Search found 167 matches

by samtex
Thu Jul 20, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 643

Re: Another cutting cord thread/PS Vue & recording live events

If this works, I should see a drop of about $100.00 a month, and still have virtually all the same channels. I'm just curious - you now pay $155 or more just for TV? Our Internet + TV just increased to a little over $150. We are debating options because that seems outrageous to us. Sadly yes, actua...
by samtex
Thu Jul 20, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 643

Re: Another cutting cord thread/PS Vue & recording live events

Appreciate the info, I may have confused "on demand and live". It does say that NFL is not available on demand channels. It also said NFL is not available on "mobile" devices. Well, based on that, I don't see much of a problem. Another question, if you start recording a show and ...
by samtex
Wed Jul 19, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 643

Another cutting cord thread/PS Vue & recording live events

OK, sorry about another thread on this topic but was looking for some detail info if someone has PS Vue. Iv'e done a fair amount of research for what I need to do to cancel satellite and switch to streaming and some over the air viewing. Most of it looks good but I want to be sure my wife will be ha...
by samtex
Fri Jun 23, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 834

Re: Spouse life insurance question

Did you ask if it is possible to substitute your current wife's name for the ex-wife's? Don't forget that the premiums are going to go up over time due to the fact that you are getting older (and thus closer to death). This is true for ANY kind of life insurance you get. Can't change the names. The...
by samtex
Fri Jun 23, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 834

Re: Spouse life insurance question

I can't avoid not overlooking the obvious. Since you used the "D-oh" emoticon you seem to realize Whole Life insurance may not be the best option. Before you even figure this out did you consider dropping the policy and switching to a term policy? (In which case the question would be moot...
by samtex
Mon Jun 19, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: With March 15th Federal Rate Hike, who bond prices did not fall.
Replies: 9
Views: 1630

Re: With March 15th Federal Rate Hike, who bond prices did not fall.

Thought I would post this link from Bloomberg about Fed Rate increase and their effect treasuries.

https://www.bloomberg.com/news/articles ... rate-hikes

Samtex
by samtex
Mon Jun 19, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 834

Re: Spouse life insurance question

You will need to contact your insurance co to see what happens in the event of divorce/remarriage. That is so common these days, they mostly have it in the contract. This article seems to imply the rider goes away in divorce. https://lifeinsurancebyjeff.com/life-insurance-spousal-rider/ Well. that ...
by samtex
Mon Jun 19, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 834

Re: Spouse life insurance question

flamesabers wrote:Does the policy states what happens if you get a divorce? I imagine it would be in the fine print of your policy.



Couldn't find the word divorce anywhere in the rider section.

Samtex
by samtex
Mon Jun 19, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 834

Spouse life insurance question

Many years ago, I purchased a Universal Life Policy on myself. :oops: The policy also provided a rider which included my wife and children with myself as the beneficiary. As the years went by, we divorced and later I remarried. I changed the beneficiary to my children in the event of my passing but ...
by samtex
Wed Jun 07, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: How to buy another car key?
Replies: 16
Views: 1780

Re: How to buy another car key?

This question is best asked on a forum specific to your car. Search the web for Subaru forums and ask there, in the appropriate category for your specific model. The answer to this question will differ wildly based on what car you have. For example, on my Corvette, I can buy an inexpensive keyfob a...
by samtex
Wed Jun 07, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 6217

Re: Opticians: is there any difference in quality of Costco glasses?

There is a significant difference in optical quality. I have a favorite optical shop. Lenses are Pentax, but now they use another high end lens of equivalent quality. The shop is very stylish and expensive but it is a major appearance and vision spend and an infrequent purchase. So I went to Costco...
by samtex
Tue May 23, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Roth contributions and form 8606
Replies: 7
Views: 663

Re: Roth contributions and form 8606

Thanks for all replies. It has been more than five years for my last contribution and we are well over 59 1/2. Our first distribution was 2016, so I think we are in the clear but I may double check just in case.

Samtex
by samtex
Mon May 22, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Roth contributions and form 8606
Replies: 7
Views: 663

Roth contributions and form 8606

I was looking through some past tax preparation forms from my CPA. Under ROTH IRA it showed our total contributions while working. (now retired) The numbers don't appear correct from my memory. Before I go back and verify the figures, I was wondering what the IRS uses this information for and how im...
by samtex
Mon May 22, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 6217

Re: Opticians: is there any difference in quality of Costco glasses?

