Search found 1656 matches

by rec7
Fri Sep 04, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 2672

Re: Books to help a couple working out a budget

It is not a book but I find this web site very helpful. https://www.crownmoneymap.org/MoneyMap/ ... tguide.asp
by rec7
Fri Sep 04, 2015 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Rewards checking accounts as investments
Replies: 47
Views: 2046

Re: Rewards checking accounts as investments

We do two of them but I see why some others find them a pain. I understand both sides.
by rec7
Thu Sep 03, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 4183

Re: Goal: Have $0 left when I die

My father once told me he could do his will in three minutes. I asked how would you do that? He said take his checkbook to church. That is one way to do it.
by rec7
Mon Aug 31, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 5287

Re: Tire rotation

I rotation every 5k and I will get the full life of the tire. Wouldn't you get the same full life of the tire if you replaced them in pairs? For example, lets say 4 tire last 50k if rotated every 5k or 10k miles. If you don't rotate, the front tire wear out at 40k, but the rear tires have still hav...
by rec7
Thu Aug 27, 2015 6:25 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade my HVAC?
Replies: 22
Views: 2295

Re: Time to upgrade my HVAC?

Saw a commercial yesterday that said "if your AC is more than 10 years old, its costing you money" They also say replace your mattress every 8 years. Sometimes the payback can take a very long time on the AC. I have an old one that is older than the OP but I am still on the fence because ...
by rec7
Wed Aug 26, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 5287

Re: Tire rotation

This is my experience. Every other oil change (10K miles) my mechanic check my tires and decide whether or not to rotate based on the thread-depth differences. If it's close 2/32 difference, he rotates. On average I think I ended up rotating every 15K miles and he charges a bit over $10 for all fou...
by rec7
Wed Aug 26, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Old friends (High School, College) not talking anymore?
Replies: 12
Views: 2232

Re: Old friends (High School, College) not talking anymore?

I don't see how to post in off topic. Sorry
by rec7
Wed Aug 26, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Old friends (High School, College) not talking anymore?
Replies: 12
Views: 2232

Old friends (High School, College) not talking anymore?

I have emailed many old high school and college friends and find none of them want to talk. I am middle age and single. I thought it would be fun to talk to them again. What happens as time marches on? I know other things in life come up but an email only takes a few minuets.
by rec7
Sun Aug 16, 2015 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance coverage query
Replies: 6
Views: 457

Re: Home insurance coverage query

Buidling Property Proection- $110000

Shouldn't that be for 300k?
by rec7
Thu Aug 13, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Garage door fine, but keypad not working
Replies: 19
Views: 1175

Re: Garage door fine, but keypad not working

I would guess the battery. But we have one that works with it's 19 year old battery in it. The batteries can last a very long time. I am guessing we only use our 2-3 times a year.
by rec7
Wed Aug 12, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Plz critique these auto insurance policies
Replies: 23
Views: 1795

Re: Plz critique these auto insurance policies

Those prices seem insane to me. For reference I have a 2013 Toyota Tacoma, full coverage (with Geico), live in the Bay Area, CA and my 6-month premium is $426 Hers may be artificially high because of prior accidents, but yours seems excessive as well and you didn't mention any accident history. Our...
by rec7
Wed Aug 12, 2015 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much is too much?
Replies: 42
Views: 5601

Re: How much is too much?

I would not worry about too much. If I were a CEO and made 10 million a year I might only work a year. Because I only need a fraction of that. I would just shorten the years worked.
by rec7
Fri Aug 07, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Best Hot Water [Pressure] Tank Values
Replies: 36
Views: 2262

Re: Best Hot Water Tank Values

I bought my current house three years ago and knew moving in that the water heater was old. However it functioned and so I worked on other things. Just three days ago, I noticed a very slow leak had started under it. I called to get an estimate and for a direct vent model 50 gal model to replace it...
by rec7
Thu Aug 06, 2015 8:40 pm
Forum: Personal Consumer Issues
Topic: Best Hot Water [Pressure] Tank Values
Replies: 36
Views: 2262

Re: Best Hot Water Tank Values

I bought my current house three years ago and knew moving in that the water heater was old. However it functioned and so I worked on other things. Just three days ago, I noticed a very slow leak had started under it. I called to get an estimate and for a direct vent model 50 gal model to replace it...
by rec7
Thu Aug 06, 2015 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison Shopping Homeowner's Insurance - Seeking a Good Broker
Replies: 1
Views: 173

Re: Comparison Shopping Homeowner's Insurance - Seeking a Good Broker

Around here we pay $1050 (with farmers) for a house worth about half of what yours is so your deal does not look to bad.
by rec7
Wed Aug 05, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 34
Views: 3860

Re: Any Experiences Buying Mattress Online

Bought once at sams club online, they delivered it. No issues, really liked the mattress. Wife said she thinks its too high. So i called them they came and picked up. No issues. Bought it again the same mattress online at sams club without the box spring. No issues. I have found out on these new be...
by rec7
Sat Aug 01, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Think about moving from St Louis to Spokane how is the weather different?
Replies: 6
Views: 1046

Re: Think about moving from St Louis to Spokane how is the weather different?

Thanks everybody. It might help some if I can get out of the valley.
by rec7
Fri Jul 31, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Consumer reports article/analysis
Replies: 13
Views: 1446

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: 22
Views: 1817

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: 196
Views: 13805

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: 103
Views: 8687

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: 22
Views: 1817

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: 3784

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: 3789

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: 3789

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: 685

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: 685

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: 685

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: 685

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: 685

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: 974

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: 1928

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: 2806

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: 2812

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: 1962

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: 2805

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: 6410

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: 1760

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: 14701

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: 14701

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: 14701

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: 2852

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: 14701

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: 14701

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: 14701

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: 14701

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: 94
Views: 9908

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: 3103

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: 3863

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...

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