Search found 5895 matches

by sport
Fri Sep 22, 2017 3:35 am
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 47
Views: 2519

Re: No More Saving???

Say you are a number of years away from retirement and feel you can reach your FI with a more conservative AA. Should you adjust down? I am not in that position but curious if folks that are close to there number put the brakes on. Certainly. As you approach retirement, preservation of capital beco...
by sport
Tue Sep 19, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 90
Views: 3197

Re: Online Bill Pay Security: Push or Pull?

Due to a mixup, I once received a water bill for more than $3000. This is a huge error, considering the low water rates we have being next to Lake Erie. It took the water dept. about a year to get things straightened out. I would not want to have that kind of bill pulled from my account and try to g...
by sport
Tue Sep 19, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Withdrawals
Replies: 10
Views: 1134

Re: Retiree Roth Withdrawals

I would include the Roth in your AA calculations. The reasoning is that if you need to rebalance, you can rebalance within your Roth if you want to or need to. This way you can control your risk to your desired level. I can understand if one needs to withdraw from the Roth, but as a retiree I don't...
by sport
Tue Sep 19, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4063

Re: Costco vs sams club vs neither.

In my area, the closest Sam's Club closed up "due to competition and lack of business". The Costco store is always busy.
by sport
Tue Sep 19, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 90
Views: 3197

Re: Online Bill Pay Security: Push or Pull?

I push because Credit Card companies are set up to give you a new credit card [account] pretty much instantly if you or they suspect fraud. I think banks seem to be quite a bit less accommodating in this regard. In addition, if there is an erroneous charge on a credit card, you can just dispute it....
by sport
Tue Sep 19, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1299

Re: Time to buy a used VW Diesel?

OTOH the reliability of VW cars - diesel or not - would give me pause. I'd make sure to get a good price and expect big maintenance bills. I would rather pay the price for a Honda or Toyota. I believe that they will be less expensive to own, even including a higher initial cost. In addition, you wo...
by sport
Tue Sep 19, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Considering a Bond Ladder. Your opinion?
Replies: 5
Views: 299

Re: Considering a Bond Ladder. Your opinion?

The reason you would get more yield from the bond ladder than an investment grade mutual fund is by taking more risk. In this case, you are not only taking the risk of lower rated bonds, but you also have specific company risk due to the lack of diversification. I would limit fixed income investment...
by sport
Tue Sep 19, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 90
Views: 3197

Re: Online Bill Pay Security: Push or Pull?

KlingKlang wrote:
Tue Sep 19, 2017 10:40 am
I'm 100% 'push' from my bank checking account because I don't want anyone 'pulling' money out of it without me authorizing the specific transaction and amount.
I am also 100% push. I don't trust anyone other than DW and myself to have direct access to our checking account.
by sport
Mon Sep 18, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4606

Re: USPS lost very important certified mail - What next?

I believe checks are scanned by automatic equipment that may not even look at the date. If it appears to be a valid check, I would expect the bank to cash it. So, IMO, stop payment procedures may not work especially when you need them the most.
by sport
Mon Sep 18, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4606

Re: USPS lost very important certified mail - What next?

If you stop payment on a check, is that a permanent stop, or is it in effect for a limited time? I seem to recall my bank telling me a stop was good for only 6 months. 6 months is all you need: According to Article 4-404 of the Uniform Commercial Code, a bank is not obligated to pay a check out of ...
by sport
Mon Sep 18, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4606

Re: USPS lost very important certified mail - What next?

