Search found 1151 matches

by Tamales
Sat Oct 21, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 5801

Re: Letter from CC company (Discover) re: current income

Perhaps this info would make the other info they have about you more valuable to sell to others (and be valuable itself). Why not just ask? Of course this is the reason they want this info. They aren't going to tell you that if you ask, and there's no penalty or enforcement for them lying about it....
by Tamales
Wed Oct 11, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with Walmart (associate stock purchase plan)
Replies: 8
Views: 600

Re: ESPP with Walmart (associate stock purchase plan)

Seems like way too much work just to get a paltry 270/12= $22.50 per month as a "bonus."
Personally, I'd pass.
by Tamales
Tue Oct 10, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2763

Re: Garage door opener on last leg

Thanks nickjoy. Since my rollers were >20 yrs old, I ordered some nylon sealed 13-bearing rollers ($14 for all 10 so I figured, why not), and found this video on replacing them: https://www.youtube.com/watch?v=VlajnxXjSNQ I didn't do it quite as quickly as the guy in the video, but I think replacing...
by Tamales
Tue Oct 10, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2196

Re: When to buy new tires? - penny or quarter test

For those who put low annual mileage on tires, the age of tires can be a safety issue - even if there is more than sufficient tread life left. OK, I'll cut you some slack since you said "can" be an issue. There is no scientific proof that age alone is a safety factor. Congress commissioned studies ...
by Tamales
Sun Oct 08, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1366

Re: what if I forget my security questions?

I've forgotten my security questions, so I call them up and they reset everything for me. It is really that easy. Then they send a letter to my address and tell me that they had someone call them up. I didn't try to change my address or anything, so I guess that's why they complied. Hmmm. That is s...
by Tamales
Fri Oct 06, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2763

Re: Garage door opener on last leg

I used to install garage doors, openers, entry doors, everything. Commercially and Residentially. My father owned a business from 1986 til about 4 years ago when he sold it for cost to my uncle who was working with him for 26 years. ... Sorry for the book. If you have any questions, let me know. Th...
by Tamales
Thu Oct 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2763

Garage door opener on last leg

My garage door opener (a Chamberlin chain drive, a bit over 20 years old) is on its last leg. Or, just past its last leg actually. Need to replace fairly quickly. As I have not looked at openers in over 20 years, I have no idea what to look for, or if there are some must-have new features in new ope...
by Tamales
Wed Sep 20, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4392

Re: Grass trimmer

I use a Stihl corded electric (abandoned previous gas Echo due to issues with pump gas, before I learned the TruFuel trick). It works fine and line reload is easy enough, but the cord has turned out to be more of a pain than I imagined. I'm probably going to get an EGO 56V once they go on sale at Ho...
by Tamales
Tue Sep 12, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7592

Re: Best Lower Cost USA Cities to Live

Broad-brush averages/medians for housing prices in large metro areas can really mislead. They all have ranges. Sometimes very wide ranges. A tool like the Trulia heat map of housing cost per square foot can give a more granular breakdown of various suburbs. for example in the case of Denver: https:/...
by Tamales
Tue Sep 12, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: NHTSA issues new report on self-driving car manufacturer responsibilities
Replies: 3
Views: 384

Re: NHTSA issues new report on self-driving car manufacturer responsibilities

This is the final guidance, not a proposal. If you drive on public roads, or are considering a new vehicle purchase, it affects you. There's no reason it has to be a political discussion. Just stay away from commenting on any perceived political motivation for this outcome, and focus on the actual o...
by Tamales
Tue Sep 12, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: NHTSA issues new report on self-driving car manufacturer responsibilities
Replies: 3
Views: 384

NHTSA issues new report on self-driving car manufacturer responsibilities

NHTSA's new guidelines: https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/documents/13069a-ads2.0_090617_v9a_tag.pdf (spoiler alert: purely voluntary) Curiously, a Google news search only brings up the positive stories. Plenty of those types of coverage available. But you have to dig a bit deeper for ...
by Tamales
Mon Sep 11, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47363

Re: Equifax customer information leak

Article: " Forget Equifax. Facebook and Google Have the Data That Should Worry You " https://www.bloomberg.com/news/articles/2017-09-11/forget-equifax-facebook-and-google-have-the-data-that-should-worry-you I'm not buying it - don't believe Facebook or Google have my SSN/DOB/DL/Address all in one p...
by Tamales
Mon Sep 11, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47363

