Search found 364 matches

by rotorhead
Wed Jul 19, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: HELOC or Home Equity Loan-Need Advice
Replies: 2
Views: 217

Re: HELOC or Home Equity Loan-Need Advice

HELOC is a very good way to handle these sort of expenses. We have had an open line of credit for 15 years; and have had no issues. Came in handy when we needed new roof and air con system - didn't have to dip into the deferred accounts funds. If you are worried about bank solvency, that's a whole a...
by rotorhead
Fri Jul 07, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5146

Re: Paid off the Mortgage!

Good job, nepats!! Congratulations. It's a wonderful feeling.
by rotorhead
Sun May 28, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Good way of comparing Used Car prices?
Replies: 10
Views: 877

Re: Good way of comparing Used Car prices?

Another good source to determine asking prices in your area is AutoTrader.com. I have sold one car and bought one using that site.
by rotorhead
Fri May 19, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3529

Re: Homeowner's Insurance & New Roofs

Several years ago a hailstorm moved through our town in Northeast Texas. There was widespread damage in the town. A number of neighbors had damage to their roofs. It was impossible to determine from ground level the extent of damage, if any, to our asphalt shingle roof. So, to be safe, I filed claim...
by rotorhead
Tue Apr 18, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3362

Re: Taxes- okay to just drop in the mail today??

As long as the envelope is postmarked not later than April 17th, you're OK. It's up to you to make sure it gets marked.
by rotorhead
Sat Apr 15, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Veterans Administration(VA) benefits for my sister
Replies: 10
Views: 1189

Re: Veterans Administration(VA) benefits for my sister

Hello newstreetnj,

There was a thread on this subject couple of months ago. Here is link:

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=210772

My comments are next to last post. Takes a bit of effort, but some benefit can be realized.

Best of luck.
by rotorhead
Wed Apr 12, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax price hike
Replies: 2
Views: 298

Re: Equifax price hike

Complete waste of money subscribing to monitoring service when you have your accounts frozen. We've had ours frozen several years now, and no worries at all.
Just my $0.02 worth.
by rotorhead
Thu Feb 16, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 697

Re: Help with decision on Fidelity 401k

Apri, my corporate 401k was with Fidelity also. A few years after retirement, when management of the 401k was being moved to a different company, I decided to make the break; and rolled it over to Fidelity. Only took a few keystrokes; and was absolutely painless. I now have 2 funds, one equity and o...
by rotorhead
Sun Feb 12, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Veteran's Survivor Benefits
Replies: 5
Views: 666

Re: Veteran's Survivor Benefits

OP, I just went through this last year with our mother; and echo rguina's comments about the for profit groups out there. Make sure you are dealing directly with the VA. There is a "death benefit" that qualifying widows/widowers can receive. There are lots of forms to be completed, as you ...
by rotorhead
Wed Feb 01, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 6984

Re: Single Malt Scotch-time for another thread?

Just my $0.02 worth. Spend a little time "getting to know" Glenmorangie, Glenlivet & Glenfiddich; all excellent single malts. And not too expensive. I rotate between them, with perhaps a slight bias toward Glenlivet. As posted earlier, Famous Grouse is a very good, low cost blended Sco...
by rotorhead
Sun Jan 29, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4753

Re: Drivers License May not be good for air travel?

Re: Drivers License May not be good for air travel? Post by baw703916 » Sun Jan 29, 2017 5:10 pm One issue is when you need to renew a passport, you have to send the old one in, and it typically takes an extended time for the new one to show up in the mail. So how would someone who travels regularl...
by rotorhead
Fri Nov 18, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4891

Re: Someone has my Social Security number

Re: Someone has my Social Security number Unread postby hikeandbike » Tue Nov 15, 2016 12:31 pm You can also freeze your ChexSystem account to cover any problems that could arise with banking accounts https://www.chexsystems.com Personally I think everyone should just freeze all their accounts even...
by rotorhead
Sun Nov 06, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Income funds
Replies: 26
Views: 2448

Re: Income funds

3. Have some return above money market You didn't say whether her account is tax deferred or not. If it's not, might take a look at Vanguard Intermediate Term Tax Exempt - VWITX. http://performance.morningstar.com/fund/performance-return.action?t=VWITX&region=usa&culture=en-US It's a relati...
by rotorhead
Tue Oct 18, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lost all financial data
Replies: 11
Views: 2125

Re: Lost all financial data

by closetoreality » Mon Oct 17, 2016 2:19 pm Long story short, I lost all of my financial data in Quicken. Did you really lose all your data; or just can't find it. Have you been backing up your data? About every 3rd time or so, when I close my Quicken program, I get prompted to make backup copy; w...
by rotorhead
Wed Oct 05, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Light weight Carpet Cleaning Vaccuum
Replies: 18
Views: 2360

