Search found 4591 matches

by Leesbro63
Mon Feb 27, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Best Way To Get British Airways Avios Points
Replies: 6
Views: 431

Re: Best Way To Get British Airways Avios Points

TravelGeek wrote:Amex Membership Rewards transfer to Avios, too.


So what AMEX card might I want? I don't like annual fees, probably won't use the card and will cancel after a time, and just want the bonus points?
by Leesbro63
Mon Feb 27, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: To Rent or Buy Townhouse
Replies: 15
Views: 1282

Re: To Rent or Buy Townhouse

Shouldn't townhouses appreciate similar to single family houses? Wouldn't supply and demand make that end up about equal?
by Leesbro63
Sun Feb 26, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: To Rent or Buy Townhouse
Replies: 15
Views: 1282

Re: To Rent or Buy Townhouse

Sounds like outside maintenance only.
by Leesbro63
Sun Feb 26, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way To Get British Airways Avios Points
Replies: 6
Views: 431

Best Way To Get British Airways Avios Points

Oddly, it's very generally expensive to fly from Pittsburgh to NYC. But if you book the American airlines flights via the British Airways site using their Avios, points, you can get a roundtrip for about 15,000 points (worth about $150). So the question is how to get more Avios points. I've used up ...
by Leesbro63
Sat Feb 25, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 36
Views: 2538

Re: Vanguard Lousy Customer Service

I recently had some business that required extensive Flagship service. They were fabulous. I get it that I am a Flagship customer and they have more interest in keeping me happy than the guy with a $5000 IRA. But over the years my experience with Vanguard customer service has been good all around.
by Leesbro63
Fri Feb 24, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: No More Oil Based Paint?
Replies: 9
Views: 6868

Re: No More Oil Based Paint?

JGoneRiding wrote:The real question is why do you need to paint every 5 to 7 years with oil paint should last at the low of 10 and oil should last 15 20 easily!


I'll bet you don't live in the rust belt
by Leesbro63
Fri Feb 24, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Points After Death
Replies: 15
Views: 1030

Re: Credit Card Points After Death

She told them that he died and they shut down the account. So whether it's legal or not is moot...she didn't use the card. I'm surprised that the answer to my original question isn't common knowledge.
by Leesbro63
Thu Feb 23, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Points After Death
Replies: 15
Views: 1030

Credit Card Points After Death

A good friend of mine recently passed away and left about $4000 worth of points on his CapitalOne credit card. His widow is trying to claim the points but they are saying that the points die with the person. She is an authorized user on the card, but the card was in his name only. Is this right? Do ...
by Leesbro63
Thu Feb 23, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 31
Views: 3458

Re: Using Canadian Pharmacies

I was under the impression that it's illegal to buy Rx drugs from other countries. If not, why aren't they bombarding us with ads for cheaper meds?
by Leesbro63
Thu Feb 23, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3411

Re: Long Day Trip: Drive Old Car or Rent Car?

Makes sense to me. Dealing with a breakdown with a car full of kids 100 miles from home is a pain - I've done it. But I rent more than most people, anyway. We just own the one car, and use Enterprise down the street prn. Saves a ton of money. We do the same thing. When we need a second car - and th...
by Leesbro63
Thu Feb 23, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about Raymond James?
Replies: 28
Views: 3904

Re: Tell me about Raymond James?

For what it's worth, I am the original poster. Daughter did take the job at RayJay and it was great. It led to better opportunities etc and she's doing well in the Finance industry.
by Leesbro63
Wed Feb 22, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 8
Views: 943

Sleep Number Bed

I'm thinking about getting a Sleep Number bed. Top of the line, adjustable. Anyone here have any experience with this product? And how do you REALLY get the best deal? Seems like a high markup item with possible hidden discounts if you know how to get them
by Leesbro63
Sun Feb 19, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1173

Re: Is it worth filing an amended tax return?

Never file this early, especially if you have brokerage 1099s.
by Leesbro63
Sun Feb 19, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3411

Re: Long Day Trip: Drive Old Car or Rent Car?

On the contrary, OP would be renting to avoid paying "new car insurance" for a car that he would at most need to use, realistically, 6-12 times a year! Where do you draw the line on this? You are suggesting the OP rent a car every time they make a 4 hour round trip drive. Should they rent...
by Leesbro63
Sat Feb 18, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3411

Re: Long Day Trip: Drive Old Car or Rent Car?

I often drive 300-700 mile trips over 1 to 3 days. I ALWAYS rent. It's a free lunch. In fact, it makes me wonder why the rental companies haven't capped daily miles. Also, I have a Chase Sapphire Preferred credit card, ($95/year) with primary rental car collision coverage. I get it that my own insur...
by Leesbro63
Fri Feb 17, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3611

Vanguard Web Site Down?

