Search found 425 matches

by spammagnet
Sun Mar 26, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 48
Views: 6881

Re: Do you have enough? How I realized yeah I do.

... So I think I now feel I have enough because I don't any longer feel it is something I need to monitor closely or look to tweek in any way. ... the last vestiges of my financial fretting just faded, I have enough. Congratulations on achieving financial confidence. I look forward to that feeling....
by spammagnet
Sat Mar 25, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1951

Re: What online bank do you use?

Fidelity Cash Management. Get $$$ from any ATM. No fees. Billpay. Free checking. Visa with 2% cash rewards. I send my 2% to my mutual funds. I treat my 2% like any other cash and save it or spend it, as my financial goals indicate. Great customer support. Good web site. Good phone app with essentia...
by spammagnet
Fri Mar 24, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 20874

Re: Quicken's future direction - a cause for concern

I'd be inclined to do that if I knew how to download the data from my bank directly to excel using the ofx format...that's the format my bank supports. Do they not offer .CSV? They all offer spreadsheet download, it is a standard that will always be. Excel add-ins exist that convert csv/xls to qif ...
by spammagnet
Thu Mar 23, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 64
Views: 3367

Re: A SUV for towing a Travel Trailer

... when I think of a 17ft Escape I think two people and that would work with the higher-GVWR mid-sized SUVs. The manufacturer describes it as sleeping 4, including the fold-down dining table. But that can still work with the right vehicle and that doesn't have to be a Super Duty with an 8' box. Ma...
by spammagnet
Thu Mar 23, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 20874

Re: Quicken's future direction - a cause for concern

sandramjet wrote:I'd be inclined to do that if I knew how to download the data from my bank directly to excel using the ofx format...that's the format my bank supports.

Do they not offer .CSV?
by spammagnet
Thu Mar 23, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 64
Views: 3367

Re: A SUV for towing a Travel Trailer

... Sorento has a lower height hitch receiver causing sagging issues of the rear end. ... You need a weight distributing hitch no matter what vehicle you pull the trailer with. You also need an adjustable ball mount so the trailer tongue is level when fully hitched. Properly adjusted, it will elimi...
by spammagnet
Thu Mar 23, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 64
Views: 3367

Re: A SUV for towing a Travel Trailer

I suggest you visit http://www.escapeforum.org/forums/ , if you haven't already. Correspondents there will have personal experience with the trailer you plan to pull. I've pulled a pop-up for 20 years and have owned a 21' hybrid travel trailer for about 3 years. My long-time tow vehicle was a 2005 D...
by spammagnet
Wed Mar 22, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4537

Re: Fidelity vs. Vangard?

... How many standard Fidelity mutual funds actually invest in non publicly traded companies? Are they even allowed to? I was not under the impression that these funds acted as venture capital firms, which is pretty much what F-Prime is. So there doesn't really seem to be much correlation, unless I...
by spammagnet
Wed Mar 22, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4537

Re: Fidelity vs. Vangard?

True, but that's what I meant by saying it's a pain; you call it annoying, tomato tomahto :D I didn't know if you were aware of that approach. I just started having the problem recently. I wonder if it might get resolved. Other banks require 2FA but Quicken handles it transparently. Considering com...
by spammagnet
Tue Mar 21, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4537

Re: Fidelity vs. Vangard?

I also have a Fidelity reward credit card. Since they moved from Amex (which worked fine) to Visa (Elan Financial), it's become a PITA to download to Quicken. While annoying, I found a simple workaround. I exclude it from my One-Step Update, then run a separate update from the account register. The...
by spammagnet
Tue Mar 21, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 25
Views: 1020

Re: Do I need new tires?

So this expense would represent a 12% investment for nine months or so of use. Ignore the cost relative to the value of the car. You need new tires. Buying them may prevent an accident, potentially saving your life and other's lives. Pay whatever is required for appropriate replacements. They needn...
by spammagnet
Mon Mar 20, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4537

Re: Fidelity vs. Vangard?

pyld76 wrote:... I suppose the risk with Fido is that someday they reverse course, and costs creep up again. Particularly in taxable, you'd be hosed. ...

