Search found 837 matches

by fsrph
Thu Apr 20, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1227

Re: Can Power of Attorney override POD designations?

The answer is: It depends. Please read this reference to get a sense of what is at play in this situation. From my read you can construct the Power of Attorney to prevent this from happening. http://info.legalzoom.com/can-power-attorney-change-beneficiaries-bank-accounts-21711.html Thanks. That art...
by fsrph
Thu Apr 20, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1227

Can Power of Attorney override POD designations?

I use POD's (payment on death) on all my CDs. Down the line, hopefully many years from now, if my health deteriorates I plan to grant power of attorney to another person. Now I know to ask someone you completely trust and will honor your wishes. But, I was wondering what if they end up being not so ...
by fsrph
Sun Apr 09, 2017 6:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4443

Re: Boglehead Conference 2017?

I'm a little confused about this issue. There was a statement that an announcement would be coming on April 5th about the conference. People mark the date. The announcement then is made on April 2nd.?? Then apparently there was a large response to a presale to those who attended in previous years. I...
by fsrph
Sun Apr 02, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6894

Re: Is anyone decreasing % of bonds this year?

I moved some of my bond allocation to CDs that pay 2.7 - 3% altho that was in the past few years. Not sure if this really lowered bond percentage as I think of both bonds and CDs as fixed income investments.

Francis
by fsrph
Sat Apr 01, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8438

Re: What career helped you become wealthy?

Well, my career is a pharmacist. But what allowed me to become financially independent was living below my means for decades.

Francis
by fsrph
Mon Mar 27, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 861

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

The higher priced ones frequently are safer. The ones that look like a radiator heater oil which circulates through the radiator. If something flammable comes into contact it won't burst into flames. They are safer. Here is a good primer from C.U. http://www.consumerreports.org/cro/space-heaters/bu...
by fsrph
Mon Mar 27, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3064

Re: Geico insurance rate increase: 26.24% APY?

Geico raised my rates at last renewal. No claims by me so called them for clarification. They told me there was an increase in claims in my area hence the increase. I'm only a Geico customer a few years. I hope they didn't give me a teaser rate to switch. Oh well, I'll stick with Geico for now. The ...
by fsrph
Mon Mar 27, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 861

Electric Space Heaters - Does expensive one heat better than cheap one?

My electric heater needs replacement. I only use the heater for a few hours at a time but would like it to work quickly. There seems to be a wide range of pricing. I know higher priced heaters have more bells and whistles but do they heat any better than a cheaper unit. Most electric heaters, at any...
by fsrph
Thu Mar 23, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4311

Re: How did you do your income taxes?

TaxAct. Switched from TurboTax a few years ago.

Francis
by fsrph
Fri Mar 17, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 2916

Re: won a car - want to sell

Do the opposite many do when buying a car. Email several dealers saying you have a new car to sell and explain how you acquired the car. Ask for their best price. Negotiate from there.

Francis
by fsrph
Tue Mar 07, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring house in estate
Replies: 1
Views: 170

Transferring house in estate

What is the easiest way to transfer a house deed in an estate. I'm the executor. Do I need an attorney or a title search? I'm from Pennsylvania if that matters.

Francis
by fsrph
Fri Feb 17, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Buying a car from repair shop - mechanics lien?
Replies: 9
Views: 1012

Re: Buying a car from repair shop - mechanics lien?

If the shop has a clear title to the vehicle why would they not just sell it on the open market? Why would they offer it to you for much less than retail? The cars repair costs may be more than the car is worth and they patched it together so it runs. If the owner didn't pay their bill and the car w...
by fsrph
Sat Feb 11, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6603

Re: Terrible negotiator - need help with words to use [Buying a car]

I did what I suggested above. Emailed Fitzmall for a price on an Outback similar to what you're looking for. Msrp was 30,700 Their best price was 27,666 Believe me, when I was dealing with them they would not come down at all from this price. I think your dealer in Colorado is giving you a good pric...
by fsrph
Sat Feb 11, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6603

Re: Terrible negotiator - need help with words to use [Buying a car]

I'm with the two posters who think you have a perfectly good deal as it is. Why not just take it and be happy? Life is too short to get exercised at this point. Count me in this group also. Sounds like you really like that particular car and want that one, OP. Buy it! Does it really matter if you g...
by fsrph
Sun Jan 29, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Is there a best way to buy a new vehicle that's not on the lot yet?
Replies: 24
Views: 2577

Re: Is there a best way to buy a new vehicle that's not on the lot yet?

Don't know where you live but if you're anywhere near the Mid-Atlantic area I recommend you give this place a try http://www.fitzmall.com. They are a high volume no haggle dealer. I'd email them with your requirements (even if the vehicle isn't on their lot) and they should give you their best price...
by fsrph
Thu Jan 26, 2017 7:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8528

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Very Happy Birthday Taylor! Thanks for your knowledge, wisdom and everything you do for us fellow Bogleheads.

Francis
by fsrph
Sat Jan 21, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676518

Re: What Movie Have You Recently Watched?

