Search found 1372 matches

by munemaker
Tue Apr 25, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 53
Views: 2516

Re: $300+ to remove a racoon. Really?

My neighbor had a racoon in his garage that would not leave. He beat it to death with a baseball bat..blood all over the place. I would not recommend this.
by munemaker
Tue Apr 25, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 35
Views: 3096

Re: Vanguard has switched to brokerage only accounts

Does this have anything to do with the "Upgrade" buttons I see on my Vanguard page? What makes this an "upgrade?" Yes. This is the "upgrade" they are referring to. They call it an upgrade so it sounds like something attractive. In that case, I would say that Vanguard h...
by munemaker
Tue Apr 25, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 35
Views: 3096

Re: Vanguard has switched to brokerage only accounts

Does this have anything to do with the "Upgrade" buttons I see on my Vanguard page?

What makes this an "upgrade?"
by munemaker
Tue Apr 25, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Unauthorised Amazon payments
Replies: 3
Views: 526

Re: Unauthorised Amazon payments

On the few occasions someone has used my credit card number without authorization, I find the merchant and the credit card issuer hide the identify of the perpetrator. Charges get removed, but you never get any insight into who did it or what was done about it. I suspect nothing gets done and they j...
by munemaker
Mon Apr 24, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 114
Views: 10033

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

The old expression "Don't bite the hand that feeds you" seems to apply here.
by munemaker
Mon Apr 24, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 154
Views: 5494

Re: Will cars be autonomous in three years?

Hi all, My wife and I have been thinking about getting a new car for me. I drive a 2006 Sienna with about 150,000 miles on it. It is still fairly dependable, but definitely starting to need more and more expensive repairs. It also has a lot of cosmetic issues (thanks to nannies!) and I just don't l...
by munemaker
Wed Apr 19, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: PLEASE help - Vexing Tax Question
Replies: 6
Views: 754

Re: PLEASE help - Vexing Tax Question

You can ask OPM to correct it. The OPM retirement section is a constantly swamped agency. The issue must be a common occurence because the IRS Pub 559 gives direction in the last sentence from this excerpt: Interest and Dividend Income (Forms 1099) Form(s) 1099 reporting interest and dividends earn...
by munemaker
Tue Apr 18, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: PLEASE help - Vexing Tax Question
Replies: 6
Views: 754

Re: PLEASE help - Vexing Tax Question

This may be similar to your issue: Is a form 1099-R sent in the name of an estate considered earned income for the estate? [Link formatted by admin LadyGeek] That sounds a lot like our situation. I'll have to investigate it more. Still seems to me that the 1099-R should have the EIN of the estate r...
by munemaker
Tue Apr 18, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: PLEASE help - Vexing Tax Question
Replies: 6
Views: 754

Re: PLEASE help - Vexing Tax Question

How did they have your wife's name to include as a beneficiary if she wasn't listed as a beneficiary? As the executrix of her aunt's estate, wife contacted OPM, told them her aunt had died, that she is the executrix and sent a death certificate & letters testamentary. They sent her a form askin...
by munemaker
Tue Apr 18, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Seasonal Tire Rotation
Replies: 3
Views: 495

Re: Seasonl Tire Rotation

We live in NY and switch our snow tires seasonally. We also balance and do alignment on them but were told that not all tires require alignment. Is that true and do you always do alignment? Thanks. You are not aligning the tires. You are aligning the car's suspension. Generally not necessary when y...
by munemaker
Tue Apr 18, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: PLEASE help - Vexing Tax Question
Replies: 6
Views: 754

PLEASE help - Vexing Tax Question

My wife is executrix for estate of a deceased aunt. I am helping her. We have a tax question. We have researched this online and have not been able to find an answer. I hope someone can help. Aunt was a retired government employee who was receiving a pension under FERS. She died in September. No ben...
by munemaker
Mon Apr 17, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5075

Re: Is my electric bill high?

Seems like you use a lot of juice!

2,100 sq ft home in NW PA.
- average 655 KWH per month @ about $100/mo.
- No pool, no central air
- gas water heater, gas heat
- electric dryer and window A/C.

Just two of us.
by munemaker
Sun Apr 16, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 39
Views: 3913

Re: Will it be a mistake to buy VTSMX today?

