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by soaring
Tue Feb 24, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1310

Re: Arguments for and against FSBO for house?

You can save 50% of the costs yet get the benefits of listing in MLS, realtor.com, etc by listing with a flat fee realtor. A few states do not allow this but many do. I've sold 3 homes using this method and every time the buyer found me thru realtor.com so I saved almost 100%. I paid $299 for one yr...
by soaring
Wed Feb 18, 2015 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax(TT) question - 1099 MISC
Replies: 5
Views: 596

Re: Turbo Tax(TT) question - 1099 MISC

I've already used TT delux and it included 1099-misc form but I can't tell you the specifics of your situation.
by soaring
Thu Feb 12, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2309

Re: Time to finally purchase nice bedding - thoughts?

You should absolutely read about and try to lay on 100% natural (not blended) talalay (not dunlop) processed latex (from rubber trees). The firmness is rated by ILD numbers. generally 3-4 firmness ratings. It took me about 6 months to find a dealer in our state and we traveled 140 miles round trip t...
by soaring
Mon Feb 02, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4317

Re: Replacing a reliable Toyota

might look at Toyota Venza all wheel drive.
by soaring
Sun Dec 28, 2014 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home Ownership in Retirement
Replies: 18
Views: 3151

Re: Home Ownership in Retirement

This link will help you compare more types of expenses by state than those you mentioned. Should provide a clearer picture

http://www.retirementliving.com/taxes-by-state
by soaring
Fri Dec 05, 2014 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 36
Views: 2437

Re: Medicare signup

If you decide to evaluate MA plans IMO it is best done thru Medicare.gov web site. by entering your zip code you can review exactly what plans are available in your County not the State. MA plans are designed by County not State.
by soaring
Wed Nov 19, 2014 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: GDX +20% since Nov 5th lows
Replies: 10
Views: 1506

Re: GDX +20% since Nov 5th lows

monitor this for 2-4 years

PVG
by soaring
Sat Nov 08, 2014 4:39 pm
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5383

Re: My DISH tv bill just keeps going up and up

Drop the whole package. Get a netflix subscription, a Chromecast or Roku, and an OTA HDTV antenna. Profit $152 - $8.99 netflix subscription per month = $1,716.12 savings per year. That's a typical extra mortgage payment, my friend. all that and others sound great but yours doesn't provide network s...
by soaring
Thu Nov 06, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to Regular Medicare
Replies: 14
Views: 1625

Re: Medicare Advantage to Regular Medicare

No she can't drop during the year only at renewal time...there are some exception but just because one wants to isn't one of them. Also if her plan provides drug coverage as well then consideration of a drug plan at additional cost might be needed since drug coverage is not part of basic Medicare co...
by soaring
Sun Nov 02, 2014 1:18 pm
Forum: Personal Consumer Issues
Topic: Home phone [service provider]
Replies: 15
Views: 883

Re: Home phone

What about 'Magic Jack'? I used MJ for about 5 years along side my hard wire ph. Several years ago connected MJ to router, ported primary hard wire number to MJ, closed hard wire. No regrets MJ works fine thru router. Router / cable modem connected to battery back-up that will run it for days if po...
by soaring
Sat Oct 18, 2014 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 13240

Re: "I've had it" at work - how often

happened once upon return from two week vacation after 17 yrs...even before returning to work. Had planned to work another 8-10 years was 57 at the time. I quit, I retired (was tired), couldn't deal with 80-90 hr weeks. Retail mgmt...low level Director, multi-locations. Last week of notice VP had me...
by soaring
Thu Oct 16, 2014 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 3032

Re: Can I put 52000 a year in my 403b (401k whatever)

This IRS data seems to say you can but.... as others have said the devil is in the details. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---403%28b%29-Contribution-Limits Retirement Topics - 403(b) Contribution Limits Generally, contributions to an employee’s 403(b...
by soaring
Sat Oct 11, 2014 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 2075

Re: Calculating RMDs

"Vanguard computes it for me" works if all investments are with V. However some need to calculate the RMD from various retirement sources and pay from one source. Vanguard will not do that for you. Or will they? I'm only 6 months away from needing to know.
by soaring
Mon Oct 06, 2014 11:12 pm
Forum: Personal Consumer Issues
Topic: Kitchen Cabinetry Lines
Replies: 19
Views: 1416

Re: Kitchen Cabinetry Lines

Kraftmade. In past 15 yrs I've remodeled two kitchens. Both times used KraftMade. Sold at both Lowes and Homedepot. Very satisfied with product, packaging, delivery and quality. Depending on size of order KraftMade deliveries direct from factory to your home on their trucks. Needed minor parts repla...
by soaring
Tue Aug 26, 2014 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Which online broker suites my needs best?
Replies: 10
Views: 792

Re: Which online broker suites my needs best?

