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by rotorhead
Sat Apr 21, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1573

Re: Best Way to Decline an International Job Assignment

Re: Best Way to Decline an International Job Assignment Unread post by RollTide31457 » Sat Apr 21, 2018 10:31 am stan1 wrote: ↑Sat Apr 21, 2018 10:26 am RollTide31457 wrote: ↑Sat Apr 21, 2018 10:16 am Any advice on how to tactfully decline an international job assignment? You haven't provided any i...
by rotorhead
Fri Apr 20, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1141

Re: Best places to find discontinued appliance parts?

OP, take a look at [url][http://www.appliancepartspros.com//url]. I have had great success with them.
by rotorhead
Fri Apr 20, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1966

Re: What is best strategy for taking RMD from VG IRA

OP, those are all very good funds; but there are too many in my opinion. Any holding representing less than 5% of your portfolio is not going to "move the needle" much either way. Only adds to your admin burden. I would first simplify to three funds - VTSAX, VSIAX & VBILX would accomplish all that y...
by rotorhead
Tue Apr 17, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Bargaining with Lenders--whom do I choose?
Replies: 8
Views: 919

Re: Bargaining with Lenders--whom do I choose?

OP, one place to get a quick look at what's available in your area is BankRate.com. https://www.bankrate.com/?pid=semgdtexactbankspratespcom&ttcid=bank%20rate%20com|c|kwd-299231561702|g|9012003&gclid=EAIaIQobChMIjtORncrB2gIVxRuBCh1ySA-uEAAYASAAEgJmNPD_BwE Click on the Mortgage Loans tab, then enter ...
by rotorhead
Tue Apr 10, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
Replies: 17
Views: 2433

Re: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?

OP, we have been holding VBILX in my wife's Vanguard IRA account for more than 5 years now; and it's doing just fine. Anytime is a good time.
by rotorhead
Thu Mar 29, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Co-worker told me 401k/403b is a bad idea.
Replies: 52
Views: 5723

Re: Co-worker told me 401k/403b is a bad idea.

It's like the old joke about someone who won the lottery; and then complained about the taxes they had to pay.

It's all relative.
by rotorhead
Thu Mar 29, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3809

Re: Cosign college loan for sibling?

OP, good job on not co-signing for your brother's loan. These can be tough decisions when there is family involved; but in the long run you will all realize it was the right thing to do.

Good luck to all of you in the days ahead.
by rotorhead
Wed Mar 28, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3809

Re: Cosign college loan for sibling?

Re: Cosign college loan for sibling? Unread post by ofrivia » Wed Mar 28, 2018 7:52 pm Thanks everyone for your feedback. My father cosigned the loans for me and indeed still has some he is paying off. So that is what makes me feel partially responsible. Its the youngest who can't get the cosign be...
by rotorhead
Sun Mar 18, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for home addition?
Replies: 10
Views: 572

Re: How to pay for home addition?

Re: How to pay for home addition? Unread post by gameguy56 » Sun Mar 18, 2018 11:19 am stan1 wrote: ↑Sun Mar 18, 2018 11:10 am Another option for $50K of easy cash is a 401K loan depending upon how your plan does that. Now some people will say "never, ever do that" and I think that's good general a...
by rotorhead
Sat Feb 24, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What is the most efficient method of taking RMDs from my IRA
Replies: 9
Views: 1192

Re: What is the most efficient method of taking RMDs from my IRA

gks, I don't pretend to be all knowing on the subject; but I am in my 7th year of RMD now; and have developed a system that works well for us. As it happens, with my pension and SS, we haven't had to withdraw more than the minimum except for one year (new roof!). My account is with Fidelity; and I h...
by rotorhead
Sun Feb 18, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2346

Re: Really need an advice: sell the house or rent it out

Re: Really need an advice: sell the house or rent it outQuote retiredjg by retiredjg » Sun Feb 18, 2018 6:47 pm Need_help_please wrote: ↑Sun Feb 18, 2018 6:35 pm Is there a better option than CD? If I invest $250K in CDs for 6 years, best case I stand to make $50k. You have a choice. If you want th...
by rotorhead
Tue Feb 06, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 4981

Re: Rolex

ADower, I don't have any advice about how or where to get the best deal on a Rolex right now; but just want to tell you I have worn a Rolex Stainless GMT Master since 1973. Purchased at my good friend, Alex Cheung's shop in the Shaw Centre, at corner of Orchard Road and Scott's Road in Singapore. As...
by rotorhead
Sun Feb 04, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 10384