I was thinking about investing into the VTSMX fund soon, but looking at the recent market downturns, will it be a mistake to invest at this moment? Please provide your expert opinions. Thanks in advance A couple percent off of the all time high is hardly a market downturn. If you are going to inves...
by munemaker
Sun Apr 16, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3680

Re: which tv and size to buy

Sounds good. Hope it lasts a long time. I'm not a fan of extended warranties, but I guess $6 a year isn't much to spend on the extra assurance. Selecting a TV size based on the hole in your entertainment system is the tail wagging the dog. The entertainment center is there to support the TV. The OP...
by munemaker
Sat Apr 15, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

It is impossible to spend more than the OPM. That is why you should not have any worries because you know your max. That's not true on my plan, and I suspect on most. You can't spend more than the OPM on covered medical expenses, but if it doesn't count as covered, it doesn't count toward the OPM. ...
by munemaker
Sat Apr 15, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3680

Re: which tv and size to buy

Selecting a TV size based on the hole in your entertainment system is the tail wagging the dog. The entertainment center is there to support the TV. The TV is not there to fill an opening in the entertainment system. Therefore, it makes sense to select an appropriate sized TV for your viewing distan...
by munemaker
Sat Apr 15, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

never heard that low before I am hoping that you are not mixing deductible with OPM Just curious what industry what type of company you are in? 3K is really low for OPM No mixing is occurring. My deductible is $250 and my OPM is $3000. Without giving too much identifying info, I'm at one of the top...
by munemaker
Fri Apr 14, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

Don't they show the sticker cost and the discount on the Explanation of Benefits? That's what our insurance does. I thought it was a universal practice.
by munemaker
Fri Apr 14, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 3403

Re: Janus Unconstrained, almost three years in...

Did you have a question about this?
by munemaker
Thu Apr 13, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Range of ACA premiums for seniors
Replies: 6
Views: 880

Re: Range of ACA premiums for seniors

Good Listener wrote:Not u.seful


Please clarify. What is "not useful?"
by munemaker
Thu Apr 13, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3470

Re: Cost Creep and Teen and College Years?

OP, It is very simple. Can you say no? 1) I save 30+% of my gross income. I do "Pay Yourself First". If I do not have the money, I could say no. 2) If the children want something beyond what I can or willing to pay for, they have to find and use their own money. We give cash for their bir...
by munemaker
Thu Apr 13, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pennsylvania Local Earned Income Tax - Question
Replies: 8
Views: 589

Re: Pennsylvania Local Earned Income Tax - Question

In both cases, the local EIT instructions tell you to prorate the EIT for the months you live in the municipality. There are places on the forms to put in the dates you lived in the municipality. I guess that's sort of the problem I'm having. If I treat the Philly city wage tax as Philly EIT and fo...
by munemaker
Thu Apr 13, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pennsylvania Local Earned Income Tax - Question
Replies: 8
Views: 589

Re: Pennsylvania Local Earned Income Tax - Question

I live on the east side of the state. I do my own local taxes and also my son'w who lives in Pittsburgh. In both cases, the local EIT instructions tell you to prorate the EIT for the months you live in the municipality. There are places on the forms to put in the dates you lived in the municipality....
by munemaker
Thu Apr 13, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3680

Re: which tv and size to buy

Plasma is old tech. They have not been manufactured in years.

Go with the biggest size possible. There are calculators online that will tell you the optimum size for your viewing distance.

Samsung is a very good brand. I am sure there are others.
by munemaker
Thu Apr 13, 2017 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Range of ACA premiums for seniors
Replies: 6
Views: 880

Re: Range of ACA premiums for seniors

You can get a quick estimate here that is pretty accurate:

kff.org/interactive/subsidy-calculator/
by munemaker
Wed Apr 12, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax woes - how to contact TT?
Replies: 22
Views: 1290

Re: Turbo Tax woes - how to contact TT?

I just googled "how to contact Turbo Tax" and came up with the following link!

https://support.turbotax.intuit.com/contact/
by munemaker
Mon Apr 10, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1552

Re: Help me decide what to do with my cars

My 2007 civic with 175k miles has never once broken down on me. Don't sell a car now because you think it might maybe be unreliable in the future. I just retired but prior to that was commuting 100 miles/day in my Honda CRV that had 193,000 on it when I quit working. Around 130,000, I had to have t...
by munemaker
Mon Apr 10, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4054

Re: Require Access to School Records?

Did you press the issue and force your student to sign the papers authorizing access? How, exactly, would you "force" your child to sign something? Time to cut the cord, IMO. How would knowing your daughter's grades be beneficial to either one of you? It seems obvious to me that the way t...
by munemaker
Sun Apr 09, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 1952

Re: BH thoughts on car insurance

I'm shopping around for car insurance and wanted to know if anybody has any recommendations. I currently have Farmers. I purchased my car (2000 Camry) for $6,000 all cash. It's a cheap car that gives good gas mileage (4 cylinder). Am I better off going with the cheapest insurance company I can find...
by munemaker
Sun Apr 09, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4054

Re: Require Access to School Records?