I cannot get into Vanguard on two different devices with two different internet connections. Is it me?
by Leesbro63
Mon Feb 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Travel Insurance For Frequent Cruiser
Replies: 2
Views: 304

Travel Insurance For Frequent Cruiser

I have a good friend who is a frequent cruiser. Recently his wife got sick...bad cold/flu but nothing serious. So they had to cancel their January cruise. He always gets travel insurance and put in a claim. The insurer is giving him a hassle, saying she was treated for a similar condition 6 months b...
by Leesbro63
Sat Feb 11, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Veteran's Survivor Benefits
Replies: 5
Views: 543

Veteran's Survivor Benefits

I'm helping a friend who oversees the finances for his 95 year old mother-in-law. She's been a widow, for years, of a WW2 vet. She's nowat the point where her assets have been depleted and she gets by on Social Security and a little help from her children. Last fall, she was hospitalized and it was ...
by Leesbro63
Thu Feb 09, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 888

Re: Airport for Tampa Area

Yes, Allegiant. I booked the Candlewood! Thank you so much for that recommendation. Under $100 vs $225 for Hampton Inn. You just paid my Bogleheads membership fee for a year...wait...it's free :wink: Noooo Leesbro63 - if you can afford pet insurance for that cute little dog up there in the hills of...
by Leesbro63
Thu Feb 09, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 888

Re: Airport for Tampa Area

I'm guessing you are flying on Allegiant. PIE airport is on the west side of Tampa Bay from TPA airport, maybe 15-20 minutes away, most of the drive involves a very long bridge over the Bay. All the major airlines fly out of TPA and not PIE. Only Allegiant and a couple of charter airlines fly out o...
by Leesbro63
Wed Feb 08, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 888

Re: Airport for Tampa Area

moneywise3 wrote:Airlines flying to FL have a habit of giving their own names to airports- believe it or not. Bradenton, Daytona Beach, and all the names OP mentioned.


Yes, this was my problem. Now I understand how people from New York have no clue about us hicks from Pittsburgh :D
by Leesbro63
Wed Feb 08, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 888

Re: Airport for Tampa Area

Thank you!
by Leesbro63
Wed Feb 08, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 888

Airport for Tampa Area

This might qualify as the dumbest question I've ever posted on Bogleheads. But I don't understand the Tampa/Tampa Bay/St. Pete/Clearwater Airport thing. Never been there before. Different sites refer to different names. Is there just one major airport, under the symbol PIE...are there more than one ...
by Leesbro63
Mon Feb 06, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Harvard University is firing their in house investors.
Replies: 8
Views: 1387

Re: Harvard University is firing their in house investors.

The S&P 500 is probably not the best benchmark for a University Endowment. I would use a blended Index of 60% stocks and 40% bonds. But your basic point holds, Endowments have not performed very well, certainly below expectations. I completely disagree with this. 60/40 might be appropriate for ...
by Leesbro63
Mon Feb 06, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: tIRA to Charity
Replies: 30
Views: 1358

Re: tIRA to Charity

Does the things still exist where people over 70.5 can directly send their RMD to charity to avoid the tax paperwork?
by Leesbro63
Sun Feb 05, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine or Online
Replies: 15
Views: 1394

Consumer Reports Magazine or Online

For years I've subscribed to Consumer Reports. I save the magazine each month. In theory, my stack is a resource to help me make smart purchases. In reality, it's an unindexed stack of old magazines with info that becomes dated before the ink is dry. There has to be a better way. What's the deal wit...
by Leesbro63
Sat Feb 04, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2502

Re: Lexus PreCollision Safety System (auto braking)

I am 77 and just bought a new car without all these new protection type features. I thought I drove well over 55 years without accidents caused by me, and could do another 10 years. I wonder how these programs work i.e. at 65 mph quitting time traffic on an expressway, or at lower speeds with cars ...
by Leesbro63
Fri Feb 03, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2502

Lexus PreCollision Safety System (auto braking)

I am seriously considering trading my 2016 Lexus RX for a 2017 RX that has the "precollision braking system". Very UnBogleheadish. Or is it. I admit that I could have gotten it on the 2016, but at the time all of the cars that I saw with it had $10,000 of additional options that were worth...
by Leesbro63
Fri Feb 03, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund for Taxable
Replies: 12
Views: 1161

Re: Tax Exempt Bond Fund for Taxable

The elephant in the room isn't whether you should pay a small tax to switch. The elephant is whether you can and will tolerate the extra risk of a longer duration bond fund to reap potential rewards for doing so.
by Leesbro63
Wed Jan 25, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: If We Know Bonds Will B Going Down.....
Replies: 24
Views: 2258

Re: If We Know Bonds Will B Going Down.....

HomerJ wrote:
(2) People have been saying they "know" the FED will raise rates for 6 years now.


More like 13 or 14
by Leesbro63
Sun Jan 22, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54737

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

In particular, Warren Buffett wins the frugality award for a man who has accumulated serious wealth. He bought his home in 1958 for $31,5000 which he still lives in 59 years later. He only earns $100K salary and lives within his salary to this day - even though he has Billions. Good article here on...
by Leesbro63
Sun Jan 22, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 33
Views: 4012

Re: Schwab brokerage incentive $2,500 - - - thoughts?