Re: Equifax customer information leak

Article: "Forget Equifax. Facebook and Google Have the Data That Should Worry You"

https://www.bloomberg.com/news/articles ... -worry-you
by Tamales
Sun Sep 10, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security bend points/early retirement estimates
Replies: 17
Views: 2766

Re: Social Security bend points/early retirement estimates

Are there any explanations why my manually calculated PIA benefit is about $200.00 higher than the amount stated on my SS statement? A $200/month difference is a pretty big difference, so I would suspect there must be an error in your manual calculation. Can't say much more than that without knowin...
by Tamales
Tue Sep 05, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3607

Re: How do you track expenses ?

Like several others, I created a custom Excel Table, and then created pivot tables from that. How do you import transactions from accounts into the table with ease? I haven't bothered to try and see if there's a way to do that because there is zero chance the data I'd be importing from various acco...
by Tamales
Tue Sep 05, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3607

Re: How do you track expenses ?

Like several others, I created a custom Excel Table, and then created pivot tables from that. With the pivot tables, you have great flexibility in looking at any desired subset of expense categories, over any user-selected timeframe, and various ways to filter the data. The flexibility is important ...
by Tamales
Thu Aug 31, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 24
Views: 3782

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

Thanks for posting this. I really appreciate when articles like this give links to the sources for all the stats they are presenting. Life is really a series of decisions requiring use of probability and statistics, isn't it? I wonder how long-term care insurance would stack up if included in a char...
by Tamales
Wed Aug 30, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9045

Re: Living Expenses - what's "reasonable"?

Don't know if it has been mentioned yet, but BLS.gov has boatloads of living expenses data broken down in every imaginable way, including expenses specifically for retired people as one category. One of their tables I have saved is Table 1904, from the 2015 Consumer expenditures survey. Normally I c...
by Tamales
Sun Aug 27, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1474

Amazon "subscribe and save"

An item I buy from Amazon every 3-5 month (but not on a predictable timetable) is apparently no longer available except via "subscribe and save." That seems kind of silly, only allowing purchase via subscribe and save. Must be some new model they are trying out. In the past there was always the opti...
by Tamales
Wed Aug 23, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14005

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

It seems to me that DoctorE's post with cfiresim results (assuming all data entry was correct) shows all you need to see about whether Mr Bengen's claims hold up under actual market history.
by Tamales
Tue Aug 22, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Please post any good eclipse video links
Replies: 4
Views: 481

Re: Please post any good eclipse video links

This is pretty cool, showing the International Space Station streaking past the sun during the eclipse. https://www.flickr.com/photos/gsfc/36548067642/ It almost seems too perfect and coincidental, and makes me wonder if it's a doctored image. It must have been quite the camera rig and perfect setti...
by Tamales
Mon Aug 21, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Please post any good eclipse video links
Replies: 4
Views: 481

Please post any good eclipse video links

For those of us who worked today, and who came home to watch very disappointing eclipse coverage by the Science channel saved to DVR, have you come across any good videos posted online? I'd like to see some of the aerial shots, ground telescope shots, and there was suppose to be a cross-country chai...
by Tamales
Mon Aug 21, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5518

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

With a limited and fairly low maximum number of characters (which applies to many passwords), requiring numbers, lower and upper letters, and special characters does make sense from a probability standpoint.
by Tamales
Sun Aug 20, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3200

Re: Leasing a vehicle

RosieQ wrote:
Fri Aug 18, 2017 4:35 pm
The key is not being totally set on a particular vehicle.
Cited without comment. Because I don't even know how to respond to that as a key part of your strategy.
by Tamales
Sat Aug 19, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16056

Re: Jobs that pay over $100,000

I'm thinking it would be good to add a couple extra conditions to the question: Jobs that pay over $100k within the first 5 years in an average COL area AND Jobs that are unlikely (e.g. less than 10% chance) to be outsourced in the next 10 years AND Jobs that are unlikely to be replaced by computer/...
by Tamales
Sun Aug 13, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1786

Tub/shower/bath cleaners...your recommended products?

