Search found 2663 matches

by fortfun
Fri May 22, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Should my travel insurance cover this?
Replies: 5
Views: 338

Re: Should my travel insurance cover this?

Thanks Climber. If they are grounding until 2021, why wouldn't they already cancel the flights? To give twitchy, impatient people plenty of time to proactively call and cancel. It’s in the airline’s best interest to hand out as many travel vouchers as possible so they can keep your cash. Thanks Cli...
by fortfun
Fri May 22, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Should my travel insurance cover this?
Replies: 5
Views: 338

Re: Should my travel insurance cover this?

2. Hope the air line cancels the flights and gives me a refund on my credit card. Don't know the odds of this happening. This would be the best option. You shouldn't have to hope for anything if they already announced plans to keep planes on the ground. You may have to wait until mid June before th...
by fortfun
Fri May 22, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Should my travel insurance cover this?
Replies: 5
Views: 338

Should my travel insurance cover this?

We have flights on Norwegian leaving the end of June and returning the end of July (London). I was just reading that Norwegian plans to keep its planes grounded until April 2021. https://aeronauticsonline.com/norwegian-to-remain-grounded-until-2021/ Would this be a typical reason that travel insuran...
by fortfun
Wed May 20, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Strategy - Minimizing Costs and When to File Claim?
Replies: 3
Views: 261

Re: Home Insurance Strategy - Minimizing Costs and When to File Claim?

I'm also in Colorado and have had my shingles replaced twice in the last 15 years due to hail. For that reason, I keep my deductible lowish (1.5k). The other common claim area is water damage due to broken pipes/leaks. My biggest recommendation is to shop around EVERY year. I've switched insurance a...
by fortfun
Thu May 14, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7916

Re: Ally lowers APR on savings from 1.5% to 1.25%

I was lucky to lock in on 2, 1.9% no penalty CDs, with a 1% bonus on money from Simple Bank. When the 11 months expire, I'll keep my eyes open for other bank bonuses.

I'll continue to use Ally for day to day banking because I believe their phone app is the best I've used.
by fortfun
Wed May 13, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 7606

Re: Should you include home equity in Net Worth?

If you are willing to sell your home at retirement, why not?
by fortfun
Wed May 13, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3433

Re: Companies that have a pension and 401k?

My school district does :)

A pension, 401k, 403b, and 457!

Teaching doesn't pay great but I will retire at 50 with a good income. Did I mention summers off :)
by fortfun
Wed May 13, 2020 10:22 am
Forum: Personal Investments
Topic: Cash out refi to invest 100k
Replies: 30
Views: 2198

Re: Cash out refi to invest 100k

Market is only down a little over 10%. Not much of a sale at the moment. Maybe a bigger sale coming, who knows. If you can get a no cost re-fi, and a lower interest rate, I suppose you could make the money available and just make additional payments with that money. Of course, you would need to be v...
by fortfun
Tue May 12, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13126

Re: Is Disney the most tempting value stock?

Never liked Disney, felt it was over-hyped, overcrowded, bad food, long lines, poor treatment of employees and environment. We tolerate many business with the excuse that they create jobs and are good for the economy. Perhaps we don't need Disney and the economy could survive without these big boxe...
by fortfun
Sun May 10, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

I just heard that Greece is open for vacationers this summer. Tempting, but I'm sure we will stick around here...
by fortfun
Sun May 03, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: HVAC Experts
Replies: 13
Views: 1761

Re: HVAC Experts

Going to put a new HVAC system in our 2800 square foot townhome in Nebraska (think below zero in winter, and over 100° in summer with high humidity). Two floors. No basement. Gas heat. Can you provide any guidance on the unit we should be searching for ? If you have poor duct work, there's not much...
by fortfun
Sat May 02, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Glue for lucite plastic to metal
Replies: 7
Views: 663

