Search found 803 matches

by fsrph
Mon Sep 26, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 54
Views: 2972

Replace car battery after X years or wait till it dies?

Have a 2010 Forester with the original battery. Starts as well as when it was brand new. Heard today's car batteries can decline quickly with little advance notice. Is there a reliable test if the battery is still strong? With cold weather coming, should I replace it proactively or wait till it dies...
by fsrph
Mon Sep 19, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5193

Re: Cities like New Orleans?

Charleston, S.C.
Savannah
Key West
by fsrph
Sun Sep 18, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 47
Views: 4361

Re: How do you view money over and above your number?

None of your choices. Well, LTC may count. The extra 300k would just be a buffer for unforseen future events. There are so many retirement unknowns, like healthcare costs, your number today may need to be raised in the future. This may be a pessimistic view but I'd rather be pleasantly surprised if ...
by fsrph
Mon Sep 12, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds instead of CD's?
Replies: 23
Views: 2043

Re: Municipal Bonds instead of CD's?

Interesting @Rob5TCP....was this recently? If so, where are you getting 3% interest? The highest I've seen is in the 2.3 to 2.4 range. The 3% rate is in this link. Click on rates for IRA certificates. I believe the rate is only for retirement accounts. https://www.andrewsfcu.org/personal/checking-a...
by fsrph
Thu Sep 08, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving coverage from State Farm to GEICO
Replies: 16
Views: 1425

Re: Moving coverage from State Farm to GEICO

I switched from State Farm to Geico a few years ago. Very happy with the change. I was a State Farm customer for over 25 years and they were raising my rates slowly but consistently. No claims. I think they thought I was a customer for life using them for such a long time. The SF agent was surprised...
by fsrph
Wed Sep 07, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10587

Re: How much is your cell phone bill?

Granted I use my cellphone very infrequently. Cost is $10/year. Grandfathered into Tmobil's pay as you go plan. Data set to wifi only. Started with $100 loaded to become a Gold level customer. Minutes carryover for 1 year. If you add more minutes yearly (this is where the $10 comes in) the minutes c...
by fsrph
Wed Sep 07, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 5053

Re: Should I upgrade my 6 year old plasma TV?

It's your personal preference. As someone else stated it's want vs need. I have a Samsung plasma and I'm very satisfied with it. But if you want the 4k TV and can afford it then go for it. I'd be a little concerned about how much OTA 4k content we will see. Remember 3d TV? The latest and greatest at...
by fsrph
Wed Sep 07, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a home in Florida
Replies: 27
Views: 2558

Re: Best way to sell a home in Florida

Perhaps you should consider one of the agents that live in the community. Forget not being impressed with them, the key criteria is do they make sales. Is either associated with a discount agency? This will solve your problem of who is going to show the property. And these agents surely know the dev...
by fsrph
Mon Sep 05, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a home in Florida
Replies: 27
Views: 2558

Re: Best way to sell a home in Florida

I am considering selling a home I inherited in an over-55 community between W Palm Beach and Ft. Lauderdale. Does the community itself offer a way to list homes or condos for sale within the community? I know several communities in S. Florida who will post homes for sale to others in the community ...
by fsrph
Fri Sep 02, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 996

Re: Can company convert to auto renewal without your permission?

Op here. Just to answer a few questions. I understand receiving an annual bill to keep continuous service, that's OK. I then decide if I want to renew and send in a check. This is different, they are automatically continuing my contract and are debiting payment. No, I never gave them permission to d...
by fsrph
Thu Sep 01, 2016 11:20 pm
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 996

Can company convert to auto renewal without your permission?

Received my yearly bill for service contract for furnace and hot water heater repairs. In past years I always paid with a check. The last few years I've been debating if I should renew or not. This year the renewal letter said "for my convenience" on Oct 1st of each year they will automati...
by fsrph
Tue Aug 30, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Subaru owners - tin can sound, maybe heat shield?
Replies: 22
Views: 1447

Subaru owners - tin can sound, maybe heat shield?

