Search found 1766 matches

by munemaker
Wed Aug 16, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

Re: ObamaCare 2018

Pretty fortunate here in NW PA. I retired in March 2017 and was facing $12,000 COBRA premiums for my DW and me (good plan though). I am planning to take my small defined benefit pensions at age 65 and postponed SS (hopefully to age 70). Most of our investments are in tax deferred accounts. I have a ...
by munemaker
Wed Aug 16, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

Re: ACA 2018

nisiprius wrote:
Tue Aug 15, 2017 4:38 pm
We used to be pretty punctilious in this forum about calling it "ACA" and that's probably still a good idea....
OP here. Can't we just keep the discussion about healthcare and leave the politics out?
by munemaker
Wed Aug 16, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 21
Views: 741

Re: what % of international stock

You are going to get answers from zero to fifty percent in international. Bogle and Buffet would say zero. Others on here will say 50. You will get answers everywhere in between. There is no right answer. It is up to you. When you say "in this market," you are implying market timing. Your asset allo...
by munemaker
Wed Aug 16, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Going passive is an active decision
Replies: 28
Views: 1456

Re: Going passive is an active decision

So is the converse true as well...that going active is a passive decision?

This seems like twisting words in a nonsensical fashion.

It is popular now for the active crowd to pick on index funds, presumably to Vanguard eating everyone's lunch.
by munemaker
Mon Aug 14, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

Re: ObamaCare 2018

And don’t forget if your MAGI income is under 400% of the Federal Poverty Level your premium* is a function of your income and not what the insurance company charges. * Based on a Silver tier plan. That's not entirely true. It is based on your income and what the premium is, which varies by area. Y...
by munemaker
Mon Aug 14, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7307

Re: Aug. 2017 US total eclipse hotel reservations.

The eclipse is only going to last for 2 to 3 minutes. To me, it seems excessive to travel and rent hotel rooms for 2 to 3 minutes. To each her own.
by munemaker
Mon Aug 14, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

Re: ObamaCare 2018

And don’t forget if your MAGI income is under 400% of the Federal Poverty Level your premium* is a function of your income and not what the insurance company charges. * Based on a Silver tier plan. You can definitely make under 400% of poverty and be on a silver plan and get no subsidy. Thanks I di...
by munemaker
Mon Aug 14, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using i-orp as a guide for withdrawals?
Replies: 22
Views: 2525

Re: Anyone using i-orp as a guide for withdrawals?

The reason (for me) that the spend number was "too high" was because in a single run of i-orp, there is zero chance of a "sequence of returns" disaster. This is because it presumes a nice smooth growth for equities and a nice smooth yield for bonds. So while your other back-test kinds of calculator...
by munemaker
Mon Aug 14, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using i-orp as a guide for withdrawals?
Replies: 22
Views: 2525

Re: Anyone using i-orp as a guide for withdrawals?

I tried i-orp and found that its recommendations were useless. At first it was exciting to seem to get recommendations for optimizing withdrawal and Roth conversion strategy. but the details were very distressing. I-orp had me making massive Roth conversions into very high tax brackets. Like any to...
by munemaker
Mon Aug 14, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 40
Views: 3994

Re: How I use I-ORP, and who shouldn't

I also didn't hesitate to buy a copy of Living Off Your Money when some Bogleheads fixated on the insult of paying for the book. I just ordered the book in paperback. I did not feel insulted, but was disappointed it is not available at a public library and is not available in the Kindle format. I m...
by munemaker
Sun Aug 13, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2050

Re: For those switching to Chrome from Firefox

macheta wrote:
Sun Aug 13, 2017 2:15 am
I have been using Chrome since it started. The browser now uses too much resources and causes a lot of problems similar to Internet Explorer. I actually am starting to use FireFox now since I like the VPN feature.
What problems did you experience? I have not noticed any problems,
by munemaker
Sat Aug 12, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