Welcome to the forum. Bogleheads typically go by the principle that we would rather own the entire stock market, or at least a large chunk of it, than simply a few stocks. This increases your diversification, thereby reducing risk that bad times in a given sector/industry will ruin your portfolio. ...
by soaring
Tue Aug 19, 2014 3:23 pm
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 9188

Re: Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I realize that investing in individual stocks is not consistent with the Boglehead philosophy, but I still maintain a small amount of money in a trading account ...
by soaring
Thu Aug 14, 2014 4:02 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9876

Re: Telephone Calls! Help! [Telemarketing phone calls]

We are on the Do Not Call List but we get calls from companies, plus survey co.s, politicians, etc. all day. We don't answer unless someone identifies themselves. The phone is no longer our own; it belongs to any company that wants to sell something. Please! How do we stop it ???!!! We ALWAYS answe...
by soaring
Fri Aug 08, 2014 5:02 pm
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17508

Re: The Worst Investment You Can Make: Buying a Home

If the angle is owning a home is a bad investment then so be it regardless if accurate for multitudes of reasons. I own because it is NOT an investment but HOW I want to live. My property my privacy my way.

Good luck to all those that need an "investment" reason to own a home.
by soaring
Tue Jul 29, 2014 4:49 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2829

Re: New HVAC system

14 seer sounds low. Evaluate the costs of moving up 1-2-3 steps. and two stage vs single stage. Then calculate that difference in cost with likely savings.

We installed two stage 17.5 seer and couldn't be happier with lower monthly bills, etc.
by soaring
Wed Jul 23, 2014 3:46 pm
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 26
Views: 2610

Re: Best Used Recreational Bicycles for New Riders

One suggestion. Look at bikes that allow you to sit upright not leaning over the handle bars. The link shows a women's bike but you can also find a pic of mens bikes. This type bike allows you to sit upright. We are so happy we went this way and sit upright. This brand had the old type internal hub ...
by soaring
Fri Jun 27, 2014 8:16 pm
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 5220

Re: Fed up with ATT

I've been using magicJack for 4-5 yrs. Finally decided to drop my land line. Ported my land line ph # to mj for a $20 fee and $10 yearly to keep my # and the fee for mj service of course. Switched my DSL internet several months before the change to cable. So now my phone bill is $10 yrly for the por...
by soaring
Mon Jun 16, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9460

Re: What Do You Eat For Snacks?

"Premier Protein drink" 30g protein, 1g sugar, 1g saturated fat this drink is carried at Costco & Sam's club. It is in a box of 24. each 11 oz drink is in a cardboard type container not glass or plastic. It is in the area where the pharmacy is located NOT where drinks are kept. "K...
by soaring
Mon Jun 16, 2014 8:26 pm
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 6311

Re: Shopping at Costco

I don't really recommend doing this, but Costco will refund your membership, in full (I believe), for any reason and at any time prior to its expiration. So if you get a membership and then determine that you won't use it very often, the refund option is there. Costco will refund the unused portion...
by soaring
Sun Jun 15, 2014 5:03 pm
Forum: Personal Consumer Issues
Topic: Email service alternatives to MSN hotmail and Gmail?
Replies: 22
Views: 2381

Re: Email service alternatives to MSN hotmail and Gmail?

I want to migrate from MSN to Mozilla Thurnderbird but I worry that I will lose my email archives. Victoria I recently installed Thunderbird and their program moved all my free msn email (outlook.com) to Thunderbird except email addresses...probably something I did wrong to not get addresses. Used ...
by soaring
Sat Jun 14, 2014 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 6035

Re: Geico? No, thank you...

Geico never did any bait and switch with us and everything was above board but after a few years I found USAA was about 25% less expensive for more coverage.
by soaring
Thu Jun 12, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: Recommendations on Carpet Cleaning
Replies: 10
Views: 1148

Re: Recommendations on Carpet Cleaning

GerryL wrote:I opt for not wearing shoes in my house ... and long, long time between cleanings.