Hidden Figures I just saw this powerful, evocative, and uplifting newly released movie today. It connected with me deeply on so many levels: the power of math, the importance of fighting racism and sexism, and my early childhood memories of starting school immediately after Sputnik. Anyone else my ...
by fsrph
Wed Jan 18, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Tips for cancelling cable
Replies: 16
Views: 1993

Re: Tips for cancelling cable

I canceled Comcast cable by returning the set top box to the Comcast store. It was quick and painless. The guy there couldn't care less that I was dropping them. If you'd rather phone them, since you have a new provider, what could they say to make you stay? But you'd still have e to return their eq...
by fsrph
Mon Jan 09, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3738

Re: Teeth whitening

Crest Whitestrips Professionals Effects. Work great. Sometimes they have e coupons on Amazon for them.

Francis
by fsrph
Sun Jan 08, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to confirm old check was deposited
Replies: 3
Views: 465

How to confirm old check was deposited

I was cleaning out a drawer and found a check from 2014 (for a large amount) in an unsealed envelope addressed to Ally. It was from a redeemed cd. So I checked my Ally deposits for 2014 and this check wasn't there. I can't imagine I didn't deposit this check somewhere - but had several accounts in 2...
by fsrph
Wed Dec 28, 2016 6:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7597

Re: My Christmas Gift to You.

Duplicate
by fsrph
Wed Dec 28, 2016 6:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7597

Re: My Christmas Gift to You.

Merry Christmas to you Taylor. And have a blessed, healthy and wonderful 2017!

Francis
by fsrph
Mon Dec 26, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1890

Re: Decent quality reading glasses

Deleted
by fsrph
Tue Dec 13, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 14774

Re: How old is your vehicle?

2010 Forester 28k miles
2003 350z 60k miles
by fsrph
Sun Dec 04, 2016 11:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5720

Re: livesoft is almost at 50,000 posts...

Livesoft is a tremendous asset to this community. Congratulations on your 50,000 posts. Keep em coming!

Francis
by fsrph
Sun Dec 04, 2016 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wellesley Fund VWINX
Replies: 10
Views: 2480

Re: Vanguard Wellesley Fund VWINX

I own both of these funds. What's your desired asset allocation? Wellesley is about 40% stocks and 60% bonds. Wellington is the opposite. Some choose to place half in each of these funds resulting in a 50/50 asset allocation. I see Wellesley with a dividend payment in June 2015. https://advisors.van...
by fsrph
Mon Oct 31, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: Valor 7 yr/3% add on CD - deposits allowed for 30 days.
Replies: 2
Views: 736

Valor 7 yr/3% add on CD - deposits allowed for 30 days.

Good news for those who purchased Valor Credit Union's 7 year (3%) add on CD. A bit of history. Valor unilaterally changed the terms of this CD and did not allow any add on deposit. Due to pressure from the NCUA, Valor is allowing add on deposits for 30 days then no additional deposits allowed. Appa...
by fsrph
Mon Oct 24, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: Do you get Bond Fund Dividends if You Sell Before Month End?
Replies: 11
Views: 940

Re: Do you get Bond Fund Dividends if You Sell Before Month End?

Small Law Survivor wrote:How does this apply to stock dividends? If you sold a day before dividends are issued by a company that is held by the fund, are those pro rated in some way as well, or do you lose them? I've assumed you lose them, but uncertain ....


http://www.investopedia.com/ask/answers ... nddate.asp
by fsrph
Thu Oct 20, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does your bank charge for paper statements?
Replies: 26
Views: 2128

Re: Does your bank charge for paper statements?

Not a bank but PenFed charges $1 a month if you want a paper copy of your consolidated account statement.

Francis
by fsrph
Fri Sep 30, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6785

Re: Where/how do Bogleheads get their tires inflated?

I use a multi function thing I bought from Costco. It is about $100. It has a battery to jump the dead battery and tire inflator. What is the name and do you have a link? Thanks. I'm not Thesues but here's what I bought to jump start my car and is also an air compressor. It also will charge many of...
by fsrph
Fri Sep 30, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6785

Re: Where/how do Bogleheads get their tires inflated?

Here's what I bought. https://www.amazon.com/Key-Power-13600Mah-Portable-Compressor/dp/B00VF6B8X6 It's a combo car jump starter and air compressor for your tires. No need to plug into cigarette lighter. Just recharge it when the indicator says to - I've been getting about four months between recharg...
by fsrph
Wed Sep 28, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas on Florida's Gulf Coast.
Replies: 31
Views: 2320

Re: Vacation ideas on Florida's Gulf Coast.

Don't know how close to Ocala you want to be but:

St.Pete Beach
Anna Maria Island
Sanibel
Longboat Key
Siesta Key

Further South:
Naples
Marco Island

Francis
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: 80
Views: 6726

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: 7023

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: 50
Views: 5787

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: 2469

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: 1789

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: 263
Views: 25229

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: 8451

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: 32
Views: 3748

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: 32
Views: 3748

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: 1259

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: 1259

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: 1954

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: 3266

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: 2607

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: 11
Views: 2204

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: 8003

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...

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