Search found 154 matches

by BogleFanGal
Thu May 17, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9594

Re: how do you tip on wine at a restaurant

What if I order water (free), do I tip zero? It is the same amount of work if I order another non-alcoholic drink. When one of us as designated driver orders water from a bartender, we always tip $1-2, even though water is "free". If we're at a restaurant already dining with a food check, then prob...
by BogleFanGal
Thu May 17, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9594

Re: how do you tip on wine at a restaurant

On a $127 lunch tab I think you are quite light @ $15. ... especially if you got the typical wine taste first for approval. I'd be more in the 20% or $25+ dollar tip range, maybe a bit more if the service was special. I tip more on the bottle than the food if it's done right, that's just me, YMMV. ...
by BogleFanGal
Wed May 16, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Rent Car before Buying
Replies: 19
Views: 1210

Re: Rent Car before Buying

Smart idea. I'd love to do this with the Honda accord or civic. We'll be in the market for another car soon and the only thing stopping me from considering Honda is the extensive list of complaints from people about the driver seat comfort. Almost all said it felt fine when road testing the car - wa...
by BogleFanGal
Mon May 14, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3747

Re: Used car, $20K-$25K

Take a look at the 2016 Buick Verano Turbo - there are some very low mileage personal leases loaded with options priced in high teens/very low '20s. The verano rides so smooth, and has triple insulated glass - VERY quiet. We bought the base engine - which most critics hated and said lagged (we're fi...
by BogleFanGal
Sat May 05, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements "Where Money Grows Up"
Replies: 9
Views: 2007

Re: Jonathan Clements "Where Money Grows Up"

I'm on his email list as well...thought this was great. I'll add mine: The inability to stop a serious gagging reflex when family and friends use words like "handles" to describe their FA. As in "Lisa has been handling me for years" "I wouldn't trust anyone but Robert to handle us" and my #1 favorit...
by BogleFanGal
Sun Apr 29, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2513

Re: Anyone else use AmazonSmile?

Yup..I know it's not much, but every bit helps. Mine goes to the aspca
by BogleFanGal
Sat Apr 28, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3185

Re: How stressful is buying a home?

Let's just say I did it once 20+ years ago and dread the process of doing it again in the next few years, as much as I'd like to move out of this area. But I'm the opposite of spontaneous, so every big buying decision is grueling for me. I deliberate again and again and again before deciding. I alwa...
by BogleFanGal
Wed Apr 25, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6057

Re: Electric Toothbrushes - again

Gotta agree: on my 3rd Oral B. Each lost most of its battery power right before or after warranty expiration - 2-3 years. This one is 3 years old and I can tell it's going as well. Wish I could use my credit card's double-the-warranty protection, but they require a written repair estimate as docume...
by BogleFanGal
Wed Apr 25, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6057

Re: Electric Toothbrushes - again

I’ve used both. I like Sonicare’s pulsating action better than Oral-B’s rotating action. But the biggest difference is the battery. Sonicare uses lithium ion batteries even in its cheapest models, while AFAIK Oral-B is still NiMH across the board. The Sonicare brushes last much longer on a charge (...
by BogleFanGal
Sun Apr 22, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: wash rule moving from short term investment bnd to short term bnd?
Replies: 3
Views: 205

Re: wash rule moving from short term investment bnd to short term bnd?

Thank you both! :beer Given your input, will likely just switch to the index version mentioned, since I'm less worried about changing bond fund composition - it's more about the higher ER.
by BogleFanGal
Sun Apr 22, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 5003

Re: AAA? What to do in car emergencies?

Any auto insurance company worth its salt offers roadside assistance for a fraction of the cost of the AAA. The only "catch" some people may have to keep in mind - at least with my insurance company - is that comp & collision are required to buy roadside assistance. Until this year, we've driven ol...
by BogleFanGal
Sun Apr 22, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: wash rule moving from short term investment bnd to short term bnd?
Replies: 3
Views: 205

wash rule moving from short term investment bnd to short term bnd?

Been searching through wash sale threads, but still would like a doublecheck on my assumption. Have a small loss in Vanguard Short Term Investment grade bond. Can I harvest if moving 100% of the funds directly into a lower ER index short term corporate bond fund or another short term bond fund (with...
by BogleFanGal
Wed Apr 18, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1681

Re: How do you know what price to negotiate when buying a used car?

