Search found 1329 matches

by munemaker
Thu Mar 23, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: ACA question re HDHP "family plan" and HSA qualification
Replies: 5
Views: 281

Re: ACA question re HDHP "family plan" and HSA qualification

Pretty sure you all have to be on the same plan. I don't think you can be silver and them bronze.
by munemaker
Tue Mar 21, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 40
Views: 1981

Re: Debating a weekend in Chicago (south side)

"Well the south side of Chicago
Is the baddest part of town
And if you go down there
You better just beware
Of a man name of Leroy Brown"
by munemaker
Mon Mar 13, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 3699

Re: Don't let your political views impact your investment strategy

Recently read that defense industry stocks have risen significantly more than the remainder of the S&P 500. May be a current example of speculation based on politics. TSM returns benefit without the risk of speculation. DMW I would not call this "speculation based on politics." I woul...
by munemaker
Mon Mar 13, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 21
Views: 2401

Re: Any Chromebook experts?

I don't consider myself an expert, but I do have a couple Chromebooks and am a member of Amazon Prime. I have never watched any movies on Amazon Prime, but I tried to stream "The Firm" just to respond to your question. The answer is YES. It streamed immediately and without any problems. I ...
by munemaker
Mon Mar 13, 2017 5:23 am
Forum: Investing - Help with Personal Investments
Topic: Flagship
Replies: 3
Views: 717

Re: Flagship

You don't need to call. Just log into your account and send them a message on their private email system. You will probably get a better answer than you will here.
by munemaker
Sun Mar 12, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6504

Re: Climate and happiness revisited

MrNewEngland wrote:As long as I'm near a pool or preferably the ocean I prefer it to be in the high 90's.


Isn't the sand too hot with air temps in the high 90s?
by munemaker
Thu Mar 09, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5076

Re: Investing when market is peaking

What makes you think the market is peaking?
by munemaker
Wed Mar 08, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 133
Views: 16479

Re: New SUV, $50G, Pilot/Highlander/Other

From what I read the new Volvo XC90 is tops. But you'll pay more than $50K for one, no discounts, and you'll be on a waiting list to get one. Volvo XC90 not recommended by Consumer Reports. Ranked 12th out of 15 Luxury mid sized SUVs. Volvo (overall) was ranked 14 out of 31 manufacturers. The waiti...
by munemaker
Wed Mar 08, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 133
Views: 16479

Re: New SUV, $50G, Pilot/Highlander/Other

How come nobody ever mentions the Jeep Grand Cherokee? I see a bizillion of them on the road. I just picked up the April 2017 issue of Consumer Reports, the annual auto issue. They ranked 31 brands. Out of the 31 brands ranked, Jeep came in 30th. They did manage to beat Fiat. Also, the Jeep Grand C...
by munemaker
Wed Mar 08, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 4699

Re: Are Fiat Cars Junk?

I just picked up the April Consumer Reports, which is the auto issue.

CR ranked the 31 brands, and no surprise, Fiat was ranked dead last; 31st out of 31.

Fiat was even worse than Jeep, which ended 30th out of 31. No surprise there either.
by munemaker
Wed Mar 08, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1736

Re: help with my printer problem

I have a 15 year old hp 300 desk series printerthat is not printing. I ran the diagnostics and it saidusb composite device is an older usb device and might not work with usb3.0 I am not very tech savvy. should I buy a 3.0 usb cable or just buy a new hp printer for $59 at best buy.? I seldom use it ...
by munemaker
Tue Mar 07, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 4699

Re: Are Fiat Cars Junk?

Actionable used alternatives (value per dollar): There are other "American" branded used cars that are actually Japanese cars and the price will often be much lower because of it. IE: Pontiac Vibe is a Toyota Matrix. Etc. Ford Focus? Pontiac and the Vibe died quietly in their sleep in 201...
by munemaker
Tue Mar 07, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6504

Re: Climate and happiness revisited

On the subject of how attitude changes with latitude, I think Jimmy said it best: "I think about Paris when I'm high on red wine, I wish I could jump on a plane. And so many nights I just dream of the ocean. God, I wish I was sailin' again. Oh, yesterdays are over my shoulder, So I can't look b...
by munemaker
Tue Mar 07, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

How does deregulation stimulate anything? You obviously have not managed any aspect of a private business. Just one small example that was in the news recently: The "Stream Protection Rule" was a federal law that prevented mines from dumping waste into streams. Disposing of that waste in ...
by munemaker
Mon Mar 06, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6285

Re: Did you buy SNAP?