Based on previous car threads it appears there's many Subaru owners on this forum. I have a 2010 Forester (26k miles) and it has been a great car. Recently I noticed a "tin can" sound coming from the front of the car near a specific rpm. It is most noticeable on cold starts and mostly fade...
by fsrph
Tue Aug 02, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with $350k???
Replies: 17
Views: 3084

Re: What should I do with $350k???

I think I'd play it safe with Ally's savings account. Instant access to your money. 1% rate with no risk of loss if interest rates rise.

Francis
by fsrph
Thu Jul 28, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 30
Views: 2226

Re: asking for a higher hourly rate after interview

the recruiter will not come back to you for future jobs. I thought of this too, and I can live with this too. If you can walk away from both this new job with red flags and future contacts with the recruiter then, sure ask for more compensation. What is there to lose? But if I were the recruiter an...
by fsrph
Mon Jul 18, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 8
Views: 1352

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

slbnoob wrote:As of today, even the search doesn't show up VISA!
Sent an email asking them about it. Looks like my only other option is Amazon GC.


I just redeemed points for a $100 Visa card. Just typed Visa in search box and it came right up.

Francis
by fsrph
Mon Jul 18, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 7217

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

There is some info missing as to why the current business can't be sold or scaled down. But no matter what those answers are I think it's best to keep your current business. You're looking at 8 months off in the new business but you be doing that for the foreseeable future. Stay in your present busi...
by fsrph
Sun Jul 17, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6670

Re: What's up with 4K tv? Should I buy one?

I'm waiting for holographic TVs before I upgrade. Currently I have a Panasonic plasma, superior to LCD, and nobody makes them anymore. Also one TV is enough for me. Since I've retired I don't watch it much. I like my Panasonic plasma too especially for movies in the dark. I like my Samsung plasma a...
by fsrph
Sun Jul 17, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Too much house???
Replies: 58
Views: 5833

Re: Too much house???

With a few assumptions, like is her income secure and is she going to continue to work for awhile, I think she could easily afford the house. One question is in her current expenses of 150k how much of that is current housing costs? If she owns a house or is renting that is money to put in the new h...
by fsrph
Sat Jul 16, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6670

Re: What's up with 4K tv? Should I buy one?

I'd say pass on the 4k for now. Some major networks still broadcast in 720p. Doubt if they will make the major jump to 4k anytime soon. Remember 3d TV? Newest and greatest technology but little content. Sort of faded away. So, why would you want to pay a premium price for 4k now with little content ...
by fsrph
Sun Jul 03, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Roku TV without carrier?
Replies: 27
Views: 2147

Re: Roku TV without carrier?

I use Verizon to stream. You can stream from the router to the TV if your TV is a smart TV. I stream wireless to a Blu-ray player then with a hdmi cable to the TV. I do not have a smart TV, by choice. You can do something similar with the Roku. Are you on Verizon dsl or fios? If on dsl check on what...
by fsrph
Sat Jul 02, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9717

Re: How many of you have cut cord?

I canceled cable TV. Using antenna for local channels and Netflix, YouTube and others for content. Generally very satisfied. The only issue is you miss a lot of live sports. Supposedly Sling TV has ESPN and tbs but haven't checked out Sling yet. But I don't consider myself a true cord cutter. I stil...
by fsrph
Sun Jun 12, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3081

Re: Cats in yard, what to do?

Show some kindness. They only want the same thing most of us do: Food, shelter, safety, health, love and to raise their offspring. It's worth the money spent. YB I agree. I would rather not take the cats to a shelter that will kill them. But, I don't want a long term problem either. Here's an updat...
by fsrph
Sun Jun 12, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3081

Re: Cats in yard, what to do?

celia wrote:
Tycoon wrote:Get a coyote. :beer

Coyotes multiply just as bad and, in many places, you aren't allowed to trap or kill them.

Then you'll have to get a mountain lion. 8-)


Then I'll have to get a leopard to keep the mountain lion population controlled.


Francis
by fsrph
Sat Jun 11, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3081

Re: Cats in yard, what to do?

hicabob wrote:As my neighbor discovered, bless her heart, if people feed them consistently they multiply exponentially like a Boglehead IRA! Feral cats should at least be spayed.


