Search found 583 matches
- Sat Aug 13, 2022 12:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Medicare drug benefits in the Inflation Reduction Act]
- Replies: 26
- Views: 2797
Re: New big bill and health costs
This thread will get shut down I predict. Good question, but answers will get into that political opinion area.
- Mon Aug 08, 2022 4:53 pm
- Forum: Personal Consumer Issues
- Topic: Peacock premium????
- Replies: 22
- Views: 2682
Re: Peacock premium????
We have it for cycling. Great coverage of the Tour De France and other events. But really that's all , NBC programming doesn't appeal to us.
- Sun Jul 31, 2022 5:46 pm
- Forum: Personal Investments
- Topic: Rolling an old 401k into another old 401k?
- Replies: 14
- Views: 1305
Re: Rolling an old 401k into another old 401k?
Hi all, I've got the following financial set-up right now: 1) Old 401(k) w/ great fees ($60/year) 2) Old 403(b) with mediocre fees (0.5%/year) 3) Current 401(k) w/ terrible fees (1+%/year) I would like to get my money out of the 403(b) and preferrably roll it into 401(k) #1. Is such a thing possible? I've never heard of anyone doing that and have tried to google a ton but haven't had any luck as results are all about either rolling a 401k into IRAs or rolling things into current 401k plans. You might wonder why not just roll things from my 403(b) into some IRAs, but I'm trying to avoid having a traditional IRA as I believe I will need to start doing backdoor Roth conversions next year since I will pass out of the Roth IRA phaseout limit. I...
- Sun Jul 31, 2022 1:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you use a password manager?
- Replies: 361
- Views: 34460
Re: Do you use a password manager?
I did not read the replies. We use Norton that comes with our virus protection.
- Fri Jul 29, 2022 9:09 am
- Forum: Personal Finance (Not Investing)
- Topic: Dental insurance worth it?
- Replies: 72
- Views: 8313
Re: Dental insurance worth it?
We have not had dental insurance for about 6 years. Our dentist gives us a 10% discount providing we pay cash.
- Mon Jul 25, 2022 12:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: True cost of Retiree Healthcare
- Replies: 35
- Views: 4092
- Sun Jul 17, 2022 8:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Junk Mail from Asset Management Firms
- Replies: 30
- Views: 2243
- Tue Jul 05, 2022 3:00 pm
- Forum: Personal Consumer Issues
- Topic: Summer Rain Jacket Recommendations
- Replies: 45
- Views: 4457
Outdoor Reasearch
They make great stuff, 20 % off sale. I have a few pieces of their gear including rain gear. They are primarily functional , not trendy.
https://www.outdoorresearch.com/us/
https://www.outdoorresearch.com/us/
- Sun Jul 03, 2022 6:19 pm
- Forum: Personal Consumer Issues
- Topic: Bloomington, IN visit
- Replies: 21
- Views: 1738
Nicks on Kirkwood
Long established IU sports bar. Gotta get a pint. I haven't been there in a few years but the "sink the biz" frys are supposed to be good.
- Mon Jun 27, 2022 6:49 pm
- Forum: Personal Investments
- Topic: Deciding the order of accounts to pull from in retirement
- Replies: 22
- Views: 5441
Re: Deciding the order of accounts to pull from in retirement
Many thanks all.
- Mon Jun 27, 2022 8:53 am
- Forum: Personal Consumer Issues
- Topic: People are FOMO flocking to Portugal
- Replies: 131
- Views: 26675
- Sun Jun 26, 2022 8:38 am
- Forum: Personal Investments
- Topic: Deciding the order of accounts to pull from in retirement
- Replies: 22
- Views: 5441
Re: Deciding the order of accounts to pull from in retirement
Thanks for the replies. To be honest I was hoping someone could direct me to the place in the "wiki" that discusses this or a past string.