Re: Light weight Carpet Cleaning Vaccuum

We have had good luck with Oreck. They were originally designed for hotel use; light weight and easy to maneuver. Not the least expensive, but pretty good value for the money. We're on our second one in 30 years; first one lasted nearly 20. Like anything mechanical, it does require upkeep. Keep the ...
by rotorhead
Wed Oct 05, 2016 10:45 am
Forum: Forum Issues and Administration
Topic: weather watch [Hurricane Matthew, potential site impact]
Replies: 27
Views: 3413

Re: weather watch

We're in Palm Beach County, hoping to have only a glancing blow from Matthew; but it could get pretty bad based on latest reports. Planning for the worst, but hoping for the best. The folks in Georgia & South Carolina will be hit pretty hard. We've been through 3 storms before, Francis & Jea...
by rotorhead
Tue Sep 20, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3997

Re: Is there a point when a used car is too used to be worth buying?

Not trying to be "snarky" toward the OP; but can't help wondering what sort of job one could have had at a "car company" for 25 years, where this sort of information would not have been learned via osmosis.

My apologies if any offense.
by rotorhead
Fri Sep 16, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 1938

Re: Refrigerator issues - Temperature & Other

OP, I can't offer any advice as to what the problem might be with your unit; but you might want to take at look at http://www.appliancepartspros.com/ . Lots of troubleshooting information, with repair videos; and wide supply of parts as well. I have found this site extremely helpful - replaced the w...
by rotorhead
Fri Sep 16, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: WSJwine coupon, good deal or not
Replies: 13
Views: 1268

Re: WSJwine coupon, good deal or not

This subject came up a couple of years ago. Here is link to the discussion. My response is next to last. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=123922 As others have noted this is really not that good a deal. Plenty of other ways to buy good wines at reasonable prices without bein...
by rotorhead
Thu Sep 01, 2016 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Have a Fidelity account, should I open one at Vanguard too?
Replies: 20
Views: 2015

Re: Have a Fidelity account, should I open one at Vanguard too?

fordp, both Fidelity and Vanguard are very good investment houses, with low cost index funds - the ER's are almost identical. If you need other than index funds, both have a wide variety to choose from. I've been a Fidelity customer for over 30 years, first through my company 401k which Fidelity man...
by rotorhead
Wed Aug 31, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 5016

Re: Door lock actuators: am I getting fleeced?

coalcracker, these door locks are a common problem on Toyota and Lexus autos. They are the same parts on both cars. We had two failures on our RX-300, driver's side front; and passenger side rear, which the dealer quoted about $700 each to repair. The problem is usually failure of a very small elect...
by rotorhead
Fri Aug 26, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 7685

Re: Homeowners should consider flood insurance

True story. In 1995, we had been in our newly built home in Palm Beach County, FL, for 3 months. Hurricane Roxanne was going round in circles in the Gulf of Mexico at the time, and feeding moisture into a low pressure trough across South Florida that centered over our area. We received 27 inches of ...
by rotorhead
Fri Aug 26, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 3420

Re: Should I replace my Samsung Galaxy S4?

OP, I was facing similar dilemma; when my Samsung Galaxy S2 starting behaving badly. Phone itself is fine, but on/off switch starting activating on its own at random. Did some research; and could have repaired it myself by replacing the switch; but decided due to age of phone to replace it. I was ve...
by rotorhead
Wed Aug 03, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick one Fidelity fund that will be all I need
Replies: 19
Views: 3014

Re: Help me pick one Fidelity fund that will be all I need

Re: Help me pick one Fidelity fund that will be all I need Post by rgs92 » Wed Aug 03, 2016 12:54 pm Why do you want a set and forget fund? I actually posted a question sometime back about why Fidelity had no equivalent to VBINX (vang. bal. index), or the advantaged version either. It's 3rd grade a...
by rotorhead
Wed Aug 03, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 4
Views: 559

Re: Identity theft protection

Targeting American tourists for wallet/purse theft, especially older people, is a well developed "cottage industry" in the larger European cities. I strongly encourage anyone planning to travel there to take extra precautions.
by rotorhead
Thu Jul 28, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a house while active duty
Replies: 15
Views: 952

Re: Thinking of buying a house while active duty

Don't do it, RainyZ! You won't come out ahead, believe me. I spent 6 years in military, lived abroad as civilian for nearly 14 years + traveled in my job 30-40% of the time when I wasn't living overseas. So my "life experience" could be compared to life in the military I suppose. When my f...
by rotorhead
Tue Jul 05, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Bond Funds, the Dog's Breakfast and FGNMX
Replies: 6
Views: 1158

Re: Fidelity Bond Funds, the [Cat's Breakfast] and FGNMX

What is a cats breakfast :confused


Never heard of a "cat's breakfast" either. Where I come from, a dog's breakfast is a drink of water and a look around. Not sure how that fits this circumstance.
by rotorhead
Thu Jun 30, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How is "in-state" determined?
Replies: 12
Views: 925

Re: How is "in-state" determined?