That's what I was afraid of. I don't want any of the cats as a pet but leaving them there may be a long term problem.

Francis
by fsrph
Sat Jun 11, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3081

Cats in yard, what to do?

Was working in the yard today. On one side of the garage there was an area dug out going slightly under the garage wall. I saw one adult cat and four kittens using this as a home. So, what to do? Leave them alone, call SPCA or something else. I noticed neighbors leaving food in bowls outside, I thin...
by fsrph
Wed Jun 08, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: The cost of a root canal?
Replies: 38
Views: 2952

Re: The cost of a root canal?

I, unfortunately in terms of tooth structure, but fortunately in terms of there being effective treatment available, have had them done in two widely-separated places inside the US, but not at widely-separated times. Based on my experience, I'd say cost is highly location dependent. PJW Very depend...
by fsrph
Sun Jun 05, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: advice on life/work situation/stop full-time work?
Replies: 22
Views: 1963

Re: advice on life/work situation/stop full-time work?

I didn't read all of the replies so much of this may already been mentioned. You have many options. With your savings and business share you certainly can cut back on working. You probably can not work at all if you choose so. Your in a great position you can work as much or as little as you want. ....
by fsrph
Fri Jun 03, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12612

Re: Early retirement and opportunity cost, by Harry Sit

Sounds like a one-sided equation that only considers money as "opportunity cost" and fails to consider time as an "opportunity cost" as many posters have suggested should be added back in to that equation.... I agree with this. If you retire early and walk away from hundreds of ...
by fsrph
Wed Jun 01, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12612

Re: Early retirement and opportunity cost, by Harry Sit

I read the original article and I don't agree with it or maybe don't understand it. I agree with Raybo's line of thinking. Opportunity cost is a two sided coin. If you value life experiences more than additional money why should you keep working? If you never complete these life experiences due to ...
by fsrph
Tue May 31, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12612

Re: Early retirement and opportunity cost, by Harry Sit

Clearly, the point of the article is to show that by retiring early, someone is losing money to get more time and that working longer is doing just the opposite. But, I see this as a fallacious comparison. Time and money are fundamentally different things. There is a quality to time that money does...
by fsrph
Tue May 31, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: When to get first car service done
Replies: 70
Views: 3724

Re: When to get first car service done

I follow the car maintenance schedule from the owners manual. The dealer often sends me suggested service that they recommend but they are doing service more often than the manufacturer recommends. So I ignore their scheme and follow the owners manual.

Francis
by fsrph
Mon May 23, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2668

Re: Still double checking bank checkbook math?

I check my checkbook total with the bank's. If they differ it is much, much, much more likely I did something wrong. Maybe forget an ATM withdrawal or forget to write a check amount in the checkbook.

Francis
by fsrph
Mon May 23, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5237

Re: What was your first investment?

Passbook savings account
Savings bonds
Cds
Prime money market fund
Star mutual fund

These are listed in chronological order so my first investment was a passbook savings account.

Francis
by fsrph
Sat May 14, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 1439

Re: Best "Life Alert" type device for 98 year old grandparents

Family member uses Great Call Five Star medical alert system. Works well. Advantages are works on Verizon cellular network so works anywhere you have Verizon service. Cost was lower than others too. About $15-20 a month depending on level of service. No contract, pay month to month. They came out wi...
by fsrph
Tue May 10, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9571

Re: Retire now or OMY, [One More Year]

Retire now (mid 50s) or wait 1 more year, 2 more years, etc..? Assuming your assets meet your current spending in a 50/50 boglehead type portfolio and you have flexibility to use VPW approach how do you decide enough is enough? If in peak earning years how does one decide to get out of the OMY cycl...
by fsrph
Mon May 02, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 663

Ally's Webroot Secure anywhere Antivirus software - any good?

Maybe it's known by many here, but I just saw where Ally offers free Antivirus software. It's called Webroot Secure anywhere. It seems to get good reviews. Anyone use it? Satisfied? Can this be the only product you use or do you have to add anti malware?

Francis
by fsrph
Mon Apr 18, 2016 5:54 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 5444

Re: How Did You File Your Income Taxes for 2015?

