Search found 847 matches

by mariezzz
Sat Oct 19, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 6452

Re: How often do you look at your IRA or 401K Balances

In an all-out effort to ignore the market noise and Stay the Course, I decided to take Jack Bogle's advice and not look at my account balances. I was pretty much looking at it daily which served no purpose except to get me excited when my balance was up and upset when my balance was down. I'm 55 an...
by mariezzz
Sat Oct 19, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6726

Re: Frustrated with dentist fees

It is just that other medical specialists , when they contract with insurance as ‘in network ‘ they benefit by getting more patients from that insurance company as they are ‘in Network’ In return , they agree to take the loss if insurance does not pay for a service . Before everybody jumps all over...
by mariezzz
Wed Oct 16, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6726

Re: Frustrated with dentist fees

I've self-insured for 20yrs. Most recently: --New patient exam, x-rays, and cleaning: ~$400 . (Old dentist closed office.) --Root canal and temporary crown: ~$1100 . (My last root canal was >20yrs ago.) --New crown: ~$1400 . (My last crown was >20yrs ago.) --Regular cleaning: ~ $150 . Interesting -...
by mariezzz
Wed Oct 16, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Open Windows and Shower- Smoke Detector
Replies: 9
Views: 1103

Re: Open Windows and Shower- Smoke Detector

I've had the same problem. UL has developed new smoke alarm standards to prevent nuisance alarms (mainly from cooking though it might help with humidity). All detectors with UL approval have to meet those standards by May 2020. There probably are some that already do but I'm not sure of the details....
by mariezzz
Wed Oct 16, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 4298

Re: I thought Pyrex glass food storage containers were supposed to be durable?

one of our Pyrex pieces chipped tonight, sending small slivers of glass across the sink and into my wife's finger. a little concerning as we use these daily to store food, bring our lunches to work, etc. i had thought they were quite a bit more durable than this. i have already contacted Pyrex to a...
by mariezzz
Wed Oct 16, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 7909

Re: car battery change or not? 2 year old battery

I'd drive until the battery dies on its own. I guess if you think it would be an extreme hardship for the battery to die, you might replace it, but for most people, a battery dying isn't going to be a hardship - just an inconvenience. I bought a 2000 used Corolla in 2008. Battery in it was a Panason...
by mariezzz
Wed Oct 16, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4945

Re: Good camera system to watch the babysitter

This is why it's difficult to find babysitters these days. As a parent, I'd never consent to my child babysitting someone else's kids unless I knew the family very well and had a commitment from them that there was no hidden video. It's not risking a child's privacy. If someone is going to put in hi...
by mariezzz
Wed Oct 09, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...
Replies: 28
Views: 4278

Re: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...

Even $20 bills can be counterfeited, so I'd buy one of those markers they have in stores for checking that they're valid. And note the person's license plate number, just in case.
by mariezzz
Wed Oct 09, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Savings ideas - retired with large separation payment
Replies: 9
Views: 1074

Re: Tax Savings ideas - retired with large separation payment

Congratulations on the retirement and separation pay! Assuming separation pay doesn't count as income for IRA purposes: You could always get a part-time job so you have enough income to contribute to a TIRA. Even better if they allow 401k contributions, preferably a big percentage of your pay check....
by mariezzz
Sun Oct 06, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15470

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

And the other issue is how does one account for an employer match to a 401(k)? It's part of your compensation and should be 'counted' as 'your' savings, which it is by any reckoning. True. That's probably correct, but you might save more if you don't include it in 'your' savings (since you never ha...
by mariezzz
Sun Oct 06, 2019 8:53 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15470

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

And the other issue is how does one account for an employer match to a 401(k)? It's part of your compensation and should be 'counted' as 'your' savings, which it is by any reckoning. That is one way to look at it. OTOH, I have personally known a lot of people, educated ones, Ph.D. scientists and en...
by mariezzz
Sun Oct 06, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 2143

Re: replacing Smoke Detectors (not just batteries)

Kenkat wrote:
Sun Oct 06, 2019 6:19 pm
RickBoglehead wrote:
Sun Oct 06, 2019 6:08 pm
New ones will alert at end of life.
This will occur at 3am.
Or maybe 4 am. But never during normal waking hours.
by mariezzz
Sun Oct 06, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 2143

Re: replacing Smoke Detectors (not just batteries)

UL is implementing new smoke detector standards that all products with its approval must comply with by May 29, 2020. https://www.ul.com/news/new-smoke-alarm-requirements-and-features-coming-soon I'm waiting to replace mine until I see products that are compliant. Since yours are pretty old, if you ...
by mariezzz
Sat Oct 05, 2019 11:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's "Bogle Site" gone, but most material available at johncbogle.com
Replies: 59
Views: 12805

Re: Vanguard's "Bogle Site" gone? Hopefully just a glitch.

