Search found 1276 matches

by neilpilot
Sat Jan 20, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 783
Views: 132145

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

ME first told me (as I said above) that they cannot transfer any Admirals, then someone got back to me and said they could transfer the ones I held. neilpilot, what Admirals did you try to transfer ? I wonder if it's the ones that are convertible to ETFs that ME refuses to transfer (on the grounds ...
by neilpilot
Sat Jan 20, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

If you are a single female, you are somewhat shortchanged by early SS since the tables SSA uses are unisex and females, on average, live longer. Since a single female gets the same monthly benefit as a single male of same age and SS payments in, & on average females live longer, they are not gettin...
by neilpilot
Thu Jan 18, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2013

Re: Premium gas at BJ's for Mercedes

I certainly agree with the effect of condensation on the gas. Would it not be beneficial to use an additive to the gas periodically to counteract this? Why then does MB not recommend this additive? I know they have additives to buy in the parts dept. If I continue to use BJ's gas, is it not advisab...
by neilpilot
Thu Jan 18, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and Schwab
Replies: 3
Views: 305

Re: Scottrade and Schwab

Scottrade will soon be TDAmeritrade, so I'd expect change from whatever today allows. TDA recently banished all Vanguard ETFs from their ntf platform. For a fee, they can still be used. I'd expect them to do the same with funds/etfs from Schwab. Have you considered moving to Schwab to avoid issues ...
by neilpilot
Thu Jan 18, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2013

Re: Premium gas at BJ's for Mercedes

If you do not know the actual code of the check engine light, it just means that you donated your hard earned money to the repair shop. I can't believe any intelligent person would talk about check engine light without knowing the actual code behind it. This first service (which the rep told us wou...
by neilpilot
Thu Jan 18, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

Somebody said that was stopped as of May 1, 2016 ? Or was that completely different thing ?? If by "this" you mean my post about a "voluntary suspension", could you be confusing that with "file and suspend". Those are entirely different strategies. Someone please correct me if I'm wrong about this.
by neilpilot
Thu Jan 18, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

One of the best thing about this decision to delay is that it is NOT irrevocable. You get to change your mind anytime. On the other hand, the decision NOT to delay IS irrevocable. Actually, the decision to NOT delay is partially revocable. Once you reach FRA, I believe you can stop Social Security ...
by neilpilot
Thu Jan 18, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 32
Views: 5219

Re: dryer vent cleaning--your thoughts?

Our dryer was not operating well. We got a guy to come in. The vent was fine, but he took off the front of the dryer, and there was mucho crap inside. Once he cleaned it out, the dryer worked fine. Watching him do it, I learned that I could have easily done it myself. Slapshot makes a very good poi...
by neilpilot
Thu Jan 18, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2013

Re: Premium gas at BJ's for Mercedes

The amount of dissolved water in gasoline is typically a function of two variables, the temperature of the liquid and the concentration of ethanol in the gas. Disregarding temperature, which would typically be the same for any branded gas, then the question is % ethanol. Where I live, unless you buy...
by neilpilot
Thu Jan 18, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2013

Re: Premium gas at BJ's for Mercedes

I have no experience, except to say that BJ's isn't a TopTier supplier. However, there are many reasons not related to gas quality that could result in illuminating the check engine light. Did the dealer give you the error code(s) that triggered the light? Other than a simple reset, what was done to...
by neilpilot
Wed Jan 17, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 21826

Re: Do you have an umbrella policy?

I will confess, I should have one but don't. I got a quote a while ago and it was pretty high I thought (maybe $350 for $1M). I haven't been with my insurance company that long so I really don't want to change. Maybe I will put it all out to quote again. The fact that I haven't gotten the umbrella ...
by neilpilot
Wed Jan 17, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3913

Re: Umbrella Policy - 1M or 2M

If you have some assets tied up in retirement vehicles (IRA; 401k) some jurisdictions protect these assets from liability lawsuits I believe the protection is limited to ERISA accounts, such as 401k & HSA. I believe non-ERISA account like a tIRA and Roth are not protected. I'm not sure this applies...
by neilpilot
Wed Jan 17, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 21826

Re: Do you have an umbrella policy?