Just went through this with our student in Florida. She is qualified. State law is usually very specific about who qualifies for in-state tuition rates or not. It's a big difference. Try this web link for starters and do the research. https://www.google.com/search?trackid=sp-004-752&q=missouri+r...
by rotorhead
Sat May 14, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 1797

Re: Best "Life Alert" type device for 98 year old grandparents

Re: Best "Life Alert" type device for 98 year old grandparents Postby clip651 » Fri May 13, 2016 9:43 pm Check out Phillips Lifeline with the fall alert option. It does best with a landline, and has a base unit. You can get additional base units if the house or area covered are bigger tha...
by rotorhead
Sat Mar 05, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Does home office deduction increase risk of audit?
Replies: 14
Views: 1165

Re: Does home office deduction increase risk of audit?

For the last 3 years of my working life, I worked out of home office. I claimed every relevant, legitimate deduction available; and never had a question by the IRS. My experience over the years has been that if the math is correct, the penmanship is good (solved with Tax software), and the deduction...
by rotorhead
Wed Feb 17, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Cellphone (US) for an 85-year-old newbie
Replies: 6
Views: 756

Re: Cellphone (US) for an 85-year-old newbie

For this particular person, Consumer Cellular no doubt about it. Their service and phone selection is tailored precisely to such a customer. Check them out. https://www.consumercellular.com/ They are MVNO, using AT&T & T-Mobile networks; if service coverage in his area is good, should be fin...
by rotorhead
Tue Feb 16, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone try Off Lease Only in FL before?
Replies: 6
Views: 1406

Re: Anyone try Off Lease Only in FL before?

MikeZ, there was a question about Off Lease a couple years ago, and here is link to that thread. You can see my post second down. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=131050 I have no experience with them since then; but I would imagine not much different now. If you are an astu...
by rotorhead
Tue Feb 09, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Mailing a US Passport in for Renewal
Replies: 19
Views: 13683

Re: Mailing a US Passport in for Renewal

I just renewed my passport for the umpteenth time. Mailed the application + expiring passport via Certified mail to the U. S. Passport Center in Philadelphia, which was a post office box by the way. Received my new passport 15 days later. Luck? Maybe. Sometimes the government agencies do perform well.
by rotorhead
Sun Jan 31, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Longtime AT&T customer looking for MVNO cell provider
Replies: 23
Views: 2660

Re: Longtime AT&T customer looking for MVNO cell provider

IF you have been satisfied with the area of coverage with AT&T, you might take a look at Consumer Cellular first. They are MVNO who use the AT&T network. They also use T Mobile's network as well. We were long term customers of AT&T, and made the change to CC more than 3 years ago; and ha...
by rotorhead
Fri Jan 22, 2016 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Plan Update
Replies: 9
Views: 882

Re: Plan Update

Post by Retired ST » Fri Jan 22, 2016 11:00 pm Thanks for input. VTINX Vanguard Target Retirement Income Fund looks good, but putting everything in one fund makes me nervous. I know - it's psychological. I originally told my wife to invest it all in an S & P 500 index fund, take half of the ear...
by rotorhead
Sun Jan 10, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 100
Views: 12277

Re: "Asking portfolio questions"

Re: "Asking portfolio questions" Postby sawhorse » Sun Jan 10, 2016 1:45 am Phineas J. Whoopee wrote: With a general range of portfolio size I personally think the percentages work very well. Others, including you, may differ, but if I had a vote, which I don't, I'd say no to this proposa...
by rotorhead
Mon Jan 04, 2016 7:34 pm
Forum: Investing - Theory, News & General
Topic: "Your 2016 Financial To-Do List: Month by Month"
Replies: 5
Views: 1665

Re: "Your 2016 Financial To-Do List: Month by Month"

I saw that too, Taylor. Very good reminder summary. I bookmarked it.
by rotorhead
Tue Dec 29, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: weather alerts
Replies: 11
Views: 1284

Re: weather alerts

Just tune in your car radio on the hour or half-hour to whichever "local" am radio station you can receive as you transit a particular area. Also, Weatherbug is a great app for your smart phone. It will track your progress, and provides up-to-date info. I use it all the time. When you get ...
by rotorhead
Fri Dec 11, 2015 10:04 pm
Forum: Personal Consumer Issues
Topic: Ship car from overseas or sell it?
Replies: 7
Views: 848

Re: Ship car from overseas or sell it?