Re: Glue for lucite plastic to metal

2 part epoxies, that you must mix, will usually work on plastic with metal.
by fortfun
Thu Apr 30, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way & work uncertain, help me assess cash/liquidity
Replies: 21
Views: 1438

Re: Baby on the way & work uncertain, help me assess cash/liquidity

I'd keep 50k liquid with a family but I'm pretty conservative. Seems like you have a pretty good handle on your situation.
by fortfun
Fri Apr 24, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

Thanks CyclingDuo. I'm currently in a teacher support role that might be more vulnerable than a traditional teacher position. I'm very well versed in teaching online (that's my specialty) however I do not have a course load with students. It is possible that I could return to that role but it would...
by fortfun
Thu Apr 23, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4149

Re: Replacement for 4Runner

Sequoia?
by fortfun
Thu Apr 23, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12706

Re: Moving out of NYC due to pandemic

I don't blame you. I would consider the same for my family. Best of luck!
by fortfun
Thu Apr 23, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

OP, If you are serious in asking for actionable advice, please tell us what degree and/or skill that you have now? I am an engineer and I work from home. Many types of IT jobs can be done from home. KlangFool Thanks KlangFool. Half joking, half serious. I'd like to think this thing is going to have...
by fortfun
Thu Apr 23, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

Thanks for the suggestions everyone! I might begin exploring over the summer. I think my job will be safe but I'd like to have a backup plan just in case.
by fortfun
Wed Apr 22, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

I would guess there are a number of jobs in utilities right now that are pretty secure. Cell phones, waste collection, cable, electricity, water. They all have to keep their networks operational, the labor input required is only loosely related to demand (though I suspect demand for most of those t...
by fortfun
Wed Apr 22, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

whodidntante wrote:
Wed Apr 22, 2020 9:40 pm
If at all possible, get elected to a position with a large, permanent pension.
Repossess cars for a living.
Debt collector
Payday loans
Fast food
A guy who knows how to get things
Liquidator
I think I'll go for: A guy who knows how to get things. That would look awesome on a business card :)
by fortfun
Wed Apr 22, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

greg24 wrote:
Wed Apr 22, 2020 9:42 pm
Zoom first tier support.
Funny but true. I'll put in a resume :)
by fortfun
Wed Apr 22, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

MP123 wrote:
Wed Apr 22, 2020 9:35 pm
Astronaut?
Funny. I'm afraid of heights :)
by fortfun
Wed Apr 22, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

OP, If you are serious in asking for actionable advice, please tell us what degree and/or skill that you have now? I am an engineer and I work from home. Many types of IT jobs can be done from home. KlangFool Thanks KlangFool. Half joking, half serious. I'd like to think this thing is going to have...
by fortfun
Wed Apr 22, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

HEDGEFUNDIE wrote:
Wed Apr 22, 2020 9:20 pm
Undertaker / mortician
I thought the same thing. Probably too many regulatory things to accomplish easily. I'll have to investigate--although I don't think I'd enjoy that line of work :shock: :confused :oops: :?
by fortfun
Wed Apr 22, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Best Covid19 resistant job

If things get worse than they are now, what are the best Covid19 resistant jobs that one could prepare for in the next 6 to 12 months, that would not require an additional college degree. Even some seemingly safe fields (i.e. nursing) appear to be at some risk due to low demand now that everyone is ...
by fortfun
Wed Apr 22, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

Re: RV/Camper in Corona Virus Times

We would probably do mostly BLM camping. Besides gasing up and getting groceries once a week, we would have little or no contact with people/locals. You need to do some research. I watch a few 'nomads' on Youtube who are out West on BLM land right now. They been harassed/told to leave by various of...
by fortfun
Wed Apr 22, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

Re: RV/Camper in Corona Virus Times

Seems like plane travel, hotels, and eating in restaurants my not be prudent for the foreseeable future. RV/Camper travel might serve as a replacement for traditional vacations. Anyone else considering this? Determine where you expect to go with this RV/Camper first. And find out what rules they cu...
by fortfun
Wed Apr 22, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

