Search found 987 matches

by teacher
Wed Jun 13, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 108996

Re: Anyone regret paying off mortgage early?

fcfa8 wrote:
during that period, I believe bond paid something like 10%?
To illustrate your point.....http://pages.stern.nyu.edu/~adamodar/Ne ... retSP.html
by teacher
Sun Jun 10, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8932

Re: Don't make the mistake I made (Telemarketing hell)

One solar company offering free, government sponsored, solar hookup called so many times, I started counting the calls.....nearly 50 from multiple numbers. So now, unless I recognize the number, I don't answer the phone. I figure, if it's important, they will leave a message.
by teacher
Sun Jun 10, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18260

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

California has a "Middle Class Scholarship". The Middle Class Scholarship (MCS) provides undergraduate students, including students pursuing a teaching credential, with family incomes and assets up to $171,000 a scholarship to attend University of California (UC) or California State University (CSU)...
by teacher
Sat Jun 09, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2039

Re: Sacramento Home Owners - House Areas/Questions

Everything mentioned by posters rings true to me. I can only add something my father pointed out to us when we first moved to Carmichael from Wichita. Most summer nights, the Delta Breeze cools everything down, and if you have a whole house fan, you have Nature's AC. Once you get to the foothills, y...
by teacher
Sat May 26, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5914

Re: Florida Living

Probably the least important of of your criterion, but here are the Whole Foods locations in Florida: https://www.google.com/search?client=safari&rls=en&q=whole+foods+locations+in+florida&npsic=0&rflfq=1&rlha=0&rllag=32346565,-100807827,2031380&tbm=lcl&ved=0ahUKEwiJvYWqkqTbAhVCNH0KHRdCBAkQtgMIOw&tbs...
by teacher
Fri May 18, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9734

Re: Solar panels

We would have solar panels installed in a heartbeat if it weren't for several Canary Island Pines we planted 35 years ago shading a large portion of our roof. Even though they are lush, and they cool the house naturally on summer days, our decision to plant them precludes taking advantage of much lo...
by teacher
Thu May 17, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1737

Re: Roof TV Antenna Recommendation Needed

I shared this thread with DH since finding an antenna replacement is really his bailiwick. He found several ideas and recommendations most helpful. He said after reading the thread, it seems all reasonable roads lead to a mid range YAGI arial close to the size we had. Channel master and Wineard seem...
by teacher
Wed May 16, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1737

Re: Roof TV Antenna Recommendation Needed

5th_Dimension wrote: ….you already have the information you need because you had an antenna that worked. Look for an antenna that is approximately the same size and configuration to the one that fell down. The science behind antennas hasn't changed much, so don't be fooled by promises of being able ...
by teacher
Wed May 16, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1737

Re: Roof TV Antenna Recommendation Needed

oldcomputerguy wrote: Are you actually 100 miles from the transmitting towers? If so, I'm surprised you were able to get anything at all. At the station where I worked, we considered 75-80 miles to be marginal. We are actually about 65-70 miles from the furthest tower with good transmission, but DH ...
by teacher
Wed May 16, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1737

Roof TV Antenna Recommendation Needed

We don’t have cable or dish; OTA broadcast is sufficient for us. But, a 22 mph breeze brought down our 38 year old Sears roof antenna recently, and we are looking for a replacement that can handle 4K, Hi-VHF, UHF TV and Sirius XM Satellite Radio reception with a range close to 100 miles. Surprisingl...
by teacher
Sat May 12, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55624

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thanks CULater. I hope this thread continues until there is a definitive correction, as DH is hoping to buy another CR-V EX or EX-L next year. We have had CRVs since their inception.
by teacher
Sat May 12, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55624

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Do we know what year the oil-gas dilution issue reared it's ugly head? I have a 2012 CR-V EX with about 60,000 miles on it.
by teacher
Sun May 06, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55624

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

We are considering buying another CR-V next year, our fourth. This thread is very concerning and full of useful information, so I am posting to be alerted when new posts are added.
by teacher
Wed May 02, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2766

Re: 401k Stable Value Fund Rates?

I am surprised to see Stable Value yields as high as reported on this thread. Here's ours, a 401(k) AT&T SV fund through Fidelity:
0.78% YTD
2.32% 1 Yr
2.36% 3 Yrs
2.31% 5 Yrs
2.98% 10 Yrs
The ER is .31%
I can say this for it....It's been pretty stable since we got into the fund in 2014.
by teacher
Mon Apr 30, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11710

Re: Larry Swedroe: Financial Perils Of Old Age

A year after my dad died, my mom, a retired RN in her mid 60’s, bought a two bedroom home in a new development a couple blocks from our house. Close proximity allowed active involvement with family and her church. Mom lived in her home until the age of 92 when her health declined and she could no lo...
by teacher
Thu Apr 26, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10169

Re: How did you tell the boss you're leaving/retiring?