Sell it there for all the reasons stated by other posters. If you purchased the car in Germany, it likely will not pass emissions standards testing here. You will incur additional costs to comply. Some lighting standards are different as well. Many years ago I shipped a car to Europe and back again ...
by rotorhead
Thu Dec 10, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 11859

Re: BMW current and past owners -- how was the reliability and would you buy another?

BMW current and past owners -- how was the reliability and would you buy another? Report this post Quote Postby ThankYouJack » Wed Dec 09, 2015 5:30 pm I'm considering buying a used high mileage BMW but don't want to be a huge money pit. It's fine if it's more expensive than a Civic but I don't wan...
by rotorhead
Thu Dec 10, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: mailboxes freezing shut?
Replies: 31
Views: 2709

Re: mailboxes freezing shut?

Not a big problem here in South Florida. 8-)
by rotorhead
Tue Dec 08, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Reading BH Posts on an iPhone 6S Plus
Replies: 5
Views: 670

Re: Reading BH Posts on an iPhone 6S Plus

I read the forum on my android, in "desk top" mode and see everything same as normal. I have read somewhere; but can't remember for sure that Apple ios does not support "desktop" mode. Perhaps someone more knowledgeable can comment whether that's correct or not.
by rotorhead
Tue Dec 08, 2015 10:15 am
Forum: Investing - Theory, News & General
Topic: Kliplinger's on "The World According to the Bogleheads"
Replies: 46
Views: 7449

Re: Kliplinger's on "The World According to the Bogleheads"

I read the article yesterday the old fashioned way - stood at the mag rack at Barnes & Noble; and read it there. 8-) Didn't take long. Excellent piece.
by rotorhead
Mon Dec 07, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 5120

Re: Outdoor gas grill recommendation

A few months ago replaced a very well used 20-year old Modern Home Products (MHP) WNK model gas grill with a Weber Spirit E310. Both natural gas grills. Replaced the MHP burner and grates several times over its life; the case was built like a nuclear submarine. Looked pretty bad; and was really beat...
by rotorhead
Sun Dec 06, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: USAA vs Vanguard
Replies: 67
Views: 7878

Re: USAA vs Vanguard

Excellent point, dbr. Thanks for pointing that out. We sometimes overlook the obvious when caught up in such discussions.
by rotorhead
Sun Dec 06, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: USAA vs Vanguard
Replies: 67
Views: 7878

Re: USAA vs Vanguard

Scottactual, you didn't say whether you are currently an active service member; only that you are USAA member. If you are active service, there could be advantages to keeping insurance, banking, investments, etc. with USAA as a matter of convenience; albeit at slightly higher ER's for investment fun...
by rotorhead
Fri Dec 04, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 2651

Re: New Cell Plan

Re: New Cell Plan Post by P&C actuary » Wed Dec 02, 2015 3:27 pm I use consumer cellular. Sim card is free. No contract, pay monthly. So you could try it for a month and cancel if it didn't work out. And if you are over 50, there is a 5% for AARP members. https://www.consumercellular.com/ I too...
by rotorhead
Mon Oct 26, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Saddleback Leather [briefcase] - Alternatives ??
Replies: 13
Views: 5454

Re: Saddleback Leather [briefcase] - Alternatives ??

Take a look at the Hartman Heritage Slim Brief, if you like a traditional look case. http://shop.hartmann.com/business I liked this particular model, because it "stands up", allowing easy access to files, note pads, computer, etc. They are made from "belting leather"; same as sad...
by rotorhead
Fri Oct 23, 2015 8:03 pm
Forum: Personal Consumer Issues
Topic: Retired 10+ years
Replies: 7
Views: 1562

Re: Retired 10+ years

Been retired 12+ years now; and enjoying it very much. I traveled internationally a lot in my working life; and I do miss that aspect, but life is probably better now than it's ever been. We live in a very nice area, and it's most enjoyable. Find out what you really enjoy doing, and then do it! Abov...
by rotorhead
Fri Oct 23, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Total Wine Store
Replies: 27
Views: 2171

Re: Total Wine Store

We've had a Total Wine in our town here in FL for several years now. The location is such that it's extremely convenient for me to stop by there - perhaps too convenient. Their inventory of beer, wine and liquor is second to none, the staff is extremely knowledgeable; and it's a great place to find ...

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