There is a significant difference in optical quality. I have a favorite optical shop. Lenses are Pentax, but now they use another high end lens of equivalent quality. The shop is very stylish and expensive but it is a major appearance and vision spend and an infrequent purchase. So I went to Costco...
by samtex
Fri May 19, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 6217

Re: Opticians: is there any difference in quality of Costco glasses?

I had to get progressives for the first time last year. With the same prescription, I got a pair shipped from Zenni (maybe $70 all in) and a pair from Costco (maybe $185 including lens and frame). I really can't even wear the pair from Zenni, I don't think they even qualify as a backup pair. The Co...
by samtex
Fri May 19, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax different versions and included forms
Replies: 1
Views: 228

TurboTax different versions and included forms

After reading through the TurboTax website, it says: "The desktop products (all versions) can all handle the same forms but differ mainly in the amount of help and guidance." Are they using the term "form" interchangeably with the words "schedule" and "form"? ...
by samtex
Tue May 02, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1217

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

I believe the last Fed rate drop happened last Dec. The bond market began to drop about a month or more before. Was that when the Fed announced the Dec. increase? Just curious about the dynamics.

Samtex
by samtex
Sat Apr 22, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5947

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

Don't forget st. Jude's. Most states have hospitals for children with life threatening issues at no cost to families. Also a second opinion at Dana farmer children's hospital, md Anderson, mayo or Sloan Kettering might be in the cards. I'm sure the family is panicking about getting the best care po...
by samtex
Sat Apr 22, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2871

Re: Building your own fence

ddurrett896 wrote:
Jimmie wrote:If you never move from that house, eventually you WILL need to dig holes a second time. :-(


The poles are galvanized so I rust or rot.



That's what I thought when I installed one to mount a tv dish on. It lasted about 9 years, then it broke off flush with the concrete.

Samtex
by samtex
Mon Jan 16, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 167
Views: 32076

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

I noticed on the portfolio growth calculator, the results are no longer presented numerically in a table below the chart. I was wondering why the change? It's my way of simplifying the tool to focus on the big picture of growth uncertainty rather than precise numbers. However, I'm aware that the ta...
by samtex
Mon Jan 16, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 167
Views: 32076

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

I noticed on the portfolio growth calculator, the results are no longer presented numerically in a table below the chart. I was wondering why the change?

Samtex
by samtex
Sun Jan 08, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: "Yield surge: Remember the real role of bonds"
Replies: 50
Views: 6678

Re: "Yield surge: Remember the real role of bonds"

After the many helpful posts about this subject, I think I understand the basic theory of what happens to bonds with raising interest rates and the reason to not sell. My question is what about RMD's? We are 40/60 - stocks/bonds and use the Vanguard four fund AA. We set our RMD to withdraw from each...
by samtex
Wed Dec 14, 2016 2:01 am
Forum: Personal Finance (Not Investing)
Topic: What happens to social security benefits on death of spouse?
Replies: 24
Views: 3905

Re: What happens to social security benefits on death of spouse?

Very sorry for your loss. Is your moms social security plus the fifty percent equal to what your father received? Someone can probably expand on this but I believe I've been told at SS office that technicality the surviving spouse continues to draw their same amount but then they receive an additio...
by samtex
Wed Dec 14, 2016 2:01 am
Forum: Personal Finance (Not Investing)
Topic: What happens to social security benefits on death of spouse?
Replies: 24
Views: 3905

Re: What happens to social security benefits on death of spouse?

Very sorry for your loss. Is your moms social security plus the fifty percent equal to what your father received? Someone can probably expand on this but I believe I've been told at SS office that technicality the surviving spouse continues to draw their same amount but then they receive an additio...
by samtex
Mon Nov 21, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Online Account Security Questions
Replies: 30
Views: 2860

Re: Online Account Security Questions

I set up a LastPass account and installed the plug-in for Chrome. Then, whenever I signed into a website, LastPass would ask if I wanted to save the site. If after logging in to the website (say Vanguard.com) I wanted to change my password, I'd just navigate to that section of the site. When prompt...
by samtex
Mon Nov 21, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Online Account Security Questions
Replies: 30
Views: 2860

Re: Online Account Security Questions

When using Lastpass initially, do you add the website to your list and let it generate a new password, then do you log in and change your old password to the new one? How does Lastpass know what type of password limitations each website has? (Max. Number of characters, what symbols etc.) Do you have...
by samtex
Tue Nov 08, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4237

Re: Risk of not paying sales tax?