Re: RV/Camper in Corona Virus Times

Right now, most places you might go in an RV are closed just like everything else. It might get better, but it also might not. The small feeder towns that service national parks and such don’t want you to bring your city germs to their towns. They don’t have the healthcare resources that exist in t...
by fortfun
Wed Apr 22, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

Re: RV/Camper in Corona Virus Times

Rent an RV first as needed to see if it is for you. Many turn into yard ornaments after the initial thrill and use wear off. j🌺 Thanks Sandtrap. We've been truck and tent camping for the last 26 years. So, I think we would be fine. Looking at something like a van or a very small pull behind. We are...
by fortfun
Tue Apr 21, 2020 10:32 pm
Forum: Personal Investments
Topic: Only option for 403b is a Metlife Var Annuity
Replies: 23
Views: 810

Re: Only option for 403b is a Metlife Var Annuity

You should encourage your sister to join the 403bwise Facebook page. Dan Otter, former teacher, runs the non-profit and has a TON of good information for teachers like your sister, including how to advocate for a better plan. Here's his blog:
https://403bwise.org/
by fortfun
Tue Apr 21, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10196

Re: Eating out after lock-down is lifted

I will start eating out again as soon as I can, reduced capacity or not, and I have no concerns about doing it. I am looking forward to it. Did you happen to see this? https://www.cnn.com/videos/health/2020/04/21/coronavirus-spread-restaurant-seating-sanjay-gupta-newday-vpx.cnn I was surprised by t...
by fortfun
Tue Apr 21, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

RV/Camper in Corona Virus Times

Seems like plane travel, hotels, and eating in restaurants my not be prudent for the foreseeable future. RV/Camper travel might serve as a replacement for traditional vacations. Anyone else considering this? Maybe I'll throw the next couple of years vacation money at an RV/camper. Already booked Eas...
by fortfun
Fri Apr 17, 2020 10:47 pm
Forum: Personal Consumer Issues
Topic: Type of Lawyer needed or advice
Replies: 29
Views: 2413

Re: Type of Lawyer needed or advice

The septic tank is probably a much bigger deal than the local zoning board. In my state, the state has very tight control on all septic tanks. I'm pretty sure someone from the state would come to investigate a rogue septic tank. Have you tried contacting these people: Whom Do I Contact For Applicati...
by fortfun
Fri Apr 17, 2020 10:25 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29403

Re: Deploying your emergency fund to buy stocks? Think again.

I've recently seen several posters mention that they are contemplating (or have already) using their emergency funds to buy stocks due to the market downturn. Though I am an aggressive investor, I think that this is a terrible idea. No one knows how long the current downturn will last. But it's not...
by fortfun
Fri Apr 17, 2020 10:14 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29403

Re: Deploying your emergency fund to buy stocks? Think again.

I've recently seen several posters mention that they are contemplating (or have already) using their emergency funds to buy stocks due to the market downturn. Though I am an aggressive investor, I think that this is a terrible idea. No one knows how long the current downturn will last. But it's not...
by fortfun
Tue Apr 14, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best site for financial literacy for HS seniors and adults?
Replies: 8
Views: 399

Re: Best site for financial literacy for HS seniors and adults?

smitty1515 wrote:
Tue Apr 14, 2020 3:37 pm
https://www.choosefifoundation.org/

I really like this site. My daughter is 8 and we’ve been doing a few lessons per week. All the information is free.

The podcast is excellent too. They’ve had Rick Ferri a few times in the past 2 weeks.
Thank you!
by fortfun
Tue Apr 14, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Best site for financial literacy for HS seniors and adults?
Replies: 8
Views: 399

Re: Best site for financial literacy for HS seniors and adults?

ejm009 wrote:
Tue Apr 14, 2020 12:57 pm
Sorry, moneychimp.com🙈
Thanks!
by fortfun
Tue Apr 14, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best site for financial literacy for HS seniors and adults?
Replies: 8
Views: 399

Best site for financial literacy for HS seniors and adults?