I will confess, I should have one but don't. I got a quote a while ago and it was pretty high I thought (maybe $350 for $1M). I haven't been with my insurance company that long so I really don't want to change. Maybe I will put it all out to quote again. The fact that I haven't gotten the umbrella ...
by neilpilot
Wed Jan 17, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1627

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

We know where we'd depart the US from and where we'd depart back from Europe. Be careful that this doesn't lock you into missing the best fares. As an example, we last flew to Europe in April 2017. Our destination was somewhat obscure (Menorca) so that required 3-4 flights one way from Memphis, wit...
by neilpilot
Wed Jan 17, 2018 4:29 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23399

Re: What frugal thing did you do today?

I do not own and do not desire a landline phone. My cell phone service (unlimited voice & text only) costs $2.47/month, probably more frugal than a land line. May I ask what carrier you are with and what plan you have? XFINITY mobile, and you need to be a Comcast internet customer. The plan is esse...
by neilpilot
Tue Jan 16, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Suggestion Needed!
Replies: 5
Views: 216

Re: Investment Suggestion Needed!

Yes I plan to take the pension as a lump sum and invest. Sounds like I should sit tight right now. Will certainly continue reading and learning all I can! Thank you. While I have no idea what pension options you have, if you compare what that lump sum will buy as an annuity you might discover that ...
by neilpilot
Tue Jan 16, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

What I do not understand is why they allow file and suspend.They are running out of money but they choose to give free money to probably mostly wealthier people who use it for play money. File and Suspend went away May 1st 2016. You maybe thinking of restricting your application to spousal benefits...
by neilpilot
Tue Jan 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 47
Views: 4156

Re: A "Home" cell phone?

Third was set up for buying a car a few years ago - might have been recycled now for lack of use. I knew internet shopping 40 dealers was going to generate calls forever, so I got a throwaway GV number and stopped checking it after I bought the truck. When I internet shopped for a new car recently,...
by neilpilot
Mon Jan 15, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3913

Re: Umbrella Policy - 1M or 2M

I had this question a few years ago and called my insurance company (USAA) to find out the additional cost. They showed me that, by increasing the liability coverage on the underlying policies (auto, homeowner, etc.) to $1m each and retaining the $1m umbrella, I could have the same result - $2m of ...
by neilpilot
Mon Jan 15, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

Article this past week somewhere, Whether one takes early or late SS, the money received is nearly the same, IF one lives to the actuarial age. If you live longer than that you are ahead with delayed SS. If you live less than, you are better off taking early SS. One of my favorite pass-times on Sun...
by neilpilot
Mon Jan 15, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3913

Re: Umbrella Policy - 1M or 2M

Currently I have 1M umbrella policy. I pay $390 per year. Insurance agent quoted $610 for $2m policy. Should I upgrade my policy? Is there any additional advantage of having 1M vs 2M policy? - We will have a new teen driver this year. - Net Assets crossed 2M this year. Thanks, Tom I certainly hope ...
by neilpilot
Mon Jan 15, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1504

Re: FlipPhone

Does anyone has filpPhone in this group. I am getting sick and tired of expensive iPhones. I wanted to know how much is the monthly plan. Currently I have with local carrier named H2O Wireless and pay $36 per month. Their cheapest plan is $25. Its $11 savings per month but I wanted to check if I ca...
by neilpilot
Mon Jan 15, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Quotes
Replies: 3
Views: 216

Re: Insurance Quotes

The suggestion of an independent broker is good. However, my experience is that they can quote many, but not all, companies. When I shopped in 2015, I used an independent but ended up with Geico for auto & umbrella (not home), and they were by far less $ than what the independent quoted.
by neilpilot
Mon Jan 15, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 47
Views: 4156

Re: A "Home" cell phone?

If you really want a dedicated "Home phone" then why not VOIP? Likely even less expensive than a cell phone in most mobile plans. OTOH I could add a mobile phone to my XFINITY plan for under $3/mo, so long as it isn't used for data.
by neilpilot
Mon Jan 15, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6380

Re: Hot Water Delay at faucet/shower far from water heater

It starts at the tank, runs through the house and returns back to the tank. In normal case, there is no return back to the hot water tank. The cold water enters the tank directly from supply and hot water pipe eventually ends at the farthest tap. As I think has already been discussed, a common circ...
by neilpilot
Mon Jan 15, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 169
Views: 10991

Re: Stats on When People Take Social Security

Article this past week somewhere, Whether one takes early or late SS, the money received is nearly the same, IF one lives to the actuarial age. If you live longer than that you are ahead with delayed SS. If you live less than, you are better off taking early SS. One of my favorite pass-times on Sun...
by neilpilot
Sun Jan 14, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23399

Re: What frugal thing did you do today?

