Search found 370 matches

by NHRATA01
Fri Aug 26, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 28
Views: 1731

Re: Where to mount winter tires?

I'm fascinated about the winter tire thing. Where do you all store them? I read that for best practice you should store them in airtight bags in a climate contrlled space. I just don't see a set of 4 wheels fitting anywhere in my house. Maybe its a neat decor idea for our boys room though... I don'...
by NHRATA01
Tue Aug 23, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1074

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Mon Aug 22, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1074

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Fri Aug 19, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1074

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable.
by NHRATA01
Wed Aug 10, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3231

Re: Are bonds necessary for young investors?

I find the value at 36, to be twofold. 1) to blunt the impact of market corrections (I still watched my portfolio drop by over 50% in '08 and '09 with a 20% bond allocation) 2) to have something to re balance from. Bonds tend to run up when the market tanks. If you're sticking to say, an 80/20 alloc...
by NHRATA01
Wed Aug 10, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 7772

Re: Anyone have A/C fail on an older Honda CRV?

Our 2004 CR-V blew the compressor at about 60k miles. The dealer we brought the vehicle from covered the parts under warrantee and labor was in the $400 range. The only other non standard item that I had replaced was the oxygen sensor in the fuel system. Talking to the mechanic I may have been the ...
by NHRATA01
Tue Aug 09, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 7772

Re: Anyone have A/C fail on an older Honda CRV?

I never dreamed fixing the A/C was one of the most expensive auto repairs there is. I'm wondering where it falls on the list of major $$ repairs -- right behind a rebuilt engine? It's only cool AIR for geez sake! The evaporator is buried in the dash and on most cars necessitates dismantling the das...
by NHRATA01
Tue Aug 02, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2998

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by NHRATA01
Mon Aug 01, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2098

Re: Edelman on Muni's

Possibly broaching the scope of this board here, but I'd have to think there would not be a good motivation for the federal government to remove the tax exempt status of munis - doing so would certainly ding the demand for municipal debt and make it harder for municipalities to secure financing. You...
by NHRATA01
Mon Aug 01, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2998

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past.
by NHRATA01
Mon Aug 01, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for high dual income family
Replies: 8
Views: 1565

Re: Investing help for high dual income family

Just a couple clarification points/questions... Perhaps a typo, but max deferment for '16 is now 18K, not 17k. I see you say you are maxing your 403/457 each. Are you aware that if you are eligible for both plans as an individual, you can max 18k in a 403 and another 18k in a 457 for the same person...
by NHRATA01
Mon Aug 01, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2098

Re: Edelman on Muni's

What's the logical reason for him thinking the federal (and state BTW) exemption will be rescinded? Is this a pie in the sky scenario or has this been raised in our recent circus we call the election? I hadn't ever seen it suggested but certainly could be something I missed.
by NHRATA01
Thu Jul 14, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3952

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: 877

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: 1013

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: 1013

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: 8483

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: 8483

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: 8483

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: 1349

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: 1349

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: 1353

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: 639

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: 1712

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: 3289

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: 2388

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: 3994

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: 3994

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: 219

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: 1743

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: 2441

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: 1317

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: 817

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: 951

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: 2343

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: 2343

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: 2343

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: 2343

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: 2343

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: 66
Views: 7824

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: 4531

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: 4531

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: 4531

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: 2948

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: 1848

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: 7273

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: 8525

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: 6669

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: 7128

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: 1451

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 ...

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