Robert The Bruce wrote:
Sat Aug 12, 2017 9:08 pm
sometimes if I google a book title I'll see a link to a site like https://www.ebooks10.net/.
I just tried this. It is a scam. Don't waste your time on it.
by munemaker
Sat Aug 12, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance for grandpa? liability risk or higher rate
Replies: 11
Views: 676

Re: Car insurance for grandpa? liability risk or higher rate

Are you concerned about his age, meaning do you think a person at age 62 is not capable of driving a car safely? I know people much older than that who have driven large motor homes or towed trailers for trips that are many thousand miles. Unless there is some special issue, I wouldn't worry about a...
by munemaker
Sat Aug 12, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

Each service has a different collection, so finding your favorite author or title may be an issue. I am still fairly new at this, but it seems like the collections are tied to the libraries, not the services. For example, using Overdrive on Library A may find a book that using Overdrive on Library ...
by munemaker
Sat Aug 12, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

I don't know who would borrow physical CDs and DVDs I do. Why do you think people wouldn't? I do, as well. One thing I like about the DVDs I borrow is they frequently have "special features," at the end of the season or movie. I find these interesting. Most streaming services don't have these speci...
by munemaker
Sat Aug 12, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

Each service has a different collection, so finding your favorite author or title may be an issue. I am still fairly new at this, but it seems like the collections are tied to the libraries, not the services. For example, using Overdrive on Library A may find a book that using Overdrive on Library ...
by munemaker
Sat Aug 12, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

I don't know who would borrow physical CDs and DVDs I do. Why do you think people wouldn't? I was feeding off of the above quote "At the regular rummage sale, they won't even take CDs or DVDs or even CD/DVD players since they say nobody wants them. They are pretty much archaic technology." I person...
by munemaker
Sat Aug 12, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

And there are huge areas in the stacks of CDs and DVDs (like an entire set of shelves for Horror Movies, no kidding). They had several copies of the Spice Girls movie from 1997. (My apologies if you are a fan of this movie. No offense of course.) At the regular rummage sale, they won't even take CD...
by munemaker
Sat Aug 12, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6262

Re: How far would you travel to see The Eclipse?

I once flew my Lear Jet up to Nova Scotia to see a total eclipse of the sun. That's about 650 nautical miles.
by munemaker
Sat Aug 12, 2017 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3221

Re: Can a salaried employee be docked pay...

The Wizard wrote:I was a salaried employee for 40 years.
I was never docked pay.
I had sick leave as needed, no specific number of hours or days.
It worked out fine...
Me too, but I always followed my employer's policy regarding paid time off.
by munemaker
Fri Aug 11, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3146

Re: Elite status clubs that you are part of?

"I refuse to join any club that would have me as a member."

Groucho Marx
by munemaker
Fri Aug 11, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 99
Views: 23758

Re: Capital One 360 New Money Market Account, 1% on over 10k

for those that have Capital one MMA and Capital 360 Checking accounts... 1. If you log onto your capital one 360 account, does the MMA account also show up? 2. Are money transfers INSTANT between your MMA account and your capital 360 Checking (and vice versa)? 3. Does transfers from your 360 saving...
by munemaker
Fri Aug 11, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 99
Views: 23758

Re: Capital One 360 New Money Market Account, 1% on over 10k

Got this reply after 3 days from CapOne: We've confirmed that our Money Market Accounts cannot currently be accessed through third party financial tools. Because of this, your Money Market Account details can only be seen through our website. Since this account is hot off the press, we're still wor...
by munemaker
Thu Aug 10, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2134

Re: Laptop suggestions pls

Deleted
by munemaker
Thu Aug 10, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 6783

Re: 20% In REITS?