- Sat Jun 25, 2022 8:36 pm
- Forum: Personal Investments
- Topic: Deciding the order of accounts to pull from in retirement
- Replies: 22
- Views: 5441
Deciding the order of accounts to pull from in retirement
I don't know the correct question to ask. I have spent a while looking around the site and using google search, but I need help. The area of my interest is "which accounts to draw down first". I was looking for specific discussions and also help in the wiki's. I have a friend who is asking and I wanted to send some links of appropriate information and discussions. Thanks in advance.
- Sun Jun 19, 2022 5:53 pm
- Forum: Personal Consumer Issues
- Topic: Irrigation system leak
- Replies: 8
- Views: 1063
Re: Irrigation system leak
That will cost about $5 at depot. Take the picture and ask for help. I just spent the last month repairing my landscape. At first glance it looks like the item is not screwed on "enough". If that is a plastic screw on cap, turn off the water to the irrigation, get some Teflon tape at hardware store, wrap it and rescrew it. Regardless what it is , it will be a simple repair.
- Fri Apr 01, 2022 4:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Car for vacation home
- Replies: 20
- Views: 4337
Re: Car for vacation home
We have an old 4 runner we keep at our 2nd home. We put it in "storage" when we are not there.
- Thu Feb 10, 2022 12:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Life Insurance for Estate Planning Purposes
- Replies: 26
- Views: 1482
Re: Life Insurance for Estate Planning Purposes
Just read a chapter in an estate planning book praising the use of life insurance (at pennies on the dollar) for paying future estate tax. Though the need right now is far lower than in the past, we may get back to a point soon where it will get more attention. That prompted me to search this forum on the subject and I spent the past hour reading about it, where I found among other things the following quote: "You can have $400k in your assets out of every $1mil go to the IRS in taxes... or you can pay about $70k-$90k (over your life span) to cover that $400k in estate taxes." My head is spinning and it hurts! Can someone please explain in simple terms how this actually works? I'm not talking about life insurance to replace incom...
- Tue Feb 08, 2022 12:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hard To Leave USAA
- Replies: 44
- Views: 4495
Re: Hard To Leave USAA
Hi, Just need a quick reality check. Have had USAA insurance for past 20 years - I am not a military service member, but my father-in-law was in the service many many years ago, which made us eligible. My policies have included a $5 mil umbrella policy, and feel "attached" to it. Service has overall been good in handling minor issues - one car accident all these years. But prices have risen relatively rapidly, especially for my house which goes up every year, and seem high to me. And now adding a new teen driver increases our premium by $2000 - $1500 for auto policy and $500 increase to umbrella. Questions: (1) Am I crazy not to shop around to other insurers like Geico and other companies I see people on this board use? Will ther...
- Sun Feb 06, 2022 9:05 am
- Forum: Personal Consumer Issues
- Topic: What watch do you wear on a daily basis, or are you wearing today?
- Replies: 382
- Views: 33443
- Fri Feb 04, 2022 12:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial steps upon parent's death: trustee duties & other tasks
- Replies: 65
- Views: 5523
Re: Financial steps upon parent's death: trustee duties & other tasks
1. You should not need to involve the trust lawyers unless you decide to transfer (leave) the assets into trusts for the three of you. Otherwise banks (and other asset holders in the trust) will just need to see the revocable trust agreement. I would have a consultation with the lawyer who created the trust. Often, it is free or part of the package of when s/he created a set of documents. There may be some state-specific things you need to do. For example, unless you have been a trustee for over a year and know for sure that there are no surprise bills or outstanding loans to her out there, you may need to publish a notice of death that gives a deadline for submitting claims. There is also a state-specific waiting period between certain st...
- Fri Feb 04, 2022 12:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial steps upon parent's death: trustee duties & other tasks
- Replies: 65
- Views: 5523
Re: Financial steps upon parent's death: trustee duties & other tasks
Hi all, My mother sadly passed away recently after a battle with ALS. I wanted to look to the forum for some guidance in terms of things to know and actions to take as I am the trustee of her revocable living trust and will be leading the way in managing all of her affairs. I think I have a pretty good handle on it as I'm the one who worked with the attorney to set everything up, but I wanted to make sure I'm not missing anything. I have been managing all of her financials for a few years now (with DPOA) so I have access to everything and an understanding of the complete picture thankfully. The estate value is a little under $900k. First of all, a note: our family is incredibly lucky as my two brothers and I (and all 3 spouses) get along V...