:thumbsup

We haven't worn shoes inside for 30+ years. Who would want the street garbage from the bottom of their shoes inside their home.
by soaring
Tue May 13, 2014 1:31 pm
Forum: Personal Consumer Issues
Topic: Telephone sales illegal?
Replies: 20
Views: 1510

Re: Telephone sales illegal?

the carpet cleaning sounds like a local business. If so most do not subscribe to the do not call list. We receive about 2-4 unwanted calls a month. Like you we have been on the dnc list for years with the same ph number. When I hear a caller selling something that sounds local I ALWAYS pick up and i...
by soaring
Mon May 05, 2014 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Mauldin hedging mortgage with yen put
Replies: 0
Views: 218

Mauldin hedging mortgage with yen put

I found this article interesting not because it is anything I could or would action and unlikely anyone else on this board would but just that Mauldin shared the specifics of how he did it. Some months ago he wrote it was his intention to do so and that he would later share the results but I never t...
by soaring
Fri May 02, 2014 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice on picking a financial advisor
Replies: 36
Views: 2240

Re: Advice on picking a financial advisor

While this comment doesn't make Vanguard secure in your wife's name but...

I've been with Vanguard since the early 90's. Nothing would get me to change...but I realize you guys have to find that out for yourself.
by soaring
Mon Apr 28, 2014 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another Social Security, spousal benefit question!
Replies: 5
Views: 2439

Re: Another Social Security, spousal benefit question!

Sure there is! After 66, his work does not reduce his benefits. After 66, he can be a husband without being old-age (his own benefit). Is your brother 66 or older? Yes, brother was born in 44. at my FRA, 66, I began drawing Spousal Benefits which are 50% of her FRA NOT what she began drawing at 62 ...
by soaring
Sun Apr 27, 2014 8:22 pm
Forum: Personal Consumer Issues
Topic: Sedona AZ [travel recs needed]
Replies: 9
Views: 2604

Re: Sedona AZ

When we were there about 15 yrs ago we reserved on a four person hot air balloon ride on a Sunday morning taking off at sunrise with champagne breakfast upon landing several hours later in the wide open desert prepared by the ground crew following in a truck. It was wonderful.
by soaring
Wed Apr 23, 2014 5:47 am
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 32088

Re: What's your number?

I don't mean to sound....but "what is your number" for someone else seems a useless number for sharing. If you live in SF and I live in Fl basic costs to survive are not comparable. That doesn't even consider one's standard of living, expectations, etc, etc, etc. Anyway good luck with your...
by soaring
Sun Apr 20, 2014 4:15 pm
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 6220

Re: POLL: what's the deal with Tuna Fish?

There is albacore tuna and then there is just tuna. They are not the same...just open two cans side by side and you will SEE the difference. and yes in water. Also if you are concerned about sodium then look for low sodium or ultra low sodium. Generally in water you will find 180 mg sodium while low...
by soaring
Thu Apr 17, 2014 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 3313

Re: Over-55 communities a ripoff?

Question: Why would an over-55 'empty-nest' couple 'downsize' by selling their long-time and likely paid-off home, and buying into a new over-55 community? These heavily-marketed communities are no bargain, with 3-bedroom homes starting in the $300,000 range where I live (Philadelphia area). If the...
by soaring
Fri Mar 28, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3671

Re: How much water do you drink every day?

40 oz water daily. Doctor told me to increase my water intake and reduce coffee from two cups to one for better kidney function. After 4 weeks creatinine reading reduced from 1.44 to 128. He wants me to drink 64 oz daily but I can only get to 40 oz daily so far...still trying to increase. The water ...
by soaring
Fri Mar 28, 2014 8:09 am
Forum: Personal Consumer Issues
Topic: Lowes Install Services- anyone use them for a new bathroom?
Replies: 22
Views: 3218

Re: Lowes Install Services- anyone use them for a new bathro

I would not reuse the toilet unless it meets new lower water flow flush standards. lots of folks are against low flow and keep outdated 5 gal flush but if you research, read reviews, and get a quality product it will flush fine. We bought an upgraded Kohler one piece 1.5 gal flush 5 yrs ago and are ...
by soaring
Thu Mar 27, 2014 8:48 am
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 3444

Re: BBQ Road Trip

by soaring
Sat Mar 22, 2014 6:28 am
Forum: Personal Finance (Not Investing)
Topic: State Farm or Allstate
Replies: 26
Views: 2345

Re: State Farm or Allstate

The bad & good insurance companies:

http://www.badfaithinsurance.org/indexdetaillist.html

we are happy changing to USAA. In our area Amica was about 1/3 more expensive and chubb not available.
by soaring
Fri Mar 21, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 2536

Re: best way to buy jewelry?

