Search found 4583 matches

by Leesbro63
Thu Feb 23, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 28
Views: 3008

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 the 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: 57
Views: 3100

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: 27
Views: 3550

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: 5
Views: 373

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: 1160

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: 57
Views: 3100

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: 57
Views: 3100

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: 3548

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: 300

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: 542

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: 874

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: 874

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: 874

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: 874

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: 874

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: 1383

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: 1340

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: 1385

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: 2487

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: 2487

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: 1160

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: 2254

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: 54259

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: 3938

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: 54259

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: 1903

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: 1903

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: 54259

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: 10597

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: 10597

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: 1077

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: 1077

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: 1077

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: 1077

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: 1649

Re: Dishwasher Maintenance

delete/error
by Leesbro63
Thu Jan 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1649

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: 1649

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: 7160

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: 1987

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: 2676

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: 2676

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: 2676

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.
by Leesbro63
Wed Dec 14, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2676

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

I have never replaced mine in over 5 years. My city has good water. I don't know what it would filter out. It seems like an unnecessary feature for me. In some parts of the country, it might be a nice feature. Same here, as stated in my original post. But is it dangerous leaving an old filter in th...
by Leesbro63
Wed Dec 14, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2676

Fridge Water Filter Cartridges...A Scam?

Is this a scam or what? I have a Kenmore fridge, purchased in 2008, that's been total junk. I pay about $100 a year for a "service contract" and Sears loses big every year. One repairman said my unit is actually made by LG. All of that being said, my question is really about the water filt...
by Leesbro63
Tue Dec 13, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: How Does Hospice Work?
Replies: 38
Views: 3709

Re: How Does Hospice Work?

This discussion has been incredibly valuable to me. I never realized how hospice works.
by Leesbro63
Tue Dec 06, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 164
Views: 19386

Re: Retirement with $8M in investments

Isn't the better question: at what ratio of nest egg to expenses should you feel wealthy?
by Leesbro63
Sat Dec 03, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Forget the 4% safe withdrawal rule -- use RMDs instead.
Replies: 46
Views: 5838

Re: Forget the 4% safe withdrawal rule -- use RMDs instead.

People complain about RMDs because they don't want to spend more money. At a certain point people spend what they want to spend. They aren't going to spend 20k more just because they have the money. After 70+ years of living, people are comfortable with where they are. I never understood why RMDs a...
by Leesbro63
Fri Nov 25, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5417

Re: Which Credit card for a large one-time expense?

I agree with all of the last post except the final line. The difference between Vegas and and the credit card game is that the player actually has some control (with the credit card game) The way the banks make money on credit cards, with or without big bonuses, is by enticing cardholders to pay int...
by Leesbro63
Tue Nov 22, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: If I won the game, how to play the next phase?
Replies: 27
Views: 4487

Re: If I won the game, how to play the next phase?

If one has REALLY won the game then I would think the next phase would be only CDs and money market. Not in your 50's with good health I don't necessarily disagree. I guess we are all in different situations. I am about to turn 70 and in more than excellent health. My problem is spending some of wh...
by Leesbro63
Tue Nov 22, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: If I won the game, how to play the next phase?
Replies: 27
Views: 4487

Re: If I won the game, how to play the next phase?

Now this is a case where market timing might actually come into play. And by that, I don't mean your asset allocation. What I'm saying is that historically, the worst times to retire early are right before a large recession/bear market. The 5% failure of the Trinity study focuses on those events. A...

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