- Thu Jan 27, 2022 8:41 am
- Forum: Personal Investments
- Topic: Real Estate Investment vs Relationship Investment - Struggle with Spouse
- Replies: 54
- Views: 4223
Re: Real Estate Investment vs Relationship Investment - Struggle with Spouse
+1Silk McCue wrote: ↑Tue Jan 25, 2022 1:37 pm I’d let it go and make real peace with yourself about doing so. It doesn’t really matter who is right on this and everything has its season.
The rental rates absolutely need to be set to match the market. It would be foolish to do otherwise.
Cheers
- Fri Jan 21, 2022 11:30 am
- Forum: Personal Consumer Issues
- Topic: I hate my car. When will car prices and inventory normalize?
- Replies: 168
- Views: 21879
Re: I hate my car. When will car prices and inventory normalize?
I was talking to my Mercedes service guy recently. He said that corporate indicates they don't see the chip supply being solved until late 2022. They don't have cars to sell, they sold the 91 loaners and are using Toyota's as loaners (part of Penske group). They have had one car since early November and are unable to get parts. What used to take 4 days from Germany now takes weeks. They had a part on a ship on east coast, took 4 weeks to get it off loaded to shore and FedEx has had in a warehouse for 2 weeks, still hasn't been shipped (when I talked with him).
- Thu Jan 20, 2022 8:39 am
- Forum: Investing - Theory, News & General
- Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
- Replies: 1587
- Views: 211577
Re: Why the disdain for managed funds like ARKK that destroy total market funds?
I am bumping this because I haven't got my dose of daily disdain yet.
- Wed Jan 19, 2022 4:33 pm
- Forum: Personal Consumer Issues
- Topic: How does one "find" art?
- Replies: 34
- Views: 3004
Re: How does one "find" art?
looking to add some decor to my home and i've always been curious how folks find unique and/or original (read: not LIVE, LAUGH, LOVE) artwork to hang on the walls and such. how do you discover new artists that aren't (yet) charging an arm and a leg for a print or, even, an original? i'm familiar with many of the popular print/art websites out there. i've also heard going to art school websites and trying to find shows and such could be another method. are there any other ways to find neat art? It really matters what catches your eye. We have even bought art from our local restaurant that features local artists. Buy what you like. We have bought art while traveling: Paris, New Orleans, Santa Fe. We have bought local galleries (lucky to be n...
- Wed Jan 19, 2022 3:57 pm
- Forum: Personal Consumer Issues
- Topic: Package delivery location
- Replies: 34
- Views: 2473
Re: Package delivery location
UPS are the only ones who ring the doorbell at my house. I can't but help think that letting us know a package is there would reduce the number of stolen packages. I'm done, rant over.
- Tue Jan 04, 2022 4:32 pm
- Forum: Personal Consumer Issues
- Topic: bucket list ideas?
- Replies: 77
- Views: 7822
Re: bucket list ideas?
Did the AT back in 1977. Vote yes on this bucket item. Of course you have the CDT and PCT also.
A new years trip on the Great Ghan: https://journeybeyondrail.com.au/journeys/the-ghan/
New Zealand - anywhere there
- Tue Jan 04, 2022 3:01 pm
- Forum: Personal Consumer Issues
- Topic: What charities did you give to in 2021?
- Replies: 134
- Views: 8813
Re: What charities did you give to in 2021?
local food bank
- Tue Jan 04, 2022 9:06 am
- Forum: Personal Finance (Not Investing)
- Topic: Things to look for in Dental Insurance when retired
- Replies: 40
- Views: 4561
Re: Things to look for in Dental Insurance when retired
Same here. Retired seven years, no insurance. Pay as we go, Dentist gives us a 10% cash discount. I wouldn't waste my time or money on dental insurance.
