Search found 606 matches

by Bob B
Thu Aug 25, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance
Replies: 2
Views: 199

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...
by Bob B
Tue Aug 16, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3252

Re: Letter From State Farm

You didn't give us a lot of information to go on, but my first question would be do you even need this insurance anymore?
by Bob B
Wed Aug 10, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 1788

Re: okay to leave deposit on vehicle?

No way do I give the dealership any money until I have seen and driven the car. That's my policy.
by Bob B
Sat Aug 06, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9647

Re: Toyota care plus prepaid maintenance

tj wrote:For my civic, at various SoCal dealers:
September 2013 - 22k miles - engine filter $59.95 59.95
September 2013 - 22k miles - cabin filter $59.95 59.95


$60 each for air and cabin filter changes!!?? One can buy either of those filters for about $20 each and change them in under a few minutes!
by Bob B
Sat Aug 06, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25184

Re: Experience with Honda airbag recall?

coachz wrote:We put or vin number into the honda site for this 1 month old 2016 CRV EX and it had no recalls. Is that all we need to do ?


Yes. If your car ends up on the recall list you will get a letter. But, i don't think a 2016 will be affected.
by Bob B
Sat Aug 06, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Taxing of windows installations
Replies: 10
Views: 1030

Re: Taxing of windows installations

If the contractor is buying the material for the job, he would pay the sales tax when he buys the material. Normally, he would add the tax he paid to the price of materials in your contract and give you just one number for material (which will also include his markup.) Installation labor is not tax...
by Bob B
Fri Aug 05, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Taxing of windows installations
Replies: 10
Views: 1030

Re: Taxing of windows installations

If the contractor is buying the material for the job, he would pay the sales tax when he buys the material. Normally, he would add the tax he paid to the price of materials in your contract and give you just one number for material (which will also include his markup.) Installation labor is not taxa...
by Bob B
Sun Jul 17, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: How many bond funds do we really need?
Replies: 3
Views: 404

Re: How many bond funds do we really need?

Intermediate -Term has been the sweet spot for me for many years, though I use VBILX - IT Bond Index Fund Admiral, not VFIDX.
by Bob B
Wed Jul 06, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8447

Re: synthetic oil changes

I used to think those were great, until buying an oil extractor. No more getting under the car or mess, easy peasy. Yup, greatest thing ever. I love not needing a jack or drain pan to change my oil and filter, and using one, maybe two, paper towels to clean up. I'm confused! How does an oil extract...
by Bob B
Wed Jul 06, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees ?
Replies: 35
Views: 4937

Re: Health Insurance for Retirees ?

I ask again, is the Cobra I am being offered a good deal? I think it is and am ready to sign up. Thanks, Ken Yes, your rate is good. I too found my COBRA coverage better than any ACA plan I investigated (how sad.) It will take me to Medicare since I have an extension beyond 18 months due to a disab...
by Bob B
Tue Jul 05, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4403

Re: Fire escape

You might want to rethink your exit strategy. Most people will not survive a 300+ feet fall in water that you will encounter jumping off 35th floor assuming ground level swimming pool. Golden Gate Bridge is only 200 feet and it has 98% fatality rate for people jumping off the bridge in water. Even ...
by Bob B
Mon Jul 04, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index (VGSIX): a Good Investment, Now?
Replies: 11
Views: 3639

Re: Vanguard REIT Index (VGSIX): a Good Investment, Now?

...also what's the difference between buying investment property and renting it out vs REITs? A REIT fund will be more diversified than owning a single or a few properties (dozens to hundreds of properties.) No landlord responsibilities for you. Also, REIT funds are made up of apartment buildings a...
by Bob B
Sun Jul 03, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8447

Re: synthetic oil changes

munemaker wrote:
Swansea wrote:Oil, brake and coolant are all auto fluids that deteriorate with time.
Synthetic oil is needed in turbo charged engines.


As well as transmission fluid, ...


Except in my Corolla with a CVT, the transmission oil cannot be checked and there is no Toyota recommendation to ever change it.
by Bob B
Sat Jul 02, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation of IRA Dividends and Capital Gains
Replies: 8
Views: 660

Taxation of IRA Dividends and Capital Gains

Quick question about taking dividends and capital gains from a Traditional IRA - if I have those dividends and CG distributions automatically transferred from my traditional IRA to my taxable money market fund, that is a taxable transaction, correct? (BTW, I am 63 years old.) That same scenario from...
by Bob B
Mon Jun 27, 2016 3:20 pm
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 5194

Re: BH [Bogleheads.org forum] is back!

mrc wrote:Yay. I was going nuts.

Huh? What was going on in the investment world at 6:35 am on a Sunday that caused you to go nuts over a website outage? I am really curious.
by Bob B
Tue Jun 21, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with appliances from Home Depot?
Replies: 29
Views: 2033

Re: Anyone else have problems with appliances from Home Depot?

celia wrote:I prefer simpler cars and appliances...