If you stop payment on a check, is that a permanent stop, or is it in effect for a limited time? I seem to recall my bank telling me a stop was good for only 6 months.
by sport
Mon Sep 18, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 162
Views: 16310

Re: Calling out the not so rich bogleheads

Having said that, I would say that the forums are generally dominated by folks who are millionaires, multi millionaires or soon to be millionaires at very young ages. While this is how it seems to you, I do not believe that it is necessarily true. We don't know the wealth level of most Bogleheads.
by sport
Mon Sep 18, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Withdrawals
Replies: 10
Views: 1134

Re: Retiree Roth Withdrawals

I would include the Roth in your AA calculations. The reasoning is that if you need to rebalance, you can rebalance within your Roth if you want to or need to. This way you can control your risk to your desired level.
by sport
Mon Sep 18, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5427

Re: Getting over emotional attachment to house

Another thing to consider is that moving is a large difficult chore. You should want to move to a suitable retirement house eventually. So, I suggest that it is better to do that while you are still young enough to handle the task. If you delay moving too long, you may reach a point where you really...
by sport
Sun Sep 17, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5427

Re: Getting over emotional attachment to house

We moved out of our first house after 35 years. We bought it at the time we were married and raised our family there. We moved to get a house on one floor for ease of movement as we age. We like our new house so much, that we never give a thought to missing the old one. So, the best advice I can giv...
by sport
Sat Sep 16, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3184

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

So I take it that the $1200 was the contracted amount between your Advantage company and the provider, and your provider accepts that amount as full payment? I believe that is the Medicare allowed amount. Actually it was the total of three invoices. One for the doctor, one for the facility services...
by sport
Sat Sep 16, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3184

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

My hospital is one of 1300+ rural "Critical Access Hospitals" CAH. This article based on Wall Street Journal analysis quotes how massively more expensive procedures are at CAH's. (Thanks to boglehead btenny for pointing this out). eg. I just had a colonscopy. CAH patients pay $840 copay at such hos...
by sport
Fri Sep 15, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: IRA withdrawal at 64
Replies: 4
Views: 376

Re: IRA withdrawal at 64

When RMD kicks in perhaps there will be little alternative but to move the distributions into Taxable if they are not needed for spending After the RMD is taken for a given year, Roth conversions are still possible. The rule is that the first withdrawals apply to the RMD and the RMD cannot be conve...
by sport
Fri Sep 15, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA/RMD question
Replies: 6
Views: 471

Re: Inherited IRA/RMD question

If you withdraw money from the IRA and reinvest it (less taxes) in the same investment for the long term, the short term problem does not apply.
by sport
Thu Sep 14, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2281

Re: blood pressure monitor recommendations?

I suggest asking your medical insurance if they will pay for a bp monitor. It may require a Dr.'s prescription. If the insurance covers it, they may specify the brand and/or the vendor. When you do get one, take it with you to your next Dr. appointment and check it against the unit the Dr. uses. If ...
by sport
Thu Sep 14, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2419

Re: Can not decide between washing machines

misterno wrote:
Thu Sep 14, 2017 4:32 pm
Also, I will be using my Citi costco card to get the additional 2 year warranty
Costco also sells appliances. Did you check there for prices?
by sport
Thu Sep 14, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

Electron wrote:
Thu Sep 14, 2017 1:09 pm
An ammeter can be connected in series with one lead if you want to see the charge current.
As mentioned above, be sure to use the negative lead if you do this.
by sport
Thu Sep 14, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 294
Views: 30472

Re: Vanguard Customer Service

Over the past few months I've finally convinced my relative to move from Edward Jones to Vanguard. It was a tough sell. Now I'm reading this thread about poor customer service at Vanguard. If the phone call to Vanguard doesn't go smooth, I'm afraid my relative will stop the transfer process. I offe...
by sport
Thu Sep 14, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

If the cigarette outlet has power to it when the ignition is off, you can use the plug. If not, you need to connect directly to the battery. If you do this, connect only the positive connector to the battery. Connect the negative elsewhere to a bare metal grounded part away from the battery. Connec...
by sport
Wed Sep 13, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

No car I've ever heard of has a charge controller the battery. They just brute force charge the battery at a constant voltage, yet a battery in a miles per day daily driven car actually lasts for years in-spite for being overcharged most start cycles. Car batteries are pretty tough. I believe most ...
by sport
Wed Sep 13, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