- Mon Jan 03, 2022 1:18 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568589
- Mon Jan 03, 2022 10:39 am
- Forum: Personal Investments
- Topic: Need recommendations for FIRE focused financial advisor
- Replies: 14
- Views: 1537
Re: Need recommendations for FIRE focused financial advisor
That's us, Bogelheads.rookie07 wrote: ↑Sun Jan 02, 2022 1:52 pm I am looking for a remote financial advisor that is fee only, embraces index funds, and specializes in early retirement. I need help fine tuning our early retirement plan and then check in with them annually. We do not want someone to manage our investments, but instead help with asset allocation, account optimization, withdraw strategy etc. Thank you for your suggestions!
- Mon Jan 03, 2022 10:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Do I really need a relationship with a full service bank, even as my net worth grows?
- Replies: 118
- Views: 13782
Re: Do I really need a relationship with a full service bank, even as my net worth grows?
Safe deposit box. Medallion signature. Notary. I do online notary. What’s the reason for medallion signature? I haven’t needed that. I needed a Medallion signature this year. Settling my dad's estate and I had to sell stock shares (of course a Canadian company to complicate the transaction). Definition: A medallion signature guarantee is a certification stamp that lenders – such as banks and other financial institutions – provide to allow investors to transfer ownership of securities. It will generally be required by parties when the owner intends to transfer securities.The medallion signature guarantee protects shareholder accounts by limiting illegal transfers and potential losses by investors. However, the stamp is not required when a s...
- Mon Jan 03, 2022 10:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Do I really need a relationship with a full service bank, even as my net worth grows?
- Replies: 118
- Views: 13782
Re: Do I really need a relationship with a full service bank, even as my net worth grows?
When were settling my father's estate we need to open a trust account to conduct final business. This took about an hour with lots of documentation. I was glad I had a bank to work with.
- Fri Dec 31, 2021 1:00 pm
- Forum: Personal Consumer Issues
- Topic: Furnace just died - home warranty?
- Replies: 92
- Views: 8208
Re: Furnace just died - home warranty?
Definitely home warranty. We have used ours a lot in the past year (bought new home in January). Maybe it is not covered, but they will be able to get someone reputable quickly. Regardless they can assess the problem. Then you have choices.
- Thu Dec 30, 2021 12:28 pm
- Forum: Personal Consumer Issues
- Topic: Yubikey cons?
- Replies: 54
- Views: 4614
Re: Yubikey cons?
And don't forget the security pin for your keys (my dilemma at the moment).gtd98765 wrote: ↑Wed Dec 29, 2021 5:48 pm Not really a con, more a prudential step. You should always get two Yubikeys and register them both with any websites you use, a main and a spare. Then keep the spare in a safe place like a safe deposit box in case you lose the main one.
If you lose then only Yubikey you have you will have to contact the websites you have used it for and ask what to do to set up a new one.
- Thu Dec 30, 2021 11:04 am
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 5250
- Views: 906614
- Wed Dec 29, 2021 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Men's Exercise Shorts
- Replies: 30
- Views: 3927
Re: Men's Exercise Shorts
I have been wearing these since forever. Had to throw out shorts that were in perfect condition (after 15 years of wearing) because the elastic in the waist died. I only buy directly from New Balance since there are so many stories about fake items. I have 3 of these on the way funny as it seems.
https://www.newbalance.com/pd/accelerat ... 93187.html
https://www.newbalance.com/pd/accelerat ... 93187.html
- Tue Dec 28, 2021 1:22 pm
- Forum: Investing - Theory, News & General
- Topic: Stock trading platforms
- Replies: 5
- Views: 435
Stock trading platforms
What trading platforms to you prefer to use or not use. TIA.
- Mon Dec 27, 2021 8:36 am
- Forum: Personal Consumer Issues
- Topic: Sugar Substitutes
- Replies: 28
- Views: 2740
Re: Sugar Substitutes
You may find this interesting (or not):
https://nutritionfacts.org/video/flashb ... icrobiome/
https://nutritionfacts.org/video/flashb ... icrobiome/
- Tue Dec 21, 2021 5:05 pm
- Forum: Investing - Theory, News & General
- Topic: Never saw myself buying gold ...