I bought SNAP at $29 with my lunch monies and now it is $25. I also bought AAPL in August 2015 and so far so very good. I know I am going against Bogleheads but I bought them with fun monies. I limit my equity investments to low-cost broadly diversified index mutual funds, so no, I did not buy any ...
by munemaker
Mon Mar 06, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 10915

Re: What are the big things to get right?

These are the things I have learned through experience. In no particular order: 1. Choose a partner who is conservative and not a spender. 2. Stay married to the same partner. 3. Stay fully employed in your chosen field. 4. Choose a STEM profession. 5. Start investing EARLY. There is no substitute f...
by munemaker
Mon Mar 06, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 3224

Re: How often do you discuss finances and spending with your spouse?

I tend the finances, wife is fine with that. Money and investments bore her. Happy wife, happy life. By my wife's preference, I handle the finances and try to talk to her when we are traveling in the car and have her full attention. She has almost no interest in the subject. She seems to have an ov...
by munemaker
Mon Mar 06, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1788

Re: TV and/or Speakers for Enhanced Voice Clarity

Use good headphones. Much easier to hear We tried that when elderly MIL started cranking up the TV volume to very loud levels, annoying everyone else in the room. She would not wear them, so good luck with that. After a couple years of back-and-forth comments, she finally bought badly-needed hearin...
by munemaker
Mon Mar 06, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1788

Re: TV and/or Speakers for Enhanced Voice Clarity

...I find that sound bars make it worse, they are tuned so the explosions and car crashes shake the room. The sound bar says they have a setting for "news" but it still overplays the bass... Most flat panel TVs don't have speakers that are designed to produce lower bass tones. I don't kno...
by munemaker
Sun Mar 05, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 2205

Re: Oil Change Advice Honda CR-V

Honda CR-V owner for almost 10 years now. I specifically talked to the dealer about oil changes and have had discussions with a Honda mechanic. Here are recommendations for a new Honda. (1) Follow the oil change minder/indicator. It takes the quality of the oil into account, not just mileage. 15% i...
by munemaker
Sun Mar 05, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 2205

Re: Oil Change Advice Honda CR-V

If you read your owners manual I think you'd find you fall in the "severe service" category and thus more frequent oil changes would serve you best. Contaminants are building up in your oil that these short trips won't achieve the heat necessary to send them out your exhaust. Keep in mind...
by munemaker
Sun Mar 05, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 2205

Re: Oil Change Advice Honda CR-V

+1 for yearly OR 10,000 miles using premium FULL synthetic oil and an OEM or BETTER oil filter, not consumer lines like Fram, etc. I suggest Amsoil or Redline brand products. Check the oil level from time to time, don't leave the hood closed between changes and don't rely on the low oil level idiot...
by munemaker
Sun Mar 05, 2017 3:09 am
Forum: Personal Finance (Not Investing)
Topic: senior sw engineer pay in boston area.How does mine stack up?
Replies: 16
Views: 2636

Re: senior sw engineer pay in boston area.How does mine stack up?

Instead of asking random strangers on the internet, you might try some online research: http://www.computerworld.com/category/it-salary-watch/ ^^^ My giving out numbers wouldnt mean much because it only representes the companies Ive worked for (which may or may not be typical) and its a couple year...
by munemaker
Sat Mar 04, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: senior sw engineer pay in boston area.How does mine stack up?
Replies: 16
Views: 2636

Re: senior sw engineer pay in boston area.How does mine stack up?

