Search found 339 matches

by NHRATA01
Wed May 04, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: MLM supplement friends, neighbors
Replies: 12
Views: 1008

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: 676

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: 811

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: 2080

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: 2080

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: 2080

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: 2080

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: 2080

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: 51
Views: 5030

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: 4046

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: 4046

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: 4046

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: 2525

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: 1584

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: 6269

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: 7901

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: 5934

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: 38
Views: 4828

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: 1201

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: 245

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: 1210

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: 1779

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: 3087

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: 25148

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: 25148

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: 1969

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: 25148

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: 1969

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: 5958

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: 5958

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: 5958

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:
by NHRATA01
Tue Feb 23, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 5958

Re: What kind of car do you drive?

2013 Mercedes S550----twin turbo V-8. After driving it, I now see why the Germans almost took over the world twice in the past 100 years. And I see the value of a German engineering degree over a U.S. engineering degree. :D *Ahem* Volkswagon was just a shining example of German engineering. Also do...
by NHRATA01
Mon Feb 22, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 25148

Re: Don't understand nutrition and exercise

This thread is kind of an example of how there's been some drastic changes in what is considered ideal nutrition these days. In fact there was a good article in TIME magazine a year ago or so with butter on the cover. I will not at all claim to be a nutritional expert. But here is what I do and work...
by NHRATA01
Fri Jan 29, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 34
Views: 1855

Re: 403b provider choices

Not sure of your location but as mentioned the NYS 457 plan is quite good, and very low cost. I chose this over my wife's district's OMNI 403b providers which were no better than yours.
by NHRATA01
Wed Jan 27, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 10171

Re: Is Nitrogen better than air?

Agree with everyone on the inanity of using nitrogen for car tires. On a related note, how one compresses the air into the tires makes more of a difference to moisture content than the nitrogen/air debate (or so I've read). The theory goes that tankless compressors allow all of the water vapor in t...
by NHRATA01
Wed Jan 20, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: 401K in this downturn?
Replies: 11
Views: 1208

Re: 401K in this downturn?

Unless you're retiring within a few years (in which case you should've been altering your asset allocation before this hiccup) stick to the plan. Anything in stocks/international, you're getting more shares for your money right now. :)
by NHRATA01
Tue Jan 19, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: eyeing micro-cap stocks
Replies: 39
Views: 2832

Re: eyeing micro-cap stocks

Far too ripe for manipulation, pump and dump schemes, company leaders diluting shareholders, etc. I played the game when pot stocks were hot 2 years ago and got burned "only" (depending upon your point of view) to the tune of about 6 grand. Lesson learned the hard way. Also it was kind of ...
by NHRATA01
Mon Jan 11, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to complete back door roth via online Vanguard?
Replies: 8
Views: 573

Re: Possible to complete back door roth via online Vanguard?

1. Open IRA account if you don't have one. 2. Fund the IRA. 3. Open the Roth account if you don't have one. 4. Buy what you want in the Roth using the funds in the IRA. This process. When you go to submit the transaction, Vanguard will alert you that this is a conversion. But yeah, pretty much as s...
by NHRATA01
Sun Dec 27, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 8549

Re: Age in Bonds

36, 77/23 stocks to bonds. I was doing age in bonds -10 for a couple of years, but now I've basically frozen it at 23% and will probably keep it there until I get close to 50 where retirement is somewhat in view. I honestly don't think I'd have the tolerance for 36% bonds when I'm in the prime accum...
by NHRATA01
Tue Dec 22, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 10623

Re: I would like to play the Boglehead car game too

2. benz cla 250. nice car, not especially expensive, built in hungary (as opposed to mexico or brazil). and you can take delivery in stuttgart! can get one for around 45k. this car states "we have good taste, like a nice german car, but are not flaunting our prosperity." Eh, to me its abo...
by NHRATA01
Fri Dec 18, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 10623

Re: I would like to play the Boglehead car game too

old cars are not nearly as safe as newer ones if you have the money, a newer car can save you from death or disability and you might get hit by a huge SUV while the driver is texting so buy a new larger safer car By that logic, you should buy a newer, even safer car every single year. Because newer...
by NHRATA01
Thu Dec 17, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 10623

Re: I would like to play the Boglehead car game too

old cars are not nearly as safe as newer ones if you have the money, a newer car can save you from death or disability and you might get hit by a huge SUV while the driver is texting so buy a new larger safer car By that logic, you should buy a newer, even safer car every single year. Because newer...
by NHRATA01
Wed Dec 16, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 10623

Re: I would like to play the Boglehead car game too

A car guy, but you want something presumably reliable and undoubtedly financially conscious based on your bogleheadedness. I would ask what spectrum of the car guy scale do you gravitate towards? More of a fine tuned piece of handling and engineering, like that S2K, or more of a knuckle-dragging mus...
by NHRATA01
Mon Dec 07, 2015 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 21277

Re: Who's buying Oil stocks?

I am thinking about reopening a position in VDE in the near future. I bought some around '10, logically, or illogically as a (perhaps emotional) hedge since I heat with oil and if oil goes up I pay more in fuel costs but my investment makes money, if it goes down I save real money but lose paper mon...
by NHRATA01
Mon Nov 23, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 7133

Re: Credit card hacked, what we learned

Don't feel violated because "your credit card got hacked". What got `hacked' is the intentionally very low security that the credit card companies have. It's not your money, it's the industry's fault, and the industry should bear all the costs of lax security on credit cards. However, sec...
by NHRATA01
Mon Nov 16, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403(b)
Replies: 10
Views: 1034

Re: Help with 403(b)

My wife is in a suburban NY district with Omni as the provider. Her choices are fairly similar to yours and not ideal either. They also dumped Vanguard and Fidelity after 6/2012, as by the time I got her set up they wouldn't accept new accounts through those providers. What you should look into is t...
by NHRATA01
Fri Nov 06, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 4422

Re: Is DIY Car maintenance that hard these days?

A straight 6 BMW 3-series (E36/E46 years) and 5-series (E90) you will probably be alright on as they are surprisingly simplistic. But when you start moving past the entry level modes (C/3/A4) they start getting real expensive to maintain. E90 is 3 series, 5 is E39, E60 and most recently F10 And I c...
by NHRATA01
Thu Nov 05, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 4422

Re: Is DIY Car maintenance that hard these days?

A used Suburban, with a non-Displacement on Demand/Active Fuel Management (aka cylinder deactivation) 5.3 LS-based V8 is actually a fairly straightfoward and reliable vehicle. Most of the routine maintenance and wear items - spark plugs included - are quite easy to do on that platform (or any of wha...
by NHRATA01
Mon Nov 02, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 8555

Re: Oil change - Auto shop or DIY

Bottom line: when your core competency is something other than changing oil, it is best to out-source. This is something you hear again and again in the engineering community, much to its detriment. The central idea is, that if you can't even do that, then what are you doing here in the first place...
by NHRATA01
Wed Oct 28, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 8555

Re: Oil change - Auto shop or DIY

I change it religiously at 3 months. That is a waste of money and resources (unless you're a taxi driver). How many miles is that? Follow your owners manual and the OLM (oil life monitor) and if you want to "feel better", change it at 15% life remaining instead of 5%. Your engine won't kn...

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