Right on! I can't wait for the posts (problem complaints) about the new Samsung Family Hub refrigerator with its cameras and monitor. What people will spend their money on.
by Bob B
Thu Jun 16, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: VBILX or VBTLX? [Vanguard Intermediate-Term or Total Bond]
Replies: 16
Views: 1426

Re: VBILX or VBTLX?

seanmerron wrote:
mongstradamus wrote:Another issue i would take into account with Vanguard Intermediate term bond vs total bond fund is if you want MBS in your bond fund or not. At least thats what i was looking at when i was looking at bond funds.


MBS?


Mortgage Backed Securities
by Bob B
Sat Jun 11, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area
Replies: 27
Views: 1214

Re: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area

I cannot confirm what type of sod they laid down. I can ask the company. My wife is pushing for seed, and I am trying to tell her just getting a patch of sod, cutting it to form is best. For the Philly area, this is not the time of year to start seed. The summer will kill it. You need to wait until...
by Bob B
Thu Jun 02, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 2014

Re: Social Security Disability???

Start keeping a hand written journal of the problems you experience. After my wife was diagnosed with MS some years ago our family attorney suggested this. By the time her MS worsened to the point of filing for disability she had about 5 years of spiral notebooks plus all her doctors records and MR...
by Bob B
Wed Jun 01, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10777

Re: New "Flagship Select" level at Vanguard

I find the Vanguard "levels" to be a marketing joke. Over the years, I have passed through many of the levels and nothing changed other than the cost of stock trades which was not important to me. When I made it to Flagship, a Flagship rep calls me about every six months and asks me the sa...
by Bob B
Tue May 31, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: backyard for a new house, pavers questions
Replies: 36
Views: 2057

Re: backyard for a new house, pavers questions

I think the contractor is light on the base. When I had a small paver patio installed, the contractor told me 8" base for patios and 10"-12" base if vehicles will drive on it. This is mid-Altlantic where the ground freezes. Maybe the spec is less if the ground does not freeze. An inad...
by Bob B
Mon May 30, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Windshield chipped - call insurance company?
Replies: 26
Views: 1967

Re: Windshield chipped - call insurance company?

This falls under the Comprehensive portion of your insurance, not Collision. There will be no adverse effect on your record or rate, so get it fixed.
by Bob B
Tue May 24, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why are health care funds down in 2016?
Replies: 10
Views: 1044

Re: Why are health care funds down in 2016?

Brooks wrote:Some of that must be market reacting with emotion.


Well, I think you just described the stock market.
by Bob B
Mon May 23, 2016 6:02 pm
Forum: Forum Issues and Administration
Topic: Warning Levels
Replies: 1
Views: 702

Warning Levels

What does Warning Level [1] mean in a profile? Are posts held for moderator review before appearing on the forum? Does the warning level eventually expire? Thank you.
by Bob B
Sun May 22, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 1906

Re: Local TV channels - via streaming?

Has anybody turned their mattress springs into a TV antenna? It should be easy to do. Are you ok? I just noticed today that you're frequently commenting on posts - but not making any sense. Do you have a E.E. degree? It makes perfect sense and would be a very Bogleheadish thing to do. It would not ...
by Bob B
Wed May 18, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 41
Views: 3601

Re: Proper Protocol to Handle Fender Bender

So, everybody says call the police. Sounds like good advice and I would do it. But, what if the accident is in a big city like Philadelphia where police will not respond to a fender bender? Then what? Did find this http://www.jefferson.edu/university/security/auto_accident.html I once had a fender ...
by Bob B
Wed May 18, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 41
Views: 3601

Re: Proper Protocol to Handle Fender Bender

So, everybody says call the police. Sounds like good advice and I would do it. But, what if the accident is in a big city like Philadelphia where police will not respond to a fender bender? Then what?
by Bob B
Mon May 16, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: private health insurance: broker or no?
Replies: 2
Views: 389

Re: private health insurance: broker or no?

The advantage of using a broker is that you can get prices without actually applying for a policy. If you apply for a policy on your own and you are denied, that is on your record and few other companies will offer you a policy.
by Bob B
Mon May 16, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of HSA
Replies: 4
Views: 809

Re: Best use of HSA

Now that I am retired, I use the HSA account I built up while working for large expenses, like the hearing aids I have to pay for tomorrow. My plan is to use it up before I die :D .
by Bob B
Mon May 16, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 4011

Re: Is it OK to leave home wifi on?

cheese_breath wrote:I leave mine on all the time, but I don't leave any computers turned on. If someone has been casing the neighborhood and knows what wifi are usually on I'm afraid he might suspect I'm gone if mine isn't on too.


