up or down but I have not...
by rec7
Mon Jul 27, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: DIY auto air conditioner recharge
Replies: 22
Views: 1761

Re: DIY auto air conditioner recharge

I have done this for two years but be careful I notice the pressure in the system rises each year. My system will not take three charges. Shops let the pressure out but using these recharge kits does not.
by rec7
Mon Jul 27, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Rewards Checking-An Easy Way to Earn Extra Money
Replies: 22
Views: 2690

Re: Rewards Checking-An Easy Way to Earn Extra Money

which perhaps average $50 each, Well, that's your problem right there. My average transaction is probably $4-$5. I mostly do it for breakfast on the way to work and lunch out while working. I could be using my 5% cashback credit card, but spending $4 x 24 (12 debit transactions, and 12 transactions...
by rec7
Sat Jul 25, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2561

Re: How much does Property Tax factor in home purchase?

I have a lot of relatives in the Chicago suburbs I think they all pay between 7k to 16k. One trick might be to buy a smaller house. The relative that pays 7k lives in a house around 950 sf. Chicago suburbs are not shy when to comes to getting property taxes.
by rec7
Fri Jul 24, 2015 7:05 pm
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1430

Re: Are Things Slowing Down Again?

Me too
by rec7
Thu Jul 23, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 2703

Re: Magazine Subscriptions

You might try https://rewardsurvey.com It involves a 10 - 20 multiple choice survey on various topics. Upon completion you're awarded anywhere from $15 - $30 in script for the website. There are a variety of magazines at various price points, $10 for National Review, $20 Wine Spectator, $71 for a y...
by rec7
Sat Jul 18, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6026

Re: losing money on a house....how do Bogleheads deal with it emotionally?

How do Bogleheads deal with losing money on a house? Scenario: - Moved from city A to city B for a new job 3 years ago. - 6 months into living in city B we bought a new construction townhome thinking we would stay here for a long time. - In the last year, DW has become VERY unhappy with city B and ...
by rec7
Fri Jul 17, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: State Farm premium increases...time for new quotes. Cute commercials don't count!
Replies: 12
Views: 1653

Re: State Farm premium increases...time for new quotes. Cute commercials don't count!

I seem to be making my way lower each time on this list.
http://www.insure.com/home-insurance/la ... share.html

State Farm and American Family seem to be high around here.
by rec7
Thu Jul 16, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

I got both of my quote over 800 numbers. I hear you. I might be able to get the agent to lower that number some. But the computers today play a big role in what you pay. I miss the old days when I could call them and buy $xx amount of insurance and they sold it to me. I was the computer in those days.
by rec7
Thu Jul 16, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

Good deal Ladygeek. I just got off the phone with Farmers and Allstate. They both came in at $1040 The wild thing is Allstate says the home is worth 100k more than Farmers. I guess insurance is just cheaper in PA. than MO Do a line-by-line comparison, as "100k more" with the same premium ...
by rec7
Thu Jul 16, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

Good deal Ladygeek. I just got off the phone with Farmers and Allstate. They both came in at $1040 The wild thing is Allstate says the home is worth 100k more than Farmers. I guess insurance is just cheaper in PA. than MO
by rec7
Mon Jul 13, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Drop collision and/or comprehensive insurance?
Replies: 32
Views: 2737

Re: Drop collision and/or comprehensive insurance?

The old rule of thump was to Drop collision and/or comprehensive insurance at 8 years. I don't know if that is still true.
by rec7
Sat Jul 11, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

rec7,I am quite pleased with my results. Lady did very well for herself as well. Regarding my home, just had it appraised @ $228k (in the process of eliminating PMI-- terrible I know) Allstate was actually my #2 option for Home (very competitive, low $400s). Auto was significantly higher (low $900s...
by rec7
Fri Jul 10, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

...1. Amica - more expensive than State Farm. Auto was 25% higher, homeowners was 5 % higher. 2. State Farm - "baseline" reference 3. GEICO - Auto was half (52% !) less than State Farm. Homeowners is slightly higher, but it was not a bundled price. Auto - glass is included. 4. Liberty Mut...
by rec7
Thu Jul 09, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

...1. Amica - more expensive than State Farm. Auto was 25% higher, homeowners was 5 % higher. 2. State Farm - "baseline" reference 3. GEICO - Auto was half (52% !) less than State Farm. Homeowners is slightly higher, but it was not a bundled price. Auto - glass is included. 4. Liberty Mut...
by rec7
Wed Jul 08, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14298

Re: Longtime Insurance Customers Get Ripped [overcharged]

And, can anyone explain, what is the difference between "credit score" and "insurance score" ? Under the same B.S. information section for Maryland customers, they go on to gush " Thank you for choosing.....we work hard to provide you with the most competitive pricing possi...
by rec7
Wed Jul 08, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8520

Re: Worst financial book you have read (or will admit you have read)

Hi Bogleheads, I am surprised one book did not make the cut thus far: "No Money Down" by Robert Allen. I had a colleague that read the book and recommended it to me. It was incredible in terms of the real estate "strategies" that were recommended. Best. One of these no money dow...
by rec7
Thu Jul 02, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 2924

Re: Help review a monthly budget

I always liked Crown Money Map I found it helpful even if I did not need all the categories.
https://www.crownmoneymap.org/MoneyMap/ ... tguide.asp
by rec7
Sun Jun 28, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3691

Re: Is your home owner insurance going up 27% this year?

