Search found 664 matches

by Bob B
Fri Apr 07, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 16
Views: 2920

Re: Vanguard - Money Market Funds

wassabi wrote: VMFXX has a rate of .51% but an expense ratio of .11%. I don't recall if the ER is already factored into the .51% rate.


Yes, it is so don't make the mistake of subtracting .11 from .51.
by Bob B
Thu Apr 06, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 144
Views: 19319

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

So it seems there is a lot of disappoint about this year's sign-up process because it was announced prior to April 5th (apparently it was previously said that sign-up would begin April 5th, but it actually happened earlier thereby catching many people by surprise.) I see hard feelings being expresse...
by Bob B
Thu Mar 30, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2640

Re: Do I need an electrician? If so how much would it cost?

hand wrote:...
Not an expert, but my layman's read is that you need a separate circuit for bathroom appliances:
1) Should be GFCI protected


Not "should be", MUST be GFCI protected.
by Bob B
Sat Mar 25, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4465

Re: thoughts on in-ceiling speakers?

For surround sound, in-ceiling speakers will not work well...too high and facing the wrong direction. In-ceiling speakers are fine for background music, but not much else. Next time you are at the movies, notice where the surround speakers are - on the walls facing in toward the audience. The front ...
by Bob B
Fri Mar 10, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 12685

Re: What to do with all these passwords ?

Long time KeePass user. It has a section where you can enter text like security question, etc. for each entry. Easy to set up and use.
by Bob B
Thu Mar 09, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution with no earned income
Replies: 2
Views: 527

Roth IRA Contribution with no earned income

I am 64 and disabled collecting SSDI and a private disability payment, i.e. no earned income. My spouse works and contributes the max to her Roth. Am I able to make a spousal contribution to my Roth using her income? If so, would I just make a contribution to my existing Roth as if I had earned inco...
by Bob B
Tue Feb 28, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Does anyone know if this is mold? Would this mean replacing all air ducts?
Replies: 22
Views: 2869

Re: Does anyone know if this is mold? Would this mean replacing all air ducts?

My dryer vent exhaust is emptied into my garage which is where the hvac unit is. My theory is that when the dryer is running its spewing out a lot of warm moist air into the garage and that is what caused the mold on top of the HVAC unit originally. If i take the cover off the unit and look inside ...
by Bob B
Fri Feb 24, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 24
Views: 1996

Re: Hearing Aid Benefits

Barefootgirl wrote:Can a Healthcare spending account work for him? [Both access to one as well as whether these are allowable uses.]


Yes, hearing aids are an allowable use for an HSA. I did it last year.
by Bob B
Wed Feb 22, 2017 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 2076

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Hi Jack: Now that you're "officially" 21, that means you'll be able to enjoy a glass of wine or other alcoholic beverage of your choice at our upcoming 2017 Bogleheads Conference. Since the heart was 30 years old when Jack received it, he is really 51, not 21. Ha Ha. Just kidding. I know ...
by Bob B
Thu Feb 16, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Upgraded Vanguard Brokerage Account
Replies: 5
Views: 935

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: 1867

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: 977

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: 1448

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: 2958

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: 39
Views: 5122

Re: best way to buy TaxAct

Apparently there was no cheap early offer this year. 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 happy ...
by Bob B
Sat Jan 21, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28314

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: 4106

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: 263
Views: 28314

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: 263
Views: 28314

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: 263
Views: 28314

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: 1665

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: 855

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: 775

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: 1531

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: 3030

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: 7935

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: 7935

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: 3483

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: 3564

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: 142
Views: 20254

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: 995

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: 1627

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: 632

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: 1557

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: 3752

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: 1200

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: 3756

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: 3919

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: 3919

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: 3440

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: 4873

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: 4873

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: 3549

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: 2307

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: 1885

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: 1749

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: 1017

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: 1950

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: 3410

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...