Search found 126 matches

by KSOC
Mon Jul 24, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 23
Views: 1575

Re: Home Security System with/without monitoring

I too have been thinking about a HSS. SimpliSafe seems intriguing, mostly for the DIY aspect. For those who have SS, how does the system perform without subscription to home monitoring? Can you still use the app and view cameras, etc.? Website says that subscription is not required, but I have not ...
by KSOC
Sun Jul 23, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 23
Views: 1575

Re: Home Security System with/without monitoring

Did you consider Simplisafe? It too has cameras, completely wireless and monitoring is optional ($14.99 month). I didn't realize monitoring was optional with simplisafe. I had read (on bogleheads) that they had a software hacking issue or something so that didn't make me feel "simplisafe."...
by KSOC
Sun Jul 23, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 23
Views: 1575

Re: Home Security System with/without monitoring

So my house was build with a DSC alarm system installed but never used. When I purchased I left the system alone and did not use. We were broken into while we slept upstairs with no idea it happened until the police knocked on our door at 2am to say the found the person. Since then I went ahead and...
by KSOC
Sun Jul 23, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 23
Views: 1575

Re: Home Security System with/without monitoring

Did you consider Simplisafe? It too has cameras, completely wireless and monitoring is optional ($14.99 month).
by KSOC
Sat Jul 22, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 101
Views: 4705

Re: Is Amazon Prime worth it?

Time is money. I order stuff from Amazon Prime quite often. I once ordered a pair of shoelaces. I hate fighting the traffic and crowds at malls and shopping centers, even though I might be able to find the item in question for a lower price than Amazon has it listed for. There is a major mall 4 mil...
by KSOC
Mon Jul 17, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6285

Re: anyone retire and move to a planned community in FL?

This not directed to the OP, but other concerning the weather in Florida. Our hot summers are nature's form of population control. I'm almost 59, 44 years previous in Pennsylvania & the heat/humidity doesn't bother me. I do yard work, go for walks & other outside activities mid-day during th...
by KSOC
Tue Jul 11, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 15
Views: 1806

Re: Virgin Mobile unlimited talk, text, data for $1?

Picked up one for my wife last night online. She had a out of contract Verizon 4S that wouldn't hold a charge for long plus I had switched carriers as well losing any discounts we had on the phone. Friends in the area have the same service and are happy with it so we will give it a shot. $601 for t...
by KSOC
Mon Jul 10, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Issues rolling over Ameriprise Annuity to Vanguard. Help?
Replies: 6
Views: 498

Re: Issues rolling over Ameriprise Annuity to Vanguard. Help?

I had an issue too. Ameriprise called my wifes 401k rollover an IRA Annuity too. It took me 3 tries but we got it done. First it has to be originated with the proper Ameriprise form. Filled out, signed by your wife. Sent to Vanguard, signed there then they mail it to Ameriprise. Ameriprise lets it s...
by KSOC
Wed Jul 05, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1407

Re: Stable Value Questions

KSOC wrote:Do you have a quarterly or yearly plan fee?


No fees since I do not use their investment advice.


Me neither, the fee is Prudential's Maintenance fee in my employers plan. $13.25 per quarter. Just pointing out. :happy
by KSOC
Wed Jul 05, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1407

Re: Stable Value Questions

2) Should I keep a portion of my assets in the 401k plan so I can access to the stable value fund My Stable Value Plan is guaranteed 3.10% until end of year. I also pay plan charges of $53 per year on top of an ER of .35%. It's by far the most expensive fund in my portfolio which consists of 4 Vang...
by KSOC
Tue Jul 04, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5424

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Two spreadsheets, both locked. One with all the passwords & one with all investments. Sheets printed & locked in safe. At the beginning of each month we go over where we're at & where we're headed. Doesn't take long. Usually over a cup of coffee and we talk "business" for a bit...
by KSOC
Mon Jul 03, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12970

Re: Sam's Club vs. Costco

The search feature on Costco's website is basically non-functional. It's actually exceedingly difficult to locate anything on their website. They may as well not bother having a website, because it's totally useless. Really?I probably have the lowest level computer skillls on this forum and their s...
by KSOC
Sun Jul 02, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12970

Re: Sam's Club vs. Costco

@KSOC, you need to look harder for the frozen pizzas. Usually found outside their dairy freezer by their pre-made ready-to-cook meals (also superior at Costco).[/quote] Saw the frozen pizza's, was wondering if Costco had refrigerated pre-made pizza you take and bake at home. Not a big deal. Aldi ha...
by KSOC
Sun Jul 02, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12970

Re: Sam's Club vs. Costco

Pretty fascinating discussion going on here. I had no intention to post but, what the heck. I am a Sam's Club member for the last 6 or 7 years. Don't buy as much there anymore as it's pretty much just the wife and I now. Last few years I have debated dropping out. Is it worth the dues? Probably not ...
by KSOC
Sat Jul 01, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3929

Re: Anyone else got all their eggs in only the Vanguard basket?

