Search found 739 matches

by neilpilot
Sat Aug 19, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 1
Views: 98

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

Were your 2 ATM withdrawals at the same time? I ask because the Canadian exchange rate has been changing significantly over the past 4 weeks. As one more data point, on July 25 my local bank Debit card delivered CD$ at a Vancouver ATM at $0.804 exchange, and charged an additional $1.55 fee.
by neilpilot
Sat Aug 19, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7055

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

Is there anything like "TripCheck" elsewhere? In particular, in Nashville? Glorious weather here now :happy RM https://smartway.tn.gov/traffic/?position=-86.78882549999997,36.190326721817044,10&features=incidents,traffic be sure to open the "feature menu" to select the conditions you want to view H...
by neilpilot
Sat Aug 19, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7055

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

Is there anything like "TripCheck" elsewhere? In particular, in Nashville? Glorious weather here now :happy RM https://smartway.tn.gov/traffic/?position=-86.78882549999997,36.190326721817044,10&features=incidents,traffic be sure to open the "feature menu" to select the conditions you want to view
by neilpilot
Fri Aug 18, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

Ok, I think I'm seeing it a little better now. Bottom line is, for the payment they received on February 24th, they applied the same interest as they would have if they'd received that payment on March 24th. Correct? If you say so, since we can only go by your account of what the March payment brea...
by neilpilot
Fri Aug 18, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for 82 yr old widow in TN
Replies: 20
Views: 1283

Re: Asset Allocation for 82 yr old widow in TN

Tax bracket: 25% fed, 5% TN Hall Tax Currently she has around $300K in individual TN muni bonds (due to Hall Tax - which is getting phased out by 2021) The Hall tax rate for 2017 is down to 4%, and is expected to drop another 1% every year until it's 1% in 2020, and then gone in 2021. Unless that c...
by neilpilot
Fri Aug 18, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 74
Views: 4744

Re: DUI lawyer - need advice

If the OP's DC holds a pilot certificate, be sure to report the charge to the FAA irrespective of the outcome. Failure to report can result in certificate suspension, whereas a first offense after a proper report is often a non issue.
by neilpilot
Fri Aug 18, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6087

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

I cannot believe it. Forecast now shows clear and sunny in Nashville on Monday. Actually NOAA projection for Nashville at 1pm is for 30% sky cover. This is per their forecast outlook updated as of 7:30C this morning. It still should be sunny, but I'd expect scattered clouds. It's projected to be a ...
by neilpilot
Fri Aug 18, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

Back when I had a mortgage, I made a few payments of additional principal. They were always made along with my normal monthly payment, which I believe is the way my lender expects it to be used. That's reasonable. Now let's say you mailed a regular payment in on 2 consecutive days. How much interes...
by neilpilot
Fri Aug 18, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

I have a Chase mortgage. On their website, if you choose to pay your mortgage, there are three boxes. The first is autopopulated with XX minimum payment due (where XX = my monthly mortgage amount). The next two are for additional principal and additional escrow. If I wanted to pay principal only, I...
by neilpilot
Fri Aug 18, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

Back when I had a mortgage, I made a few payments of additional principal. They were always made along with my normal monthly payment, which I believe is the way my lender expects it to be used. That's reasonable. Now let's say you mailed a regular payment in on 2 consecutive days. How much interes...
by neilpilot
Fri Aug 18, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

The normal interest, which would be credited as the next payment due. As you experienced.

You do not get "credit" for any early payments, only for paying down your principal.
by neilpilot
Fri Aug 18, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 1776

Re: Did Chase Apply My "Additional Principal" Payment Legally?

Back when I had a mortgage, I made a few payments of additional principal. They were always made along with my normal monthly payment, which I believe is the way my lender expects it to be used.
by neilpilot
Fri Aug 18, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6087

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

I cannot believe it. Forecast now shows clear and sunny in Nashville on Monday. Actually NOAA projection for Nashville at 1pm is for 30% sky cover. This is per their forecast outlook updated as of 7:30C this morning. It still should be sunny, but I'd expect scattered clouds. It's projected to be a ...
by neilpilot
Wed Aug 16, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 45
Views: 4367

Re: What home task(s) are worth learning to do yourself?