Can that risk not be mitigated with ETFs, those being portable with in-kind transfers?
by spammagnet
Mon Mar 20, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 6397

Re: Recommended emergency fund for middle class households: $13,800

What you call a "buffer" is what the rest of the country calls an emergency fund. Perhaps. I don't mean to seem insensitive to the financial reality of a lot of families. I'm not at the end of the curve that keeps years of cash on hand, either. My use of the term "buffer" comes ...
by spammagnet
Mon Mar 20, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 6397

Re: Recommended emergency fund for middle class households: $13,800

What I get out of the referenced article is not a recommendation for an emergency fund. Rather, it's a suggested amount of liquid assets available to smooth over wide, but normal, variances in income vs expenses. To me, that's a buffer, not an emergency fund. The latter is for financial disasters su...
by spammagnet
Mon Mar 20, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card Rewards Question
Replies: 5
Views: 591

Re: Fidelity Credit Card Rewards Question

If you previously held the FIA Fidelity Visa it retained the same cashback structure upon conversion to the Elan Fidelity Visa. You need to call the number on the back of your card and ask to be "upgraded" to the full 2% version. As an anecdote, I did that shortly after receiving my Elan ...
by spammagnet
Mon Mar 20, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: House buying guidance with current finances
Replies: 30
Views: 2780

Re: House buying guidance with current finances

Your wife's economic value to the family is not zero. If she's gone you have extra costs for child care and possibly a reduction in your own income due to spending more time away from work. The same is true for disability but I don't if you can buy disability insurance for someone who is not generat...
by spammagnet
Sun Mar 19, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1996

Re: Cheapest dress shirt to wear under a sweater

Anyone know of a store that sells these cheap shirts? Even online is fine if the shipping is reasonable. Try Plato's Closet (http://www.platoscloset.com), if you have one in your area. It's a for-profit used clothing franchise operation that buys only current style clothing in good marketable condi...
by spammagnet
Sun Mar 19, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1996

Re: Cheapest dress shirt to wear under a sweater

Amazon.com has good prices on dress shirts. I've gone to brick and mortar places-- like Men's Wearhouse-- to try on certain brands first. Then, if the price is too high there, I check Amazon. I do the same but will buy at least one at the store where I tried it on. Keeping the doors open costs them...
by spammagnet
Sun Mar 19, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Asset Consolidation
Replies: 5
Views: 308

Re: Asset Consolidation

Hold enough in your checking account that transfers are not required for predictable expenses. That includes irregular expenses such as occasional larger (not very large) maintenance or healthcare bills. Don't spend beyond what you planned. Put the rest in your higher-yielding savings. YNAB will hel...
by spammagnet
Sat Mar 18, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 2323

Re: Purchase and Sale of home: pearls of advice

Homeowners: What is something you learned buying or selling a home that you wish you had known before beginning the process? Specifically, did you learn any negotiation tactics, pricing or listing tips, contingency pitfalls, packaging/storing tips, escrow/inspection words of wisdom etc? If you get ...
by spammagnet
Sat Mar 18, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 74
Views: 7652

Re: Citi card Nightmare

Well, um, yes, getting Discounts is A Good Thing Getting coupons for the things you buy regularly is Good. Having your premium for your auto and HO policies raised because they think you will meekly accept - Not Good. It is Bad. (Re-read the post. I don't think you are fully getting it) I don't dis...
by spammagnet
Sat Mar 18, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 74
Views: 7652

Re: Citi card Nightmare

That is why I suspect Amex is doing exactly that -making money from selling data obtained thru customers who charge their groceries while using the store loyalty card. That is how they can get the details of your purchases. What credit card issuer doesn't do that? This isn't new. Even 20 years ago ...
by spammagnet
Sat Mar 18, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 20874

Re: Quicken's future direction - a cause for concern

Automated projection of future cash flow (via recurring reminders) is one of the most important jobs Quicken does for me (along with transaction download -- keeping up with actual cash flow). For me, Quicken's value is this, plus the ability to use that information for estimating income taxes. Yes,...
by spammagnet
Sat Mar 18, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 20874

Re: Quicken's future direction - a cause for concern

... So, a poor strategy is probably really their downfall. They (when Quicken was owned by Intuit) created a free service that cannibalized their paid product and didn't really have a good strategy to combat that. Of course, we all know that Mint is not entirely "free" ... Intuit didn't c...
by spammagnet
Sat Mar 18, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3100

Re: How do you cope with regret over selling too soon?

