Search found 462 matches

by fandango
Sun Oct 01, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1755

Re: Equifax Liability

by fandango
Tue Sep 26, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1755

Equifax Liability

I just found out that I was on the Equifax list of those possible "impacted" by the data breach. In July , my credit card number was used in Istanbul Turkey to purchase $180 of various goods. I haven't been there for 20 years. I had to get a new credit card, change all the accounts where I use my cr...
by fandango
Tue Sep 19, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental - BCBS vs United Healthcare
Replies: 6
Views: 624

Re: Medicare Supplemental - BCBS vs United Healthcare

Personal observation: Been with BC/BS for 5 years. Never had a single problem with claims administration. In fact, the only issue that I have ever had with Medicare was when the doctor's office mis-coded some procedures/visits. This was quickly corrected by Medicare and BC?BS once the received the c...
by fandango
Mon Jul 24, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3585

Re: Home Security System with/without monitoring

I pay $179 per year for monitoring and get a $200 discount on my home insurance policy for having a monitored system. Check to see if you can get a discount from your insurance policy. We have only had one false alarm in 10 years. I was in Mexico, and my wife left the house to walk the dog and forgo...
by fandango
Sat Jul 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1733

Re: Career Advice

My question for you:

Have you ever taught before? If not, how do you know that you would like it?

Why not shoot for a job in a small to medium size company and teach part-time to see how you will like it?

Teaching is not always what you think/dream it will be.
by fandango
Sat Jul 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 6340

Re: My Costco/TrueCar auto shopping experience

I use the True Value price as one of several benchmarks and go to the dealer with my target price. My most recent purchase was $2,000 below the True Value price with lots of other goodies thrown in (like free maintenance for 5 years, lifetime oil changes, window tinting, etc.). It was $500 dollars b...
by fandango
Wed Jul 12, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 7652

Re: Personal loan to a family member

We have loaned money to a relative in what we thought was "dire straits". One of our relatives lost his job, and our entire family loaned him money to help his family out. This continued for several years. Eventually he found work again. We have recently discovered he had significant property assets...
by fandango
Wed Jul 12, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 3672

Re: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others

I have invested with Vanguard for almost 45 years. My biggest concern about Vanguard is deterioration in customer service as the company gets larger. I have begun to see it in minor ways already: missed appointments with customer, failure to rapidly respond to technical questions, no continuity of k...
by fandango
Sat Jul 08, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8168

Re: Switch to federal job?

When benefits are considered, federal jobs pay 30 to 40% more than the private sector. [OT comment removed by moderator prudent]

However, very difficult to get things done and get rid of poor performers. It can be very frustrating for former private sector with any initiative.
by fandango
Thu Jul 06, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 4253

Re: Buy a vehicle cash or finance?

Be sure to check all the fees with the 0% loan from Subaru. Sometimes a few things are added here and there (I have seen $2000) to get the loan.
by fandango
Thu Jul 06, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5584

Re: Verizon- Why do they treat old customers worse?

I renegotiate my Comcast deal every year. I currently pay $129 for a bundle (telephone, internet, and HD TV). When the rate goes up, I call them that I would like to stay with Comcast, but the rate is too high. I compare it to a rate for a new AT&T customer. They cut the rate to where it was before ...
by fandango
Thu Jun 22, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4580

Re: Turbochargers

What about the cost of maintaining the turbo? Surely that is a continuing expense if you own a vehicle with a turbo charger?

Knowing dealerships and garages, I am sure they want to check them out once per year at around $100 a pop to examine functioning, potential deposits, etc.
by fandango
Thu Jun 15, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4580

Turbochargers

I have noticed a number of new cars that I am interested in now have turbochargers as standard equipment (eg. Honda CRV). Seems to be a trend in the auto industry.

What are the pro's and con's of turbochargers? Any comments on maintenance and reliability?

