Search found 641 matches

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: 1185

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: 1665

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: 6599

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: 6599

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: 2859

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: 2347

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: 118
Views: 9247

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: 767

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: 1321

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: 404

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: 1144

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: 3022

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: 1025

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: 2686

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: 2989

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: 2989

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: 2995

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: 3715

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: 3715

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: 2840

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: 1791

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: 1512

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: 1467

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: 858

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: 1586

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: 2733

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: 1586

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: 1516

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: 6106

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: 5467

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: 1206

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: 2833

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: 54
Views: 3473

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: 416

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: 3556

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: 1995

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: 12616

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: 152
Views: 30567

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: 1100

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: 1100

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: 429

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: 9139

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: 5194

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: 4653

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: 3885

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: 9139

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: 712

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: 5966

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.

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