Search found 561 matches

by Bob B
Thu Apr 28, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Alternatives to Consumer Cellular?
Replies: 7
Views: 505

Re: Alternatives to Consumer Cellular?

Tracfone. I have been a satisfied customer for many years, but I am not a heavy cell phone user (actually I have a telephone phobia.) Occasional phone call or text message. No web surfing. They don't offer the the latest phones if that is what you need. But, at $8.25/month I am more than happy. I bu...
by Bob B
Thu Apr 28, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: The All Seaon Portfolio by Tony Robbins
Replies: 11
Views: 2589

Re: The All Seaon Portfolio by Tony Robbins

Tony Robbins is an entertainer. Why anybody would consult him for financial advice is puzzling to me.
by Bob B
Thu Apr 28, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: White Noise/Soothing Sound Apps
Replies: 7
Views: 409

Re: White Noise/Soothing Sound Apps

I use one of these while sleeping... http://www.amazon.com/dp/B000KUHFGM/ref=wl_it_dp_o_pd_nS_ttl?_encoding=UTF8&colid=2VA38XSPDCZSD&coliid=I2E96X00BAM777&psc=1 Can't sleep without it. In addition to blocking out sleep disturbing noises, I also have tinnitus and it helps drown out the ri...
by Bob B
Tue Apr 26, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2148

Re: CVT car transmissions

My 2014 Corolla has 25,000 miles on it. No CVT problems. It is a sealed system and requires no maintenance like fluid changes. It just does its job in the background.
by Bob B
Fri Apr 22, 2016 7:20 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 4634

Re: Rick Ferri to start robo advisor business

patriciamgr2 wrote:OP: Is an edit of the title in order?


To what? "Rick Ferri tried to start robo advisor business"?
by Bob B
Wed Apr 20, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 4634

Rick Ferri to start robo advisor business

For those wondering about Rick, a quick Google search turned up this about Rick starting a robo advisor business...It is dated about a year ago.

http://www.etf.com/sections/features-and-news/rick-ferri-launching-robo-advisory?nopaging=1
by Bob B
Tue Apr 19, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: New grad [housing options in] moorestown, nj area
Replies: 13
Views: 932

Re: New grad moorestown, nj area

I worked for 19 years in Moorestown, NJ in an engineering position, but lived in middle Bucks County, PA. Commute was horrible, but job was worth it until we got bought by a mega corp. I decided to retire when they shut us down. Moorestown is an affluent area, so housing may be expensive. But, as ot...
by Bob B
Fri Apr 15, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Air conditioning tech during inspection period
Replies: 6
Views: 798

Re: Air conditioning tech during inspection period

My central air outside unit (Lennox brand) has always lasted 15+ years (Pennsylvania - used late April/early May thru early September). I say 15+ because I never kept one until it died. I always replaced them after about 15 years to take advantage of efficiency improvements and not wanting to have i...
by Bob B
Fri Apr 15, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5143

Re: The Lawn vs. The Homeowner (guess who's winning)

czeckers wrote:There was a guy on PBS in Pittsburgh who had a gardening show that would come up with recipes like that. It was amusing to watch. I wish I could remember his name.


You Bet Your Garden with Mike McGrath? (He has a radio show on PBS. Not sure if he ever did TV.)
by Bob B
Thu Apr 14, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5143

Re: The Lawn vs. The Homeowner (guess who's winning)

...We have to keep our lawn within certain shades of green due to our HOA, so the sprinklers were not just a splurge for us... Wow! How do they objectively measure that? Does somebody come out with various color cards for comparison or is it just a brown vs. green assessment. Sounds like your HOA m...
by Bob B
Thu Apr 14, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

I once needed to claim short term disability to recover from an injury. The process was exceptionally difficult and made more so by being injured and under heavy narcotics. The experience has given me severe doubts about my ability to successfully use any insurance policy that requires me to fill o...
by Bob B
Thu Apr 14, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

I looked at this at one time and decided not to because the disability covers 1. If you can't work in the same type of job again. 2. SS will deduct the money you get from the insurance company 3. You see the disability approved doctor. Has this been other people's experience? 1. Policies can be pur...
by Bob B
Thu Apr 14, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5143