I just purchased a used 2015 vehicle and found KBB and cargurus helpful on many levels. But one thing to be aware of: estimates can be too low/misleading (especially CarGuru) if you are in an area with a high volume of sketchy used cars and are seeking something in exceptional shape with low mileage...
by BogleFanGal
Tue Apr 03, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2958

Re: Health club memberships

Another vote for Planet Fitness or YouFit, depending where you live. $10/month - plenty of equipment, clean facility.
by BogleFanGal
Sat Mar 31, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Why does it seem there are so many bad/poor 401K plans?
Replies: 36
Views: 3701

Re: Why does it seem there are so many bad/poor 401K plans?

For most of my career, I don't recall ever having a decent 401k - every plan had high expense ratios, actively managed funds and it wasn't until the last job I had (about 10 years ago) that actually offered index funds. The first two were run by huge insurance conglomerates as the administrators- so...
by BogleFanGal
Sat Mar 31, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Aftermarket auto lumbar support cushion?
Replies: 2
Views: 326

Re: Aftermarket auto lumbar support cushion?

Thanks Doom&Gloom! Will check it out along with another one I saw on that same page that's adjustable. https://www.amazon.com/Therm-A-Rest-6437-Parent-Therm-a-Rest-Lumbar-Pillow/dp/B00HZ12Q9A/ref=pd_sbs_121_12?_encoding=UTF8&pd_rd_i=B00HZ12Q9A&pd_rd_r=2N1JK6EKT4DB44ZKJETZ&pd_rd_w=bsCG0&pd_rd_wg=sZjC...
by BogleFanGal
Sat Mar 31, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Aftermarket auto lumbar support cushion?
Replies: 2
Views: 326

Aftermarket auto lumbar support cushion?

Has anyone found a good DIY solution or economical product at walmart, amazon or ebay that offers some lumbar support for a car seat without built-in adjustable lumbar control? Been reading through threads about uncomfortable car seats hoping to spot a recommendation, but may have missed it. I'm goi...
by BogleFanGal
Sat Mar 31, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Oak Tree Roots Heaving Up Driveway
Replies: 5
Views: 1032

Re: Oak Tree Roots Heaving Up Driveway

Also make sure that tree is nowhere near your underground water line. We had to remove a huge tree with invasive roots planted too close to the house by the original developer. It raised the sidewalk/driveway, but more importantly, was going to mess with underground lines eventually. A neighbor had ...
by BogleFanGal
Tue Mar 27, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Living Expense Caught Up To Income
Replies: 48
Views: 7036

Re: Living Expense Caught Up To Income

You may be happy and engaged in you 20’s at work, but at 50 you may be dreading every day you have to get up. Amen to that. Three decades in the workplace may change you in ways you can't anticipate right now. If you're FI in your '50s and still love to work and are still killing it as the top perf...
by BogleFanGal
Mon Mar 26, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 46
Views: 3322

Re: New car?

I think even Bogleheads would be willing to replace a car after 14 years. A car that still runs perfectly fine (and will likely continue to do so for many years)? Whose only main problem is one that can be fixed for a fraction of what replacing the entire car would cost? I know several people that ...
by BogleFanGal
Fri Mar 23, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Does the value of my home matter?
Replies: 21
Views: 2786

Re: Does the value of my home matter?

As a group homes in desirable, very nice areas tend to go up in value and homes in bad undesirable areas tend to go down in value over time. Make the right choices, pick the right home(s), Depending upon where one lives, making that right choice can be one part research/due diligence and 2 parts pu...
by BogleFanGal
Wed Mar 21, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 193
Views: 24559

Re: Do you have an umbrella policy?

We have 1mil...i wanted more, but to go to 2mil was more than double the cost. My insurer apparently does NOT like higher umbrella policies! So stayed with what I had for now. Just can't bring myself to pay more than 2x as much.
by BogleFanGal
Wed Mar 21, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6936

Re: Drink package on Royal Caribbean, worth it?

I have not taken a cruise. The drinks are one of the reasons. Kind of outrageous, these drink packages. The drink prices themselves are airport bar drinks prices, not even typical of around town bars. The only reason a drink package seems like a good idea is due to overpricing of the drinks themsel...
by BogleFanGal
Wed Mar 21, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6936

Re: Drink package on Royal Caribbean, worth it?

