Search found 358 matches

by NHRATA01
Thu Jul 14, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3799

Re: Yahoo Finance redesign

I'm with you, can't stand the new design. I'm sure it was geared towards ad revenue since Yahoo in general is in the toilet and they're trying to sell the company. CNNMoney likewise went to the dumps about a year ago. These are cases where going back to the 1996 version of a basic financial news pag...
by NHRATA01
Thu Jul 07, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Broker - Fidelity- According to Kiplinger's
Replies: 10
Views: 843

Re: Best Online Broker - Fidelity- According to Kiplinger's

I think most on here will acknowledge that from a pure "brokerage" standpoint, Vanguard isn't the best. In other words if you plan to trade, you are probably better using Fidelity, eTrade, Ameritrade, etc. I've been very happy with Ameritrade for a number of years. What Vanguard is ideal f...
by NHRATA01
Thu Jul 07, 2016 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 993

Re: Employer contribution-yearly vs biweekly

The disadvantages to the employee are advantages to the company. They've certainly weighed these options and it's highly unlikely you're going to change anyone's mind. And since that system is already in place, it's additional cost for them to change it. You'd need to make an exceptional business c...
by NHRATA01
Thu Jul 07, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 993

Re: Employer contribution-yearly vs biweekly

I don't think you're going to convince them to change. By paying the match annually instead of weekly like most companies, they save money by not having to pay anyone who leaves the company prior to the March match payout. At companies with high turnover, this can be a very substantial amount of mo...
by NHRATA01
Wed Jul 06, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8282

Re: synthetic oil changes

Not directed at anyone in particular (far from it, my eyes glaze over,) but, would you really trust "some guys on the internet" to tell you when to change your oil, and with what, when the owner's manual is clear on it? This never ceases to amaze me. I would not dispute that the owner's m...
by NHRATA01
Tue Jul 05, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8282

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. If you want my more general advice, I would say this for a vehicle with years of desired longevity - on a modern direct-injected vehicle (particularly turbocha...
by NHRATA01
Tue Jul 05, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8282

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. As I've referenced on this forum before, the "PhD's" and "highly experienced automotive engineers" aren't infallible either. GM has had TSB'...
by NHRATA01
Wed Jun 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1331

Re: Complicated Situation with Father (Future Care)

AFAIK, Medicare does not cover anything unless you first have 3 admitted days (calendar days?) in the hospital. Then it may depend on whether you are improving or some such restrictions. If he is a veteran, there may be some help there as well. There is a very recent thread on a similar topic that ...
by NHRATA01
Wed Jun 29, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1331

Re: Complicated Situation with Father (Future Care)

My father passed a month ago at 70, after living alone probably a little longer than he should've (which only hindsight revealed to me) and taking a fall in January, then spending 5 months in nursing/rehab facilities. Here's some things I learned that may help. You absolutely need to get his power o...
by NHRATA01
Thu Jun 16, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: getting married/divorced- affects on portfolios, IRAs etc?
Replies: 16
Views: 1326

Re: getting married/divorced- affects on portfolios, IRAs etc?

Suppose 'Bob' works and contributes to an IRA at work. Then in his 40's when he has a substantial balance built up, he gets married. 2-3 years after marrying, he ends up divorcing (for whatever reason). Question is: is his spouse entitled to 1/2 of his IRA if he contributed all the funds in it to b...
by NHRATA01
Wed Jun 15, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?
Replies: 4
Views: 623

Re: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?

I'm curious, is there any way once doing a 1035 to a Vanguard annuity, can you somehow transfer the account away from an annuity and to a typical tax deferred account, IRA or rollover to a 401/457/etc? What are the options to get out of an annuity plan? Long story short I ended up setting up a 403b ...
by NHRATA01
Mon Jun 13, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: investing in platinum
Replies: 19
Views: 1655

Re: investing in platinum

Do this first. Go to Apmex and click on historical charts on the right. Click 5 year. Realize that ignoring inflation, an investment in platinum 5 years ago is worth half today. At the top of the chart, click gold. Click 5 year again as it reverts to 6 months. Gold did better, only dropping from $1...
by NHRATA01
Mon Jun 13, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3205

Re: 3 Row SUVs - Help Educate Me

Regarding the Acadia, be aware the "old" large '16 Acadia is available for a couple more months concurrently with the "new" '17 Acadia which has shrunk notably in size. I believe the new Acadia has an option for a 3rd row but quite cramped in size vs the older model. Don't ask wh...
by NHRATA01
Tue Jun 07, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Utility Stocks - Why doing so well?
Replies: 21
Views: 2343

Re: Utility Stocks - Why doing so well?

jhfenton wrote:I agree. I would guess yield-chasing.