Re: The Lawn vs. The Homeowner (guess who's winning)

Have you heard of the design methodology called "permaculture"? You could design your yard into a food-giving system that requires little maintenance over the long-haul and serves you. Here's a video that shows what your lawn could look like for you and how far you could take it. https://...
by Bob B
Thu Apr 14, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank statement for fraudulent fees
Replies: 6
Views: 823

Re: Check your HSA Bank statement for fraudulent fees

The real lesson here is that one should always be diligent with checking their investment, savings, credit card, etc statements. Mistakes or misunderstandings are always a possibility. Should be common sense.
by Bob B
Thu Apr 14, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: e-Books/e-Magazines
Replies: 16
Views: 905

Re: e-Books/e-Magazines

I too purchase my e-books from Amazon (books, not magazines. I still prefer print for my magazines because of the graphics.) I have noticed e-book prices are increasing, but most are still far less expensive than print books, especially hardcover volumes. And I actually prefer reading on my Kindle t...
by Bob B
Thu Apr 14, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

I once needed to claim short term disability to recover from an injury. The process was exceptionally difficult and made more so by being injured and under heavy narcotics. The experience has given me severe doubts about my ability to successfully use any insurance policy that requires me to fill o...
by Bob B
Thu Apr 14, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

Nobody can foretell the future so I can only give you my experience to help you with your decision about buying disability insurance. I became disabled at 62 due to a progressive disease that started when I was 45. I toughed it out until I couldn't. With my personal disability policy now paying me I...
by Bob B
Thu Apr 14, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Reading Devices
Replies: 43
Views: 2191

Re: Reading Devices

...message snipped... But, the lack of physical buttons to turn pages turned me off (pun intended), so I held off until I had the chance to try it at a Best Buy or some other B&M store. Now they've the new Oasis coming out with buttons. Back to the drawing board for me. I hear people say this, ...
by Bob B
Thu Apr 07, 2016 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion Calculator
Replies: 11
Views: 934

Re: Roth IRA Conversion Calculator

Look at the explanation behind the question mark icon next to "Your Refund" and all will be explained. As the others have said, a negative refund means you owe that amount.
by Bob B
Mon Apr 04, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Retired Spouse Roth IRA Contribution
Replies: 1
Views: 144

Retired Spouse Roth IRA Contribution

Mr. Spouse is 63, retired and receiving Social Security and private (non-taxed) disabilty payments. No earned income. Mrs. Spouse is 60, works part-time and earns $14,000/year. She makes her annual $6,500 Roth IRA contribution. Can Mr. Spouse also make a $6,500 contribution to his Roth IRA based on ...
by Bob B
Thu Mar 24, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: End of Life: Whole Body Donation and Direct Cremation?
Replies: 31
Views: 2593

Re: End of Life: Whole Body Donation and Direct Cremation?

Leeraar wrote:
...First, I am nowhere near death...


I am interested in how you know this? Just curious.
by Bob B
Thu Mar 24, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Computer help request
Replies: 12
Views: 1221

Re: Computer help request

cpumechanic wrote:Sorry I couldn't resist

Try this:

[Link removed, see below. --admin LadyGeek]

CPU :beer


His third sentence says he can't access the Internet, so how does this help?
by Bob B
Tue Mar 22, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Free Social Security Book From Jim Lange
Replies: 13
Views: 2866

Re: Free Social Security Book From Jim Lange

By the way you don't have to sign up for any newsletter. I just followed the link above and entered my email and a download link was sent to me for the SS book. Dave You signed up for the newsletters when you clicked on the link to receive the book in the email you got confirming your email address...
by Bob B
Tue Mar 15, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 36
Views: 2808

Re: Duct cleaning

For the condensate line, whenever we change the air filters, we also pour some white vinegar down the condensate line. Two different HVAC techs recommended this to us. We were told it helps to prevent mold and other buildup. Also,if you have a condensate pump, remove the reservoir after each coolin...
by Bob B
Fri Feb 26, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3029

Re: Meineke ok for oil changes?