I'm sure someone can do a better calculation, but my battery is ~ 500 CCA, 12v, and can crank for maybe 3 mins (?) straight before being dead I'd guess. That's 1000kJ. A 1.5w charger would produce (with losses) about 1 kJ a day, or 1/1000 of the batter's total storage. Given a battery charge doesn'...
by sport
Wed Sep 13, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

deleted
by sport
Wed Sep 13, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Securities lending revenue: DFA vs vanguard.
Replies: 14
Views: 1129

Re: Securities lending revenue: DFA vs vanguard.

If you look at funds in both companies that track the same index, you should get an answer to your question.
by sport
Tue Sep 12, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

I'm sure someone can do a better calculation, but my battery is ~ 500 CCA, 12v, and can crank for maybe 3 mins (?) straight before being dead I'd guess. That's 1000kJ. A 1.5w charger would produce (with losses) about 1 kJ a day, or 1/1000 of the batter's total storage. Given a battery charge doesn'...
by sport
Tue Sep 12, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2155

Re: Another battery question

If the cigarette outlet has power to it when the ignition is off, you can use the plug. If not, you need to connect directly to the battery. If you do this, connect only the positive connector to the battery. Connect the negative elsewhere to a bare metal grounded part away from the battery. Connec...
by sport
Mon Sep 11, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3507

Re: Relocate for Early Retirement?

Well, I relocated about two blocks, does that count? We relocated about 7 miles. The main reason was to get a one-floor house for physical ease as we get older. We have family here, the cost of living is reasonable, we have excellent medical facilities, no hurricanes, and we are 5 minutes from Cost...
by sport
Mon Sep 11, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3507

Re: Relocate for Early Retirement?

I would suggest your questions and concerns apply to retirement in general, whether early or not.
by sport
Mon Sep 11, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2628

Re: "Luxury" Vinyl vs Laminate flooring?

We put LVT in a new kitchen 11 years ago. It looks like tile, but is warmer underfoot and will not break. Only a damp mop is needed for care. It still looks like new. It is also available in planks as well as tiles. This is the product currently available. It is called Permastone. http://www.tarket...
by sport
Mon Sep 11, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 35
Views: 9724

Re: Safe Deposit Box Fee (Bank of America)

We pay $18/year to have a small safe deposit box (papers folded in thirds) at a local 'mom & pop' bank. The deposit requirement is $100 min. If you have a local bank like this, I would reach out to them. This is one reason why I like small local banks. I like them too. However, whenever I find one,...
by sport
Mon Sep 11, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2628

Re: "Luxury" Vinyl vs Laminate flooring?

We put LVT in a new kitchen 11 years ago. It looks like tile, but is warmer underfoot and will not break. Only a damp mop is needed for care. It still looks like new. It is also available in planks as well as tiles. This is the product currently available. It is called Permastone. http://www.tarkett...
by sport
Sun Sep 10, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Before Social Security
Replies: 45
Views: 11088

Re: Medicare Before Social Security

pshonore wrote:
Sun Sep 10, 2017 1:00 pm
Spouse has a minimal SS benefit which is not sufficient to pay Part B premuim; "hold harmless" provision does not apply in that case either. They bill for the balance once a year.
This is our situation as well. Sometimes the billed amount is correct. :annoyed
by sport
Sun Sep 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Discover(card) Now Offers Free Social Security Number Alerts
Replies: 16
Views: 1622

Re: Discover(card) Now Offers Free Social Security Number Alerts

I opened my Discover Card account in 1986. At that time, it was one of the first (maybe the first) to offer credit card rebates. I used it to pay college tuition for my children and got some decent money in rebates. Being an early offer, the rebates started at 1/4 percent and ramped up to 1% when th...
by sport
Sat Sep 09, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 23
Views: 1376

