Search found 655 matches

by Bob B
Thu Feb 16, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Upgraded Vanguard Brokerage Account
Replies: 5
Views: 516

Upgraded Vanguard Brokerage Account

I am being hounded via email by Vanguard and my Flagship rep to upgrade my brokerage account to a "simplified account structure". I did not initiate this, but some of the emails seem to imply I asked for this. I don't really understand what the new structure is about and I am hesitant to d...
by Bob B
Mon Feb 06, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Don't go to the ER shortly before midnight
Replies: 6
Views: 1711

Re: Don't go to the ER shortly before midnight

Please tell us how one schedules an emergency?
by Bob B
Mon Feb 06, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Acquaintance and Social Security Disability
Replies: 8
Views: 812

Re: Acquaintance and Social Security Disability

She needs to contact a local lawyer who just does SS disability. They will know if you have a case. No charge for a consultation. The only fee they can charge is a portion of the retroactive amount - nothing else. That is the law. Here is some information: http://www.disabilitysecrets.com/question16...
by Bob B
Mon Feb 06, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 11
Views: 1182

RMD Question

I will be 70 in March, 2023. Is my first RMD due December 31, 2023 or 2024? (Ignore the fact that the first year RMD can be delayed until April.)

What is the advantage, if any, to waiting until April of the following year for the first RMD?

Thank you.
by Bob B
Tue Jan 31, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2547

Re: Fire extinguishers

I see many people in this thread locating their extinguisher near where they think they may need it (kitchen, next to fireplace, etc.) Bad idea. You want to locate the extinguisher NEAR, not AT, the potential point of use. I keep one inside the basement door which is fairly central to the rest of th...
by Bob B
Wed Jan 25, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 33
Views: 3661

Re: best way to buy TaxAct

Apparently there was no cheap early offer this year. :x Yes there was - Black Friday sale for $28 (2016 Plus Edition with State return, download version.) I missed the date, but I emailed them on Dec. 1 and they honored the $28 price for me. In spite of all of the TaxAct nastyness here, I was a hap...
by Bob B
Sat Jan 21, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22772

Re: How much is your cell phone bill?

Phones are kinda like insurance plans in many ways. If you've ever stood in an ER or along the roadside frantically trying to call family/friends or doctors etc or access the Internet to look up X,Y or Z in an emergency, a 'cheap' plan isn't what you want that's for sure. In this regard, having som...
by Bob B
Sun Jan 15, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3528

Re: How High is Your TV?

A 10 second Google search produced this article. Read it and your question will be answered.
https://www.cnet.com/news/how-high-should-i-put-my-tv-morrisons-mailbag/
by Bob B
Fri Jan 06, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22772

Re: How much is your cell phone bill?

ny_knicks wrote:It has largely replaced my use of a computer (outside of school/work)


This part I don't understand either. I will never replace my 25" monitor with a 4" or 5" screen. Just me.
by Bob B
Fri Jan 06, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22772

Re: How much is your cell phone bill?

Caduceus wrote:Wow, I had no idea so many people were paying so much for cellphone plans every month.


I too find it shocking how much people pay for a cell phone. But, I am not a phone person so maybe I just don't understand the appeal. :happy
by Bob B
Thu Jan 05, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22772

Re: How much is your cell phone bill?

Carrier: Tracfone
Number of Lines: 1
Unlimited text msgs: Yes
4G Data?: No idea, I rarely use data. Just phone calls and text.
Monthly Cost (including taxes): $8.34 (I buy a 1-year card for $100)
by Bob B
Thu Jan 05, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1453

Re: selling property without real estate agent

Just pay a real estate lawyer a couple of hundred dollars and they will take care of everything. Do not get involved with a RE agent. That is what I did when I sold my mother's condo as her executor. I already had a buyer (another resident's son) and just needed somebody to do the paperwork and look...
by Bob B
Fri Dec 30, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I pay my doctor early to get a medical expense tax deduction for 2016?
Replies: 12
Views: 660

Re: Can I pay my doctor early to get a medical expense tax deduction for 2016?