Dont feel bad...ever hear of Ron Wayne? Probably not...he's the unknown founder of apple. He sold his apple shares for $800 back in 1976. Today they'd be worth $35,000,000,000. https://en.m.wikipedia.org/wiki/Ronald_Wayne "... Wayne has stated that he does not regret selling his share of the c...
by spammagnet
Wed Mar 15, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Question for Docs/Surgeons/ARNPs
Replies: 23
Views: 2795

Re: Question for Docs/Surgeons/ARNPs

Big Worm wrote:Sadly, it's not the doctor's lounge anymore. It's the "provider's lounge" which is just one more reason that healthcare and being a physician is in the crapper compared to what it used to be.

Gotta eat with the riff-raff?
by spammagnet
Wed Mar 15, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16575

Re: gratuitous homeownership items

For all the mentions of a pool as gratuitous (I did), I regard as swimming pool as valuable in a rural location, along with concrete block construction and a metal roof. The reason is fire prevention and protection. The pool can be a water source for the pumper truck trying to extinguish a fire. Tha...
by spammagnet
Tue Mar 14, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Contract purchase of condo from elderly mother to fund assisted living
Replies: 7
Views: 569

Re: Contract purchase of condo from elderly mother to fund assisted living

If your mother's income and assets are in the range that Medicaid assistance may be available (it needn't be full payment), you definitely should consult a qualified attorney. In Florida, a large bank balance may disqualify her for Medicaid assistance, while an income stream (mortgage payments) migh...
by spammagnet
Tue Mar 14, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Looking for direction...two years later
Replies: 18
Views: 1798

Re: Looking for direction...two years later

Hmm...I wasn't expecting this response. I thought the general consensus around here is "drive it into the ground, then drag the carcass to a mechanic and revive it." Don't buy a Maserati. I should just put the max amount allowed to the 401k? 17.5% is it? The maximum absolute $ amount is d...
by spammagnet
Tue Mar 14, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16575

Re: gratuitous homeownership items

Vanguard Fan 1367 wrote:I thought it cool that someone I met in Barbados had a "lawn" of rocks with various drought friendly plants like cacti.

In Florida, state law disallows homeowners' associations from regulating against xeriscape, though few homeowners actually do that.
by spammagnet
Mon Mar 13, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1467

Re: web access in a power failure

I don't care about downloading books, of course, in those circumstances, but I do want to see power outage maps, weather reports, the town's page. If it's part of a foul weather plan, a hotspot might be justified. Don't forget you need to charge it, too. We have a small generator for the purpose of...
by spammagnet
Mon Mar 13, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1467

Re: web access in a power failure

... Some smart phone plans like T-Mobile One include mobile hot spot at no additional cost. Cricket charges $10/month for mobile hotspot. ... By your reference to Cricket charging $10, is it fair to assume you mean in addition to the normal account charges? I have an Android phone on Verizon. Mobil...
by spammagnet
Mon Mar 13, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16575

Re: gratuitous homeownership items

I have black-ish granite countertops, and I have never done anything to them other than occasional wipe downs in the twelve years since I moved in. No stains that I can see (perhaps because it is black). Is there any chance that your countertops are actually a different type of stone? The wife and ...
by spammagnet
Sun Mar 12, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16575

Re: gratuitous homeownership items

Homeowners: Is there anything that you thought would be an asset when you bought your home and later found it to be gratuitous? For example, my husband wanted a pool. When we had our previous home built 20 years ago, a standard feature was a garden tub with a whirlpool pump. The design of the bathr...
by spammagnet
Thu Mar 09, 2017 12:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13243

Re: Your USER NAME...what does it mean?