Here's a cut-and-paste of a post I made years ago on the old Morningstar Vanguard Diehards forum: ************************************************************* What if Vanguard Went Broke? This is a very serious and timely issue, so I'll address it to hopefully set everyone at ease. First, The Vang...
by KSOC
Thu Jun 29, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Prevention Magazine
Replies: 3
Views: 541

Re: Prevention Magazine

Prevention is available free online thru Zinio. You can probably get access thru your Public Library account.
by KSOC
Sun Jun 25, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13338

Re: Anyone else gotten totally bored with investing?

No, not bored. Satisfied? Methodically calm maybe? I applied so many best practices from so much knowledge gained here or directed to from here. I feel satisfied in where I've positioned our investments & tightened up our finances. Que sera, sera. I sleep well, even with recently losing my job. ...
by KSOC
Fri Jun 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3590

Re: Worthwhile TV programming?

Narcos, Bosch, The Crown, Home Fires, Downton Abbey, Mr. Selfridge, Fortitude, Mozart in the Jungle, Orphan Black, Black Mirror, Blue Bloods, Homeland, The Affair, Ray Donovan, Fargo 1,2 & 3, Better Call Saul, The Profit, Halt & Catch Fire, The Blacklist, just to get started.
by KSOC
Thu Jun 22, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 15
Views: 1806

Re: Virgin Mobile unlimited talk, text, data for $1?

I saw an announcement that Virgin Mobile is offering a year of service for $1 if you buy an iphone from them and transfer your number before September sometime. The iphone SE starts at $279 for the 32GB version through Virgin Mobile (Apple sells the same one for $399). This deal appears too good to...
by KSOC
Sun Jun 18, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Example of why this forum is so good
Replies: 19
Views: 3242

Re: Example of why this forum is so good

Is "Buy Low Sell High" market timing? If it is I'm guilty. I'm positioning my self now to buy equities when the market declines. I'm not hording cash, but stocking extra in my stable value fund.
by KSOC
Sun Jun 18, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 1502

Re: Thinking of changing my international allocation

My international allocation (Vanguard Total Stock) is solely in my 401k and is about 6%. I have always struggled with holding any at all. Was talking to my best friend about a year ago about this (one of the few people I know who is knowledgeable about finance), and he said enough to make me do noth...
by KSOC
Fri Jun 16, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2561

Re: Happy Fathers Day - got me a used Weber grill!

I love my Weber Kettle & gasser. Taught me the difference between cheap & frugal. New K-mart gas grill every two years or 1 Weber, well the first one still going strong after 12.
by KSOC
Thu Jun 15, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5474

Re: Favorite Feature of Vanguard Website?

I just like the simplicity. For a novice like me it's comfortable. Vanguard provides me with all the information I need for investing. I've had/have accounts at Ameriprise, American Century, TD Ameritrade & found them puzzling & vague. Sister has an account at TIAA she has me look over, agai...
by KSOC
Mon Jun 12, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5839

Re: Have you canceled cable?

Is there any potential problem in cutting home phone? Anyone have any problems with just having a cell for any reason? Never thought of it before and I'm wondering if I'm missing anything. Could there be any problems in an emergency? Are you happy with your decision to cut phone? Any issue ever com...
by KSOC
Mon Jun 12, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3577

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by KSOC
Mon Jun 12, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2761

Re: Vue/Sling tv users--what do you miss?

Have Vue. Tivo with antenna wired to 7 TV's. Roku or Apple box at each. Subscribe to Netflix, Vue & Amazon Prime. There is nothing we miss about traditional cable tv or satellite. Only live tv we watch is local news & Seminoles football. I have never had better value.
by KSOC
Thu Jun 08, 2017 4:48 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3169

Re: How often do you redeem your credit card cash rewards?