You are overthinking this. Just write the check with a date of 12/31/16 and you are done. Don't pay for certified mail or worry about anything else. When the bill comes in, put the check in an envelope at that time and mail it. You note of explanation and copy of EOB will likely just confuse the sta...
by Bob B
Fri Dec 23, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: CareCredit for medical expenses?
Replies: 6
Views: 595

Re: CareCredit for medical expenses?

I have used CareCredit for two procedures. No problems. They send a monthly bill like any credit card company does. Each bill defines your interest free period for each charge for reference. Just be careful of the minimum monthly payment due amount they show you on the statement. It may not be enoug...
by Bob B
Fri Dec 09, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: What if you just *stop* paying your health ins. premiums?
Replies: 10
Views: 1371

Re: What if you just *stop* paying your health ins. premiums?

Since you did not notify them to cancel your policy, will your present insurance company add 'non payment of premium' or 'premium payment default' or similar wording into your record which may be available to another insurance company you apply to? That may affect the premium you are offered or, at ...
by Bob B
Fri Dec 09, 2016 1:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: How do I write John Bogle a letter?
Replies: 12
Views: 2514

Re: How do I write John Bogle a letter?

F150HD wrote:well, since it will start with "Dear John" it'll sound like you're breaking up with him. :shock:


He prefers Jack to John, so that would solve that problem. :D

Out of respect however, I would title the letter 'Dear Mr. Bogle'
by Bob B
Wed Nov 30, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7215

Re: FIRE how do you live now

Now that most of us are retired (money not an object)... Just curious, how did you come up with this statement (assumption) and can you cite references? I just interpreted this as being directed towards those who were FIRE, which by definition meant that they were retired or met their goals. (See s...
by Bob B
Wed Nov 30, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7215

Re: FIRE how do you live now

mule wrote:Now that most of us are retired (money not an object)...


Just curious, how did you come up with this statement (assumption) and can you cite references?
by Bob B
Wed Nov 30, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Miami- be very careful buying RE here
Replies: 25
Views: 3024

Re: Miami- be very careful buying RE here

My philosophy is to buy on high ground away from oceans, streams, rivers, etc. I live at the top (highest elevation) of my street (~380 feet above sea level; SE Pennsylvania.) In 34+ years I have never had a flooded yard or a drop of water in my basement, knock on wood. At the bottom of the street, ...
by Bob B
Mon Nov 21, 2016 9:41 pm
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2734

Re: Thanks BH for a non-political oasis

Agreed. The moderators have done a great job keeping politics out of this forum. Thank you!! Now, if we could just keep out the really non-financial posts in the Personal Consumer Issues forum. I don't understand why that forum exists here because it is probably too much for the moderators to track....
by Bob B
Mon Nov 21, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 121
Views: 12641

Re: TaxAct pre-purchase discount

Any concerns about 'online' tax services? They'd have a lot of information online that would be a prime target for hackers. I would say so. I am not about to put that information into their cloud. How good is their security? How good is their encryption? How well is it protected from employee's pry...
by Bob B
Wed Nov 16, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Snail Mail Address / IRS / SS question
Replies: 8
Views: 819

Re: Snail Mail Address / IRS / SS question

I don't know for sure, but I doubt the IRS will notify SS of an address change. Communications between government agencies is not their strong suit. :D

Why don't you just call your local SS office and ask them how you can effect an address change since you do not want to do it online?
by Bob B
Thu Nov 10, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1383

Re: Home shopping, Potential roof leaking despite new roof

The Realtor's response is the typical one used to move the sale along. No warranty will stop a leak and you will still be the one stuck with the hassle of remediation. Take him or her out of your decision. If you really like the house, you need to find out if the leak is active. If it is and nobody ...
by Bob B
Fri Nov 04, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Workmans comp and short term disability
Replies: 3
Views: 563

Re: Workmans comp and short term disability

TonyDee,

You really are in the wrong place to ask your question. You need legal advice, not assumptions and opinions from posters here or elsewhere.
by Bob B
Wed Nov 02, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: More Honda Accord airbag trouble
Replies: 8
Views: 1343

