Search found 487 matches

by yatesd
Wed Nov 15, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4237

Re: Fair way to split expenses?

In our case (as I stated above) one of us eventually dropped down to $0 income (wanted to raise our own kids) FYI, stating that an individual who quits paid work is doing so to 'raise our own kids' is insulting to the many people who do not quit work and who also manage, mostly quite successfully i...
by yatesd
Mon Nov 06, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 84
Views: 4819

Re: Out of network care

It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almost two decades. Your post was a generalization. The negative extrapolation to all HMO's implied in your post is invalid. Huh? You posted opinion, I...
by yatesd
Sun Nov 05, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 84
Views: 4819

Re: Out of network care

You are correct, but almost nobody understands the plan they signed up for. You are probably the rare exception. http://www.pbs.org/wgbh/pages/frontline/shows/doctor/care/capitation.html http://www.investopedia.com/terms/c/capitated-contract.asp I agree with the above that your former characterizat...
by yatesd
Sun Oct 22, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 718

Re: Bond advise please

etguy, You are not really giving us enough information to provide advice. If you want 25% in bonds, then the Total Bond fund makes the most sense. Wellington is a blended fund that will do the "blending" for you. Assuming you are saving for retirement, maybe look at the Target date fund that corresp...
by yatesd
Sat Oct 21, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12874

Re: new 401(k) limits announced

I always pick a percentage that will leave me pretty far ahead. My goal is for the maximum to automatically be achieved in the Fall (payroll stops at limit), with the remaining higher paychecks helping pay for Christmas gifts. :D Personally, I enjoy the end of year "boost". Just be aware that some ...
by yatesd
Sat Oct 21, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7069

Re: How does/can Walmart offer such inexpensive prescriptions?

Interesting thread. I am a family physician and have gone through the process of pricing generic drugs for patients. When you buy them in bulk, as Walmart most certainly does, the cost is really pennies compared to what retail pharmacies charge. What looks like an awesome deal is simply a gimmick a...
by yatesd
Sat Oct 21, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7069

Re: How does/can Walmart offer such inexpensive prescriptions?

My guess is that Walmart makes money on prescriptions the same way they make money on everything else: huge volume (supplier discounts and leverage), low costs, efficient supply chain, and lower margins than many would tolerate. I agree...don't buy the wage issue, or made in China concern. No one h...
by yatesd
Sat Oct 21, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12874

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by yatesd
Thu Oct 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 2748

Re: Pant Recommendations (Business Casual)

I've been reasonably happy with adjustable waistband options. I have a few pants from Sams Club that are more traditional and also some golf pants from JosAbanks. Both work fine with or without a sport coat. Leadbetter golf pants http://www.josbank.com/leadbetter-pants Perry Ellis https://www.samscl...
by yatesd
Thu Oct 19, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2883

Re: Finally a win for teachers!!

Now you just need to get rid of your biggest fee...union dues!
by yatesd
Thu Sep 28, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8754

Re: Where do you get your news?

Rush Limbaugh
Wall Street Journal
Fox News
NPR
by yatesd
Tue Sep 26, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 2868

Re: High end cruising suggestions.

We just finished a Silversea cruise in the Mediterranean for our 25th anniversary. Really enjoy the smaller ships and access to the unique ports.
by yatesd
Thu Sep 21, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2356

Re: The money trail...import vehicle vs domestic.

My mom is the same way and will only buy "American" cars. She presently owns a Ford Fusion that was built in Mexico. I saw a list recently with US content for every car model sold in the US. The highest % surprised me. It was one of the Toyota models (I don't remember which). I had thought my Toled...
by yatesd
Thu Sep 21, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2356

Re: The money trail...import vehicle vs domestic.

I think it is important for everyone to have a good understanding of where they spend their money and the potential implications so personal decisions can be made. I've worked for 3 different Japanese companies and 1 Dutch company in a different industry so I have a reasonable understanding of the c...
by yatesd
Sun Sep 10, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 1890

Re: State Farm won't insure my rooftop solar

This is easy to solve...buy an electric car, hot tub, pool, and leave all the lights on. :D

You will be below the 125% threshold shortly.
by yatesd
Wed Aug 02, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7554

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.ho...
by yatesd
Wed Aug 02, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7554

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I would strongly suggest a Toro unit with a Kohler engine. They are, on average, the highest rated mowers just below Honda at much lower cost. They are far superior to B&S. Kohler is the market leader in commercial engines for turf. Kawasaki is also rated well. Toro & John Deere use them on some of...
by yatesd
Wed Aug 02, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7554

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.hon...
by yatesd
Wed Jul 26, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3195

Re: Is a kamado grill/smoker worth it?