Hi Bogleheads, Besides this site, what other sites would you recommend for HS seniors, and other adults, to use for financial literacy? I'd prefer non-commercial sites that don't stand to gain anything from the end user. Not really looking for Dave Ramsey stuff, as he stands to gain too much from hi...
by fortfun
Thu Apr 09, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

I heard retail office space is going to become very cheap, as so many people have learned they can just work from home. Who knows though...
by fortfun
Thu Apr 09, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Any good will, trust, trustee, estate planning books out there?
Replies: 4
Views: 295

Re: Any good will, trust, trustee, estate planning books out there?

percy wrote:
Thu Apr 09, 2020 1:03 pm
American Bar Association's Guide to Wills and Estates is a good book. Also, useful books and other resources here: https://store.nolo.com/products/wills-trusts
Thanks Percy.
by fortfun
Thu Apr 09, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any good will, trust, trustee, estate planning books out there?
Replies: 4
Views: 295

Any good will, trust, trustee, estate planning books out there?

Can anyone recommend a good/simple, Boglehead like, will, trust, trustee, and estate planning book/guide? Basically, what you need to know, even if you plan to hire an attorney.
Thanks,
Ff
by fortfun
Thu Apr 09, 2020 12:32 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72458

Re: Bogleheads community discussion - Coronavirus

I don't consider MIGHT NOT fade, as WILL NOT. You have to go by facts. Warmer countries have mostly escaped this, just sort by number of cases or deaths and you will see. Also, we know that all known viral infections fade in summer, period. There should not be any reason to believe this one won't u...
by fortfun
Wed Apr 08, 2020 5:49 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72458

Re: Are commercial masks to be used by the general public yet?

Thanks for the conversation everyone but my REAL question is: Can the general public start buying commercial masks now? I thought the answer was "No", but this morning, people are reporting that there is no longer a shortage and the general public can begin buying commercial masks again. Just trying...
by fortfun
Wed Apr 08, 2020 5:24 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72458

Are commercial masks to be used by the general public yet?

[merged into the community discussion topic - moderator prudent] Someone on WaPo said that you should no longer make your own masks now. He said you should be buying commercially made masks instead (safer). He said it was okay for the public to use them now. He said there is no longer a shortage. I...
by fortfun
Tue Apr 07, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Europe Vacation, Corona, and Travel Insurance
Replies: 20
Views: 1574

Re: Europe Vacation, Corona, and Travel Insurance

I have cancelled most components of a self-booked 3-week trip to Ireland and Scotland for end-of-April to mid-May. For your airfare, I also recommend reading the current (and any future policy changes) from your airline if you didn't purchase a fully refundable ticket. As mentioned, they will proba...
by fortfun
Tue Apr 07, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Europe Vacation, Corona, and Travel Insurance
Replies: 20
Views: 1574

Re: Europe Vacation, Corona, and Travel Insurance

OP, until the virus burns out and there is a vaccine distributed, one should remain where medical treatment is feasible. No one will welcome a stranger drawing on scarce resources. We acted from February to cancel trips to Italy in April and Peru in June. We were pooh-poohed by vendors until things...
by fortfun
Fri Apr 03, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5809

Re: How are you exercising with gym closures

Biking, hiking, and walking. Luckily live near the foothills and have a very nice trail down the street from my house and can maintain 6' space.
by fortfun
Fri Apr 03, 2020 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Europe Vacation, Corona, and Travel Insurance
Replies: 20
Views: 1574

Re: Europe Vacation, Corona, and Travel Insurance

I'm not even sure if the travel insurance covers a pandemic. My understanding is that it does not unless you have one that let you cancel for any reason. https://www.aarp.org/travel/travel-tips/safety/info-2020/insurance-coronavirus-coverage.html When did you start the travel insurance. Even CFAR (...