Re: More Honda Accord airbag trouble

...- involving danger of the bag activating when it wasn't supposed to, and spraying the sharp objects all over the driver. Are you sure about "the bag activating when it wasn't supposed to" comment? I don't recall ever hearing that in relation to the original recall. The recall notice fo...
by Bob B
Sat Oct 22, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3177

Re: Replacement Windshield Wiper Blades

I found Trico and Anco to be wasteful because they would last 6 months at best. For years now I have bought replacement blade inserts from Toyota and Honda and am very happy with them. They cost only a few bucks more than what other blades sell for, but they last at least 12 months or more. So, the ...
by Bob B
Thu Oct 20, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Electric Dryer - Wiring
Replies: 9
Views: 1061

Re: Electric Dryer - Wiring

Kosmo is correct. Doesn't matter for a heating element in a dryer.

But, do yourself a favor next time and always label wires when you disconnect them. :wink:
by Bob B
Thu Oct 20, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: [WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]
Replies: 35
Views: 2869

Re: WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing

I wonder what Mr. Edmundson's salary is since he does nothing all day? How big of a staff does that take?
by Bob B
Mon Oct 10, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 3158

Re: packaged food expired best buy dates

squirm wrote:Just went through pantry items. We throw out packaged foods if it's a year past their dates. Sound reasonable? What do you guys do?


One year seems reasonable. Expiration dates are probably conservative so as to get you to buy more.
by Bob B
Mon Oct 10, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 3158

Re: packaged food expired best buy dates

jabberwockOG wrote:Best to donate to local food pantry or other charity.


Not if it is a year past it's use date. Pantry's don't want the liability or reputation of passing out old food.
by Bob B
Mon Oct 10, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 3098

Re: Do we need annual furnace exam?

Check your warranty coverage. Some manufacturers have a short basic warranty, but you can increase that coverage to 10 years or more if you have annual inspection and maintenance done (and keep the paperwork to document the work.) That is how my Lennox heating and A/C system is.
by Bob B
Sun Oct 09, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3982

Re: Camera recommendations- Not SLR

The point and shoot camera market is dying. Many manufacturers are pulling out. Cell phone cameras like the iPhone 7 Plus and Google Pixel can (in the right hands) produce a photo as good as if not better than a point and shoot. The new market will be cell phone cameras for the casual shooter and dS...
by Bob B
Sun Oct 09, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3982

Re: Camera recommendations- Not SLR

AAA wrote:But how do you know how much of the photo was due to the camera vs. the photographer?


The camera does not make the photograph, the photographer does. The best camera in the wrong hands will make a poor photo. An average camera in the right hands can make a great photo.
by Bob B
Wed Oct 05, 2016 4:14 pm
Forum: Forum Issues and Administration
Topic: weather watch [Hurricane Matthew, potential site impact]
Replies: 27
Views: 3074

Re: weather watch

Is there any way to put storm shutters or similar protection on those mid rise condos all over Miami and other areas to protect the windows and interiors during one of these storms? Of course there is. Many shore buildings, single home or mid/high rises, I see have storm/hurricane shutters. Of cour...
by Bob B
Fri Sep 30, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 28
Views: 1896

Re: Chimney Help, Please

As a former firefighter I implore you not to just live with it. I have fought many devastating chimney fires. Since you are interested only in "weekend ambiance', have you considered installing a gas insert if you have natural gas or propane available? It would be considerably less expensive th...
by Bob B
Wed Sep 28, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: I should probably have life insurance, right?
Replies: 19
Views: 1597

Re: I should probably have life insurance, right?