I would think yield chasing, but I would also think utilities are probably having slightly better profit margins now with natural gas and coal prices being extremely low.
by NHRATA01
Mon Jun 06, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3885

Re: Best AWD Sedan/Coupe?

AWD certainly helps with snow handling. If you know what you are doing with the throttle, you can keep the front end from plowing as it will on a FWD car, and most definitely keep the tail from coming around on you on a RWD. As for stopping, little will help you there other than allowing plenty of s...
by NHRATA01
Mon Jun 06, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3885

Re: Best AWD Sedan/Coupe?

Have you considered a Buick Regal? A fully loaded AWD GS, you can probably get into for mid-high 30s, or a couple grand less for the non-GS models (which incidentally have the same engine). If you were looking at Cadillacs, I'm assuming that was the ATS. Regal will be 10-15K cheaper equally equipped...
by NHRATA01
Tue May 31, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Non-Spouse Inherited IRA RMD clarification
Replies: 1
Views: 215

Non-Spouse Inherited IRA RMD clarification

Hello, Hoping for a little clarification on RMD rules. My father turned 70 1/2 in January and passed this May. By coincidence of timing, only days before he passed I had withdrawn $10K to prepare to begin making nursing home payments, which did not come to pass. That was the only amount withdrawn fr...
by NHRATA01
Fri May 20, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1713

Re: Food waste because of date labeling

I have a problem with DW on this. She insists the 'sell by' date on packages means 'eat by'. As do I, and not just food. I've had to make a hidden stash of OTC allergy/pain meds just because she'll toss a bottle of Advil after it's sell by date. Smell/sight test is good enough for me with taste as ...
by NHRATA01
Fri May 06, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 2406

Re: What is considered Inside information?

What is making her want to buy the stock? If you answer something like "because our daughter works there and she hears things in the company are going to turn around" you've entered dangerous territory. That's still really vague. Realistically any company going through difficulties is goi...
by NHRATA01
Wed May 04, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: MLM supplement friends, neighbors
Replies: 12
Views: 1294

Re: MLM supplement friends, neighbors

A firm "Thanks but I'm not interested". The product may even be decent. That's not the problem. If you buy from them, you'll get the never ended pitch to "join their team", filled with stories about being debt free, your own boss, running your own business, etc etc. While the rea...
by NHRATA01
Mon May 02, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Advice on 'LifeLock'
Replies: 6
Views: 805

Re: Advice on 'LifeLock'

I think the kicker for me was when the CEO had his information stolen a dozen times!
by NHRATA01
Mon May 02, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: New job, rolling over 401K
Replies: 11
Views: 926

Re: New job, rolling over 401K

Similar to the 3rd post and point #3, I have to ask if rolling it into an IRA is the best option. First would be to consider the quality of the existing 401K and future 401k, with respect to expenses and fund availability. I switched employers last summer but previous employer was a Fortune 20 with ...
by NHRATA01
Thu Apr 28, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2312

Re: End of life situation and handling IRA

Just an update - again profuse thanks for all replies and assistance. I did the most logical thing at long last, of course, which was to call Fidelity and they were most helpful, and maybe this information will be useful to someone in the future. They do have POA forms online to print, there is a sp...
by NHRATA01
Thu Apr 28, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2312

Re: End of life situation and handling IRA

There have been valid concerns in these posts but also some misinformation. Many of your issues are state specific. So even though the posters answers may be accurate in their state, they may not be accurate in yours. Both POA's and probate laws are state specific. Several states now have a standar...
by NHRATA01
Thu Apr 28, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2312

Re: End of life situation and handling IRA

Can you arrange for his RMD to be distributed now, and use some of those funds to prepay funeral expenses for him? This is what I would ideally like to do, to make a distribution to his checking account in preparation of funding expenses, whether they be for funeral or long term/end of life care. H...
by NHRATA01
Thu Apr 28, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2312