Re: First Class Stamps on Large Packages

giacomo_bogle wrote:
Sat Sep 09, 2017 9:35 pm
Just make sure that you have the right postage to the exact cent
You can always have extra postage. The USPS will not mind as long as the postage is sufficient.
by sport
Sat Sep 09, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 23
Views: 1376

Re: First Class Stamps on Large Packages

dm200 wrote:
Sat Sep 09, 2017 2:42 pm
with 20 37c first class stamps already
37 cents? Are these very, very old stamps purchased when 37 cents was the first class letter rate?
These are not very very old stamps. The very old first class stamps are 3 cents. The very very old first class stamps are 2 cents. :shock:
by sport
Fri Sep 08, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Taxes Quarterly
Replies: 21
Views: 2020

Re: Paying Taxes Quarterly

Don't forget about state income tax requirements if that applies to you.
by sport
Fri Sep 08, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: HVAC AC and furnace replacement quandary
Replies: 21
Views: 2384

Re: HVAC AC and furnace replacement quandary

Many years ago, the compressor on my AC failed. I just had the compressor replaced. It was much less expensive than replacing the entire AC system. It lasted for many years and was still operating when I sold the house. During this time, I replaced the furnace, and did not have to change the AC.
by sport
Fri Sep 08, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills
Replies: 23
Views: 2671

Re: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills

This can work the other way as well. A few years I went to the hospital emergency room with chest pains. I was admitted "under observation" and stayed in the hospital over one night. They ran all kinds of tests. My emergency room and doctor bill was about $19,000. The cost to me was a $50 copay on m...
by sport
Thu Sep 07, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: HVAC AC and furnace replacement quandary
Replies: 21
Views: 2384

Re: HVAC AC and furnace replacement quandary

If there is a Costco in your area, you might want to get them to quote.
by sport
Tue Sep 05, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2295

Re: Wine in laptop

Can you plug in a separate keyboard via the USB port?
by sport
Tue Sep 05, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: How to cut Garden Trellis?
Replies: 24
Views: 1285

Re: How to cut Garden Trellis?

If you want to expend a little effort, a hacksaw would do the job.
by sport
Tue Sep 05, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3671

Re: Did Charmin UltraSoft TP become "UltraThin"?

SimonJester wrote:
Tue Sep 05, 2017 1:45 pm
We picked up Costco's Kirkland brand TP this last time and we are not impressed. Real thin, not soft, prone to the "brown finger poncho" effect.
You must have bought the cheaper variety. The better product is very good. Look for the name "Ultra Soft".
by sport
Tue Sep 05, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3671

Re: Did Charmin UltraSoft TP become "UltraThin"?

Costco has two TP products. The purple package is the Ultra Soft. The blue package is a cheaper product. This link shows the good product:
https://www.costco.com/Kirkland-Signatu ... 84187.html
by sport
Mon Sep 04, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2254

Re: How long do cars last these days (electronics)

DebiT wrote:
Mon Sep 04, 2017 1:03 pm
Hi Sport. I totally agree re the brands. But even then, I wonder about how to keep them.
My experience with Toyotas is to change the oil on schedule and not worry about them. I have a 2010 Camry and a 2013 Camry. I cannot recall ever repairing either one. (They are both low mileage.)
by sport
Mon Sep 04, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: High interest checking or cash back credit cards?
Replies: 9
Views: 832

Re: High interest checking or cash back credit cards?

I think debit cards are not nearly as safe as cc, so I would never use an account that made me use a debit card. I made my bank take back their fake visa and give me a card that only works in atms. There are plenty of accounts out there, and it is not like making an extra .75% on 15 k is going to m...
by sport
Mon Sep 04, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2254

Re: How long do cars last these days (electronics)

I would address this concern by buying a brand that is known for reliability, such as Toyota or Honda. Similarly, I would avoid brands with poor reliability records. Consumer Reports would be one source of such information. Personally, I only buy Toyotas.