Depending where you live, the city/county appraisal district may also mail you a request to file a property tax rendition for tools, equipment and inventory. I was sent one because I have a sales tax license. Since I sell very few items within the state and do not charge tax on out of state sales, I...
by samtex
Tue Nov 01, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 3006

Re: Vanguard blog gives Bogleheads kudos

Yeah that is a big deal for me (they probably lost me over that), and the way I look at it, Vanguard is essentially charging a small management fee to use an all-in-one vs. individual components. I haven't calculated it exactly, but it's about an 8bp composite extra cost vs. all Admirals. It was pr...
by samtex
Thu Oct 13, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Medigap Plan G?
Replies: 14
Views: 1628

Re: Recommendations for Medigap Plan G?

We found the premium difference between N and F was >$500 per year. The deductible covered by F is only $166 for this year. That would leave a lot of office visits and ER trips to make up the premium difference. The amounts did not seem worth insuring against. Very few physicians have excess charge...
by samtex
Tue Oct 11, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Medigap Plan G?
Replies: 14
Views: 1628

Re: Recommendations for Medigap Plan G?

I'm considering changing from the Plan F Medigap policy (USAA) I currently have to a Plan G Medigap policy. I keep reading that Plan G is more competitively priced and that Plan F premiums will probably increase greatly since it is being phased out in 2020. I'm interested in others' experience with...
by samtex
Tue Oct 11, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Using Swipe Readers
Replies: 5
Views: 843

Re: Using Swipe Readers

I have the same one and was wondering if they will be coming out with a chip version. I think I saw a phone/chip reader the other day but missed who was offering it. Have you checked on PayPal site or called?

Samtex
by samtex
Sat Oct 08, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 4976

Re: Dilbert Sums Up Exactly How I feel at times

I read this last week (it was in last week's sunday paper) and my girlfriend howled out loud and said I'd love it. So I read it and I was enjoying it (as with many Dilbert strips) right up until the last panel. That's where the creator of Dilbert loses me every time. The reason this clip is NOT goo...
by samtex
Sun Sep 25, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: QQQ's [PowerShares QQQ - "NASDAQ-100" index ETF]
Replies: 10
Views: 829

Re: QQQ's

Sore subject. I used to work for the N-market ("The Stock Market for the Next 100 Years," remember that slogan?). I inherited about $60k from a childless great aunt in 1999 who scrimped and saved for decades and rarely spent anything on herself. I put it into the Q's the day before the te...
by samtex
Sun Sep 25, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 2517

Re: How much is free lifetime healthcare worth?

Hard to say. The drug prices are cheaper too but you rarely hear of someone from the U.S. heading to Canada because of a waiting list a few years long. Of course you only hear the bad in the news but if I recall, recently I heard something about the British system also near crisis. (Not that we aren...
by samtex
Sun Sep 25, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 41
Views: 3634

Re: Basic pool equipment - best brands/types

Durable pool brush / UV issues - I accidentally discovered that it's best to buy a all blue bristle brush for longevity. I had a white/blue brush one year and noticed after sometime, the white bristles were breaking off but the blue seem fine. Next time I bought a all blue brush. Something similar, ...
by samtex
Thu Sep 22, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 5061

Re: First time negotiating for a car. Have questions

First off, I hate buying cars. I have used many of the suggestions already mentioned and found I don't want to spend the time an effort jumping through hoops with car salesmen. I may be leaving a little money on the table but this works for me. Check your auto insurance company, local credit unions ...
by samtex
Tue Sep 20, 2016 11:14 am
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 167
Views: 32076

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Tyler, great tool you created.

I do have one request, can you elaborate a bit on the meanings of the darker/lighter lines and their lengths on the growth chart calculator?

Samtex
by samtex
Tue Sep 13, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard accounts "Incomplete Cost Basis Info."
Replies: 12
Views: 1706

Re: Vanguard accounts "Incomplete Cost Basis Info."

Well, I called and they said they didn't know why it was showing on some funds and not others. Normally they could request an investigation into it but since this was in a tax advantage account they probably couldn't do anything about it, since it really isn't an issue for taxes. I also wasn't think...
by samtex
Tue Sep 13, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard accounts "Incomplete Cost Basis Info."
Replies: 12
Views: 1706

Re: Vanguard accounts "Incomplete Cost Basis Info."