My retirement crept up on me. I still loved my job teaching, but my mother's declining health and the birth of my first grandchild were factors that finally influenced my decision, in late May, to retire. I had three bosses; the most immediate had the least involvement and interest in my program, so...
by teacher
Tue Jan 09, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11576

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2424
First year I have been pessimistic. I hope I'm wrong, but what goes up must come down.
by teacher
Mon Jan 08, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 801

Re: Zacks Investment Research vs Morningstar

Thank you. I was introduced to M* on this board and use it to get background data on our funds. We are staying the course, but we all have biases we like confirmed. :happy
by teacher
Mon Jan 08, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Best online calculator(s) for state income taxes?
Replies: 9
Views: 1307

Re: Best online calculator(s) for state income taxes?

I don't know if it is the "best" but for a ballpark figure, I have used this:
https://smartasset.com/retirement/retirement-taxes
by teacher
Mon Jan 08, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 801

Zacks Investment Research vs Morningstar

Hopefully, this isn't a stupid question. After reading this article that encourages skipping (VGHAX) for other health care sector funds (not mentioned), I doubt the veracity of "Zacks Investment Research", because Moringstar states, "Vanguard Health Care continues to shine as one of the industry's b...
by teacher
Fri Jan 05, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

Lynetter wrote:
QCDs can only be taken from IRAs and not 401K.
Well, that squashes that idea. I plan to do my last ROTH conversion with the last bit of my tIRA this year. I wonder why 401ks don't qualify for QUDs. A Medicare IRMAA reduction would be most appreciated.
by teacher
Thu Jan 04, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

I appreciate these added details very much. It's the kind of background information I need. Even though I will use Fidelity's calculations, etc., I feel I can double check the withdrawal amounts independently, now. I'm so glad I posted this thread.
by teacher
Thu Jan 04, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

vested,

Would you trust the accuracy of this RMD calculator from Investor.gov?

https://www.investor.gov/additional-res ... calculator
by teacher
Thu Jan 04, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

QCDs are a good idea. It's time I look into using them. Thanks for the reminder and the link.
by teacher
Wed Jan 03, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

ralph124cf I will definitely do this, and thank you for the specific instructions. I greatly appreciate it. celia In casual conversation, DH and I say, we "pay" RMDs but we know it's actually a forced withdrawal from the tax-deferred account which triggers a taxable event, 2.6% of the deferred mone...
by teacher
Wed Jan 03, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

Thanks !!!
by teacher
Wed Jan 03, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

It's likely I may have misunderstood. The tax preparer set up a meeting this month during busy tax season about DH's RMDs exclusively, so I thought February 2018 was the deadline since he turns 70.5 then. But now, after doing a little research, I realize his RMDs are not due until April 1st of 2019,...
by teacher
Wed Jan 03, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

Thanks for the heads up, Gill. I will question the timing when we meet with the tax preparer.

Also, I appreciate everyone's input.
by teacher
Tue Jan 02, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

DH turns 70.5 at the end of February this year. His birthday is in August. Our tax preparer thinks we would pay twice if he doesn't pay RMDs this February. Does that make sense?
by teacher
Tue Jan 02, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

Re: RMD First-Timer needs help

pshonore DH turned 70 in August 2017. We are trying to avoid paying two RMDs in one year. sometimesinvestor “Most likely you will want to pay the IRS out of a different source than your 401k as any payment of taxes coming out of your 401k will result in additional taxable income (everything coming ...
by teacher
Tue Jan 02, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2783

RMD First-Timer needs help

The day of reckoning is here. DH needs to pay his first RMD before the end of February. (His 401k is in Fidelity.) I have been using this calculator to get an idea what will need to be taken out of his 401k. RMD CALCULATOR–Investor.gov https://www.investor.gov/additional-resources/free-financial-pla...
by teacher
Sun Dec 31, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 633

Re: Long Term Care Premium Increase Decision

Phineas J. Whoopee wrote: I want the option to stay home with a health aid... That is our wish, also. We want to be prepared to be able to stay in our own home. We bought this policy due to it's unique flexibility. It allows family members to be compensated for providing assistance if it is deemed n...
by teacher
Sun Dec 31, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 633

Re: Long Term Care Premium Increase Decision

In our neck of the woods, the cost of long term care can reach six figures in one year....for each of us.

2017 Cost of Long Term Care By State
http://longtermcareinsurancepartner.com ... e-by-state
by teacher
Sun Dec 31, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 633

Long Term Care Premium Increase Decision

After 14 years of no Long Term Care premium increases, we finally got our letter requiring a 15% premium increase with a promise there will be more increases in future. If we don’t want to pay the increase, (knowing more are on the horizon) here are the options: •Reduce the benefit level to reflect ...
by teacher
Sun Dec 31, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 65
Views: 10118

Re: Do any of you follow Bob Brinker?