Last time I booked a cruise, I did it through Costco. It was cheaper than on the cruise operator's site and they threw in the drink package and a cash card. Yup - both our packages were always included as part of the cabin cost we paid. Celebrity's pricing model is more towards an all-inclusive fee...
by BogleFanGal
Tue Mar 20, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6936

Re: Drink package on Royal Caribbean, worth it?

Not sure if Royal's drink package is the same as Celebrity, (likely is since it's the same parent company). We've sailed several times on Celebrity and theirs includes unlimited bottled water and specialty coffees and teas (like espresso, cappuccino, lattes, etc.) both hot and chilled. So if you dri...
by BogleFanGal
Mon Mar 12, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 9
Views: 559

Re: Any suggestions re: TD Ameritrade short term bond ETF?

Thanks welderwannabe and livesoft - just the advice I needed. Much appreciated.
by BogleFanGal
Sun Mar 11, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 9
Views: 559

Re: Any suggestions re: TD Ameritrade short term bond ETF?

Thanks for posting lack_ey. In your opinion, would JPST be a good choice in terms of expense ratio and quality? ETFs are a whole new world for me...I've mostly stuck to index mutual funds until now. Sure wish they had a plain vanilla short term bond version of SPAB or another conservative index ETF...
by BogleFanGal
Sun Mar 11, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 9
Views: 559

Re: Any suggestions re: TD Ameritrade short term bond ETF?

How short are you looking for? What duration? Are you basically trying to get close to a money market? Thanks Welderwannabe - looking for something less risky than Total Bond or other intermediate bond fund to park $45k in funds for the next 8-10 months at a reasonably low expense ratio. At that po...
by BogleFanGal
Sun Mar 11, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 9
Views: 559

Re: Any suggestions re: TD Ameritrade short term bond ETF?

Thanks for posting lack_ey. In your opinion, would JPST be a good choice in terms of expense ratio and quality? ETFs are a whole new world for me...I've mostly stuck to index mutual funds until now. Sure wish they had a plain vanilla short term bond version of SPAB or another conservative index ETF.
by BogleFanGal
Sun Mar 11, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 9
Views: 559

Any suggestions re: TD Ameritrade short term bond ETF?

Does anyone use or know of a low-cost short term bond ETF or fund at TD Ameritrade that's commission-free? Our HSA is at HSA Bank, which means TD Ameritrade. I know SPAB is closest to Total Bond, but I'd rather keep the money shorter term for now, as it's our first year on HDHP. If we decide to swit...
by BogleFanGal
Fri Mar 02, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

You will see a dramatic increase in premium if anyone in your household reached age 70 before the policy renewed. No significant age changes - early '50s. I know the extra $100-200 won't break me, but it's incredibly aggravating, on top of 30-35% auto policy increases coming from what I've been rea...
by BogleFanGal
Fri Mar 02, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

harmony wrote:
Fri Mar 02, 2018 10:11 am
Does a son or daughter keep his/her own car (which they insure themselves) garaged on your property?
Thanks, but no kids...just the two of us. Two boring sedans. No tickets or accidents.
by BogleFanGal
Thu Mar 01, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Big umbrella increase: anyone else's risen dramatically?

I paid about $400 for a 1 mil policy last year. (lots of lawsuits in my state). Now I get the renewal and it's gone up nearly 40%. I haven't made any claims - nor any on auto/home policies for almost 2 decades. No pool, no dog, no kids, no rentals, no trampoline...drive two old sedans and we both ha...
by BogleFanGal
Tue Feb 06, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5630

Re: 2018 FEHB HDHP Recommendations

I have been with the Aetna HDHP for 11 years now, and I'm about to jump to GEHA. They keep upping the premiums at Aetna, and the fluoride on the dental preventive care isn't included on the Aetna whereas it is on GEHA. I probably average ~$50 a year in spend so the HSA basically becomes another sav...
by BogleFanGal
Mon Jan 29, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5096

Re: Still working out of greed or fear?

$3m and still fearful? I do think that far too many here overestimate what they need in retirement to be secure and happy. This is about more than a new car or some extra expenses. It depends upon the person. $3 million sounds like a lot for someone who has kids or family. Then you likely have a sa...
by BogleFanGal
Sat Jan 27, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Universal Studios FL - Express Pass?
Replies: 15
Views: 733

Re: Universal Studios FL - Express Pass?