I live in a gated community where few of the residents do their own lawn care. I'm one of the few. Last month my neighbor commented that if he stopped paying for lawn service and did the work himself, he'd likely also get sufficient exercise to drop his gym membership.
by neilpilot
Wed Aug 16, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3208

Re: T-Mobile promotion for 55+

I'm considering switching from my AT&T family plan. It seems that there are the following advantages over AT&T (and Cricket?) beyond $ savings:
    • unlimited data
      ability to tether my iPad
      some free international services in Canada & Europe
      limited free GoGo inflight texts and internet
by neilpilot
Wed Aug 16, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 768

Re: Hail protection for new car?

Our neighbors have 4 or 5 cars (several of them late model and expensive). At one point I noticed NO cars there at all. The next day, the cars were back and I asked the husband about where all the cars went the day before. He said there were predictions of a severe storm with likely hail coming, so...
by neilpilot
Tue Aug 15, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6077

Re: Expect to spend $2.6M on healthcare?

You can grow the cost of anything for "inflation" over the next 35 years and have it be a scary number. The whole idea of inflation is that wages and everything else will keep up with it. Your health care example: $404,253 * 1.0547^35 = $2.6M? Honda Accord (E-XL model) - decent car but not ridiculo...
by neilpilot
Tue Aug 15, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 32
Views: 2834

Re: Kitchen Remodel Price/Contractor Dispute

Just pay it. Why expend this much energy over $500? You owe me $500 for reading this post. Please send directly to me. Need some advice. 8Foot7 is trying to charge me $500 even though we never had a contractual agreement. Further in order to find out they are trying to charge me they made me read t...
by neilpilot
Tue Aug 15, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 953

Re: Filing Restricted SS Application - Language Check

I applied in person for my Divorced Spouse Benefit in November a few years ago. I got some printouts from them and was confident they got my application right. I don't recall getting any other communiques from the SSA prior to my first (correct) deposit from them in mid March. So I'm not sure what ...
by neilpilot
Tue Aug 15, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How much coverage should I buy in an umbrella liability policy
Replies: 15
Views: 1529

Re: How much coverage should I buy in an umbrella liability policy

That's another story: premiums for these have also gone up at about the same rate as the umbrella policy. So, I think it may be time to shop around and find another company for two cars + the umbrella. When I moved my auto+home+umbrella from Nationwide, I found that GEICO was much less for auto and...
by neilpilot
Mon Aug 14, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Car accident - dealership body shop or independent?
Replies: 17
Views: 792

Re: Car accident - dealership body shop or independent?

Both aftermarket body & OEM parts are available to both the dealer's and indy collision shop. You and your insurance coverage will determine which will be used. Typically, the quality of paint matching is the tipping point to determine a quality collision repair. A good indy collision shop is typica...
by neilpilot
Mon Aug 14, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7055

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

About 30 feet to my front porch. We are right smack in the middle of the 70 mile wide "zone of totality" here in TN, one of the top 30 towns in the country to view the eclipse. We'll go out on the deck since the front porch is covered. During totality, will major airports stop take-offs and landing...
by neilpilot
Mon Aug 14, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Hsa investment account
Replies: 6
Views: 727

Re: Hsa investment account

My Fidelity HSA (maintained from prior employer post retirement) charges a quarterly fee. Was $10 for 1Q17, then $9 for 2Q17 and 3Q17.
by neilpilot
Mon Aug 14, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1373

Re: Loud squeaky noise when starting the car

Hope that was all that it took to repair. I don't know about your car, but the cars I own have belt tensioners that maintain proper tightness. In both cars, you either release tension to change the belt, or allow the tensioner to maintain proper belt tension. There is no other means of "tension adju...
by neilpilot
Sun Aug 13, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7055

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

...... Harvard College (It was a college at that time! It had NOT become a university yet), Mass. Well, it's still a college as well. Harvard College refers to the undergraduate institution, which is served by the faculty of Arts and Sciences. In other words, Harvard College is one of the schools t...
by neilpilot
Sun Aug 13, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 953

