Search found 5531 matches

by sport
Sun May 28, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 12
Views: 483

Re: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

mortfree wrote:Since there were no visible cracks, do you think it had anything to do with the temperature inside the home? Expansion and contraction of wood materials?

I would expect the door frame to expand and contract about the same amount as the door. So, a tight fit should have other causes.
by sport
Sun May 28, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 49
Views: 6203

Re: How exactly does Vanguard's RMD service work? Rebalancing?

I know this is a few years old but I am guessing the information I've read in the thread is still correct. My mom is taking RMD for the first time this year. She recently got the letter about enrolling in this service. She's very on top of understanding how much she must take out. She wants to make...
by sport
Sun May 28, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 56
Views: 5329

Re: Avoiding Taxes with RMD

Keep in mind that if you want any QCDs to count towards your RMD, you must make the QCDs before you finish taking the RMD. You must also be older than 70.5 to make a QCD.
by sport
Fri May 26, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 39
Views: 2591

Re: Septic Pumping - Did I get ripped off?

You are wise to admit that this is your first home, and your first such cleaning, because, whether or not this was a perfectly fair charge, it most certainly raises the likelihood that you paid more than you should have. If your first homeowner experience is like my first homeowner experience, prep...
by sport
Fri May 26, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2487

Re: New car doc fees

I bought a car through the Costco buying service. The dealer was required by Costco to show me the invoice and the deal was invoice plus $200. When I saw the doc fee, I told the dealer I did not want to pay that. He said that fee was non-negotiable. Then he reduced the price by about half of that fee.
by sport
Thu May 25, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 13
Views: 835

Re: Air Conditioning unit / fix or replace

Since the house will be sold shortly, the lesser expensive fix would seem to make more sense. The new owners will be happy that the AC works. They are not likely to pay much more if the whole system is new. I replaced a compressor a long time ago, and it worked for many years. I do not know how long...
by sport
Wed May 24, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Verifying IRS expectations on Inherited IRA
Replies: 20
Views: 950

Re: Verifying IRS expectations on Inherited IRA

You might want to read IRS Pub 590-B. That covers the rules on withdrawing from IRAs.
by sport
Tue May 23, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Battle of Low Interest CD's
Replies: 5
Views: 918

Re: Battle of Low Interest CD's

If you do not know which CD to get, consider splitting the money in half and buy some of each.
by sport
Tue May 23, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Betterment and Wealthfront for a teenager
Replies: 16
Views: 1412

Re: Vanguard, Betterment and Wealthfront for a teenager

I started Vanguard accounts for my two children when their grandmother gave them a gift when they were 7 and 9 years old. Although I kept track of the investments until they became adults, I always gave them their copy of the printed semi-annual and annual reports while they were growing up. They gr...
by sport
Tue May 23, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground
Replies: 43
Views: 5157

Re: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground

I believe there is a distinction between "non-profit" and "not for profit". IIRC, Vanguard is a "not for profit" entity.
by sport
Tue May 23, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1403

Re: Bradford White Electric Water heater?

How difficult is it for average layperson to change anode in hot water heater? If you have an impact wrench it is a 10 minute job. You just cut off water and power to heater, drain about 10 gallons of water, unscrew the old and insert the new one. Make sure you have enough clearance above your heat...
by sport
Tue May 23, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1403

Re: Bradford White Electric Water heater?

Bradford White is a good brand sold exclusively (I think) by plumbers. Rheem is also a good brand. The models with longer warranties use the same tanks as the models with shorter warranties. Where I live, we have soft water, and it's usually the tank that fails (from corrosion). So my plumber doesn...
by sport
Tue May 23, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1403

Re: Bradford White Electric Water heater?

Bradford White is a good brand sold exclusively (I think) by plumbers. Rheem is also a good brand. The models with longer warranties use the same tanks as the models with shorter warranties. Where I live, we have soft water, and it's usually the tank that fails (from corrosion). So my plumber doesn...
by sport
Tue May 23, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1403

Re: Bradford White Electric Water heater?

If you are presently heating water with gas, be aware that electricity is likely to be a lot more expensive.
by sport
Tue May 23, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: 401k vs Pension
Replies: 15
Views: 1300

Re: 401k vs Pension

The pension plan may have retiree health insurance benefits attached to it. A 401K will not.
by sport
Tue May 23, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 33
Views: 2627

Re: Fidelity and their "free advisor" service?

You can get low cost funds at Fidelity. You will get low cost funds at Vanguard.
by sport
Tue May 23, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Use Voided Check or Deposit Slip?
Replies: 15
Views: 939

Re: Use Voided Check or Deposit Slip?

Thanks for the responses. Prudent gave the answer I was looking for (see above).
by sport
Tue May 23, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Use Voided Check or Deposit Slip?
Replies: 15
Views: 939

Re: Use Voided Check or Deposit Slip?

munemaker wrote:I don't know the reason. Just give them a check. Mark it VOID. They aren't that expensive.