It's not possible to find 12 pillars of wisdom using the search function at johncbogle.com The archive section goes back only to 2006. Good we have the link here. It's showing up as the top hit in google if you put "twelve pillars of wisdom" in the search. Glad to see the positive response from the ...
by mariezzz
Sat Oct 05, 2019 11:18 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15470

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

True, to a point, but if you're investing in high fee, managed options, the fees and effect of taxes take a considerable chunk out of your portfolio. The effect of fees should not be underestimated. I realize BHs know that, but if this thread is read without that context, some people might miss thi...
by mariezzz
Sat Oct 05, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can retirees (low income, high net worth) qualify for AmEx (or other CCs)?
Replies: 5
Views: 1110

Re: Can retirees (low income, high net worth) qualify for AmEx (or other CCs)?

Definitely they can receive at least some AmEx/other credit cards, assuming credit rating is good (about 740+ credit score). I don't know if the highest level of credit card is affected by incomes in the range you mention - but I doubt you're considering a CC with an annual fee. You should have no p...
by mariezzz
Sat Oct 05, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 15191

Re: Know when to hold them and when to fold them......

As has been said by many here, do what allows you to sleep at night. People can change their mind about their asset allocation. Of course, you want to be thoughtful rather than reacting to a sudden downturn when you do that. There have been lots of threads about the benefit/lack of benefit of intern...
by mariezzz
Sat Oct 05, 2019 1:38 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15470

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

In one employer's 403b, I & employer contributed a total of X and balance is now about 1.8X (or slightly over, depending where the market is) 5 years after leaving position (some of that growth occurred in the 4 years of employment, before leaving). Contributions have had between 5 and 9 years to gr...
by mariezzz
Sat Oct 05, 2019 1:33 am
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 84
Views: 23197

Re: Hospital wants me to prepay for procedure. Normal?

As a note: when medical professionals, dentists, etc., ask you for non-medical, personal information on their forms, you're not required to provide it. At most, for an office visit: it's reasonable to ask for your address, phone, and insurance information. They don't need information about your emp...
by mariezzz
Fri Oct 04, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6225

Re: At wits end with mortgage company issues

Mortgage interest is accrued per month - not per day.
by mariezzz
Fri Oct 04, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6225

Re: At wits end with mortgage company issues

Do some research on the internet. Most mortgage loans come with a 15 day grace period. Mortgage interest is accrued per month - not per day. This isn't to say you should wait that long to resolve it, but if the money has been taken from your bank, then you have evidence the payment was made. Your mo...
by mariezzz
Fri Oct 04, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6225

Re: At wits end with mortgage company issues

I've seen this happen when mortgage payments are made before the 1st of the month. It's should be resolvable with a phone call. Given the 15 day grace period, there's no reason to pay before the 1st . If the 1st falls on a weekend, make the payment post on the Monday or Tuesday after. I've never ha...
by mariezzz
Fri Oct 04, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6225

Re: At wits end with mortgage company issues

Maybe I'm old, but I would never schedule payments this way. I would have the payment scheduled to be cleared well before the due date. Problems happen, and I would want to be able to fix them before the payment was late. Payment isn't considered 'late' until the 15th on most mortgages these days.
by mariezzz
Fri Oct 04, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 84
Views: 23197

Re: Hospital wants me to prepay for procedure. Normal?

I would tell them you prefer it to go through your insurance. I would not agree to prepay. I'd call your insurance company. If this is an in-network hospital, it is strange that they're asking you to pre-pay, unless this is elective surgery that won't be covered by your insurance. If it is truly ele...
by mariezzz
Fri Oct 04, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 1 Year Later (Updated)
Replies: 74
Views: 12048

Re: Solar Installation - 0.75 Year Later

fwiw (and this may be obvious to many, but it wasn't to me and others who heard this on npr's science friday) a roofer called in and said if you're thinking about installing solar, you should do it when you need to replace your roof (or try to align it as much as possible). Otherwise, if you instal...
by mariezzz
Fri Oct 04, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: Investment Fees - a game of whac-a-mole?
Replies: 10
Views: 1140

Re: Investment Fees - a game of whac-a-mole?