I moved about 3 years ago. Up until then, I used a stainless steel weber natural gas grill hooked into the gas line on my deck. Very easy, but not a good option for smoking. Fast forward: I moved to a new home without natural gas. I didn't want to deal with propane tanks ever again, so I decided to ...
by yatesd
Mon Jul 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2831

Re: How Much Would You Spend on a Blender?

I was tempted by Vitamix and Blendtec. Ultimately chose the Blendtec due to the low profile design that allows it to easily fit under my cabinet. While the Blendtec is well rated, it may not fit into a home environment. The default configuration is very tall.
by yatesd
Thu Jul 13, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7182

Re: Cheap eggs... how bad?

I agree with others...if you are concerned about value and ethics, then please use the whole egg.
by yatesd
Sat Jul 01, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2492

Re: Bogleheads - how about an outdoor chair recommendation!

This is the chair my wife and I use. Originally bought it for BMW motorcycle camping. Kermit Chair- Handmade in Tennessee out of oak http://www.kermitchair.com/ http://www.sitemason.com/files/qvYERG/GREEN.jpg/main.jpg Shorter style, but very comfortable. Had ours for over 15 years and they are used ...
by yatesd
Wed Jun 21, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 8023

Re: is luxury car a smarter purchase?

Today, buying any car other than a self-driving car(Tesla?) is not a smart purchase. There is a revolution coming in the automobile world. Few more years, and all current car ownerships and insurance models will be history. We are living in the last years of manual driving. So, just wait for fully ...
by yatesd
Wed Jun 21, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 8023

Re: is luxury car a smarter purchase?

duplicate post
by yatesd
Wed Jun 21, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5331

Re: Help with Guns in Estate [how to sell]

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money. Not a fan of these programs. No...
by yatesd
Wed Jun 07, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 9332

Re: Dave Ramsey Financial Peace University ??? worth it?

Worst case: instructor is a financial advisor looking to pick up clients... Not that is a scary thought. Any evidence that happens? Yes, I recently moved to another State and switched churches. The church I currently attend has a certified financial planner teaching the course. He seems like a nice...
by yatesd
Wed Jun 07, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 9332

Re: Dave Ramsey Financial Peace University ??? worth it?

I think it is worth it; another option I have seen done is from Crown Financial Ministries. Although Dave's books are decent, I think classes are better for couples to help them get in sync. These classes are generally reasonably priced since the class is held in a church at no cost, and often taugh...
by yatesd
Sun Jun 04, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Life Insurance Decision
Replies: 5
Views: 741

Re: Help with Life Insurance Decision

I personally used Accuquote with no agent involved and everything went smoothly. I think 20 year term sounds right...although the insured amount may be a little high (I am a minimalist). I simply selected the lowest priced, highest rated policy (for me, 12 years ago, it was Prudential).
by yatesd
Thu May 25, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 2299

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

This is an edit. I responded to the OP but after seeing more I realize my original response was due to misunderstanding. I am for robust oversight of corporations to protect shareholder interests regarding their investments. It seems reasonable that if Exxon has assessed risk to specific pending re...
by yatesd
Thu May 25, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 10885

Re: Suits: best bang for your buck?

OK, I've always had mixed feelings about Jos A Banks...however, the main reason I buy from them is to avoid paying for a designer name and to ensure the same quality every time. For instance: - Jos A Bank Traveler shirts (100% cotton, wrinkle resistant, 3 different fits, longer shirts that don't get...
by yatesd
Thu May 25, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 2299

BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

The Wall Street Journal just published this article today. I'm not asking whether you agree or disagree on this political/scientific topic. Reading this article gave me some pause about how "Vanguard" can use "my money" to leverage votes on issues and topics that I may not support. This concept neve...
by yatesd
Mon May 22, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1435

Re: ebates experiences - no downsides, just extra $$$

I'll also vouch for ebates...have earned over $500 so far. Personally, I don't install the software (prefer the added privacy). I just login to http://www.ebates.com prior to making any online purchase and click through to place an order. I also like that they will often provide additional coupon co...
by yatesd
Fri May 19, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4191

Re: Rice Cooker

I've never used a rice cooker and am just wondering what is the difference versus making rice in a pot on the stovetop? I take one cup of rice and two cups of water, bring to boil, cover and cook for 20 minutes. Don't stir or open the lid. It's easy and comes out perfectly and everyone loves it. Is...
by yatesd
Thu May 18, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 6110

Re: Tipping at All Inclusive Resort?

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...
by yatesd
Thu May 18, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3406

Re: title of my home in my name but I'm remarried

Not a lawyer. Yet another reason to not get married. I also read that getting married invalidates a will unless the will was made with the marriage in mind. These really seem like terrible laws . Yes, really terrible, imagine entering into a legal contract agreeing to combine and become one, only t...
by yatesd
Mon May 15, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 6110

Re: Tipping at All Inclusive Resort?