I have a few cars and my mechanic now charges ~$60 for an oil change and tire rotation. Meineke often offers oil changes for $20-$25. What do they typically charge for tire rotations and does anyone take their vehicles to them? If you have a newer car that uses synthetic oil, $60 is the normal cost...
by Bob B
Fri Feb 26, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Time To Quit My Job?
Replies: 53
Views: 4701

Re: Time To Quit My Job?

I am having trouble understanding your question. Please clarify - you can work 30 minutes per day and earn $500K/year and you want to know if this should be your only job? And you are concerned with paying for health insurance (for maybe two years until your wife graduates when she will likely pick ...
by Bob B
Thu Feb 25, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: 32GB thumb drives
Replies: 23
Views: 3054

Re: 32GB thumb drives

Lexar has been very reliable for me. I use mine often without problem.
by Bob B
Fri Feb 19, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 5169

Re: Leave Thermostat Alone or Adjust It?

A comfortable room temperature is such a personal thing, I don't see what any of these recommendations mean. YOU should set YOUR thermostat to what is comfortable for YOU (and your family.) It will be determined by: Age Disease (various diseases can make one heat and/or cold sensitive. I know this f...
by Bob B
Tue Feb 09, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Fender bender on pretty new Civic
Replies: 27
Views: 1842

Re: Fender bender on pretty new Civic

... What I'd do is this: If your wife feels it is clearly not your wife's fault, have her call the other driver's insurance company and open a claim. They will then investigate and make a determination of fault, and let you know if you they take responsibility for the accident or not based on the c...
by Bob B
Fri Feb 05, 2016 4:45 pm
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 104
Views: 10438

Re: "Picking Individual Stocks is a Loser's Game"

I am wondering how much of the "Loser's Game" applies to stock dividend investing. Since it is easy to research a company's dividend paying history, is that really a loser's game?
by Bob B
Fri Feb 05, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3906

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Huh. My in-law was wrong then. She was unsuccessful applying for SSDI (bad back) for 15 years until she finally hired an SSDI/SSI specific case lawyer who won her case within a year from then. She says he(lawyer) will receive a cut of the award for the life of the claim, just like SWIF attorneys re...
by Bob B
Fri Feb 05, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3906

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Careful there ! SSDI, SSI lawyers will take a chunk of that award out of you for the life of the claim,.. So wait until a decision comes down regards your claim before doing the preceding. Or consult with an upfront fee only lawyer maybe. Consider paying off the loans and cut spending by 20%-30% if...
by Bob B
Thu Feb 04, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3906

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Speaking from experience, winning SSDI is easier the older you are. At 62, I was approved in 3 months with MS based on my initial application (no appeal necessary.). My best advice is to not go it alone. Find a nearby SSDI lawyer who can review your application before submitting it and who will repr...
by Bob B
Wed Feb 03, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6772

Re: What age did you retire

62. I agree completely with Taylor - "It is wonderful to wake-up in the morning and do whatever I want...". This is a good life.
by Bob B
Wed Jan 27, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 7739

Re: perfectly happy with cable

You are not alone. I have never found an alternative that included local professional sports teams. My cord cutting friends generally end up watching reruns of movies on Netflix. Not my thing. I pay $125/month for FiOS triple play. No extras like HBO, etc. Very convenient to have everything come thr...
by Bob B
Wed Jan 27, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Gmail Spam Explosion
Replies: 22
Views: 2292

Re: Gmail Spam Explosion

I get 25-30 per day in my Gmail spamfolder. And I have to look through it because the Gmail spam filter is pretty aggressive. It has learned that Vanguard emails are not spam, but that took some training with the "Not Spam" button. But I still have a few valid emails per week that end up ...
by Bob B
Tue Jan 26, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Co-owner of safe deposit box?
Replies: 13
Views: 1222

Re: Co-owner of safe deposit box?