Instead of asking random strangers on the internet, you might try some online research:

http://www.computerworld.com/category/it-salary-watch/
by munemaker
Sat Mar 04, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6504

Re: Climate and happiness revisited

Not exactly the question you are asking, but:

We are currently vacationing in Jamaica. The people here are mostly poor by US standards, but seem to be very happy. I am guessing it may have something to do with climate.
by munemaker
Sat Mar 04, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 2205

Re: Oil Change Advice Honda CR-V

There should be a book in the glove compartment that is titled "Owner's Manual" or something to that effect. Read it for instructions on oil change interval. I have a 2009 CRV. With my driving, the Maintenance Minder says to change the oil every 12,000 miles. I have always liked to over-ma...
by munemaker
Fri Mar 03, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3798

Re: Family Hounding me to Purchase SUV or Minivan

We bought a Chevrolet Tahoe when our kids were young. Neither of us wanted the stigma of a mini van. The Tahoe worked out well for us. :confused There is a stigma when parents drive a minivan? You must be hopelessly out of touch. Even soccer moms have switched to SUVs to avoid the shame and embarra...
by munemaker
Fri Mar 03, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3798

Re: Family Hounding me to Purchase SUV or Minivan

:confused There is a stigma when parents drive a minivan? You must be hopelessly out of touch. Even soccer moms have switched to SUVs to avoid the shame and embarrassment of being seen in a mini van. https://www.quora.com/Why-is-there-such-a-stigma-against-minivans https://www.cars.com/articles/201...
by munemaker
Fri Mar 03, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3798

Re: Family Hounding me to Purchase SUV or Minivan

We bought a Chevrolet Tahoe when our kids were young. Neither of us wanted the stigma of a mini van. The Tahoe worked out well for us. :confused There is a stigma when parents drive a minivan? You must be hopelessly out of touch. Even soccer moms have switched to SUVs to avoid the shame and embarra...
by munemaker
Fri Mar 03, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3798

Re: Family Hounding me to Purchase SUV or Minivan

We bought a Chevrolet Tahoe when our kids were young. Neither of us wanted the stigma of a mini van. The Tahoe worked out well for us. :confused There is a stigma when parents drive a minivan? You must be hopelessly out of touch. Even soccer moms have switched to SUVs to avoid the shame and embarra...
by munemaker
Thu Mar 02, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

Tycoon wrote:
Portfolio7 wrote:
In addition to wider economic metrics, I have tended to measure recoveries via local traffic...


This is funny because I do the same thing.


hmm...I have been using GDP, CPI and unemployment numbers.
by munemaker
Thu Mar 02, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6622

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

renue74 wrote:People keep talking about "waiting for a recession dip,"


Best thing is to follow your investment policy. Waiting is not a good practice.
by munemaker
Thu Mar 02, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6622

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

If my wife if "mom" and I am "Pop," I hate to tell Bloomberg but we have been in this for several decades; we are not "piling in."

Ignore the noise. Stay the course.
by munemaker
Wed Mar 01, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3798

Re: Family Hounding me to Purchase SUV or Minivan

We bought a Chevrolet Tahoe when our kids were young. Neither of us wanted the stigma of a mini van.

The Tahoe worked out well for us.
by munemaker
Wed Mar 01, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Time to invest
Replies: 18
Views: 1933

Re: Time to invest

AlohaJoe wrote:
Joe isn't even my real name!! (And I've heard rumors that Sheepdog isn't a dog!)


..and MonEMaker is no longer a money maker
by munemaker
Wed Mar 01, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4821

Re: Fidelity drops equity trade fee to $4.95

I have X number of free trades with Vaguard. Don't even know how many and it is rare that I use one.

Best approach is to accumulate no-load mutual funds rather than trading individual stocks. Then trading fees do not matter.
by munemaker
Wed Mar 01, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5441

Re: Pre-retirement checklist, what is on yours?

What items beyond reaching a certain level of savings are on your retirement checklist? 2 new cars I am curious why 2 new cars? Have your driving needs changed? Why wouldn't you just replace on whatever your normal cycle is? I have heard of others doing this and am just curious why. I retired on 2/...
by munemaker
Wed Mar 01, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 19970

Re: Extreme Valuations, and why you should reconsider

This entire thread seems to be about rationalizing market timing.