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...
by yatesd
Sat May 06, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1592

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

Congratulations on your first house purchase! I think it is hard to compare prices without itemizing out each fee. Ideally, this would also be from the same State, in the same year, for about the same price. The application fee seems high, but not sure if they shifted the fees from the rate. Also, o...
by yatesd
Sun Apr 16, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 24
Views: 2591

Re: Budget multitool knife

I recommend Leatherman. Well made, by a US company. http://www.leatherman.com/leatherman-difference.html I own two versions. - An expensive large multi-tool that I rarely use, but keep in the car for emergencies. - A leatherman micra, that can be easily carried with you everywhere (except an airport...
by yatesd
Sun Apr 16, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 452

Re: What printer to buy for small bussiness

I'll also add. Productivity can vary...in most cases, inkjets will tout speed "up to" 30ppm. Also inkjet paper is usually more expensive. Laser MFP's usually provide their best quality at full rated speed. I know this industry well. Service is the most important component. Also, scan capabilities ca...
by yatesd
Sun Apr 16, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 452

Re: What printer to buy for small bussiness

I estimate you are printing about 2,000 color pages per month. Focus on total costs (productivity, initial purchase, and per page). IMHO, your volume justifies a small business laser product. Some of these include finishing capabilities (staple, hole punch). Most small businesses lease their machine...
by yatesd
Sat Apr 15, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 16424

Re: Do you have an umbrella policy?

I bought my first umbrella policy about 3-years ago. I just got $1M and believe it costs around $155 a year. I have homeowners and car insurance with the same company. - Why did I get it? I didn't want someone to see a fancy car, or a fancy title, and sue me. Maryland seems like it would attract peo...
by yatesd
Fri Apr 14, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: 20yr fixed, 30yr fixed, or 7/1 ARM
Replies: 48
Views: 3768

Re: 20yr fixed, 30yr fixed, or 7/1 ARM

I'd also want to see how a 10/1 ARM rate compares to 7/1. I also agree that you should choose an ARM that only changes a maximum of 2% a year. Stay away from a 5% initial change (never heard of that one)! 7/1- worse case rates go up 2% @ year 8, and 4% @ year 9. 10/1- worse case rates go up 2% @ yea...
by yatesd
Thu Apr 06, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 9755

Re: Spending beyond my means, I think..is my budget out of whack?

No way would I be encouraging your wife to work full time...especially in your circumstances. Heck, I only have one child, and my wife is a stay at home mom. She is always doing something (at home, school functions, homework help, volunteering, coordinating family efforts, etc.). Only now is she doi...
by yatesd
Wed Apr 05, 2017 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1603

Re: Closing on 5/1, weighing points

Also factor the impact of paying an extra payment each year. Are you potentially going to pay down early?

Personally, not that great at math, so I'll focus on emphasizing the variables that have prevented me from paying extra points.
by yatesd
Tue Apr 04, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 17877

Lincoln Continental

I have not tried them, but supposedly the Lincoln Continental has nice seats.

http://www.autonews.com/article/2016110 ... s-seats%3F

Starts at $44K
http://www.lincoln.com/luxury-cars/continental/2017/
by yatesd
Tue Apr 04, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1603

Re: Closing on 5/1, weighing points

What if rates go back down in a few years? You will want to refinance. In this case, paying points doesn't make sense.

For this reason, I try to avoid paying points. Too many variables.
by yatesd
Mon Apr 03, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 8109

Re: Weird house buying experience

See above. Its not the $1k, its the question of are we going to be paying for their mistakes forward. Given your very strong belief that a $100 discrepancy (one option that costed $100 was included as part of another option we selected) is an indication that you will be "paying for their mista...
by yatesd
Fri Mar 24, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3878

Re: can't logon to vanguard account

Also down for me...
by yatesd
Sun Mar 19, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Home Country Preference vs Home Country Bias?
Replies: 3
Views: 572

Home Country Preference vs Home Country Bias?

I was reading Vanguard's white paper on Vanguard's approach to target date funds and they utilize a term called "home-country preference" to justify below market caps in both stocks and bonds. In this case, it seems to be referenced in a somewhat positive light, but within the forum I have...
by yatesd
Sun Mar 19, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 22
Views: 2072

Re: Review of tax software

I think many that have posted are confusing the different software versions. I used the software for trusts and estates only : TaxAct for Trusts and Estates H&R Block Premium & Business TurboTax Business OK, I did miss that the review was focused on this specific area. Adding to the title m...