Of course. However, I believe it is worthwhile to understand how banks and their systems operate.
by sport
Tue May 23, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Use Voided Check or Deposit Slip?
Replies: 15
Views: 939

Use Voided Check or Deposit Slip?

DW has an employer that is changing their payroll system and has requested a "voided check". I thought that one of our deposit slips with the same routing and account number would suffice without giving away a check. However, when I look at the deposit slip, the routing number is highlight...
by sport
Tue May 23, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Excessive hold time for ACH for new bank accounts ?
Replies: 7
Views: 765

Re: Excessive hold time for ACH for new bank accounts ?

I would suggest that if you do not like the way a bank conducts business, use a different bank. There are plenty to choose from.
by sport
Sun May 21, 2017 1:12 am
Forum: Investing - Theory, News & General
Topic: Barclays Online Savings account increases their interest rates
Replies: 6
Views: 1132

Re: Barclays Online Savings account increases their interest rates

I received a credit card offer in the mail today. The interest rate on cash advances is 23.75%. Now that is an interest rate. :annoyed
by sport
Sat May 20, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard Prime Money Market fund remain competitive with online banks?
Replies: 6
Views: 1316

Re: Will Vanguard Prime Money Market fund remain competitive with online banks?

I stopped paying attention to the Vanguard Money Market fund when the yield seemed negligible. But they appear to be competitive now (near 1% yield) with the online banks again. Why? Is this likely to continue? I would prefer to simplify and not open a bunch of accounts chasing interest rates, if t...
by sport
Sat May 20, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on retirement plans
Replies: 4
Views: 565

Re: Advice on retirement plans

Perhaps you and your wife could each do a "backdoor" IRA.
by sport
Sat May 20, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on Series EE bonds issued in 1987
Replies: 13
Views: 930

Re: Taxes on Series EE bonds issued in 1987

In the past, maturing EE bonds could be rolled over into HH bonds. IIRC, this extended the tax deferment for another 20 years, while they paid out current interest semi-annually. However, HH bonds have been discontinued and are no longer available.
by sport
Fri May 19, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3620

Re: Anyone else track the value of their investments by discounting the value of equities?

I just have an allocation that is consistent with my risk tolerance. Because of that, I do not concern myself with possible market declines. IMO if you are concerned about the effect of market declines, your allocation is too aggressive.
by sport
Fri May 19, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2308

Re: Where to get oil change?

How many miles have you put on since September 2015? If you bought a 40k mile tire and put 20k miles on in a bit less than two years, then 50% of your 11/32 (new) tires would be gone, leaving 5/32nd left. What were the back tires at? Put the back on the front and then go for another 1+ years and it...
by sport
Wed May 17, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads - migrating more money to Vanguard
Replies: 3
Views: 563

Re: Thank you Bogleheads - migrating more money to Vanguard

Yes, you can have more than one IRA. When it comes time to take RMDs, you can take them all from one account, or some from each. As long as the total is correct, you are good to go.
by sport
Wed May 17, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: FNMA bond options - broker can't sell it
Replies: 4
Views: 286

Re: FNMA bond options - broker can't sell it

Perhaps you can donate it, if you can find an organization that will take it.
by sport
Wed May 17, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: FIL's $100k Question
Replies: 5
Views: 669

Re: FIL's $100k Question

Vanguard Target Retirement Income https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0308 One fund, simple, low costs, widely diversified. No financial planner needed. Or: Lifestrategy Income Fund https://personal.vanguard.com/us/funds/snapshot?FundId=0723&FundIntExt=INT ...
by sport
Wed May 17, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: When to take interest in a CD?
Replies: 18
Views: 1345

Re: When to take interest in a CD?

If you leave the interest in the CD, it earns the CD interest rate. If you take the interest and put it into a savings account, it earns the savings account interest rate. For long term savings, use the method with the higher rate.
by sport
Tue May 16, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 527

Re: Money market funds or other low risk funds - please help

You can open an IRA at a bank or credit union and get a "direct CD" there. Alternatively, most any broker, including Vanguard, can open an IRA account for you and you can get CDs through the broker for that account.
by sport
Tue May 16, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 527

Re: Money market funds or other low risk funds - please help

Youngblood wrote:Fidelity has good CD ladders you can purchase or simply choose any individual CD which are FDIC insured.