Several years ago, mine was going to go up 30% (Allstate). I shopped around and received a 21% decrease (State Farm). Last year I paid $360 for the year. Dwelling: 176,000. Personal Property: 132,000. Deductable: 1,000. I'm not complaining, but still shop around. That is a great rate. I am in the M...
by rec7
Fri Jun 26, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7678

Re: What credit should you get? (Ask me anything)

How many cards would be OK to get in a one month time period. I have no inquires right now on my report.
by rec7
Sun Jun 21, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2191

Re: Question regarding sharing an inheritance:

I'd vote for splitting the remainder among the heirs of all 4 of you along some formula where the heirs get equal shares of the 1/4 that was originally allocated to each friend. I would also add that you be given more so you could cover inheritance tax later on in life if you think that would be a p...
by rec7
Fri Jun 19, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 673

Re: Need advice on scanning taxes

Or would I just be safer to put it in the mail?
by rec7
Fri Jun 19, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 673

Re: Need advice on scanning taxes

I have not scanned more than two pages before my scanner on the printer is from maybe 2007. This is my first time doing something like this.
by rec7
Fri Jun 19, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 673

Re: Need advice on scanning taxes

Could FedEx/Kinkos copy it in pdf form and put it on my flash drive?
by rec7
Fri Jun 19, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 673

Re: Need advice on scanning taxes

Looks like 9 pages each year. I guess I could put each year in a computer folder and email them. How safe is this?
by rec7
Fri Jun 19, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 673

Need advice on scanning taxes

I need to scan two years of taxes but my old scanner only does one page at a time. Is there an easy and safe way to get this done? I could pay to do it because I might need to do it only once every five years. The reason I am doing it is because I am applying for a loan. My credit union told me to s...
by rec7
Thu Jun 18, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 5290

Re: Your Top 10 Worst Bands/ Musicians and Movies

DDMP20 wrote:Your Top 10 Worst Bands/ Musicians and Movies

I saw a best of thread but what immediately came to mind was my least favorite so here goes;

Least Favorite Bands:

Beach Boys


The talent of Brian Wilson was something few had in music.
by rec7
Tue Jun 16, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Recommend a port, please [Wine]
Replies: 28
Views: 2634

Re: Recommend a port, please [Wine]

Go with Mogen David it is close to port and cheap.
by rec7
Fri Jun 12, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 30
Views: 3409

Re: Amica Insurance

I'm curious about the dividend check that you guys received from AMICA. I've been with them for more than 2 yrs now, don't recall receive any check. Also, I haven't filed any claim. Do they send check to everyone? I believe when you sign up you have a choice to be a member (higher premium but later...
by rec7
Fri Jun 12, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1134

Re: Furnace question

Are they there to relieve any excess pressure from a blockage - or to provide a minimum of airflow out of the basement? I don't know but two holes the size of a quarter each I would think would not help. The only thing I can think of is it might help the blower fan start easier. But I don't know? I...
by rec7
Thu Jun 11, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1134

Re: Furnace question

I guess it is not a huge deal but I figured it does not need to be sucking in basement air rather than getting a little more air from cold air return. I just wanted to make sure they were not there for the blower fan for some reason.
by rec7
Thu Jun 11, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1134

Re: Furnace question

I don't have a camera but these are in the blower section not in the burner section.
by rec7
Thu Jun 11, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1134

Furnace question

I have two holes in the blower fan section of the furnace about the size of a quarter each( This is on the outside of the furnace). I am thinking about putting furnace tape over them. Do you think this would be ok.
by rec7
Sat Jun 06, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: small church printer ideas
Replies: 10
Views: 1005

Re: small church printer ideas

I have one of these and I think it could handle that job. It prints in black and white and the toner is very low cost. For what they cost you could buy two to have a back up. http://www.amazon.com/Brother-HL2240-HL-2240-Laser-Printer/dp/B00450DULW/ref=sr_1_1?s=hi&ie=UTF8&qid=1433614109&s...
by rec7
Fri May 29, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2705

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

I finally got burned chasing all these CD deals. Every bank/credit union pulls my Chex report when I open an account. I suppose that's reasonable, even though I'm not opening checking accounts that would involve the potential to overdraw. What's less reasonable is pulling thre report multiple times...
by rec7
Tue May 26, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1799

Re: Roth IRA Tax question

Thanks everybody you have helped me to understand the 5498 better.

Go to advanced search