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I just downloaded it as well for $0.00. Got confirmation email, with expiry date 2-4-2023. I did go into my account and cancelled the auto update. I'm quite satisfied with Q2017 that I have now; and will hold Q2018 in reserve until I have reason to install it. I am long time user of Quicken; and as ...
by rotorhead
Mon Jan 15, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 5814

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

My boring old VTSAX returned 21% last year. How much more excitement does one need? Well, a little. IEMG and VGT both did 37% last year and BRK is up 14% in the two months I've owned it. VTI and VXUS are my two largest holdings, but they're not going to be my only two. Point well made TG2. It was t...
by rotorhead
Tue Jan 02, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: South Florida visit in early March
Replies: 20
Views: 1489

Re: South Florida visit in early March

Palm Beach County resident here. South Florida in March is a great place to be. Beautiful weather, great beaches, warm blue water; what's not to like! The golf courses are great as well. The Hollywood area is a bit congested for my liking; but it's still not bad. South Beach is interesting place to ...
by rotorhead
Fri Dec 29, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Galaxy S7 from ebay?
Replies: 11
Views: 1186

Re: Galaxy S7 from ebay?

kayanco, I have purchased Samsung S5, iPhone 5s and iPhone 6, via sellers on eBay without any issues at all. At the time of purchase, the phones were previous year models; but still brand new, unlocked and surplus to the original provider's needs. Saved considerable $$ by doing it this way. We don't...
by rotorhead
Tue Dec 19, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2081

Re: Best online, real time tracker to watch my portfolio

Re: Best online, real time tracker to watch my portfolio Report this post Quote Unread post by Always passive » Tue Dec 19, 2017 12:59 pm I like very much Morningstar.com, it has a very robust portfolio construction tool. Further, you can do it for free if you just want to follow your portfolio wit...
by rotorhead
Fri Oct 27, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: My mortgage was sold - let it go, or shop around?
Replies: 15
Views: 1922

Re: My mortgage was sold - let it go, or shop around?

Been there, done that. Happens all the time. Terms of your mortgage can't be changed; so don't worry about it. Just keep on making your payments, as you would have. Plenty of time ahead to make a change if for whatever reason you feel the need to do so.
by rotorhead
Thu Oct 19, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3235

Re: Finally a win for teachers!!

WOW!!

Way to go Teacher88. Congrats on your perseverance; and ultimate success. That's the way we eat the elephant; one bite at a time.

Congrats again!
by rotorhead
Thu Oct 19, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 1038

Re: Using a broker for a Supplemental Medicare Plan?

Re: Using a broker for a Supplemental Medicare Plan? Report this post Quote Unread post by neilpilot » Wed Oct 18, 2017 9:56 pm rotorhead wrote: ↑Wed Oct 18, 2017 9:46 pm I've been using a broker for 11 years now, and my Medicare Supplement premium is $0.00. Can't do much better than that. This is ...
by rotorhead
Wed Oct 18, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 1038

Re: Using a broker for a Supplemental Medicare Plan?

OP, it's pretty hard to find out the answer to your question unless you stick your toe in the water as it were; and find out what's available in your area. In doing that you have to expose yourself to some emails and perhaps phone calls, but you can get the information you seek. Have you signed up f...
by rotorhead
Thu Oct 12, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi, How To, Should I?
Replies: 12
Views: 1362

Re: Mortgage Refi, How To, Should I?

OP, I think in your case with a mortgage that's only 6 months old you might not realize much if any savings; especially after the fees of the new mortgage are factored in. A quick look at Bankrate.com shows 30-yr re-fi rates at just below 4% in my area. http://www.bankrate.com/mortgage.aspx?type=ref...
by rotorhead
Wed Oct 11, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 4251

Re: Advice on Canceling Fidelity Portfolio Advisory Service

OP, Re: Advice on Canceling Fidelity Portfolio Advisory Service Report this post Quote Unread post by David Scubadiver » Wed Oct 11, 2017 11:51 am What you can expect is that they will try to have you use a less expensive portfolio management tool, such as their robadvisor. If you don't wish to do t...
by rotorhead
Sun Oct 08, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2647

Re: Change for a $20 requires ID!!

Lots of counterfeit $20's & $50's out there.