Thanks.
by fandango
Tue Jun 13, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 8202

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Usually salary history information appears on the application somewhere. If not, a good recruiter will get that information over an initial telephone screening review. I was an HR Director for a large corporation for over 40 years and never saw the situation that you described. What if the peer pres...
by fandango
Wed Jun 07, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 14961

Re: GEICO auto rates vs. USAA: too good to be true?

I have had GEICO auto insurance for 45 years.

Every few years, I shop around and compare rates. No one has come close to beating GEICO. Usually they say they can't beat GEICO early in the conversation.

Customer service is great. Absolutely no problems.
by fandango
Sun May 21, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9669

Re: Which Small SUV for 15 Year Reliability?

I have a Honda CRV, and it is keeper. My mechanics tell me the only issues are electronic - meaning all the stuff you don't use in the driver's compartment. I was considering a second CRV but a turbo is standard on the top end models. A non- turbo engine is available on the LX and EX. Most auto make...
by fandango
Tue Apr 25, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 939

Re: Is this a good long term care policy?

Be sure to check out the issuing company and their financial stability. Many are struggling now. Your investment maybe for 20 or more years before you receive a benefit.

Recently, Genworth was acquired by a Chinese company. Not sure what that means for the future.
by fandango
Tue Apr 25, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5937

Re: $300+ to remove a racoon. Really?

Check with your local animal control office. Usually they will loan you a wire cage trap, tell you how to bait it, and collect the critter when you catch it. I got a possum out of my crawl space that way. Used a piece of sardine for bait. Be sure to check out your crawlspace after the critter is gon...
by fandango
Mon Feb 20, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 4073

Re: Thinking of Leaving Vanguard Personal Advisory program

We have been with PAS for a couple of years and are well satisfied with what we get for 0.30% Our CPA works with a lot of trusts and medium to small investors. When I told him during our tax conference a few days ago that I used PAS to manage a large chunk of our money and that the fee was 0.30%, he...
by fandango
Wed Nov 23, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Apply for Medicare B in person or mail in forms?
Replies: 46
Views: 4463

Re: Apply for Medicare B in person or mail in forms?

I has a very good experience when I went to the SS office to apply for Part B. I had made an appointment and the agent was on time and fully answered my questions. Since then, I continue to be impressed with the people in our local SS office as well as the Medicare claims processors. Very well train...
by fandango
Wed Nov 23, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Company truck - Nissan Frontier vs. F-150
Replies: 19
Views: 2131

Re: Company truck - Nissan Frontier vs. F-150

Toyota Tacoma.

My friend has a plumbing business and owns three Tacomas. Each has 300,000 trouble free miles.
by fandango
Sun Oct 30, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 43793

Re: Amazon Prime Shipping Issues since move from UPS to USPS

I am an Amazon Prime customer and agree that delivery has suffered significantly since they started using the USPS. I recently ordered a book for a birthday present. It arrived in a cardboard box but the corners were bent and the book binding torn. Of course, I complained. Most recently I ordered an...
by fandango
Sun Oct 30, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Continue Whole Life Policy with LTC Rider or Self Fund?
Replies: 9
Views: 1314

Re: Continue LTC Policy or Self Fund?

I have had a Genworth policy for 15 years. One of the selling points was that they had never raised premiums on current owners in the history of the company. This year my premium was raised by 25%. Something must have been terribly wrong with their actuarial numbers or other assumptions. See the tro...
by fandango
Mon Oct 24, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1863

Re: My recent car buying experience.

Document fees are pure profit for the dealer.

I make sure it is included in all "out the door" prices that I get. I have seen them range from $299 to $699 in this area.

Then, I start negotiating.
by fandango
Fri Oct 14, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Help - Anybody use Vanguard Advisory Service?
Replies: 5
Views: 909

Re: Help - Anybody use Vanguard Advisory Service?