Is 20% of your stock portfolio to much to have in REITS? I am trying to figure out what the sweet spot/percentage is to allocate of your stock portion to REITS. This is if you solely hold the Vanguard Total U.S. Stock Market Index and no international. You are late to the party. REITs have done fan...
by munemaker
Thu Aug 10, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 6783

Re: 20% In REITS?

soboggled wrote:About 0%. If you own a house you have more than enough in the real estate sector.
Most don't consider their primary residence as part of their investment portfolio.
by munemaker
Thu Aug 10, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5948

Re: What Percentage CASH are you?

I am retired and in the distribution phase. My portfolio is about 50% equities/ 40% bonds/ 10% cash.

The reason for the cash is it keeps my health insurance (ObamaCare) premium low because cash does not generate much taxable income these days. Investments are in IRAs so no taxable income.
by munemaker
Thu Aug 10, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

Re: ObamaCare 2018

This is interesting; thanks for posting. Of course, insurance is local, so unless one lives in the major cities cited, the numbers will be different. I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive. You can get quick, f...
by munemaker
Thu Aug 10, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3712
Views: 978578

Re: U.S. stocks in freefall

Market is dropping for a change. Let's get this thread fired up!
by munemaker
Thu Aug 10, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 37
Views: 4912

ObamaCare 2018

If you are on ObamaCare or thinking about going on ObamaCare, here is an informative and timely report from Kaiser Family Foundation that you should read: An Early Look at 2018 Premium Changes and Insurer Participation on ACA Exchanges http://www.kff.org/health-reform/issue-brief/an-early-look-at-20...
by munemaker
Thu Aug 10, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1975

Re: Personal Capital without giving them my passwords: worth it?

OP here. I don't want to give them my phone number. Why not? What's the concern? Not to speak for the OP, but the only conceivable reason anyone would ask for one's phone number is if they intended to call it, and I already get enough phone calls from solicitations, scammers, and various other nuis...
by munemaker
Thu Aug 10, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1975

Re: Personal Capital without giving them my passwords: worth it?

oldcomputerguy wrote:
oldzey wrote:I used to use Personal Capital that way, but I've found that Microsoft Excel works just fine. :beer
+1 on this.
The capabilities of Personal Capital go far beyond your homemade spreadsheet.
by munemaker
Thu Aug 10, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1975

Re: Personal Capital without giving them my passwords: worth it?

Emiliania wrote:OP here.

I don't want to give them my phone number.
Why not? What's the concern?

Everyone else I do business with seems to require it. Insurance companies, utility providers, other investment companies, etc.
by munemaker
Thu Aug 10, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1975

Re: Personal Capital without giving them my passwords: worth it?

LOL LOL Really? People think this is okay? What do you tell your brokerage when your account has been drained and they ask if you have ever shared your password?! And this is all so that somebody else can help you to manage your money? :oops: Hold on to your hat! I have also entered account informa...
by munemaker
Thu Aug 10, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Short Term Treasury fund rated BBB credit quality?
Replies: 32
Views: 2527

Why is Vanguard Short Term Treasury fund rated BBB credit quality?

Was looking at VFIRX on Morningstar and was surprised to see Morningstar has it rated "Medium" for credit quality with "Average Credit Quality" stated as BBB. Since the fund holds almost all US government obligations, mostly Treasury Notes, why would it be rated so low? I must be missing something o...
by munemaker
Thu Aug 10, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1793

Re: Toyota Radio and Backup Camera No Longer Work

AAA replaced the battery. I called them up and they said there is nothing we can do for you. I am going to call them again. I could be wrong, but I don't think AAA does car repair. +1 AAA does emergency roadside service. They changed out a battery. Not their fault. The problem occurred immediately ...
by munemaker
Thu Aug 10, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1793

Re: Toyota Radio and Backup Camera No Longer Work

obafgkm wrote:
SVariance1 wrote:AAA replaced the battery. I called them up and they said there is nothing we can do for you. I am going to call them again.
I could be wrong, but I don't think AAA does car repair.
+1

AAA does emergency roadside service. They changed out a battery. Not their fault.
by munemaker
Wed Aug 09, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 3234

Re: Do you plan to ditch your laptop in travel soon?

