Search found 583 matches

by Bob B
Mon May 23, 2016 6:02 pm
Forum: Forum Issues and Administration
Topic: Warning Levels
Replies: 1
Views: 480

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: 1671

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: 26
Views: 1931

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: 26
Views: 1931

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: 319

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: 721

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: 3588

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: 1052

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: 2060

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: 6868

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: 7269

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: 48
Views: 3494

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: 2018

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: 2018

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: 3608

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: 2800

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: 2160

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: 52
Views: 5010

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: 4701

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: 2285

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: 3475

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: 455
Views: 49471

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: 592

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: 2677

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: 487

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: 2339

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: 4865

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: 4865

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: 1025

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: 868

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: 5616

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: 5616

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: 4182

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: 4182

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: 5616

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: 862

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: 1065

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: 4182

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: 4182

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: 2772

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: 1062

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: 148

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: 2726

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: 1307

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: 2930

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: 3113

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: 3161

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: 4783

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: 3119

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: 5379

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...

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