Re: End of life situation and handling IRA

I am executor of his estate from past knowledge of his will as mentioned in discussion, but have yet to find a copy This is critical. While you dad is still cognizant, find out if he has a will and where it is. Perhaps with the attorney who drafted the will. If no will, his separated wife will prob...
by NHRATA01
Wed Apr 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2312

End of life situation and handling IRA

My 70 year old father has been in poor health for sometime, and while the news changes every day I'm potentially faced with an end of life situation over the next few months due to cancer. I could use some guidance about how to handle his IRA, things that aren't easily found in a google search. Here...
by NHRATA01
Mon Apr 25, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 54
Views: 6187

Re: Total Bond vs Municipal Bond Funds

If I were in your situation, I would buy CDs (check depositaccounts.com) because they have a higher expected yield than government bond funds right now and you can potentially break the CD if interest rates go way up. I second the idea of using CDs, perhaps with a portion of your fixed income in a ...
by NHRATA01
Wed Apr 13, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4465

Re: Preventative car maintenance?

Trying to decide if/when to do timing belt and water pump replacement on '98 Camry 6 cyl with 73,000 miles. Bought if privately (from longtome friends) last year. They bought it as demonstrator in 1998 and put few miles on it and took good care of it. Are there any "warning signs" of eith...
by NHRATA01
Wed Apr 13, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4465

Re: Preventative car maintenance?

I would like help maintaining a 2006 RAV4 with 150k miles. There is conflicting information online that also doesn't agree with the scheduled maintenance guide (which ends at 120K miles). Specifically brake fluids, which many sources say never needs replacing ir flushing but only inspecting, but ot...
by NHRATA01
Wed Apr 13, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4465

Re: Preventative car maintenance?

If it happens on the freeway it could be very dangerous. You lose most steering control when it happens. Not to say you should neglect the serpentine belt, but losing power steering should not result in loss of control- especially at highway speeds where the power steering boost isn't really needed...
by NHRATA01
Thu Apr 07, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 2864

Re: Concrete or Asphalt driveway?

We had asphalt when we lived in Upstate NY. I had to seal it every few years and it did crack a bit and settle in spots. I didn't know anyone who did not have asphalt. In Michigan, everyone in our neighborhood has concrete. We have owned our home for 25 years and have never done an ounce of mainten...
by NHRATA01
Mon Apr 04, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1806

Re: Cars with low profile tires

Thank you all. One of my issues is that I got the 19" not the 18" wheel package. I have been much more careful around potholes. And yes I agree it does depend on where you live and maybe around NYC it wasn't a brilliant idea to get these tires. Sounds like I shouldn't just get another set...
by NHRATA01
Mon Apr 04, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 7101

Re: led vs cfl

I have quite a few CFL's still in service, as once I moved into my own place in '01 I always bought energy efficient bulbs where possible. I really can't complain about my CFL experience, I have not had many die early. I have two in living room lamps that are going on 12 years now. One over my kitch...
by NHRATA01
Mon Mar 28, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 8419

Re: Your first $100k

Well my first 100K didn't last long! Let me expound... I finally hit ~100K right about in '08 near the market peak, I was 28 years old. 3/08-3/09 we were working on buying a house, so when preparing for the loan and listing assets I got to see my portfolio plunge from 100K to just about 40K by 3/09....
by NHRATA01
Mon Mar 28, 2016 8:16 am
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 6572

Re: Anyone else feeling a correction brewing?

I won't try to time the market regardless. But a potential speculative counterpoint: US-centric - US job growth is steady and finally some wage growth - Data looks as if consumer spending is doing well - Lower energy prices should aid both consumer and corporate spending (should also help keep food ...
by NHRATA01
Thu Mar 17, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 43
Views: 7063

Re: Well, I caved [bought new car]

Certainly nothing wrong with a new car. Yes a perfect Boglehead world would be to buy a 2-3 y/o off lease Toyota and drive it for 200K miles needing nothing but tires and oil. Doesn't always work out that way. With bumper to bumper covering you for 3 years and many powertrain warranties at 5 years, ...
by NHRATA01
Thu Mar 17, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Options for Teachers
Replies: 18
Views: 1405

Re: 403(b) Options for Teachers

I got forced into AXA for my wife's plan. It's not great from a fee standpoint, though I've seen worse. S&P index is 0.62 and $40/annual (20 x 2) admin under x dollars. However beware the early surrender charges can be quite stiff should you close the account and transfer the money elsewhere. I ...
by NHRATA01
Tue Mar 15, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade: New account doing margins by accident?
Replies: 2
Views: 329

Re: TD Ameritrade: New account doing margins by accident?