Beyond soap film, which just about any product can remove, what is your recommended product for tough jobs (like mineral deposits)? I used to use this product that I can't find anymore and can't remember the name. If I describe it, hopefully someone will reply with the name and once I see it, I'll r...
by Tamales
Sun Aug 13, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1457

Re: What the best identity theft co.?

I have a couple of these services, provided for free via companies that had a data breach. It seems some credit unions are now offering these things free or at reduced cost. It's not clear to me that they do any good. I get a monthly email from each one saying, no issues seen. One of them allegedly ...
by Tamales
Sat Aug 12, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4986

Re: What home task(s) are worth learning to do yourself?

Just about anything besides pouring concrete, replacing a tile roof, and replacing carpet in large areas is doable as a DIY project. Even drawing and getting plans approved for a room addition is a doable DIY project if you have some good references (person, book, reference plans). Nearly any smalle...
by Tamales
Thu Aug 10, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: World’s Largest Companies - Revenue vs. Market Cap
Replies: 6
Views: 712

Re: World’s Largest Companies - Revenue vs. Market Cap

Has there ever been a period in recent history (say 30 years?) where the 10 largest by market cap was not dominated by US firms? (I don't know; just asking)
by Tamales
Tue Aug 08, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Why do graphical comparisons of mutual fund trailing returns change with the length of the time horizon?
Replies: 18
Views: 1340

Re: Why do graphical comparisons of mutual fund trailing returns change with the length of the time horizon?

I think something even better than a "Growth of $10,000" chart would be a "Cost of $100,000" chart. Would love to see that be a clickable option at morningstar (or even better, the default). The right hand endpoint of such a chart would be today's date (or whatever endpoint is selected), with a val...
by Tamales
Sun Aug 06, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 39
Views: 3574

Re: What criteria warrants a need for Living Revocable Trust?

Regardless of the ease of probate question, if you are not married, but for example have several adult kids and/or want one specific trusted person/relative to control the sale of your house and how the proceeds are distributed, without disputes among relatives, or if you have a particular primary/s...
by Tamales
Sun Aug 06, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 35
Views: 60418

Re: What to do if someone is using your home address?

Earlier this year I started receiving (postal) mail addressed to my home address but sent to a person I've never heard of. The amount of mail I'm receiving, addressed to this person, has increased lately. Now it could be that someone randomly picked my address and randomly picked that name, for som...
by Tamales
Fri Aug 04, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 2855

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

Shortly after I heard these Paul Singer comments mentioned on CNBC this morning there was a commercial from Fisher Investments. Their new approach is to shame you away from mutual funds. I don't remember the exact words, but the message was that mutual funds were just training wheels, back when you ...
by Tamales
Mon Jul 31, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 3318

Re: Dinner plates that do not get so hot after microwaving?

Yep, the "microwave safe" label does not mean the plate (or whatever) won't get hot. Some of them get very hot. I thought microwave safe had to do with leaching toxic chemicals but an online search shows the definition is unclear. All sorts of "internet theories" on why plates/mugs/dishes get hot, b...
by Tamales
Sat Jul 29, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2094

Re: Why are there RMDs on ROTH 401ks?

And here's a related old thread with some interesting discussion: https://www.bogleheads.org/forum/viewtopic.php?t=76458 Among other things, sscritic suggests that RMDs are applicable to all employer-sponsored plans. If this is a generally accepted and long-standing truth among members of Congress, ...
by Tamales
Sat Jul 29, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2094

Re: Why are there RMDs on ROTH 401ks?

Does anyone happen to know the actual reason (a cite would be extremely valuable to me) that ROTH 401Ks were made subject to RMDs? To be clear I am not looking not discuss politics or theories but looking for the actual reason and not conjecture. ... Any assistance you care to afford in this matter...
by Tamales
Sat Jul 29, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 2881

Re: Auto Battery

Apparently many/most modern cars (~2000 and newer) have a relatively significant parasitic current draw to maintain various electronics when the car is idle. Combined with a lot of short trips, the battery doesn't completely recharge and over time it dies earlier than you'd expect. I had been on the...
by Tamales
Fri Jul 28, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate: gross or net?
Replies: 56
Views: 3403

Re: Savings rate: gross or net?

