Search found 383 matches

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: 1544

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: 2885

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: 859

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: 859

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: 1177

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: 2229

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: 2365

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: 7535

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: 7535

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: 759

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: 796

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: 2568

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: 2568

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: 1017

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: 6421

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: 5538

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: 3938

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: 978

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: 1838

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: 385

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: 5853

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: 1090

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: 4178

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: 3624

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: 1306

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: 332

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: 799

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: 747

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: 7440

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: 5050

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: 5335

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 m Personally I think everyone should just freeze all their accounts even without credit theft hist...
by rotorhead
Sun Nov 06, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Income funds
Replies: 26
Views: 2699

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: 2168

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: 2507

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: 3609

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: 4158

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: 2027

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: 1350

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: 2281

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: 5690

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: 8072

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: 3864

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: 3397

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: 585

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: 1040

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: 1207

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: 958

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: 1902

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: 1336

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: 813

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...