Search found 791 matches

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: 2994

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: 2134

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: 1316

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: 6958

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: 6399

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: 5674

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: 6399

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: 2095

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: 146
Views: 9012

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: 3033

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: 3033

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: 3033

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: 3033

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: 2873

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: 1916

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: 12415

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: 12415

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: 12415

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: 3596

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: 2639

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: 4965

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: 1398

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: 9455

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: 652

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: 5307

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: 1785

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: 926

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: 687

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: 687

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: 687

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: 11011

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: 11011

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: 11011

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: 11011

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: 11011

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: 11011

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: 11011

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...
by fsrph
Sun Mar 20, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11011

Re: Early Retirees - What triggered you to retire?

For me, it was time to leave the company where I had worked for 9 years. We had been acquired a few years before, and the mega-corp that we were now part of wasn't how I ever wanted to work. I stuck it out for as long as I could, but after the umpteenth reorg, I was now reporting to a remote boss w...
by fsrph
Sun Mar 20, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11011

Re: Early Retirees - What triggered you to retire?

If you dislike your job and can afford to retire, why are you still working? Once retired you have complete control over your time, the most precious, finite resource that nobody can buy. The reason why I retired, and very early, was simple: I enjoyed having complete control over my time much more ...
by fsrph
Sun Mar 20, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11011

Re: Early Retirees - What triggered you to retire?

Do you have hobbies outside of work? If you don't like your job and management is making your life difficult and you have more than enough assets to retire, you should start planning your retirement as soon as humanly possible. Maybe you still work because you fear the unknown. You may be concerned...
by fsrph
Sat Mar 19, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 11011

Early Retirees - What triggered you to retire?

What was your decision of early retirement based on? Was there a triggering event (other than having enough money to do so)? I'm asking because I could easily retire financially yet I'm still working full time. I'm 56 and could retire on 1 to 1.5% withdrawals rates. Plus, I can collect a pension at ...
by fsrph
Thu Mar 17, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1833
Views: 419224

Re: What Movie Have You Recently Watched?

Star Wars - The Force Awakens
The Revenant
10 Cloverfield Lane
by fsrph
Thu Mar 17, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Healthcare Fund
Replies: 9
Views: 1494

Re: Vanguard Healthcare Fund

Brian B wrote:I have noticed that the Vanguard Healthcare Fund has taken a beating lately. Any idea why?


Maybe some uncertainty with the upcoming election? All the politicians mention containing health care inflation and drug prices. If it ever comes to be no one knows.

Francis
by fsrph
Tue Mar 01, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

My PFCU card has been hacked twice. Both times where when I made a road trip and I took advantage of the 5% cash back on gas. I also used the card in restaurants where the waiter takes the card to run the payment. I now use one dedicated low limit card anytime I have to hand the card to someone, or...
by fsrph
Tue Mar 01, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

I am interested to know if OP booked any travel arrangements 1-3 months prior to the hack using any of your credit cards. It happened to me, I read it happened to a few other posters here, and I just saw it in the consumer help article in the local paper last week. All booked some sort of travel, w...
by fsrph
Tue Mar 01, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

OP, is this the 5% cash back "gas card"? Do you frequently use a particular gas station? I'd change gas stations for a month-six weeks and see if that works. Same for other frequent sites, I guess, but I always think gas stations when I think PenFed. Your card(s) could be getting compromi...
by fsrph
Mon Feb 29, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

My guess would be it is somewhere that you frequent in person and pay by credit card. I probably go two or three years before my card gets hacked and it is always the card I use for in person purchases. The different card I use for internet purchases or re-occuring bills has never gotten hacked tho...
by fsrph
Mon Feb 29, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

Not sure what your bad luck is. Here is something I do to keep things in compartments. Then when something goes wrong, it is easy to spot and easier to track down and pretty easy to fix. I have a CC I keep with me. If I make a purchase in person, I use that card. I have a CC I use only for internet...
by fsrph
Mon Feb 29, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 2024

Re: Credit card compromised three times in three months

Rupert wrote:If so and that's not it, I might stop using the Penfed card and use cash or another card for a while to see if the problem goes away.


All three times I was waiting for a new Penfed card I used a backup Mastercard credit card. No problems with the Mastercard.

Francis

Go to advanced search