As soon as it's available. We charge everything we can. Pay in full. Off the reward money goes to Total Stock Market. Why I like mutual funds, my spare change starts working right away. No waiting until I have enough buy an ETF. This and my emergency fund interest. Part of my investment plan. Patien...
by KSOC
Thu Jun 08, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 7325

Re: Dave Ramsey Financial Peace University ??? worth it?

Jags4186 wrote: Then again I enjoy listening to Paul Merriman talk about spreadsheets for an hour so maybe I'm not too good of a judge on entertainment :D


:D Me too! I love hearing him talk.
by KSOC
Wed Jun 07, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 4050

Re: Anyone have experience with Goldman Sachs online savings?

thangngo wrote:Goldman Sachs just increased interest rate for online savings to 1.20%. I'm transferring my savings from Ally to GS now. :sharebeer


Sweet. I have part off my ER there. Skim the interest every month to Total Stock Market. Might have to move some of my Ally too.
by KSOC
Sun Jun 04, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9032

Re: Everything keeps going up, this feels too easy?

Everything goes in cycles. Think back to the Fall of 2008. The Phillies won the World Series :D and the market tanked :( . Now almost 9 years later, the Phils are the worst team in baseball, and the stock market is at an all time high. But be careful, they won yesterday and as of this minute, are w...
by KSOC
Sun Jun 04, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 2960

Re: New iPad use

I have received the iPad mini mentioned in this thread: So, besides reading, what other interesting things do people use their pads for? Overdrive is great! Try Zinio for magazines too. I love my mini ipad for taking back to bed when my body is tired but my mind is not. And now just about every bus...
by KSOC
Sat Jun 03, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 4545

Re: Recommendation of Security Cameras for Exterior of House

Also Arlo here. 5 cams. I've had it about 3 years. Very happy. Some minor things. Don't mount cameras in difficult places. You'll have to change the batteries, frequently depending on your settings. Also understand batteries last longer in the hotter months. In Florida, 2 - 3 months is normal. I hav...
by KSOC
Mon May 22, 2017 3:25 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 3753

Re: Firefox painfully slow

Ever run CCleaner? I've used it in the past with older PC's, clears out the bits & pieces, cobwebs & registry issues.
by KSOC
Thu May 18, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 13232

Re: For those with $500k-$1m in investments...

Age 58.
11% taxable.
Losing job end of June.
Have cut back 401k to just get company match, and build up taxable savings.
Aware of age 55 rule, turn 59 1/2 August 2018.
Not ready to invade my tax deferred funds, but if I did it would make me delay SS.
by KSOC
Tue May 16, 2017 4:45 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4347

Re: Best argument you've heard against passive/for active?

MrFlish wrote:
stlutz wrote:
what are the most convincing arguments people have heard against passive investing or in favor of active investing?


Vanguard Wellington



+1


Wife & I hold Wellington & Wellesley in our TIRAs. With those track records & ER's it feels kinda wrong to call them active. :happy
by KSOC
Sat May 13, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Why are the [Florida] Keys so expensive?
Replies: 29
Views: 8469

Re: Why are the [Florida] Keys so expensive?

Key West is great for history people like me. I've been there twice and will go again. I love the architectural differences of cultures who influenced the area. Pretty good guided tours & plenty of nefarious tales. Loved the nightly Sunset Fest. Best if all are at least 21. Oh, and Key Lime Pie.
by KSOC
Tue May 02, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: Ameriprise Investment Suggestions
Replies: 10
Views: 915

Re: Ameriprise Investment Suggestions

Hello, I am new to this forum, and to becoming a "Boglehead". My husband and I met with a financial advisor with Ameriprise. We own a small business, and while we have real estate investments, knew we should do more for our retirement. We set up a meeting and prior to our planning meeting...
by KSOC
Mon May 01, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7967

Re: Favorite Financial Indulgences

Early Sunday morning drive to New Smyrna Beach for a long walk on a deserted beach. Then breakfast at the Beacon Restaurant. Keep'n it simple.
by KSOC
Sun Apr 30, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7404

Re: Does Retirement Planning impact your job performance?