- Replies: 302
- Views: 35187
Re: Never saw myself buying gold ...
The bearish responses to this thread reassure me that we are still very early in the cycle for precious metals and maybe cryptos. Currencies and stores of value serve a human need. Their viability depends on the viability of the shared belief in them, just like cash or any investment except something you can consume yourself. The responses on this forum probably are not a good guide to the responses of general public Agree, the general public are extremely bullish on crypto. Just read any Twitter/Facebook/forum General public is extremely bullish on crypto as a get-rich-quick-scheme. In a casino economy with tremendous income disparity where labor is devalued, the general public tries to imitate the rich. We aren't able to mention the &quo...
- Tue Dec 14, 2021 12:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguards step Verification
- Replies: 7
- Views: 826
Re: Vanguards step Verification
A secondary verification is still not a bad idea. The phone is not foolproof, but a step that I would encourage.bdoran wrote: ↑Tue Dec 14, 2021 12:02 pm Has Vanguard changed the 2 step verification system. My wife, myself and sometimes my son use my PC to check balances etc. In the past all was well after initially checking this is a safe computer. Now it seems every other time or so each of us must re verify to get in to get a code on our phones. Is this the new normal or perhaps I am doing something wrong. Any insight appreciated.
- Mon Nov 29, 2021 9:31 am
- Forum: Personal Consumer Issues
- Topic: Gore-tex 3L ski jacket--is shell sufficiently warm?
- Replies: 26
- Views: 3773
Re: Gore-tex 3L ski jacket--is shell sufficiently warm?
These guys are good: https://www.outdoorresearch.com/us/
You can get an idea of what is out there and what is needed.
You can get an idea of what is out there and what is needed.
- Wed Nov 24, 2021 1:23 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Flagship Services Personal Representative
- Replies: 104
- Views: 11834
Re: Vanguard Flagship Services Personal Representative
I didn't read the entire string, I get tired of the endless Vanguard bashing posts:Grrrammm wrote: ↑Tue Nov 23, 2021 7:41 pm According to this page: https://investor.vanguard.com/investing ... s/flagship
Investors with over $1 million should "get personalized services reserved for our high-net-worth investors". My elderly father is complaining that he used to have a representative he could speak with every time he called Vanguard, but he has since lost touch with this person. What services can a Flagship investor expect without paying for Vanguard Advisor Services?
https://investor.vanguard.com/investing ... s/flagship
- Tue Nov 23, 2021 1:31 pm
- Forum: Personal Consumer Issues
- Topic: Water leak from the neighbor above in a condo
- Replies: 22
- Views: 3777
Re: Water leak from the neighbor above in a condo
We just lived this issue. Call the HOA ASAP and get it formalized. Our unit is in Oregon and it was determined that the leak was from inside the walls between units. 3rd floor leak to first floor. The HOA was responsible for the damage inside the walls. We were responsible for the damage to our unit that was not in the walls. ( floor, kitchen cabinets and so forth). Remediation took 9 months. Our cost was about 15K which was covered by insurance.
- Tue Nov 23, 2021 1:13 pm
- Forum: Personal Investments
- Topic: Brokerage - trading stocks
- Replies: 4
- Views: 485
Brokerage - trading stocks
Where do people recommend to trade stocks? I have access to Vanguard brokerage now. I intend to do a low volume level trading, some shorts, no options. On the surface, it sounds like Vanguard should meet my needs. I have used other platforms in the past, so pretty familiar with Schwab and E Trade. Not new to this, but am interested in opinions. TIA.
Oh and from a Bogelhead perspective, these are not retirement funds. We are 60/40 (99% success)and won't touch those funds. This is money from real estate that we are transitioning into my "mad money".
Oh and from a Bogelhead perspective, these are not retirement funds. We are 60/40 (99% success)and won't touch those funds. This is money from real estate that we are transitioning into my "mad money".
- Tue Nov 23, 2021 1:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: What should I be saving for?