Good points. I know that cost basis is a mute point on the Roth/IRA accounts but I suppose I just like to see it to better judge the movement of the fund over time. I had the same issue a year or so ago and I think that Vanguard said it would be updated, if I remember correctly, I think it was for t...
by samtex
Tue Sep 13, 2016 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard accounts "Incomplete Cost Basis Info."
Replies: 12
Views: 1706

Vanguard accounts "Incomplete Cost Basis Info."

When I try to check cost basis, most of my accounts have at least one fund that shows: "This holding has incomplete cost basis information; therefore, we're unable to display your cost basis details." The affected funds are Total Stock Fund and Total international Stock fund. The issue are...
by samtex
Thu Sep 08, 2016 1:54 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 10012

Re: Should I upgrade my 6 year old plasma TV?

I have an LG plasma. When visiting my stepdaughter who purchased a very expensive Sony led a couple of years ago, I noticed the picture seemed really weird. I couldn't really put my finger on it but it the motion seemed jerky. We were watching a college football game and I thought they were using so...
by samtex
Thu Jun 30, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Future Quotes calculations
Replies: 3
Views: 203

Re: Future Quotes calculations

Ah, this helps: http://www.investopedia.com/ask/answers/146.asp?utm_term=dow+future+index&utm_content=sem&utm_medium=paidsearch&utm_source=google&utm_campaign=adid-edcc1702-0851-4e19-bfa9-e3f858b70e1b-0-ip_gse_ocode-36668&ad=semD&an=google_s&am=exact&o=36668&askid...
by samtex
Thu Jun 30, 2016 6:37 pm
Forum: Investing - Theory, News & General
Topic: Future Quotes calculations
Replies: 3
Views: 203

Future Quotes calculations

No doubt a dumb question but I was watching Fox Business around 6:20pm E. I noticed the Dow had closed at 17929 up 235.31. Then it showed the Dow future was listed at 17801 down 18.00. Could someone help me out? (closed at 17929 / future -17801 = 128?)



Samtex
by samtex
Thu Jun 30, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: TSM with SP500
Replies: 5
Views: 522

Re: TSM with SP500

I have a small taxable account that makes up about 5% of our portfolio. I use a four fund asset allocation in the other 95% of our tax advantaged accounts using Total Stock Market, Int. Stock, Total Bond, Int. Bond. I had a few assets with TD Ameritrade, Vanguard SP500 ETF and a Gold Fund. A few mo...
by samtex
Thu Jun 30, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: TSM with SP500
Replies: 5
Views: 522

Re: TSM with SP500

Bond fund in a taxable account may not be as tax efficient. Not a problem at my minimal tax rate. In fact I did have Intermediate Tax exempt but switched to Intermediate Term Bond (VBIIX) because of my rate. I incorrectly listed Total Bond in my original post above, that's what I use in my other ac...
by samtex
Thu Jun 30, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSM with SP500
Replies: 5
Views: 522

TSM with SP500

I have a small taxable account that makes up about 5% of our portfolio. I use a four fund asset allocation in the other 95% of our tax advantaged accounts using Total Stock Market, Int. Stock, Total Bond, Int. Bond. I had a few assets with TD Ameritrade, Vanguard SP500 ETF and a Gold Fund. A few mon...
by samtex
Mon Jun 27, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 3108

Re: An actual book on LastPass?

Are there provisions to store security answers if the website ask for them? I usually jot them down with the password, mainly my wife's answers but at times even some of my answers for an old site escape me.

Samtex
by samtex
Sun Jun 26, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Amazon - customer service issues
Replies: 31
Views: 2763

Re: Amazon - customer service issues

Never had an issue but last year I did have a truck starter go bad after 11 months and 3 weeks. I had read online, it had a two year warranty. I contacted the mfg. (Delco-Remy) and confirmed that their professional series line has a two year warranty. (After initially being told one year at the begi...
by samtex
Mon Jun 20, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: Buying a used car from a rental agency
Replies: 23
Views: 2383

Re: Buying a used car from a rental agency

Not sure about anybody else but I always drive rental cars extra careful... NOT. I would NEVER buy a rental car. ^this. My sincere apologies to anyone who has purchased a rental car that I've driven. Or as the old saying goes.... "you know the difference in a jeep and a rental car? The rental ...
by samtex
Thu May 26, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 39
Views: 6135

Re: Zenni Optical

My question concerning ordering glasses over the internet is how do they determine the point of transition if you have progressive bifocals? I understand measuring the pupil distance but the tech in the store marks the vertical height on your lenses while you have them on, and that height changes de...

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