I think it is very sad to anticipate five more years in a job you hate. I can not imagine staying in a job I didn't like. When I got burned out in a job, I changed careers. I was a dishwasher, short order cook, factory worker, soldier, pastor, author, game developer, magazine editor, entrepreneur, ...
by KSOC
Sat Apr 29, 2017 5:10 am
Forum: Investing - Help with Personal Investments
Topic: Breath of Fresh Air - Leaving Ameriprise
Replies: 13
Views: 1205

Re: Breath of Fresh Air - Leaving Ameriprise

Thanks everyone for the encouragement and sound advice! While I was on a roll today, I also dumped DirecTV and AT&T DSL; also very liberating. Yes CyclingDuo, I also went back to the IDS days. Not proud of it. So, TIAX, here are some stories. I've learned a lot, maybe these mistakes/oversights ...
by KSOC
Fri Apr 28, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4876

Re: Looking For Advice - Move NY -> Tampa?

Agree, been here 13 years. I'm home. Future will be coastal, St Pete? Climate - hot beats cold. Wife and I will never leave.
by KSOC
Fri Apr 28, 2017 4:46 am
Forum: Investing - Theory, News & General
Topic: "I don't want to wait till I'm 59.5
Replies: 28
Views: 4535

Re: "I don't want to wait till I'm 59.5

There is another way not mentioned yet either. If you have a 401k with an employer that you retire from in the year that you turn 55, you can access that 401k (not those that may have had earlier with other employers) with no penalty. This is actually a big factor playing into my plans to retire at...
by KSOC
Wed Apr 26, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4876

Re: Looking For Advice - Move NY -> Tampa?

Requested work transfer to Florida from Pennsylvania. I not only dislike cold, but lack of sunshine is worse. Summers are awful. Here in the Orlando area thunderstorms start about 2 pm and they kind of hang until after dark. Coastal areas clear up quicker. Fall, Winter & Spring are great. But I...
by KSOC
Wed Apr 26, 2017 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4876

Re: Looking For Advice - Move NY -> Tampa?

Requested work transfer to Florida from Pennsylvania. I not only dislike cold, but lack of sunshine is worse. Summers are awful. Here in the Orlando area thunderstorms start about 2 pm and they kind of hang until after dark. Coastal areas clear up quicker. Fall, Winter & Spring are great. But I ...
by KSOC
Thu Apr 20, 2017 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Which 500 Fund to Invest in.
Replies: 25
Views: 2957

Re: Which 500 Fund to Invest in.

and just for the heck of it VWELX = VG Wellington ... which you can set and forget and maybe do better in the long run too. jimb Love how you slip Wellington into the mix! Soon to flip the bulk of my 401k into an IRA into Wellington Admiral. Or 50/50 with Wellesley. Even considering a triple blend ...
by KSOC
Sun Apr 16, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Help! Dad's Retirement Account with Lincoln Financial Group
Replies: 15
Views: 2159

Re: Help! Dad's Retirement Account with Lincoln Financial Group

I find the website incredibly confusing, and I cannot seem to find any expense ratios anywhere or even ticker symbols to the funds that he is invested in.



Just like Ameriprise. You know right away they are hiding the negatives.
by KSOC
Tue Apr 11, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 58
Views: 6341

Re: Should I leave Ameriprise?

It is really as simple as calling Vanguard, who then will do the heavy lifting? I just did two IRA transfers. Initiate the proper form from Ameriprise, set up proper account at Vanguard. Mail completed Ameriprise forms to Vanguard with your new Vanguard account #. Vanguard signs forms and mails to ...
by KSOC
Mon Apr 10, 2017 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 25966

Re: Low-earners- What is your profession?

Spouse I & finally hit $100,00 gross the last two years. We are 58, she is a middle school teacher. She has a degree in accounting and was a controller at household name resort. She left to be a stay at home mom. When kids went to school she got her certification to teach math. She hated accoun...
by KSOC
Sun Apr 09, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 9483

Re: Social Security at 62 vs 66

I was planning to retire at 62. Physical work all my life & family history made that decision easy. But, getting let go (company closing facility) this week after 28 years may change that plan.Was hoping the last 4 years of my highest wages would help pick up some of my low early years. So, I'll...
by KSOC
Thu Apr 06, 2017 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Insights Regarding Used Kia Sedona
Replies: 4
Views: 484

Re: Insights Regarding Used Kia Sedona

I have 4 Kia's so I do have a bias. One of those is a 2011 Sedona LX. It replaced a 2010 Sedona which was totaled after 6 months. My wife was hit head on at about 40 mph. She got out of the van on her own. The driver of the Pontiac Grand Am (his fault) had to be removed by Fire Dept. My wife insiste...

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