Long time TurboTax user. Used TaxAct for the first time this year. Generally satisfied with TaxAct and will use it again. Saved money over TurboTax too.

Francis
by fsrph
Fri Apr 15, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: centurylink raising prices while under contact
Replies: 15
Views: 1874

Re: centurylink raising prices while under contact

I'm not sure they're much you can do. Except switch providers if possible. I signed up with Verizon for a 2 year price guarantee on internet and landline. After 1 year they started charging me more. Not a lot more, maybe $5 more/month. I called and explained and got nowhere. They said my package is ...
by fsrph
Wed Apr 06, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Chimney repair - who to call?
Replies: 7
Views: 944

Chimney repair - who to call?

Have a chimney that needs repair. There is a plaster coating around the chimney. It is slowly cracking and breaking off in small pieces. Also I have a small leak around the chimney during heavy rain. Have to go up the attic to see it. Maybe from the flashing around the chimney? Who would be best to ...
by fsrph
Mon Apr 04, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 699

Re: TaxAct - Tax exempt dividends not correct on State return

This is so timely; I saw this and contacted Schwab. The 1099-DIV has no information re. state-specific tax exempt interest My only fund for this is SCMTX Deutsche Intermediate Tax/AMT Free fund It contains 2.1% PA muni bonds. Do I automatically calculate the total tax-exempt federal dividends and m...
by fsrph
Mon Apr 04, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 699

Re: TaxAct - Tax exempt dividends not correct on State return

I received an answer from TaxAct - and it works. Maybe this can help someone else down the road. I entered the Federal and State exempt dividends on the Federal return. When it populated the state return it carried over the dividend amount but did not carry over the amount of state exempt dividends....
by fsrph
Sun Apr 03, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 699

TaxAct - Tax exempt dividends not correct on State return

First time using TaxAct this year. Anyone having problems with tax exempt dividends not being recognized of your state return? I have Dividend income that is tax exempt. It is 100% Federal tax exempt but only partially tax exempt for my Pennsylvania return. I added this to the Federal return and fil...
by fsrph
Sun Mar 20, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

The OP is asking two questions: 1. What triggered retirement for us, individual respondents? 2. Why should one consider retirement? The 1st question has a straightforward answer. In my case, it was the desire to spend my time the way I wanted to spend it. The 2nd question has many possible answers....
by fsrph
Sun Mar 20, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

If you're wondering, no I do not like my job. Or I should say the job changed so much I can no longer tolerate it. Management has gone out of their way to make work difficult for me. However, I am good at the job and it does pay well. I'm just adding to the savings pile of which I already have more...
by fsrph
Sun Mar 20, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

Ron wrote:My work BS bucket became full (actually it was overflowing) at age 59, so I retired.

That was 9 years ago; I couldn't be happier :mrgreen: ...

- Ron


I know exactly what you're saying. Except my BS bucket is a 55 gallon drum.

Francis
by fsrph
Sun Mar 20, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

I retired last summer just before I turned 59. In my early 50's I had a year where I went to three funerals of neighbors and acquaintances that were more or less my age. I wan't especially close to any of them but it can't help but make you wonder how much longer you have. I have also seen relative...
by fsrph
Sun Mar 20, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: What triggered you to retire?

fsrph: "What triggered me to retire?" I'll tell you briefly: I worked for the U.S. Small Business Administration for 19 years ending up Chief of the South Florida Finance Division. I saw my agency grow into a large bureaucracy whose primary purpose was to make government direct loans to s...
by fsrph
Sun Mar 20, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

If your work doesn't bring you pleasure, is there a way to change it into a job that will or would retiring being you more pleasure? Only you can answer such questions. Sure I could work for another employer. I think the best course, employment wise, it to do nothing for awhile, maybe a long while....
by fsrph
Sun Mar 20, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11113

Re: Early Retirees - What triggered you to retire?

My situation was similar to yours, except that it sounds like yours actually is worse. It's not that management went out of its way to make things difficult for me, just that work had become less and less fun over the years, and I saw co-workers getting into even less-fun work situations. The cultu...

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