WSJ (Jason Zweig) had an article today about Charles Schwab cutting trade commissions to zero.
https://www.wsj.com/articles/your-stock ... 1570199582
Text should be visible by viewing in incognito window.
by mariezzz
Fri Oct 04, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6225

Re: At wits end with mortgage company issues

If you're in a state where attorney general's office is consumer oriented, write to them. You could write to CFPB, but under current administration, it isn't very consumer oriented. Write a letter of complaint, detailing these problems, to mortgage servicer and copy your congresspeople, senators, an...
by mariezzz
Fri Oct 04, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness - Non Profit employees
Replies: 36
Views: 2106

Re: Public Service Loan Forgiveness - Non Profit employees

The PSLF program uses 10% of adjusted gross income (AGI) to determine the monthly payment. This isn't an accurate statement at all. The monthly payment depends on the specific of the qualifying (for PSLF) income driven payment plan you are on. 'Discretionary income' as used by the repayment plans i...
by mariezzz
Fri Oct 04, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness - Non Profit employees
Replies: 36
Views: 2106

Re: Public Service Loan Forgiveness - Non Profit employees

As campy points out above, if your income is too high, your payment will be set so high in the program that your loans would get paid off before the 10-year mark. This is not true under the income based repayment plan. If you income is too high you will be billed under the standard 10 year payment ...
by mariezzz
Fri Oct 04, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness - Non Profit employees
Replies: 36
Views: 2106

Re: Public Service Loan Forgiveness - Non Profit employees

A google search for public service loan forgiveness and some time researching will likely answer almost all your questions - it doesn't sound like you've done that. Start here - make sure the loans qualify and employment qualifies. https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/pu...
by mariezzz
Tue Oct 01, 2019 12:44 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15470

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

Clements says: That brings us to a perverse conclusion—one I’m almost reluctant to mention: Because savings are so crucial, and because they’re the key driver of your ultimate nest egg, how you invest is somewhat less important. I think he's right, and I think this has been mentioned in the forum f...
by mariezzz
Tue Oct 01, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Sound"proofing" basement -- what about hvac ducts?
Replies: 9
Views: 1125

Re: Sound"proofing" basement -- what about hvac ducts?

2.) Because of the bare floor above, the noise of people walking and talking can be LOUD, especially if they are shoes with hard heels. This is easy. Require everyone to remove shoes at point of entry into house, and only put on shoes as one leaves house. It reduces damage to floors - heels with ve...
by mariezzz
Mon Sep 30, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Best intro to Python programming?
Replies: 22
Views: 3896

Re: Best intro to Python programming?

I don't have much computer programming experience (a rudimentary knowledge of PHP and Apex is about my limit) and want to teach myself Python to polish my quantitative investment skills. Do you have a favorite tutorial, online course, etc.that would be well-suited for someone who considers themselv...
by mariezzz
Mon Sep 30, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3968

Re: Non stick pan preference?

Hello I'm looking for a different non stick pan beside Teflon. From what I understand Teflon can be unlhealthy. What do you all use for no stick? Any good alternative to Teflon? I decided that for eggs and crepes (and a few other things), I'm going to use Teflon and take care with it - non-metal ut...
by mariezzz
Mon Sep 30, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: My Kaiser Medicare Plan is "converting" from Cost to Advantage!
Replies: 37
Views: 4231

Re: My Kaiser Medicare Plan is "converting" from Cost to Advantage!

I know a number of oncologists who either currently work for Kaiser or have worked for Kaiser. They've all expressed disagreement with Kaiser's unwillingness to pay for cancer clinical trials that Kaiser isn't involved in, and from what they've said, this isn't the typical position for insurance com...
by mariezzz
Mon Sep 30, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12141

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I used to like Ben and Jerry's Cherry Garcia but surprised nobody mentioned Trader Joe's Coffee Bean Blast - real coffee flavor! We love it Frozen Yogurt B&J's Cherry Garcia is just as good as the ice cream, with a lot less fat. It's difficult to find, though, at least in my area. $3.50 for a pint ...
by mariezzz
Thu Sep 26, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an Umbrella Policy?
Replies: 12
Views: 1425

Re: Do I need an Umbrella Policy?