Calculation I use for the dollar amount of savings (e.g. for 2016): [gross wages from 12/31/16 paystub] – [2016 OASDI taxes from 12/31/16 paystub] - [2016 Medicare taxes from 12/31/16 paystub] - [2016 State taxes from 12/31/16 paystub] +[State tax refund (or minus amt owed to state) from state tax f...
by Tamales
Fri Jul 28, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5318

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

As a CFP, he must/should be aware that at 0.16% return, he is losing to inflation. 1210 Intent is to consider the impact (volatility reduction and perhaps psychological effects therein) on overall portfolio, not the cash piece in isolation. A cash position used to be a standard,recommended part of ...
by Tamales
Wed Jul 26, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6805

Re: Where to View Total Eclipse? - Kansas City

INTERNET ~ Watch the eclipse from space/earth on August 21st: https://www.nasa.gov/eclipselive [/size] .... Thanks for that link. Here's a link to an interactive map where you can click on a location to get the exact time of peak eclipse: http://www.eclipse2017.org/xavier_redirect.htm From that map...
by Tamales
Wed Jul 26, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6805

Re: Where to View Total Eclipse? - Kansas City

Check out Two Rivers Park - it is on high ground (relatively speaking) and has a fair amount of open space. It is near the airport. Thanks. Any special suggestions several miles north of Nashville, closer to the midpoint? I think north of Hendersonville... for the center? There are only 2+ minutes ...
by Tamales
Wed Jul 26, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6805

Re: Where to View Total Eclipse? - Kansas City

FYI Article: NASA "eclipse jets" to make the total solar eclipse last nearly 3 times as long
http://www.businessinsider.com/total-so ... ets-2017-7
by Tamales
Tue Jul 25, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can we create a Wiki entry on ACH transfers?
Replies: 15
Views: 2179

Re: Can we create a Wiki entry on ACH transfers?

Here are a few links to info that might be of value. "ACH debits become eligible for same-day settlement with the implementation of Same Day ACH Phase 2 on Sept. 15, 2017." more info: https://www.nacha.org/news/ach-operations-bulletin-2-2017-same-day-ach-and-debit-processing Financial Institutions S...
by Tamales
Sun Jul 23, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11948

Re: What's your personal savings rate?

There's no consensus on what should be included because this number isn't really important. Like any of these types of numbers, it depends. Its importance has a time-dependency. Say you are within 5 years of hitting your target portfolio amount for early retirement, and maybe you want to back off y...
by Tamales
Sat Jul 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1150

Re: if spreadsheet with account balances goes to hackers?

Every bit of your personal information has value to someone. Maybe nefarious, maybe just annoyance (and it may not be used until some time in the future, when something about your life changes). If the info is not useful to the first group that gets it, they'll sell it to someone else. Maybe they in...
by Tamales
Wed Jul 19, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 6310

Re: My Costco/TrueCar auto shopping experience

Based on this, I doubt I'd even mess with Costco in the future... A sample of one isn't usually a good way to make decisions. The prices (for the same car in the same zip code) vary over time. That's true of truecar prices too. In fact a given car configuration on a given date can have a huge varia...
by Tamales
Mon Jul 17, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2786

Re: How Much Would You Spend on a Blender?

In addition to steaming hot soup, the vitamix also makes frozen ready to eat ice cream! I'm not into juicing, but if you are, you don't need a separate juicer. I make peanut butter with no additional oil, sugar or salt. Juicing is a different process. What you get out of a blender when you throw in...
by Tamales
Sat Jul 15, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9336

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats on being within range of your 25x target. Would you mind providing a little detail on what factors and analysis tools you considered in persuading yourself that 25x expenses was the right number for you? What age are you using as your age at death, and what age do you plan to begin collecti...
by Tamales
Sat Jul 15, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 4606

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

The blue line is your 50% cash/50% stocks portfolio, portfolio 1 The red line is 50% Total Bond, 50% stocks, portfolio 2. What is the cash portion represented by? I wish there were a 5 year CD index with long history and represented by 90th percentile 5 yr CD rates in each year, but unfortunately t...
by Tamales
Sat Jul 15, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Panel discussion on HSAs (health savings accounts)
Replies: 0
Views: 252

Panel discussion on HSAs (health savings accounts)

Took place last week. Covers background, pros and cons, what are qualified expenses and what are not, tax implications, statistics on participation, etc., and thoughts about changes.
https://www.c-span.org/video/?430940-1/ ... s-accounts