Re: Filing Restricted SS Application - Language Check

I think your statement looks fine. Last year I filed my restricted application online, and used the following statement: "I wish to exclude Retirement benefits from the scope of this application. I wish for my restricted spousal benefit to begin in May, my birthday month. I do not wish to begin my o...
by neilpilot
Sun Aug 13, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 535

Re: Pool Pump/Filter Trouble Shooting

There is definitely a leak in the valve (mine is the same as the link below). If I pour water on top of the handle (without the screw in) it sucks it right in. I was just wondering if it was worth trying to replace the top cap and gate rather than replacing the whole valve which would involve some ...
by neilpilot
Sun Aug 13, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3208

Re: T-Mobile promotion for 55+

Is there an option to have a 3rd line?
by neilpilot
Sun Aug 13, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6077

Re: Expect to spend $2.6M on healthcare?

in reality, I think the 400k today or 2.6M is the total amount billed and paid. This means that we're paying it all along as we're working now, and a minor portion is being paid in retirement as premiums and copays. You may be correct, but as I read the OP's link that 400k is the cost of medicare p...
by neilpilot
Sun Aug 13, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Create a Mortgage Payoff Fund or Not?
Replies: 20
Views: 1360

Re: Create a Mortgage Payoff Fund or Not?

Option 1 (or option 3) of course. I can't understand your plan for option 2. Will you wait until you have 300k in your emergency fund to payoff mortgage, so that your required 100k remains? How about option #4: pay down mortgage by 100k from existing 200k emergency fund. Then increase your regular m...
by neilpilot
Sun Aug 13, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 535

Re: Pool Pump/Filter Trouble Shooting

I do have a leak. It is coming from a diverter valve. I replaced all three o-rings, but it is still leaking. What is the next step? Is it possible and/or recommended to replace the top cap and gate, or is it time to replace the whole valve? It's likely the leak is at the handle stem on the diverter...
by neilpilot
Sun Aug 13, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 768

Re: Hail protection for new car?

Assuming you can install a low cost carport, research the address of nearby covered parking facilities and plan to relocate if the forecast warrants. Depending on wind direction, parking downwind close to a large building will reduce the probability of damage. Don't drop your comprehensive coverage....
by neilpilot
Sun Aug 13, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6077

Re: Expect to spend $2.6M on healthcare?

in reality, I think the 400k today or 2.6M is the total amount billed and paid. This means that we're paying it all along as we're working now, and a minor portion is being paid in retirement as premiums and copays. You may be correct, but as I read the OP's link that 400k is the cost of medicare p...
by neilpilot
Sun Aug 13, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6077

Re: Expect to spend $2.6M on healthcare?

Your inflation factor amounts to a x 6.44 increase in price. Lots of things would seem expensive, but if wages keep pace, they won't be in real terms. Bananas now cost $0.50/lb, inflates to $3.16/lb. Gallon of milk now costs $2.69, inflates to $17.35. Modest house in Austin, TX now costs $300k, inf...
by neilpilot
Sun Aug 13, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1091

Re: Alternatives/choices with ambulance or rescue squad

If you really want to save serious money, consider a medical bracelet that says "DO NOT AIRLIFT". I've seen instances where a helicopter was called in, simply because it was available, and an ambulance transport would have been just as fast. I know it's sometimes necessary, based on your location or...
by neilpilot
Sun Aug 13, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6077

Re: Expect to spend $2.6M on healthcare?

It's a good thing the total does not include the projected cost of long term care for that average 65 YO couple, or it might be a really big number :) Just focus on living a healthy lifestyle, since the payback is that you might just better the averages. That might deliver a larger % payback than yo...
by neilpilot
Sun Aug 13, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5630

Re: Struggling with Justifying an Expensive Car Purchase

Babies and little kids throw up all over $20k cars and $100k cars. They just do. My older son (21) still remembers when he was about 3 and threw up all over himself and his car seat in the back of my Audi. I unbuckled the car seat and brought it and him into the house and into the tub to clean him ...
by neilpilot
Sat Aug 12, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 5965