Did you press the issue and force your student to sign the papers authorizing access? How, exactly, would you "force" your child to sign something? Time to cut the cord, IMO. How would knowing your daughter's grades be beneficial to either one of you? The way to force your child to sign s...
by munemaker
Sun Apr 09, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4054

Re: Require Access to School Records?

Did you press the issue and force your student to sign the papers authorizing access? How, exactly, would you "force" your child to sign something? Time to cut the cord, IMO. How would knowing your daughter's grades be beneficial to either one of you? It seems obvious to me that the way t...
by munemaker
Sun Apr 09, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4054

Re: Require Access to School Records?

Duplicate
by munemaker
Sun Apr 09, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 952

Re: Setting up home office/network question

We mostly use Chromebooks, but we do have an HP desktop which has built in wi-fi. We have ethernet connected to the desktop and never have reason to use the built in wi-fi. I don't have much experience with desktops so I don't know how common it is to have built in wi-fi. You might check yours to se...
by munemaker
Sat Apr 08, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 9061

Re: Social Security at 62 vs 66

Some time ago someone on this board suggested a visit to the website Socialsecuritychoices.com If you take a couple minutes or so to answer a couple questions, you get an excellent report that identifies the best mathematical time to take SS plus the costs (less SS) of doing something else. IF you ...
by munemaker
Fri Apr 07, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1054

Re: What are "safe bonds"?

I have personally had multiple situations where I had insured CDs at government insured Banks/ Savings & Loans that went belly up. I eventually got the principle back but not the promised interest. So I would not say they are equal as far as safety. For an organization I manage (part time), we ...
by munemaker
Fri Apr 07, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 4041

Re: Avoiding shafting my local merchants with card fees

I'm shopping for new credit cards for my parents. I'm aware that the "interchange fee" varies based on card benefit level (here's a guide): https://www.helcim.com/us/pricing/visa-mastercard-interchange-rates/ For example the interchange rate set by Visa for a Visa Debit is as low as .8% +...
by munemaker
Fri Apr 07, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1054

Re: What are "safe bonds"?

I see the term used a lot here, especially when discussing the Larry Portfolio. I did a search and was not able to find an explanation in other threads. Probably didn't look hard enough. The term implies there are "safe" and "unsafe" bonds. Are unsafe bonds just lower quality co...
by munemaker
Fri Apr 07, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1054

Re: What are "safe bonds"?

The safest investment in the world are bonds issued by the US Government. When I went to business school, they referred to interest rates on such bonds as the "risk free rate." "Risk free" means you are sure you will get your money back with the promised interest. You can still l...
by munemaker
Mon Apr 03, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: IS 200k household income "middle income" these days? Has that threshold increased?
Replies: 42
Views: 2707

Re: IS 200k household income "middle income" these days? Has that threshold increased?

According to the latest numbers from the U.S. Census bureau : Lowest median income is for female householders at $29,022 Highest median income is for married couples at $84,626 Median income for all households is $56,516 Nationally I would have guessed $55K for median family income, so this sounds ...
by munemaker
Mon Apr 03, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 2634

Re: Verbal abuser at work

As a senior manager (before I recently retired), I advise you to tread lightly. Employees seldom win a fight with their boss.

Usually time takes care of these situations, but it can take quite a bit of time.
by munemaker
Thu Mar 30, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 7572

Re: Bankruptcy of Westinghouse Electric

My niece designs nuclear reactor a at Westinghouse. She is concerned about her job.
by munemaker
Tue Mar 28, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 4791

Re: Daugther's Credit Card Windfall

I assume that Discover will catch this eventually, when they do will their be any sort of repercussions (like penalties)? If she knowingly keeps this money she should report it as income; there could be IRS penalties for not reporting it. You also don't know the source of the error; a hacker friend...
by munemaker
Sat Mar 25, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5379

Re: What online bank do you use?

Capital One 360 - I opened the account to get the sign up bonus. I liked the interface so much that I moved my cash there. Highly recommend! Prior to that, I used Discover Bank. I ditched Discover after they blocked an important, time-sensitive ACH transfer. They would not give me a reason that made...
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: 349

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: 2117

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: 3873

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: 2561

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: 754

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: 7392

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: 5437

Re: Investing when market is peaking

What makes you think the market is peaking?

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