Part of an email address used for non-personal email.
by spammagnet
Wed Mar 08, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11472

Re: How to make it easier for spouse upon death

Phil: Well said. What do you suggest to avoid this unfortunate situation? Thank you and best wishes. Taylor Not that I'm in immediate need but can a trust stipulate the investment strategy? E.g., "must stay invested in a Three-Fund Portfolio using Vanguard funds"? Of course, there would b...
by spammagnet
Wed Mar 08, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

TimeRunner wrote:... maybe at retirement age it isn't so bad to refresh your mind on driving safety. ...

I will admit to having learned something but can't remember what that was.

:D
by spammagnet
Wed Mar 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

TimeRunner wrote:Also in most states you can take an online defensive driving course ("depending" - see details) and get an additional discount.

DW and I just completed the AARP online course. The excruciating boredom was a VERY high price to pay.

The things we do to save money ...
by spammagnet
Wed Mar 08, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

White Coat Investor wrote:How much is the [Berkshire-Hathaway share ownership] discount?

When I inquired I was told that other discounts exceeded it and double discounts were not allowed. Hopefully, I was not misled.
by spammagnet
Wed Mar 08, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

... Package wise, however, [GEICO] could not compete w/State Farm, where I benefit from big relationship and longevity discounts as well as claim free experience. I found the opposite to be true when shopping recently but we don't benefit from longevity discounts and our circumstances probably diff...
by spammagnet
Wed Mar 08, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity US Bond TLH - substitute fund?
Replies: 4
Views: 295

Re: Fidelity US Bond TLH - substitute fund?

radiowave wrote:Just making sure this is in a taxable account?

Yes. She had a small IRA which was closed long ago when her taxable income was very low.
by spammagnet
Wed Mar 08, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: 27 yrs old. Reading Bogleheads guide to investing. Still need help.
Replies: 24
Views: 1887

Re: 27 yrs old. Reading Bogleheads guide to investing. Still need help.

Take care not to encumber funds too much when heading into a year where your income will drop and unplanned needs may arise. It will be harder for you to come up with cash to meet those needs. It may behoove you to defer your investment plans until you reach your educational goals. Those goals are a...
by spammagnet
Wed Mar 08, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Best bank for managing accounts from different entities, trusts, businesses, etc....
Replies: 12
Views: 734

Re: Best bank for managing accounts from different entities, trusts, businesses, etc....

I don't know about trust accounts but I use Ally Bank to push/pull into/out of all my online banks and mutual fund companies. I have over 12 and Ally is excellent in this regard. I assisted my father in opening an online Ally savings account for his trust. It was easy. He doesn't have other account...
by spammagnet
Wed Mar 08, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity US Bond TLH - substitute fund?
Replies: 4
Views: 295

Fidelity US Bond TLH - substitute fund?

Hello. I'm managing my Mom's investments using a 3-fund Fidelity portfolio. The bond fund is US Bond Index Premium, FSITX. That fund has a modest loss that would be worth capturing if transactions are low cost. Can someone suggest a substitute Fidelity fund for FSITX?

Thanks
by spammagnet
Tue Mar 07, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

... Hypothetically if I were to switch to geico, what would I use for a homeowners and umbrella? I thought usaa required that you have all of your properties and cars insured with them in order to have an umbrella. Maybe that's not the case for other companies. I have homeowner's through a separate...
by spammagnet
Tue Mar 07, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9448

Re: GEICO auto rates vs. USAA: too good to be true?

I've been an AMICA customer for 20+ years. Customer service has always been good. The fact that I live in Florida (hurricane country) and they were willing to insure my house was important. Occasional efforts to find other full-service underwriters resulted in no reason to change. We moved last year...
by spammagnet
Tue Mar 07, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 939137

Re: The Three-Fund Portfolio

I thought general consensus was to use Fidelity Global Ex US Index Fund Investor Class (FSGUX) or Premium Class (FSGDX), rather than Fidelity Total International Index Fund Investor Class (FTIGX) or Premium Class (FTIPX)? I'm not an expert on either but discussion on both can be found in the topics...

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