- Replies: 31
- Views: 4541
Re: What should I be saving for?
Hi! My goal was to save up $10k as an emergency fund and I just met that goal last month! But now, I am not sure what I should be saving for. I put $500/month in my Roth IRA and max that out. I'm a student on a stipend so I have no 401k or other type of retirement option. But I still have another $500 per month that I could be saving towards...something. But I am not sure what the goal or purpose would/should be at this point. I do have a car loan with about $10k left to pay off. My interest rate is 2.9% and my monthly payment is 175. I don't really want to dump all my money into this loan, but maybe I should? I'm curious to hear what others think. I'm single, 25 and living in a very low cost of living area if it helps. Rent (with a roomma...
- Wed Oct 27, 2021 10:00 am
- Forum: Personal Consumer Issues
- Topic: Vacation – Turn off water main?
- Replies: 112
- Views: 9706
Re: Vacation – Turn off water main?
Man, I admit, I'm not the target audience here. two little kids at home and one on the way means we don't travel much (read: at all). But, what kind of 'vacations' are y'all talking about? is this "snowbird-ing in Cabo for 4 months" so killing the water is part of some prophylactic checklist prior to departure or is this a "weekend trip to Muncie" so I better kill the water? because if it's the latter, I'm thanking my lucky stars we've never had an issue with this! In my Insurance companies 2020 yearly report they said they had there most expensive water claim ever (9 million). it was a 3 level townhouse, and it was caused by a plastic connection to the back of the toilet. If I recall correctly, 60% of their claims are ...
- Tue Sep 28, 2021 2:02 pm
- Forum: Personal Consumer Issues
- Topic: Best place to be a Snowbird if money is no object
- Replies: 129
- Views: 16150
Re: Best place to be a Snowbird if money is no object
We are Phoenix and Bend Oregon.
- Wed Sep 22, 2021 10:35 am
- Forum: Personal Consumer Issues
- Topic: RV Values: Class A vs Class B
- Replies: 35
- Views: 3335
Re: RV Values: Class A vs Class B
Biggest factor in price of Class B, from our perspective, it is a useful everyday vehicle in addition to being a self-contained living space. Our Class B fits in standard parking spaces, and maneuvers as well as the full-size van it is mounted on. We exercise it with grocery shopping, using the refrigerator and freezer to keep purchased items cold. It is also very handy to have a clean, private restroom facility with us wherever we go. Running a Class B regularly keeps it fully maintained, and always ready for use. Agree. We have a class B and we can go just about anywhere because of it's size. I think the key issue comes down to what you want. If you prize space then you have your answer. We only have 2 of us so the class B works for us. ...
- Sun Sep 05, 2021 2:25 pm
- Forum: Personal Consumer Issues
- Topic: Yubikey? Collective wisdom sought.
- Replies: 49
- Views: 6537
Re: Yubikey? Collective wisdom sought.
I’m. Wry interested in this thread, but find it too technical to follow. Can anyone post a link to an introductory site on how to approach this for macs and iPhones? Thanks!!!! This is a response from another thread: Re: Yubikey only at Vanguard now possible. Post by MarkBarb » Thu May 27, 2021 1:42 pm grok87 wrote: ↑Thu May 27, 2021 7:44 am pragmatist wrote: ↑Thu May 27, 2021 7:38 am Hello everyone, Today I was able to disable security codes via SMS/Phone call while continuing to use the enrolled Yubikey security keys. It appears they listened to us. You can disable security codes by going to my accounts -> profile & settings -> security code and disabling there. Enjoy the increased security! pragmatist thanks pragmatist. perhaps you ...
- Fri Sep 03, 2021 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Yubikey? Collective wisdom sought.
- Replies: 49
- Views: 6537
Re: Yubikey? Collective wisdom sought.
I have been reading this string and the Yubi site. We have 2 dell computers and 2 iphones. What is the best combination of Yubikeys for us? Would it be to just get 2 "YubiKey 5Ci FIPS - Dual connector capabilities supporting USB-C and Lightning"?