Before you think about life insurance, do you have disability insurance? I did not see any mention of it in your OP. You are much more likely to suffer a disability than die at your age. You should have both - disability and life insurance with a young family.
by Bob B
Fri Sep 23, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Minor fender bump question
Replies: 17
Views: 1547

Re: Minor fender bump question

Thanks for the replies everyone. After further research, in the state I live fault for property damage can have split blame as was mentioned earlier. So I will call the other party back tomorrow and if they wish to pursue the insurance route I will also request their insurance information so the ad...
by Bob B
Tue Sep 20, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategy
Replies: 4
Views: 885

Re: Social Security Strategy

I am 65 and am currently receiving Social Security disability benefits. My wife is 61. If upon attaining 66 years of age, maybe I suspend my SS disability payments and at the same time, as my wife turns 62, may she start collecting SS based upon her earnings record. Then, when I turn 70, as I once ...
by Bob B
Tue Sep 13, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: News About Medicare Supplement Changes
Replies: 19
Views: 1703

Re: News About Medicare Supplement Changes

As far as a book recommendation, I thought Medicare for Dummies was pretty good. Thank you for the lead, but buying this book seems to be as confusing as Medicare itself. This note is from Amazon's listing: "Medicare For Dummies, 2nd Edition (9781119079422) is now being published as Medicare F...
by Bob B
Tue Sep 13, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a home without a realtor
Replies: 29
Views: 2875

Re: Selling a home without a realtor

My advice to you is to spend a few hundred dollars and have a real estate lawyer by your side. You have a lot of questions and you need protection from making an expensive mistake. There is too much money at stake here to not have knowledgeable representation. A lawyer will cost far less than the re...
by Bob B
Tue Sep 13, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: News About Medicare Supplement Changes
Replies: 19
Views: 1703

Re: News About Medicare Supplement Changes

It never ceases to amaze me how convoluted our Medicare system is, especially given the fact that it is for a class of people who may have reduced cognitive ability. With that in mind, what would be the best written resource for somebody close to Medicare age (let's say <2 yrs.) that will summarize ...
by Bob B
Mon Sep 12, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: HD TV antenna replacement
Replies: 13
Views: 1661

Re: HD TV antenna replacement

Just be aware that there is no such thing as a HD antenna. It is a marketing concept. You can pull in beautiful broadcasts with a coat hanger if you are close enough to the towers. Here are a few articles for reference and education: http://www.dennysantennaservice.com/1373792.html http://www.dennys...
by Bob B
Sat Sep 10, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 6419

Re: "Letter of Final Instructions"

Taylor, Are you at all concerned about having all of this information neatly arranged in one binder in the event of a burglary or fire at your home? That is the biggest issue I have not yet solved - how to help our surrogates or survivors while keeping the information safe and secure. Our two childr...
by Bob B
Sat Sep 10, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 5732

Re: Just answered telephone political poll. Now concerned.

Well, they addressed me by my name. If they know my name and phone number, then they also know my address. At the end of the poll, they asked for my birth year. Now they know my political affiliation. I've always registered independent and never wanted my partisan affiliations known. I'm kind of ki...
by Bob B
Fri Sep 09, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: new iPhone contract structure
Replies: 8
Views: 1250

Re: new iPhone contract structure

Hulk wrote:...It is about time to get a new one but I cant stand having to pay for it.


And the cell phone companies can't stand giving you free phones anymore. What a concept - you want something, you pay for it.
by Bob B
Wed Sep 07, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: What to do with my CD collection
Replies: 35
Views: 2996

Re: What to do with my CD collection

badger42 wrote:
I find Craigslist / Freecycle full of time wasters. Too many late pickups / no-shows / flaky people / etc.


Agreed. I will NEVER invite a stranger from the Internet to my home. I ask family first. If no takers, I donate to a local cause. Tax deduction and feel good solution.
by Bob B
Wed Aug 31, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 4996

Re: WSJ $99 for 6 months -- worth it?

Before you drop $100, find a newsstand (might be difficult if you are truly in the boondocks) that carries the WSJ and buy it for a few days. If you like it and get something useful from it, then subscribe. Nobody else can make that decision for you. Can you cancel and get a refund for unused editio...
by Bob B
Thu Aug 25, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance
Replies: 3
Views: 429

Re: Disability insurance

Have you searched the forum? There have been many threads recently about disability insurance asking the same question you are. I think you will find your answer, or at least suggestions. It is a good question and I was happy I had disability insurance outside of my employer. When you are young, dis...

Go to advanced search