I am a renter as well. Read Geico umbrella exclusion. As a renter, if you blow up the kitchen, Geico won't cover your liability towards the landlord! Here is a previous post of mine regarding the issue: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=264665 OP says he has renters insurance. If...
by mariezzz
Wed Sep 25, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance wiki: update needed under Insurance Company Ratings
Replies: 0
Views: 405

Insurance wiki: update needed under Insurance Company Ratings

In the insurance company wiki, under Insurance company ratings, the link to AM Best if broken. https://www.bogleheads.org/wiki/Insurance#Insurance_company_ratings Seems like the current link is http://ratings.ambest.com/ , but you now how to register (free) to see the information. (Found page by usi...
by mariezzz
Mon Sep 23, 2019 1:27 am
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 5100

Re: A/C and furnace – probable replacement (soon)

Your HVAC is very old, likely not very efficient, ... I'll disagree with these statements because our systems are 26 years-old and efficient. Codes changed around 1992-1993 so that anything newer had to be efficient. These systems should last 30 years, so 18 years old is not bad to me. Agree with t...
by mariezzz
Mon Sep 23, 2019 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Question for people with Amica dividend policies (homeowners, auto): are the dividends taxable?
Replies: 2
Views: 332

Question for people with Amica dividend policies (homeowners, auto): are the dividends taxable?

Question for people with Amica dividend policies for homeowners and/or auto insurance: are the dividends taxable?
by mariezzz
Sat Sep 21, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8864

Re: How to handle "split-the-bill" group lunches?

In that situation, I would view the birthday meal as sort of one big “gift” for your friend, and you all chipped in for the gift equally. Think of it like this: What if you had thrown a catered party for your friend with food and alcohol provided? You probably would have split the bill for the part...
by mariezzz
Sat Sep 21, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 5100

Re: A/C and furnace – probable replacement (soon)

Your HVAC is very old, likely not very efficient, ... I'll disagree with these statements because our systems are 26 years-old and efficient. Codes changed around 1992-1993 so that anything newer had to be efficient. These systems should last 30 years, so 18 years old is not bad to me. Agree with t...
by mariezzz
Sat Sep 21, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 729

Re: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

Talked to Amica a bit earlier. Was told they typically do the internal inspection if house is 45 years old or older; my house won't require it. This was the most informative discussion I've ever had with an insurance company about an insurance product. I got the homeowners quote and then asked about...
by mariezzz
Sat Sep 21, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 729

Re: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

AMICA's premiums are only one part of the equation. They are one of the top rated insurance companies for service. Service matters. I am in my 40th year with AMICA. Thanks for your reply. I definitely agree the service is worth paying a little more. It's getting easier to compare across insurance c...
by mariezzz
Sat Sep 21, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 729

Re: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

Be aware that the new insurer may want to do an internal/ external house inspection. One company wanted to take photos under every sink/ vanity (existing leak, etc that might contribute to damage/ mold). Another wanted the gutters cleaned and a vine growing on our wooden fence removed - had to emai...
by mariezzz
Sat Sep 21, 2019 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax form for Seniors.
Replies: 32
Views: 2894

Re: Tax form for Seniors.

It's no longer index-card sized. Wasn't that the primary reason for changing the tax forms in the first place, and taking what was one form and making it about 6?

I'm not against this senior version, just pointing out the irony.
by mariezzz
Sat Sep 21, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 729

Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

I'm shopping around for homeowners insurance. I've been with a company whose rates were on the low side but have steadily crept up, and they're not one of the highly rated companies. Compared about 3 years ago and they were still a little lower, so inertia won out. Just comparing rates now. My polic...
by mariezzz
Sun Sep 15, 2019 12:45 am
Forum: Personal Investments
Topic: Are my 403 and 457 worth the fees?
Replies: 28
Views: 1378

Re: Are my 403 and 457 worth the fees?

Have you started looking for another job with better options in the 403/457?
by mariezzz
Sun Sep 15, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1463

Re: Selling an old player piano and lots of song rolls

This guy might be a good person to contact http://www.startribune.com/remember-player-pianos-meet-the-millennial-keeping-them-alive-in-minnesota/559505322/ The player piano was one of the earliest computers. Try to give it away to someone who will try to restore it or will use the parts to fix other...
by mariezzz
Fri Sep 13, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8742

Re: Managing joint finances when one is a perfectionist

I will also say (this should not be applicable to you because you would be managing them) - don't just trust a spouse to manage finances. It isn't that uncommon to hear stories where the money manager says things are going great only to discover when the house is being foreclosed on that they have ...