Finally got a will and I am thinking of opening a safe deposit box at my local bank for the will and some other items. I'd feel more comfortable not keeping it in the house. One idea I had was to make a trusted friend a co-owner, so they would have access to the box in the event something happens t...
by Bob B
Fri Jan 22, 2016 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 5573

Re: Hope everyone is well [Preparing for Eastern US blizzard]

My goodness People. It's the middle of January in New England, the Middle Atlantic - it snows. Maybe because I grew up in Western New York in the snow belt, but winters in the east are pretty benign. I lived in the country, some roads were not plowed, in the spring people would sometimes find cars ...
by Bob B
Wed Jan 20, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Notice / Counter Offer Situation
Replies: 61
Views: 5288

Re: Insane Notice / Counter Offer Situation

I would be shocked if they let you stay three weeks given the circumstances. I would plan on enjoying some time off before you start your new job, although it will be unpaid unless you have vacation time they owe you. Unfortunately, you may never be able to use this company as a future reference. It...
by Bob B
Sun Jan 17, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: White-Rodgers Thermostats
Replies: 13
Views: 1099

Re: White-Rodgers Thermostats

As another funny, my wife decided I was such an "expert" on the thermostat batteries, we should clean the furnace filters today. Which we did. Does anyone have a clue why furnace filters are so hard to remove and insert? You need a ladder to get at them, a flashlight held by the wife to s...
by Bob B
Sun Jan 17, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: White-Rodgers Thermostats
Replies: 13
Views: 1099

Re: White-Rodgers Thermostats

Two very important lessons mentioned here:

1. Read the manual.
2. Set up a regular battery replacement schedule on your calendar for important battery operated devices like thermostats, smoke detectors, CO detectors, etc. The life you save may be your own.
by Bob B
Thu Jan 14, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: HSA 2015 Contribution
Replies: 7
Views: 731

Re: HSA 2015 Contribution

When my severance ended I moved my HSA to Alliant Credit Union because Bank of America was going to start charging me $4.50 per month if I left it there. Alliant has no fees whatsoever unless you invest in their lineup of mutual funds.
by Bob B
Thu Jan 14, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: HSA To IRA Question
Replies: 4
Views: 279

Re: HSA To IRA Question

As you're already retired and not wanting to save receipts, you might just consider your HSA as your retirement health account, going forward. HSA can be used for your Medicare A, B, D payments, even set up for auto-pay. Especially sweet if you're planning to delay SS 'til 70. And, of course, HSA f...
by Bob B
Thu Jan 14, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA To IRA Question
Replies: 4
Views: 279

HSA To IRA Question

During the last four years of my career (now retired) I built up a sizable HSA. I know the rules about saving receipts to enable future tax-free withdrawals, but I really don't want to keep and track years of receipts. Can I withdraw HSA money (assuming I have receipts to cover the amount) and place...
by Bob B
Mon Jan 04, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Recommend prepaid text and talk plans
Replies: 14
Views: 1214

Re: Recommend prepaid text and talk plans

I have been a happy Tracfone customer for many years. I buy the one-year card for $100 each year at renewal time. Works out to less than $9/month. Like you, I am not a heavy phone or text user.
by Bob B
Sun Jan 03, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Basement issues - how to pay
Replies: 22
Views: 2036

Re: Basement issues - how to pay

Regarding the Roth withdrawal, how old are you? If you are under 59.5, you will pay income tax and a 10% penalty on your withdrawal.
by Bob B
Sun Jan 03, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Giant Digital Picture Frame
Replies: 7
Views: 693

Re: Giant Digital Picture Frame

The problem I have with digital picture frames or a LCD TV is that once the viewer moves off axis, the quality of the photo suffers badly. I prefer printing my best work and displaying it in traditional picture frames hung at eye level on a wall. I frequently change out the photos.
by Bob B
Thu Dec 31, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 30
Views: 1985

Re: Health Insurance Question

Of course, every situation is different, but COBRA was less expensive for me than an equivalent Obamacare (Gold) plan by $200/month. I was surprised because I do qualify for some level of subsidy, but that is how it worked out. My COBRA will carry me to Medicare.
by Bob B
Thu Dec 17, 2015 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 32715

Re: Roll Call for the Retirement Class of 2015!

Of those that listed their age, Bogleheads seem pretty keen on early retirement. I think there may be a lesson there somewhere.
by Bob B
Tue Dec 15, 2015 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 32715

Re: Roll Call for the Retirement Class of 2015!

I gracefully exited on June 26 at 62 years of age. No tears.

Go to advanced search