Re: Do not buy new cellphones on ebay

I still don't know why anyone buys anything on eBay. You can usually, if not always, find what you're looking for cheaper at a real store and stacking coupons, rebates, etc. etc. Perhaps its okay for out of print items that you know are just regular people reselling their old junk... You misunderst...
by neilpilot
Sat Aug 12, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1169

Re: Need advice on car power window switch work

swap one from back to front. guessing its the same part, could be wrong. Look on Ebay for legacy parts. +1 you don't give the model, but eBay has come thru for me in the past, looking for parts for my 1965 airplane. For example, eBay listings for some 1996 Chevys: http://www.ebay.com/itm/NEW-1996-2...
by neilpilot
Fri Aug 11, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3931

Re: Toyota Camry Repair Priorities

I'm in a similar boat - 2001 Camry, 123,800 miles. Got an oil change last week and the auto shop told me the struts are worn and should be replaced. Estimate (parts and labor) for replacement and various other services - $1500! :shock: How much of the $1500 is for struts? Replacement front strut as...
by neilpilot
Fri Aug 11, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3931

Re: Toyota Camry Repair Priorities

the "transmission flush" seems very expensive, I just do a drain & fill in my driveway, it's about $20 for new fluid. I don't do a "flush". If the OP's Camry has the original tranny fluid, it's likely that a simple drain and fill will kill the tranny in short order. The valves will become fouled wi...
by neilpilot
Fri Aug 11, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3621

Re: Health Savings Account

What about current medical expenses? Is there some guideline as to when that would negate the value of a HSA? I just started work at a company with an HSA - my first one. Was contemplating that myself, but I did see that somebody else posted that in their HSA they hold the deductible in cash and in...
by neilpilot
Fri Aug 11, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3931

Re: Toyota Camry Repair Priorities

Do you own a phillips screwdriver? It should take you no more than 10-15 minutes to complete #10 on your own. A filter can be had for about $8 at Walmart. https://www.youtube.com/watch?v=i1HieBUTVYk If you have the original filter, and it's really dirty, it can reduce AC and heater air flow and, in ...
by neilpilot
Thu Aug 10, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3621

Re: Health Savings Account

ved wrote:
neilpilot wrote:Once you contribute enough to get employer's full IRA match, I view HSA contributions as preferable to both tIRA and Roth.
You mean 401k match?
I have not known about any employers that match IRA
Yes, that's what I meant. Corrected above.
by neilpilot
Thu Aug 10, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3621

Re: Health Savings Account

Once you contribute enough to get employer's full 401k match, I view HSA contributions as preferable to both 401k/tIRA and Roth.
by neilpilot
Thu Aug 10, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3643

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

Another thing to remember about electronic boarding passes - it's possible that internet connection won't be working when you're in line. My solution is to always take a screen shot of the boarding pass, so it's stored in photos and I'm not relying upon the internet connection. With some boarding p...
by neilpilot
Thu Aug 10, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2464

Re: Trip Cancellation Insurance.

pablolo wrote:We recently booked a 7 week vacation through homeaway. Home away offers trip insurance . AAA does too and we are wondering if any credit cards offer it too.BH travelers,. What do you use?
Never insure my travel. I view it as a loss leader, with extremely high margin for the insurer.
by neilpilot
Thu Aug 10, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5714

Re: Delta priority boarding - first timer

When my wife and I travel we always pack everything in one checked bag. There is no way I want TSA examining anything in my bag even through they wear gloves because those gloves are rarely changed. Just think of all those soiled items (let your mind wonder) they touch in an 8 hour shift. It's wort...
by neilpilot
Thu Aug 10, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5714

Re: Delta priority boarding - first timer

When my wife and I travel we always pack everything in one checked bag. There is no way I want TSA examining anything in my bag even through they wear gloves because those gloves are rarely changed. Just think of all those soiled items (let your mind wonder) they touch in an 8 hour shift. It's wort...
by neilpilot
Thu Aug 10, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3643

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

Another thing to remember about electronic boarding passes - it's possible that internet connection won't be working when you're in line. My solution is to always take a screen shot of the boarding pass, so it's stored in photos and I'm not relying upon the internet connection. With some boarding p...