Just an fyi: the day you arrive is the opening weekend of Mardi Gras festivities which runs Feb 3 through end of March I think. In fact, there's a concert that Sat night you'll be there. It's not a busy time of year for travelers, but there WILL be many more locals there, since they're all off for t...
by BogleFanGal
Wed Jan 24, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9178

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Question for the software tech experts - to Warner 25's point about his/her S3, I have a S4 - how risky do you feel it is to keep an older non-OS/security supported android if it has updated avast or other antivirus program running on it? Only reason I'd upgrade is if it truly was a security risk. I...
by BogleFanGal
Sun Jan 21, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5368

Re: Pros and Cons of High Rise Condos for retired couple

My recommendation: never buy a 1 bedroom. Even if your parents don't need that 2nd room now, a 2-bedroom will likely be better for resale value. But more importantly, if something happens to one of them health-wise, they may want the option of remaining in their home. If live-in help is ever wanted ...
by BogleFanGal
Fri Jan 19, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34774

Re: How to Minimize Your Emergency Care Expenses

Incredibly helpful...thank you. Now if I could just be in the state of mind to remember a fraction of it when something happens, I'll consider myself very lucky.
by BogleFanGal
Fri Jan 19, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 40
Views: 4645

Re: Buying a car?

I've been used car shopping for several months. As mentioned in another thread, mostly finding inventory that's pretty poor quality. Checked KBB, Edmunds and Cargurus to get competitive prices, but they base it on avg prices around here which yes - are low - but for inventory that all seem to have p...
by BogleFanGal
Tue Jan 16, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175. Thanks for commenting. You'd think a high end dealer would go out of their way to help far more than mainstream ones. Did you h...
by BogleFanGal
Mon Jan 15, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175. Thanks for commenting. You'd think a high end dealer would go out of their way to help far more than mainstream ones. Did you h...
by BogleFanGal
Sun Jan 14, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

Watty wrote:
Sun Jan 14, 2018 7:48 pm
FYI, Buick has a four year full warranty so it may still be under warranty, and it will have a longer powertrain warranty.

Thanks for posting, Watty. Unfortunately, no bumper to bumper warranty left. Just drivetrain. Carvana was clear on that and I confirmed it.
by BogleFanGal
Sun Jan 14, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1553

Re: "EBATES" - For real, or scam ?

Will second everyone else's comments - been using Ebates for years. Go for it. Doesn't cost a thing extra and takes all of 2 seconds to activate the ebates icon before purchasing. Never had a problem with them. They do send you emails alerting you to promotions like double cash back - but I'm sure t...
by BogleFanGal
Sun Jan 14, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

2014 Buick with 14K miles? I'd drive it, look at the carfax report which I assume you've already done and base my decision on that. Yeah...I'm sure it probably seems like overkill :P Carvana is the seller: they have a decent rep. I looked every inch over from pics. Carfax is clean. Guess I'm a litt...
by BogleFanGal
Sun Jan 14, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

Nearest I could tell, none of them actually spent any serious time on the task - they all seemed to take a quick glance and declared the car "in excellent shape". Exactly! I think many do mean well - most people probably WANT a quick look over and don't want to pay more than 50-100 tops. But that's...
by BogleFanGal
Sun Jan 14, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Re: Pre-purchase inspection: dealership or private mechanic?

All good points...thank you. I could certainly request and pay for a more customized inspection with my mechanic. He's a good mechanic and very accommodating. But I think I need to be very specific in what I ask for vs just requesting a "thorough inspection" and then finding out after the fact that ...
by BogleFanGal
Sun Jan 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1554

Pre-purchase inspection: dealership or private mechanic?

Taking delivery of a 2014 Buick sedan this week I bought online. It includes a 7 day money-back satisfaction policy and priority #1 will be to get a thorough mechanical inspection after it arrives. Already reviewed car fax report and saw detailed pics. It's a 1 owner corporate lease, service records...
by BogleFanGal
Thu Jan 04, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 1627

Re: Federal Employee HSA account set up help

Great thread...thanks OP. We switched to GEHA from another HDHP plan - so we've already been funding an HSA regularly throughout 2017. Haven't received word 1 yet re: any new HSA acct setup. Fingers crossed that the transition from old HSA to new one isn't totally messed up.
by BogleFanGal
Thu Dec 21, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6128

Re: Who missed out on maximizing 401k?

Wow - this thread hit a nerve. LOL. I totally messed up the math this year :oops: - or should I say my spouse's HR dept messed it up. Handed us a 2017 pay period calendar and told us to max 2017 by dividing contributions among all pay periods equally. Found out too late they were wrong. Last pay pe...