I have been customer at my bank for over 20 years, and know everyone there. Every transaction requires I show ID. Just the way it is in modern America.
by rotorhead
Thu Oct 05, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8334

Re: Peter L. Bernstein: Cash BETTER than Bonds

Re: Peter L. Bernstein: Cash BETTER than Bonds Report this post Quote Post by stemikger » Wed Oct 04, 2017 9:58 pm rotorhead wrote: ↑Wed Oct 04, 2017 8:40 pm Re: Peter L. Bernstein: Cash BETTER than Bonds Report this post Quote Post by stemikger » Wed Oct 04, 2017 10:42 am No disrespect to the late...
by rotorhead
Wed Oct 04, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8334

Re: Peter L. Bernstein: Cash BETTER than Bonds

Re: Peter L. Bernstein: Cash BETTER than Bonds Report this post Quote Post by stemikger » Wed Oct 04, 2017 10:42 am No disrespect to the late Peter Bernstein, but he wrote one of my favorite papers entitled the 60/40 solution only later to retract it. I would listen to Jack Bogle instead. 60/40 sto...
by rotorhead
Tue Oct 03, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Repair costs vs Getting a new car
Replies: 11
Views: 915

Re: Repair costs vs Getting a new car

OP, you might also do an online search for "discussion thread" of Fusion owners, & their experiences with this issue - how repair was accomplished & how much it cost. Should be easy to find; practically every car being driven has owner forum online. I've found them quite helpful in researching our c...
by rotorhead
Sat Sep 30, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 905

Re: GE Fridge Water Dispenser issue

Op, take a look at appliancepartspros.com. Very helpful website. I think you will find exactly what you need to know there.
I've used them numerous times to repair several appliances.
by rotorhead
Thu Sep 28, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2981

Re: Paid off Debt...credit score dropping and future mortgage

Great! Glad to hear. That's a good card. Judicious use of credit can actually make one's life much easier, and enjoyable. My wife & I put every $ we spend on our card(s). I post the expenditure on our excel monthly spending spreadsheet, & save the receipts until the monthly credit card statement arr...
by rotorhead
Wed Sep 27, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2981

Re: Paid off Debt...credit score dropping and future mortgage

OP, don't obsess over paying cash for everything. Get a no fee credit card, put both your names on it; and do your normal spending each month using the card(s). Pay the bill in full when it comes each month. Watch your credit score go up. What could be simpler?! I've been using credit cards for more...
by rotorhead
Thu Sep 21, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Vehicle Maintenance App
Replies: 14
Views: 1174

Re: Vehicle Maintenance App

I don't do it on my smart phone; but I created excel spreadsheet years ago for our cars, where I track expenditures for all routine and unscheduled maintenance, to include tires and batteries. Very helpful to have quickly discernible summary handy, instead of having to pore over the actual service r...
by rotorhead
Fri Aug 25, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6828

Re: I've fallen and I can't get up -- recommendations?

OP, there was a thread on this subject last year. I've posted here my response at the time. May be newer, better system now, but the Phillips one worked very well for our Mom. Re: Best "Life Alert" type device for 98 year old grandparents Edit Report this post Quote Post by rotorhead » Sat May 14, 2...
by rotorhead
Fri Aug 25, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 6465

Re: USAA opinions. Worth it?

jkushnel1, I have been a satisfied member of USAA for 51 years; and have had nothing but good experience with their homeowners and auto insurance. The few claims we've had have been handled in absolutely satisfactory manner. However, the rates are not all that competitive anymore generally; but with...
by rotorhead
Sat Aug 12, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4519

Re: Cheapest way to upgrade iPhones ?

Eric 76 is right. There are plenty of phones avail on ebay at reasonable prices. They're usually a model or two out of date; & surplus to original supplier requirement, but still new. I bought my wife a new i6 few months ago for $389. No tax + free shipping. Got my own new S5 last year for $220. Wor...
by rotorhead
Tue Jul 25, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 1104

Re: DIY Dishwasher Repairs

OP, I too, am a do it your selfer; with a 22-year old GE dishwasher that is still going great - after I replaced the motor and pump assembly couple of years ago. Actually, I've repaired fridge, washer and dryer as well. Take a look at website, AppliancePartsPro.com, http://www.appliancepartspros.com...
by rotorhead
Tue Jul 25, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to fly first class to Hong Kong from San Francisco?
Replies: 14
Views: 1981

Re: Cheapest way to fly first class to Hong Kong from San Francisco?

Just be aware that the Christmas / New Year season is an incredibly busy period for travel to Hong Kong from San Francisco, and New York/New Jersey. That could affect seat and class availability; and hotel availability as well. It's a great time to visit Hong Kong though, and you will enjoy the expe...
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: 631

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: 6457

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: 1279

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: 4843

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: 4708

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: 1396

Re: Veterans Administration(VA) benefits for my sister

Hello newstreetnj,

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

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: 364

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: 938

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: 837

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 would expe...
by rotorhead
Wed Feb 01, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 7936

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 Scotch as well.
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: 5301

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: 5843

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: 2876

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®ion=usa&culture=en-US It's a relatively low...