I am a member of Costco (10+ yrs) and think they have great values BUT if you want a quality diamond you must study especially "cut" and that will NOT be at Costco. In fact most if not all Costco diamonds do not even mention "cut". I know you didn't specifically mention a diamond...
by soaring
Fri Mar 21, 2014 2:41 pm
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 2536

Re: best way to buy jewelry?

http://www.bluenile.com Blue Nile...I believe they are the largest on-line dealer...you can confirm. Bought wife replacement wedding ring after 40 yrs about 3 yrs ago. She lost it while hiking in the cold wx. Sent it back to change setting immediately. they paid postage both ways. Then after a few m...
by soaring
Sun Mar 16, 2014 5:59 am
Forum: Personal Consumer Issues
Topic: Buying new binoculars
Replies: 14
Views: 1321

Re: Buying new binoculars

We don't have a pair, but I did try out a pair of image-stabilized binoculars in a store once and was very impressed with them. It was a while ago and I'm sure things have only improved. The low end of the price range seems to start around $350. If I were planning to buy a new pair of binoculars I ...
by soaring
Sat Mar 15, 2014 12:29 pm
Forum: Personal Consumer Issues
Topic: List of Telemarketing Phone Numbers
Replies: 14
Views: 1192

Re: List of Telemarketing Phone Numbers

Not an answer to your question but I'm surprised so many complaints (other threads) about excessive robo calls even when on the do-not-call list. We have been on DNC list for 7 years with the same ph number and we only get 2-3 robo calls a month. I always answer and ask to be removed from their call...
by soaring
Fri Mar 14, 2014 3:01 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1789

Re: Edward Jones ignores do-not-call lists

This is only helping people who pick up any phone call. Cold calling does not work when people look at the phone callers ID first and do not pick up phone calls from people they do not know. I disagree with this view. My brother-in-law does exactly that...when we visit they keep calling back. Dozen...
by soaring
Fri Feb 28, 2014 5:14 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 69
Views: 9197

Re: Like button for this site?

Sidney wrote:I think this has been discussed multiple times and rejected.


It has and I'm against it. Never been on facebook and likes/dislikes are too subjective anyway. NO
by soaring
Mon Feb 24, 2014 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 4183

Re: How to Convert Someone That Doesn't Want to Be Converted

he readily admits that he doesn't want to worry about it - he wants to pay someone to take care of it. He gave you his answer. Accept it and get on with your life. I've had this happen with two relatives each with 7 figure investments. I tried, they understood and said no. Then I understood and dro...
by soaring
Sun Feb 23, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2479

Re: Back Up Computer Options

Also, not sure if mentioned by others, but learn how to retrieve the backed up data if you use software (as opposed to drag and drop). Then retrieve data periodically to be sure it is working correctly. Not everything just a document or two.
by soaring
Sun Feb 23, 2014 1:58 pm
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2479

Re: Back Up Computer Options

I only backup "my documents" and I do that on two different external hard drives and one usb stick. Always two different locations beside my computer hold current data. Of course that doesn't protect fire or theft but I'm comfortable with this.
by soaring
Sat Feb 22, 2014 7:57 am
Forum: Personal Consumer Issues
Topic: Carolina Vacation Recommendations
Replies: 16
Views: 1000

Re: Carolina Vacation Recommendations

April might be a bit cool for higher elevations in NC but here are a few choices.

Grove Park Inn - Asheville

Chetola Resort - Blowing Rock

Westglow resort - Blowing Rock

I would choose Grove park Inn because it is in Asheville with lots to do if you've never been there.
by soaring
Sat Feb 15, 2014 6:25 pm
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1847

Re: What are your favorite browser extensions?

Don't install AdBlock plus. Web sites rely on income generated from advertisements to stay alive. I now us AdBlock. But I thought one must click on an ad for any payment to be generated not just that the ad is visible. In any case I've never ever clicked on any ad...ever. I don't want junk advertis...
by soaring
Sat Feb 15, 2014 7:27 am
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 5068

Re: becoming a snowbird

One question though: what are "self-managed properties." Not familiar with that term. When the community is owned by the residents and they manage the property. Usually, not always, the interests of the board, which are always members of the community, want to control costs. While it is h...

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