Boogieknight wrote:
Sun Jan 14, 2018 9:46 pm
"Higher octane fuel does nothing for your vehicle...."

That's what they say, but it's my baby, the difference was only 35 cents/gallon and I only needed 10 gallons. So like I said I splurge now and then on a half tank. So there!
Wasting $3.50 is anti-frugal
by neilpilot
Sun Jan 14, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4551

Re: Merrill Edge best choice for higher net worth accounts?

another vote for fidelity or vanguard. They pay more for funds waiting to be invested. Bank america reward money market pays .07% interest for platinum. think 0.14% for merill sweep?? Vanguard and Fidelity pay alot more, around 1%. I opened my ME account with a $1k signing bonus in late Dec 2017. T...
by neilpilot
Sun Jan 14, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6380

Re: Hot Water Delay at faucet/shower far from water heater

Water from your circulation loop is potable water. Where do you get the idea that it's non-potable? The potability of hot water is debatable. It is at least a function of the details of the house's plumbing. There are certainly places you should not drink from the hot water supply. If the house is ...
by neilpilot
Sun Jan 14, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6380

Re: Hot Water Delay at faucet/shower far from water heater

This is a preferred solution. But the biggest potential problem is that the hot water is being pumped back to the water heater via the cold water lines. This non-potable water would appear to re-enter the refrigerator drinking water . Please see the diagram: https://dsplumbing.ca/drains-sewers/home...
by neilpilot
Fri Jan 12, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 44
Views: 5327

Re: 0W-20 Synthetic Motor Oil

ClevrChico wrote:
Fri Jan 12, 2018 1:59 pm
Wal-Mart's SuperTech brand has excellent ratings. It would be hard to beat it on price, and free two day shipping to your door is convenient.
But I don't think it's available in 0W-20 synthetic
by neilpilot
Fri Jan 12, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 783
Views: 132145

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

1. Merrill Edge allows for each individual to get multiple bonuses (e.g., one for the brokerage account, one for a Roth IRA). Does the TD Ameritrade offer also allow multiple bonuses for multiple accounts? This may not be useful information, but back when we opened 5 Scottrade accounts in 3Q2015 we...
by neilpilot
Thu Jan 11, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Basic (Dumb) Vanguard Question
Replies: 17
Views: 1248

Re: Basic (Dumb) Vanguard Question

While all of my investments are in Vanguard mutuals and ETFs, I don't use Vanguard so can't help you navigate a purchase on their site. However, you do realize that a significant percentage of a Target Retirement Date fund is i equity. As an example, 43% of the 2030 Target Date fund is in VG's Total...
by neilpilot
Thu Jan 11, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3149

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

Just because one can use the Schwab and Fidelity web interface to invest in some of their low cost index based funds does not mean they are discount brokerages. It just means they offer a sampling of low cost investments in order to attract a different type of investor (so they can more easily sell...
by neilpilot
Thu Jan 11, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Basic (Dumb) Vanguard Question
Replies: 17
Views: 1248

Re: Basic (Dumb) Vanguard Question

It seems odd that one of the 3 funds is Target Retirement Date. Why not consider investing all of your Roth in this fund, and then select the target date based on the degree of risk you prefer. You could select your appropriate date of retirement, or move that date up or down if you prefer to incre...
by neilpilot
Thu Jan 11, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Basic (Dumb) Vanguard Question
Replies: 17
Views: 1248

Re: Basic (Dumb) Vanguard Question

I'm completely new to investing and recently spoke to a financial adviser who is a friend of a friend. Super nice guy who gave me his time for free and suggested a Roth IRA split into two or three funds: Vanguard Target Retirement Date Fund Vanguard 500 Index Fund Investor Share Vanguard Wellington...
by neilpilot
Thu Jan 11, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax issues
Replies: 14
Views: 1177

Re: Equifax issues

I just received a letter from Equifax today, that isn't relevant to your issue but might give you an idea of their competency. I placed a security freeze with them last year. Today I received a letter from them that states that a new address XXX was posted to my file in the last 30 days. They write ...
by neilpilot
Thu Jan 11, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 21826

Re: Do you have an umbrella policy?