I upgraded to a margin account a couple of years ago. You definitely have to apply and go through the process, usually takes a couple days to get approval. I'm not sure how he could've managed to do that without being aware of it.
by NHRATA01
Mon Mar 07, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio with IBM 401k Review Request
Replies: 9
Views: 1349

Re: Portfolio with IBM 401k Review Request

Just for clarification as I still hold a 401K in IBM's Fidelity plan - those Core and Expanded funds with the OJxx tickers are unitized (aka fund of funds) administered by Vanguard, so you won't find the ticker in any sort of quote lookup. Also it's splitting hairs but I'm seeing the ER's for TSM at...
by NHRATA01
Mon Mar 07, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 26
Views: 2042

Re: Riding Lawn Mower

All, Thank you so much for all the varying points of view. Basically I'm replacing a hard used - if not abused, completely worn out, 12 year old Craftsman 48" lawn tractor (used only for cutting grass) and thought, well go for a Deere replacement that I could put a blower on it once my push mo...
by NHRATA01
Tue Mar 01, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3357

Re: Meineke ok for oil changes?

You get what you pay for. Even the independent mechanic isn't likely to be doing the oil changes. It's assigned to the new kid in training at most shops, hence the horror stories. At some places, the new kid changes every other week. Some independent mechanics might do oil changes themselves, but e...
by NHRATA01
Tue Mar 01, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27952

Re: Don't understand nutrition and exercise

Satiation wasn't even brought up, but is another valid point. Regardless a couple reasons you can't use calorie in vs. calorie out: 1)your body will expend more energy to metabolize 100 calories of protein then it will 100 calories of carbohydrates. 2.) Even those whole grains will be metabolized i...
by NHRATA01
Tue Mar 01, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27952

Re: Don't understand nutrition and exercise

Calories in, calories out. That's it. Everything else in between is a lie. Again I have to say, respectfully, that is old and simplistic thinking. The body physiologically handles different calories in different manners. 100 calories of protein will have a different effect than 100 calories of carb...
by NHRATA01
Mon Feb 29, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Winter Tire Tips
Replies: 30
Views: 2206

Re: Winter Tire Tips

You should not be using an impact wrench to tighten/remove lug nuts (if you need an impact wrench to remove them, they're on too tight!). Make sure you torque your lug nuts properly in a star pattern. My manual says 80ft-lbs, so that's what I set my torque wrench to and check again after 50-100 mil...
by NHRATA01
Mon Feb 29, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27952

Re: Don't understand nutrition and exercise

Calories in, calories out. That's it. Everything else in between is a lie. Again I have to say, respectfully, that is old and simplistic thinking. The body physiologically handles different calories in different manners. 100 calories of protein will have a different effect than 100 calories of carbs.
by NHRATA01
Thu Feb 25, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Winter Tire Tips
Replies: 30
Views: 2206

Re: Winter Tire Tips

Do you do them or do you have a shop do them? If you do them, invest in a cordless impact gun. It is a real gift from the heavens for changing wheels. I haven't ever used winter tires, all seasons have always been fine in negotiating the snow with the wife's AWD vehicle as a backup. But if I were to...
by NHRATA01
Wed Feb 24, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 6553

Re: What kind of car do you drive? [Looking for new car]

I just need a car that... has decent speed... I'm just wondering which cars sold in modern-day America fail to meet this criteria. Is my Prius "indecent?" :confused There can't be many cars on the road with less power, but the highest speed limit I've ever seen is 75 mph somewhere out in ...
by NHRATA01
Wed Feb 24, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 6553

Re: What kind of car do you drive?

Have a '98 BMW M3 in the driveway that I haven't driven in a year (not paying insurance on it). Needs new suspension, interior work, ... Only ~95k miles. Not sure if I want to dump it or donate it. Unless you really are drawn to the charitable donation, I would probably find the appropriate M or 3-...
by NHRATA01
Tue Feb 23, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 6553

Re: What kind of car do you drive?

To answer the OP

2012 Buick Regal GS for a mildly amusing daily driver

2010 Chevy Traverse for the wife and to haul the 3 kids around.

2001 Trans Am bought new fresh out of college, with few remaining stock parts, to have the real fun with :mrgreen:

Go to advanced search