Sometimes the brokerages will pay the bonus, offered to new money, to existing "old money" customers who threaten to leave. Or more politely, who ask for a "retention bonus" for staying.
by Leesbro63
Sat Jan 21, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54737

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Investing isn't about becoming rich for most people. As W. Bernstein states, it's about avoiding poverty in retirement and covering basic living expenses. A $2 million portfolio doesn't make you remotely rich unless you also have a public employee type pension, or you know you're going to die soon....
by Leesbro63
Tue Jan 17, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1917

Re: Junior and Senior Financial Independence

I am the original poster. I agree that the important factor is the multiple of EXPENSES and not income. But I think most of us Bogleheads get it that many articles are written assuming that income and expenses are often the same for many. I also get it that it's not possible to accumulate 20x or 50x...
by Leesbro63
Tue Jan 17, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1917

Junior and Senior Financial Independence

I thought this concept was absolutely excellent and very Bogleheadish and worth it's own thread. From another and articled (linked here) referenced on another current thread on "Stealth Wealth": "You’ve reached junior financial independence status once your net worth has hit 20X your ...
by Leesbro63
Tue Jan 17, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54737

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Another article from Sam (Financial Samurai) on the topic was published yesterday, discussing some reasons he feels make it OK to loosen the purse strings. If you hit 3 of his 13 criteria, you're good to go. When Is It OK To Forsake Stealth Wealth And Spend Up? I meet 5 of the criteria, so I'm allo...
by Leesbro63
Mon Jan 16, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10686

Re: Why nobody understands importance of high-deductible insurance?

I carry a $1000 deductible in my car. Going to $2500 only saved about $150/year. Didn't seem like a good value. It very well could be a lot more than the $150 you see now in the premium difference. Take the case of your being "at fault" for damage of $2,000. If you file a claim and collec...
by Leesbro63
Mon Jan 16, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10686

Re: Why nobody understands importance of high-deductible insurance?

I carry a $1000 deductible in my car. Going to $2500 only saved about $150/year. Didn't seem like a good value.
by Leesbro63
Sun Jan 15, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1090

Re: Here, lt me help you.

sorry again. I keep mistaking the quote button for the edit button. Brain freeze
by Leesbro63
Sun Jan 15, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1090

Re: Here, lt me help you.

duplicate
by Leesbro63
Sun Jan 15, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1090

Re: Here, lt me help you.

sorry I goofed
by Leesbro63
Sun Jan 15, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1090

Re: Here, lt me help you.

As usual, all these "discussions" degenerate into 7 completely predictable responses. Front loader sucks. Front loader great. Top loader traditional sucks. Top loader traditional great. Top loader HE sucks. Top loader HE great. Speed Queen! What is so great about Speed Queen and why would...
by Leesbro63
Thu Jan 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1651

Re: Dishwasher Maintenance

delete/error
by Leesbro63
Thu Jan 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1651

Re: Dishwasher Maintenance

Probably http://www.affresh.com/our_products/affresh_dishwasher_cleaner - Affresh dishwasher cleaner It's listed in our Whirlpool dishwasher manual. Definitely do not run that with dishes inside the dishwasher at the same time. ---- just realized you said chemical, not product. in that case, it was...
by Leesbro63
Thu Jan 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1651

Dishwasher Maintenance

When our dishwasher was installed 4 years ago, the installer said to use some chemical every 6 months (I think) to prevent scale from building up on the heating element. We do have hard water and I see scale on the element. But I forget what he said to use. I think we did it for the first year or tw...
by Leesbro63
Fri Jan 06, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7182

Re: 500K milestone celebration

Congrats. I thought this was going to be a thread about keeping a car for 500,000 miles, which is ALSO Bogleheadish.
by Leesbro63
Thu Dec 15, 2016 3:49 am
Forum: Personal Finance (Not Investing)
Topic: End of lease - what to do for a car with low mileage
Replies: 21
Views: 1993

Re: End of lease - what to do for a car with low mileage

The "swap" idea sounds like a liability monster. Looking for trouble if your "swapee" damages the car, other property or, heaven forbid, a person. Due to the collapse of gas prices and maybe other factors, the Leaf has a very poor resale value. Therefore your best bet is to just ...
by Leesbro63
Wed Dec 14, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2682

Re: Fridge Water Filter Cartridges...A Scam?

I'm still hoping someone can answer this: Is it safe to leave a cartridge in there indefinitely?

Or, put another way, is leaving a cartridge in there indefinitely any less safe than just drinking water directly out of the tap, unfiltered?
by Leesbro63
Wed Dec 14, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2682

Re: Fridge Water Filter Cartridges...A Scam?

But is it dangerous leaving an old filter in there? Did your refrigerator come with a 'bypass plug'? Those are intended to go in place of the filter and allow the system to operate when you don't need filtering or already have something like a whole-house filter. I have no idea. It's 8 years old an...
by Leesbro63
Wed Dec 14, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2682

Re: Fridge Water Filter Cartridges...A Scam?

livesoft wrote:So, the OP didn't consult the previous long thread on fridge cartridges found on bogleheads.org before buying?


I am the OP. I bought the frig in 2008 and never gave this a thought.

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