I listened to Bob Brinker in the car. He got me thinking about investing, particularly about creating a "critical mass".
by teacher
Sun Oct 08, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 75
Views: 44199

Re: Can't freeze credit at Experian?

Neither of us are on the list, but we decided to freeze our accounts, regardless. We successfully froze our accounts with the exception of my account at Experian. One of the questions to affirm identity asked if I had ever lived on a street which happens to be where my mother lived. I said, "no" as ...
by teacher
Sat Sep 23, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 884

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I decided to get another BP monitor and chose an Omron which is a digital unit, so it does not require a stethoscope. I can't get it calibrated on the weekend, but will do so Monday. This machine is reading much lower, in fact about 20 points lower, which reduces my anxiety about the whole blood pre...
by teacher
Sat Sep 23, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 884

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

Thanks for your response, livesoft. I took the first bp monitor to two different Kaiser locations, and results were very close. The reason accuracy is important is results of four readings a day for seven days is part of the decision whether there is a need for medication. Ten to twenty points highe...
by teacher
Sat Sep 23, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 884

BP monitor inaccurate–how to recalibrate? Or replace with which brand?

We bought a Microlife BP monitor, an arm cuff model, from Costco in February, and doc said to have it "calibrated". Apparently, "calibrated" only means to check to see if the home monitor is accurate, not actually adjust it for accuracy. The Microlife monitor was 20+ points higher than the BP monito...
by teacher
Sun Sep 17, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: identity verification with Equifax?
Replies: 6
Views: 860

Re: identity verification with Equifax?

When I froze Equifax, they only asked for the last six numbers of the Social Security number.
by teacher
Sun Aug 13, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18103

Re: What Percentage CASH are you?

self talk wrote: 10% per Warren Buffett`s thinking. I wasn't aware Warren Buffett has instructed the trustee of his wife’s inheritance to put 90% of her money into a very low-fee stock index fund and 10% into short-term government bonds until I googled it after reading your comment. Does a 90/10 ass...
by teacher
Sat Aug 12, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 12411

Re: Anyone moved to another state for lower cost of living?

We live in NorCal, smack-dab between Tahoe and San Francisco, a couple hours either way. We take advantage of overnight, or even just day trips to the Pacific coast, the Sierra Mountains or Lake Tahoe on a whim. We also take advantage of everything SF and enjoy Napa a couple times a year. As someone...
by teacher
Thu Aug 10, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18103

Re: What Percentage CASH are you?

We have 10% in a MM, but much of it is earmarked savings for insurance and taxes, and savings for repairs for house and car replacements, and for new appliances, carpet, roof, etc. These funds are not part of our Asset Allocation. We are both retired with one pension and one social security benefit.
by teacher
Wed Aug 09, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 955

Re: Remodel or move?

We took the remodel route. We thought we were missing out on what new homes have to offer, but after months of looking at new houses, we came to appreciate our house more. We like the unique floor plan, our mature trees (minus the squirrels) and easy access to shopping, and of course the very low pr...
by teacher
Sun Jul 30, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 5607

Re: Wooden flooring in kitchen

We chose walnut engineered wood in the kitchen rather than tile because wood is so much easier on my feet than tile. DH wanted tile, but my bad feet were the deciding factor. The walnut is a nice contrast with our cherry cabinets we had installed the same time as the floor, and the cabinet maker mad...
by teacher
Thu Jul 27, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 13084

Re: Is it still worth buying a house in a state with insane property taxes

e5116 wrote: ....don't even talk to me about California from a cost perspective... California's property tax structure is preferable for those who stay in their homes long term, in my opinion. Since 1979, property is taxed at 1% of assessed value, and it restricts increases in assessed value to 2% p...
by teacher
Thu Jul 27, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 13084

Re: Is it still worth buying a house in a state with insane property taxes

Landlords have to pay property taxes on rentals, so I would think the cost of "insane property taxes" is baked into the rent.
by teacher
Thu Jul 27, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 32301

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

thirdman wrote: My sister who had a Flagship account thru me had less than the one million minimum. When she "upgraded" she found out she was no longer a Flagship client. Furthermore, her Prime Money Market Fund which had less than the $3000 minimum was converted to a Federal Money Market Fund, payi...
by teacher
Thu Jul 27, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 22410

Re: How are folks handling the unprecedented rise in the market ?

We have about 10% of the value of our portfolio in a money market in our credit union. Those funds help us "Stay the Course" because they are not part of our asset allocation. The market does not tell us when to buy or sell. If, no, WHEN there is another recession, we will hang on tight as usual.
by teacher
Wed Jun 14, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 3572

Re: Deck replacement- Composite material recommendations

After putting in a new deck several years ago, if I had to do over, I would look into Brazilian wood instead of redwood. I have seen it once at our neighbors, and even though it was put in around the same time as ours, it looked brand new. Ours has lost all the beauty of a new redwood deck. Apparent...