How does your WiFi broadcasting identify your home address?
by Bob B
Sun May 15, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Quick SPIA question
Replies: 9
Views: 1165

Re: Quick SPIA question

I agree with Taylor. No reason not to spread it around. Do you really believe in the "too big to fail" propaganda?
by Bob B
Sun May 15, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: how do you track and view your asset allocation?
Replies: 27
Views: 2272

Re: how do you track and view your asset allocation?

Microsoft Excel spreadsheet with a couple of pie charts. I update it once every quarter. Very quick and easy and it is secure on my computer.
by Bob B
Sun May 15, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 7329

Re: 30 minute commute?

From what I've read, and what fits with my own life: * 1 hour commutes are not very sustainable , particularly in a world with snow and traffic Really? I sustained a 2+ hour round trip commute for 20 years in Pennsylvania (with snow and traffic extending that to 3+ hours once in a while.) The job w...
by Bob B
Tue May 10, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7653

Re: I cannot stop buying... [Investing/Personal Finance Books]

I have The Investor's Manifesto, The Boglehead's Guide to Retirement Planning and Social Security Made Simple. They cover everything that is needed to know.

What would I gain by sinking more money into books that are just variations on a theme?
by Bob B
Tue May 10, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4915

Re: Noise Reduction

A white noise generator (fan) is very effective with masking noises. I can't sleep without one due to my tinnitus and sensitivity to noises. http://www.amazon.com/dp/B000KUHFGM/ref=wl_it_dp_o_pd_nS_ttl?_encoding=UTF8&colid=2VA38XSPDCZSD&coliid=I2E96X00BAM777&psc=1 $50 and you don't have ...
by Bob B
Mon May 09, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2169

Re: Tips for Selling Bedroom Set

I'm new at donating household items to charity. How big of a tax donation receipt can you expect to get from an expensive bedroom set? And how do they come up with the number? "They" usually don't come up with the number. You do. The charity typically gives you a receipt that lists the it...
by Bob B
Mon May 09, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2169

Re: Tips for Selling Bedroom Set

Regarding Craigslist...are you comfortable with strangers coming into your house? It's not like you can haul a bedroom set to a safe location for viewing. My choice in this situation is to contact family first and if no takers contact a reputable charity and take the tax deduction. Many charities or...
by Bob B
Fri May 06, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Steam Shower - Your experiences?
Replies: 30
Views: 3825

Re: Steam Shower - Your experiences?

Just make sure your room ventilation is above average. Trapped steam will ruin many building materials and cause mold.
by Bob B
Fri May 06, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs in retirement
Replies: 26
Views: 2982

Re: Healthcare costs in retirement

abuss368 wrote:Does anyone use an Health Savings Account?


Yes. I built up my HSA while I was still working for the purpose of using it during retirement. I am about to tap it for the first time to pay for hearing aids.
by Bob B
Fri May 06, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Should I Buy an annuity?
Replies: 16
Views: 2268

Re: Buy an Annuity Now or Wait?

jgarr: Welcome to the Bogleheads Forum! A Single Premium Immediate Annuity (SPIAs) offers freedom from stock market risk and insurance they you will have income as long as you live (I own two). However, I believe it is better for most people to wait until around 80 before purchasing--and then only ...
by Bob B
Fri May 06, 2016 10:58 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 71
Views: 8000

Re: Revealing Usernames

Best advice I ever received and continue to live by is..."Once you put it in writing, you have no expectation of privacy." This goes for the Internet and everything else.

I have noticed that most moderators on Bogleheads do not use their real name. What does that tell you?
by Bob B
Fri May 06, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 5016

Re: Just called Directv and saved $600 for one year

As soon as the NHL season is over (mid June), I plan to cut the cable cord and go with antenna and some type of streaming device. I'm guessing you are a hockey fan. What happens when the new season starts and you have already cut the cord? In Philadelphia area, one needs cable to watch local sports...
by Bob B
Wed May 04, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: "MetLife to Pay $25 Million"
Replies: 13
Views: 2394

Re: "MetLife to Pay $25 Million"

Who gets the $25M?
by Bob B
Mon May 02, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 26
Views: 3656

Re: Sue your employer over 401k

Why wouldn't every 401k manager offer both indexes and actively managed funds in their portfolios? And treasuries, for that matter? The marginal cost for adding a few from each category seems like it should be close to zero; the hard part is setting it up in the first place. Who is the "401k m...
by Bob B
Sun May 01, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 67016

Re: High Earners - What's Your Profession?

Manufacturing Engineer in the mid-Atlantic area $100K+ for a number of years (defense and commercial aerospace electronics industry, but now retired at 62 with well over $1M in net worth.)
by Bob B
Thu Apr 28, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Alternatives to Consumer Cellular?
Replies: 7
Views: 693

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: 2820

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: 542

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: 2539

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: 5125

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"?

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