CDs are very safe. However, your access to the money is more difficult (read possibly more expensive) until the CD matures.
by sport
Tue May 16, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 527

Re: Money market funds or other low risk funds - please help

Where is your account now? At Vanguard or another institution? Money market accounts pay little interest. If the expense ratio, and/or other expenses are high, there is nothing left for you to earn. Vanguard has very low expenses, and no extra fees if you get electronic statements or have a suffici...
by sport
Tue May 16, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 23
Views: 2209

Re: Privacy vs $$$$

I made a purchase in one store that insisted on getting my phone number. I refused, so they would not complete the sale. I said, all right, my number is 999-9999. The clerk looked at me and gave up.
by sport
Mon May 15, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1316

Re: Quality decline in off-brand alkaline batteries?

It is probably not fair to lump all off-brand batteries together. One off-brand may the same as the brand name, while another off-brand gets the rejects that are not good enough for the brand label. I have used Kirkland brand (Costco) without any problems. However, Costco is very fussy about their m...
by sport
Sun May 14, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

Re: RMD in 2018

Celia wrote: In addition, if you should be doing Roth conversions this year, you can't do them until you take your RMD for this year. I will be 70 yo in 2018 and will be taking my RMDs for the year in 2018. Now if I don't need part of the RMD, instead of transferring it to my taxable account at VG,...
by sport
Sat May 13, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1169

Re: Thoughts on state employee pension.

Is your pension contribution in addition to, or in lieu of, social security contributions?
by sport
Sat May 13, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank can't put memo on recurring billpay payments?
Replies: 2
Views: 426

Re: Ally Bank can't put memo on recurring billpay payments?

Perhaps you can use two different account numbers for the same payee.
by sport
Sat May 13, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: how to turn off gmail spam filtering?
Replies: 19
Views: 858

Re: how to turn off gmail spam filtering?

I have my email sent to my "lifetime address" at my old university. The university uses a gmail system that forwards the mail to my ISP email, and I use Thunderbird for easy access to that. Recently, the gmail started to put one regular correspondent into spam because "the email sourc...
by sport
Sat May 13, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 2037

Re: Fidelity portfolio advisory services

0.45% of 1000 is 4.50
0.3% of 1000 is 3.00
0.03% of 1000 is .30
by sport
Fri May 12, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 3792

Re: Interested in lake property

This is a "want" not a "need". I do not believe in borrowing money to pay for a want. If you want more advice, you should post your family budget with and without the acquisition.
by sport
Fri May 12, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 1816

Re: Buying Major Appliances Online

Costco sells major appliances on line. Costco is known for low prices on good products.
by sport
Fri May 12, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 2037

Re: Fidelity portfolio advisory services

Find out what the expense ratio is on the funds Fidelity would have you invest in. Most likely, they will be high expense funds in addition to the management fees. Vanguard offers an advisory service with a fee of 0.3% and they use Vanguard's very low expense funds. In short, Fidelity will be expens...
by sport
Wed May 10, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Account
Replies: 9
Views: 1194

Re: Vanguard Brokerage Account

I find the mutual fund type of account easier to work with. If all I want to buy are Vanguard mutual funds, I don't need a sweep account. I can also make automatic exchanges between my mutual funds. I believe you cannot do that in the brokerage account.
by sport
Wed May 10, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: General question of balance and compromise
Replies: 22
Views: 1309

Re: General question of balance and compromise

I think one just compares themselves with their peers. If one is comfortable, then one will have about the same kinds of cars, homes, vacations as their peers. They have a choice of getting new peers. Of course it is just my opinion. However, I feel some of my peers make some ill advised choices/de...
by sport
Wed May 10, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: General question of balance and compromise
Replies: 22
Views: 1309

Re: General question of balance and compromise

These are all personal choices based on your needs and priorities. There are no rules. You get to decide for yourself.
by sport
Wed May 10, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Parking cash in Vanguard CDs. How easy is it?
Replies: 5
Views: 630

Re: Parking cash in Vanguard CDs. How easy is it?

I just bought my first brokered CD at Vanguard. I did it on line. It was very easy. The description will tell you if the CD is callable. The advantage of a callable CD is that it might pay a little higher rate. The disadvantage is if rates go down, the bank will call the CD and give you your money b...
by sport
Wed May 10, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Interest rate per year
Replies: 6
Views: 613

Re: Interest rate per year

I am not willing to finance anything. If they offer 0%, I would try to negotiate a lower price in lieu of payments.
by sport
Wed May 10, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Challenges Of Managing Finances As We Age
Replies: 25
Views: 3530

Re: Larry Swedroe on Challenges Of Managing Finances As We Age

There should not be any "rules" concerning cognitive decline at specified ages. People age mentally at very different rates. Some people have significant declines in their 70's. Others, in their 90's, are still very sharp. IMO, this falls in the category of "know yourself". Well...
by sport
Wed May 10, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: When switch fund for lower ER?
Replies: 14
Views: 1104

Re: When switch fund for lower ER?

I just use Vanguard funds and do not worry about this. Vanguard will always have very low costs for the type of fund. If their costs are not the lowest, they will not be far from it.

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