Just follow your investment policy. Invest in a diversified portfolio of stocks and bonds with an appropriate asset allocation and you will do fine.
by munemaker
Tue Feb 28, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5441

Re: Pre-retirement checklist, what is on yours?

What items beyond reaching a certain level of savings are on your retirement checklist? 2 new cars I am curious why 2 new cars? Have your driving needs changed? Why wouldn't you just replace on whatever your normal cycle is? I have heard of others doing this and am just curious why. I retired on 2/...
by munemaker
Mon Feb 27, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

As per all the indications that I can see, the economy is in chaos. KlangFool What indications are you referring to? Earnings are doing well. Interest rates are still low. Unemployment and inflation are low. Regulatory requirements are being relaxed. Corporate taxes are expected to be reduced. Comp...
by munemaker
Mon Feb 27, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1232

Re: Obamacare/ACA and Early Retirement

If Obamacare Exits, Some May Need to Rethink Early Retirement (from The New York Times) This is concerning to me. I was hoping to retire before I turn 63.5, and if any health insurance I can get is paltry, I'll have to work until 63.5 when I can use COBRA to bridge to Medicare. I just retired Frida...
by munemaker
Thu Feb 23, 2017 8:49 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

By "improve" they mean that regulations are going to loosen as far as I can tell. "Improve" in this context means more favorable to conducting business. For example, the Administration just killed the "Stream Protection Rule" that restricted coal companies from dumping...
by munemaker
Thu Feb 23, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

TomCat96 wrote:Alright. The market is going to crash. Valuations are through the roof and unreasonable. That's a fact.
It's the dot-com bubble all over again...


Sounds a lot like fear mongering.
by munemaker
Thu Feb 23, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wife discoverd UTMA account; Never received 1099s; Parents want it back
Replies: 21
Views: 2372

Re: Wife discoverd UTMA account; Never received 1099s; Parents want it back

I remember a friend whose dad passed away. The dae had a UTMA for one of his kids that he never told his (now adult) kid about. We were surprised that the estate lawyer said the account had to be included in the estate (and PA inheritance tax paid on it) because the parent had exercised control over...
by munemaker
Thu Feb 23, 2017 5:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10406

Re: anguard opens special offices for $1 million clients

Livesoft, You misunderstood me. The linked article says that vanguard will have three offices where flagshipers can meet face to face with their reps. However, those three locations a are too far from the vast majority of their FS customers. I heard from a FS rep in Scottsdale that the vast vast ma...
by munemaker
Tue Feb 21, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 19970

Re: Extreme Valuations, and why you should reconsider

dcarste wrote:
Thoughts?


Ignore the noise. Follow your investment policy. Don't time the market.
by munemaker
Tue Feb 21, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 10619

Re: For people who think the market is going to crash, where along the continuum are we?

I don't get the point of this thread. Asking when the market is going to crash is like asking how long you will live. The market may be high historically, but it looks ahead. Taxes are expected to fall and the regulatory environment is expected to improve. Market pricing is factoring in all known in...
by munemaker
Mon Feb 20, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 2919

Re: The need for bonds if I have a pension?

itstoomuch wrote:Not a teacher or gov.
We bought annuities and sold off bonds. We saw no need for bonds since the deferred annuities function the same way with greater safety (debatable).
YMMV :sharebeer



Can your heirs inherit an annuity like they can a bond?
by munemaker
Mon Feb 20, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 2919

Re: The need for bonds if I have a pension?

Your pension won't go up if the value of your stocks go down. Bonds often move counter to stocks.

If I were you, I would own a bond fund.
by munemaker
Sun Feb 19, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 3930

Re: Car windshield wipers - go cheap or better?

I use Michelin which are a Consumer Reports Best Buy. They are cheap (under $10) and have worked as well or better than more expensive blades $20 and up. Last set I used were Michelin I-beam type, and they lasted for several years (3?). They were still pretty good when I changed them. I bough Miche...

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