I have used PAS for a year and will try to answer questions: - I have seen no "churning". I have a 50/50 allocation, and since the bond and stock portions have appreciated at approximately the same rate, no rebalancing has been required. Rebalancing will be discussed before it is executed....
by fandango
Tue Oct 11, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Rotten Floors & Damp Crawlspaces
Replies: 35
Views: 2839

Re: Rotten Floors & Damp Crawlspaces

You can install the French drains yourself. If you are physically able to dig the trench and don't mind spending a lot of time in the crawl space. Basically it is a 5 or 6 inch trench round the edges of your crawl space with gravel in the bottom and slotted pipe to collect the water and drain it out...
by fandango
Mon Oct 10, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 3445

Re: Do we need annual furnace exam?

You can get a maintenance contract fairly cheaply. Usually includes discounts on non routine repairs.
by fandango
Mon Oct 10, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Medicare application
Replies: 6
Views: 742

Re: Help with Medicare application

Best to go to the office in person. My wife and I have them to be helpful and courteous.

Bring all you stuff so that you can get this done in one trip.
by fandango
Tue Oct 04, 2016 7:29 pm
Forum: Forum Issues and Administration
Topic: weather watch [Hurricane Matthew, potential site impact]
Replies: 27
Views: 3557

Re: weather watch

I've been through one hurricane.

No damage to my home, but local infrastructure was wiped out.

No electricity or cable. Could not buy gasoline because electricity powered the pumps. Many primary and secondary roads blocked by fallen tress and stalled cars.

You are in my prayers, mingstar.
by fandango
Thu Sep 22, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3899

Re: Companion Dogs for an older person

Many organizations promoting a particular dog breed run an adoption center for dogs of that breed. In many cases, the dog's owner has died, the dog owner realizes that they cannot maintain the dog (physically or emotionally), the dog is a runaway, etc. The advantages of getting a dog this way is tha...
by fandango
Sat Sep 17, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Personal advisor services
Replies: 11
Views: 1417

Re: Personal advisor services

I have been managing my investments for 50 years. Pretty successfully. As I approach 70, my reason for using PAS was to provide an advisor for my wife if something were to happen to me. I would rather select the advisor now than subject her to that decision making and all the crooks out there. My wi...
by fandango
Mon Sep 12, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5014

Re: Toyota, Honda, Nissan or Chrysler Minivan?

My sister had a Dodge Caravan.

The transmission failed and was replaced 4 times under warranty . Just drove the vehicle around town and the occasional 500 mile trip to visit relatives.

She got rid of it at 35,000 miles just before the warranty expired.

Go with the Toyota or Honda.
by fandango
Thu Sep 08, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 3162

Re: Emergency SmartPhone for a 90+ year old

Take her down to Verizon and let her look at some phones. She will know what she can handle.
by fandango
Tue Sep 06, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 8552

Re: "Letter of Final Instructions"

We have something similar called our "bucket book", it has many of the things listed on your list. You gave us some ideas on some things to add to the book. We also showed our potential executors the location of the book to help them find it easily. I'm not sure that any one would want my ...
by fandango
Sun Aug 28, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 2616

Re: Career Counseling for Teens

If you don't take the full load of math (Algebra 1, Algebra 2, Trigonometry, Calculus, etc.), and science (Chemistry, Physics, Advanced Physics) in high school, you will probably not get into an engineering school, let alone survive there. The curriculum and competition is intense. To get the educat...
by fandango
Sun Aug 28, 2016 7:26 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 8604

Re: Retirees Saying No To The Market

I really depends on whether you need to take risk that is part of the stock market.

If you have enough assets and income (SS, pension, etc.), you could live quite comfortably on the additional income of CD's.

Also, no anxiety about losses.
by fandango
Fri Aug 26, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: international bond funds
Replies: 14
Views: 1353

Re: international bond funds

I know this is short term, but the Total International Bond Index has only been around a year or so:

Total Bond Index YTD: 5.72%, 1 year: 6.00%

Total International YTD: 6.91% 1 year: 7.57%
Bond Index
by fandango
Fri Aug 26, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 10021

Re: Vanguard's so so customer service

We have never had a problem with Vanguard service.