If my eyes were as good as they were when I was 20, I would totally depend on the smart phone. They aren't, so I will continue to use the laptop.
by munemaker
Wed Aug 09, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1802

Re: Personal Capital - Questions about the "Cash Flow" feature

Maybe stop buying things that you return for a refund and the problem will go away? Or delete both transactions if you want to use the data provided by Personal Capital for budgeting? It's DW. She buys 5 clothing items online, tries them on, and returns maybe 2 of them. But it goes beyond that. Aut...
by munemaker
Tue Aug 08, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5113

Re: Buying a Vehicle the Old Fashioned Way

lthenderson wrote: $700 Scotch Guard interior, exterior paint and rust proofing protection.
This stuff is BS. No way I would let a dealer do this to my brand new car. I thought they got rid of this crap years ago.
by munemaker
Tue Aug 08, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 654

Re: Help me understand GNMA fund vs CDs

GNMA's principle guanantee is through the US government... GNMA bond fund's maturity will stay the same. GNMA loans may be pre-paid ahead of schedule. Just to clarify, OP is asking about GNMA fund, not GNMAs. GNMA fund does not itself mature. As owner of GNMA fund, you do not have to be concerned a...
by munemaker
Tue Aug 08, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 1669

Re: Question for Buick Verano (non turbo) or Mazda3 owners

Sometimes when I read car threads on this forum, I get the impression that no one ever has a good experience with American cars. I've had four; a '67 Mustang, a '83 Camaro, and two Pontiac Grand Prix, '90 and 2002. Had good results with all of them. I concur. American metal is often overlooked. Oft...
by munemaker
Tue Aug 08, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 654

Re: Help me understand GNMA fund vs CDs

GNMA fund and CDs are as different as an apple and an orange. The value of the GNMA fund is going to fluctuate based on interest rates. There is no maturity date. It is even possible you could lose some money. The principal and interest of the CD are guaranteed to be paid on the maturity date. The C...
by munemaker
Tue Aug 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1802

Re: Personal Capital - Questions about the "Cash Flow" feature

OP, as long as it makes sense to you, let it be. It does not have to be in accordance with GAAP. Also, you can create your own categories I believe; i.e. you don't have to choose between "Healthcare/medical" or "insurance" - you can create a new category called Health Insurance. Hope that helps. Th...
by munemaker
Tue Aug 08, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1802

Re: Personal Capital - Questions about the "Cash Flow" feature

1. Refund is not an income and it should be netted against related expense. Similarly, tax refund is not an income, it's an interest-free $ that you loan the Internal Revenue if you over-withhold tax. Reimbursement for an expense that you paid is not income. For budgeting purpose, you want to keep ...
by munemaker
Tue Aug 08, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1802

Re: Personal Capital - Questions about the "Cash Flow" feature

+1 for making both the original purchase and return a "Transfer" item. It takes a bit more work, but I also am not a fan of showing return items as income. This is just how PC works, I emailed them about it. Said it was as designed. OK, I think we are on the same page philosophically. I don't think...
by munemaker
Tue Aug 08, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1802

Re: Personal Capital - Questions about the "Cash Flow" feature

I don't understand your problem. Say you didn't return the clothes you just bought, what if you sold a shirt for $50 for some reason? You'd be upset that this was marked "clothing/shoes" rather than "income", "sales", "other income" etc? I have no problem seeing returns come in as income in that ex...
by munemaker
Tue Aug 08, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 80
Views: 7006

Re: Drinking water price craziness

The convenience is: If I decide to go for say, a 3 mile walk on a warm day. I grab a cold bottle of water from the fridge (I don't have to fill a bottle). When the bottle is consumed on my walk, I can just dispose of it in an appropriate public waste container and not carry it home with me. When ar...