I've been interested in an Umbrella Policy but we don't own a house yet. Is it worth getting one if you don't own a home? We have auto insurance but that's about it. You are probably more at risk of exceeding your liability insurance limits in your car than at home. Also, one aspect that's often ov...
by neilpilot
Thu Jan 11, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 17
Views: 1623

Re: Merrill Edge - Platinum Honors

I just transferred partial assets into 2 new ME accounts, keeping the rest at Scottrade. I definitely plan to consolidate to one firm, and expect to make that decision around mid-year. I'll base the decision on how I view working with ME in comparison to TDA. Scottrade account should all migrate to ...
by neilpilot
Thu Jan 11, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2910

Re: Best Sources to Buy Prescriptions Out of Pocket

I have used GoodRx once :happy. Saved over $60 on a $124 prescription. Of course your results may vary. In my case, for generic Actonel, in 2017 using Part D coverage I was paying about $2/mo. With the 2018 formulary, using Part D it would have cost me $94/mo. Based on that increase, I checked Good...
by neilpilot
Thu Jan 11, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4823

Re: Car accident - was directed to sign release

I guess it's a matter of opinion. I consider a $1000 rear end damage a minor crash. "NHTSA recommends that child safety seats and boosters be replaced following a moderate or severe crash in order to ensure a continued high level of crash protection for child passengers. NHTSA recommends that child...
by neilpilot
Thu Jan 11, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4823

Re: Car accident - was directed to sign release

Seems like there's a tendency here to milk the insurance company for the maximum payout, irrespective of actual damages. In addition to a new car seat, maybe you should have them replace all of your seat belts? Most auto manufacturers suggest that the seat belts be replaced in all occupied seating ...
by neilpilot
Thu Jan 11, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2720

Re: Trying to help acquaintence - medicare costs

Perhaps she has a Medicare Advantage Plan through the state teachers retirement system. She would still have to pay the Part B premium, and the pension deduction would pay for the advantage plan. Incorrect. A Part C plan, aka Medicare Advantage Plan, REPLACES Medicare Parts A & B, and sometimes als...
by neilpilot
Thu Jan 11, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4823

Re: Car accident - was directed to sign release

Seems like there's a tendency here to milk the insurance company for the maximum payout, irrespective of actual damages. In addition to a new car seat, maybe you should have them replace all of your seat belts? Most auto manufacturers suggest that the seat belts be replaced in all occupied seating p...
by neilpilot
Thu Jan 11, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4823

Re: Car accident - was directed to sign release

Why would you assume the car seat needs to be replaced? Was it damaged? Car seats typically sell for $50 to $100, so .... unclear on your basis for that claim. You can google car seat accident and see that it's common to replace them when a car has been in an accident. I'm not sure where you pick u...
by neilpilot
Thu Jan 11, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4823

Re: Car accident - was directed to sign release

Why would you assume the car seat needs to be replaced? Was it damaged? Car seats typically sell for $50 to $100, so .... unclear on your basis for that claim. Was the frame or structure of the car damaged? Was the repair not good enough, and the car so high value, and you were planning on selling ...
by neilpilot
Thu Jan 11, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis of periodic pension payments
Replies: 9
Views: 242

Re: Cost basis of periodic pension payments

You cannot claim a "loss" for accepting a reduced payment. In fact, you will pay additional tax on those early pension payments since you started early. Of course, the tax on each payment will be on that reduced amount. When I decided to retire early, I had the the option of delaying the start of my...
by neilpilot
Thu Jan 11, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2720

Re: Trying to help acquaintence - medicare costs

My employers after Medicare supplemental policy (which includes drugs) costs me $550/mo. for two people. I also have to pay Medicare normal rates, but no Part D charges. If this is a supplemental policy that includes drugs, then it does not seem out of line. Ralph Thanks for the feedback. Yes, your...
by neilpilot
Thu Jan 11, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2720

Re: Trying to help acquaintence - medicare costs

post deleted (information incorrect)
by neilpilot
Thu Jan 11, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2720

Re: Trying to help acquaintence - medicare costs

Paying $456 sound like a lot. But unless you post what that $322 is buying her, any further discussion here will likely border on idle speculation.