In my view, Fidelity service is far worse. Always a sales pitch when you are dealing with them. Main reason I moved all my investments to Vanguard.
by fandango
Fri Aug 26, 2016 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor
Replies: 12
Views: 1984

Re: Vanguard Personal Advisor

We decide to use VPA late last year for the same reasons as abuss368. We have been very pleased with the level of service that our personal advisor provides. We have had some complex questions that he has addressed quickly and efficiently. Most importantly to me, my wife likes him a lot and feels ve...
by fandango
Wed Aug 24, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 2616

Re: Career Counseling for Teens

Career counseling is pretty much neglected in our society. For example, most parents automatically encourage their children to get a 4 year college degree. However, most new jobs created require an associate degree (HVAC, auto technician, medical technician, respiratory therapist, etc.). It is sad t...
by fandango
Tue Aug 23, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 30
Views: 3307

Re: Eyeglasses Problem - how to fix? Any Opticians Out There?

I agree with the previous posters.

Even worse than not getting the lens that you want, is the failure to measure pupil height. That's a basic part of fitting your classes.
by fandango
Tue Aug 16, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 21423

Re: AAA Car Batteries

A strange thing that I discovered when replacing a 2004 Toyota Camry battery at a small auto shop. If power is cut off completely during the battery change, the Camry loses all of its engine settings and you have to drive for a few days before the computer "learns" your driving patterns an...
by fandango
Wed Aug 10, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare career advice – Admin or NP?
Replies: 16
Views: 1826

Re: Healthcare career advice – Admin or NP?

Talk with someone who has gone the administration route and find out the pro's and con's from them.

Most importantly figure out what you want to do. Why did you get an MBA unless you wanted to get in administration?
by fandango
Wed Aug 10, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 5793

Re: Talking about the Bogleheads approach with non-Bogleheads

My approach is similar.

Unless someone asks me about investing and is a close friend, I don't say anything to them about how I invest.

Like politics, I have found that people who I like may have completely different opinions.

Friends are more important than winning a political or investing debate.
by fandango
Sun Aug 07, 2016 5:52 am
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 6069

Re: Blocking robot calls.

I would say that about 70% of the calls we were getting were from about 10 numbers. I am blocking each one and slowly the calls are going away.

The worst time period for us was during the primaries. We were receiving 5 or 6 calls a day. From 9:00 AM to 10:00 PM.
by fandango
Sat Aug 06, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 7861

Re: has anyone wished they worked one or two more years

I have been retired 6 years and am glad I did.

I had a job where I was on call 24X7 for almost 40 years. I had enough of that!

Once I retired, I realized how little time I have left. Maybe 20 years or less? I want to use this time wisely.
by fandango
Sat Aug 06, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 4905

Re: What is the best way to send the direct rollover check to Vanguard?

I would call Vanguard and ask the best way to deliver the check.

I have found them to be very helpful.
by fandango
Sat Aug 06, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 6069

Re: Blocking robot calls.

Just bought a Panasonic cordless phone this week on Amazon. Base phone and two additional hand phones cost $69. So many features that I have yet to figure them all out. One feature we required was call blocking. The Panasonic cordless phone can block 50 numbers. We have tried it a couple of times, a...
by fandango
Sat Aug 06, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: International Bond Debate
Replies: 16
Views: 1621

International Bond Debate

We have discussed the appropriate allocation to international bonds quite a bit over the last couple of years.

Here's the updated white paper from Vanguard that thoroughly discusses the case for some international bonds in your portfolio.

https://personal.vanguard.com/pdf/icrifi.pdf

It requires one or more cups of coffee to complete. :confused
by fandango
Fri Aug 05, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to Medicare -- cost vs health insurance
Replies: 22
Views: 1518

Re: Switching to Medicare -- cost vs health insurance

My wife and I have been in Medicare about 4 years. We each have a Medicare Supplement with Blue Cross Blue Shield (Plan F) and a Prescription Drug Plan. The premium costs for both of us run about $3,600 per year (including the cost of Medicare). We have virtually no other out of pocket health expens...