Search found 3177 matches

by RickBoglehead
Sun May 26, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2098

Re: Extended auto warranty - who to buy from, if you want to

I’m surprised that the few comments so far are to the effect of ‘If you do go down that dark and treacherous path of extended warranty then do so with a dealer not a third party.’ :-) Extended warranties are a "house wins" thing. Consumer Reports recommends you not buy an extended warranty on anyth...
by RickBoglehead
Sun May 26, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Need help with landline service
Replies: 8
Views: 771

Re: Need help with landline service

Comcast has built-in voicemail. There is zero need for an answering machine. I suspect your Comcast voicemail is either full or needs to be setup.

https://www.xfinity.com/support/article ... -voicemail
by RickBoglehead
Sun May 26, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3914

Re: Where to buy products at TRUE wholesale prices?

OP is not contemplating this, an older relative is.
by RickBoglehead
Sun May 26, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3914

Re: Where to buy products at TRUE wholesale prices?

Coscto has an average of 10% market up on most products. The kirkland products have higher. Costco makes most of their money selling goods. Something like 15 billion from selling goods and 2.5 billion from memberships are the numbers I have seen from 2017. The membership fees though are the differe...
by RickBoglehead
Sat May 25, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2269

Re: Should I replace my AC?

Never have mine checked.
by RickBoglehead
Sat May 25, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Basement flooded, insurance not wanting pay
Replies: 13
Views: 2281

Re: Basement flooded, insurance not wanting pay

Because it was my first home that I bought 3 years ago, I guess it was my naivety that I didn’t look at my policy carefully. I did decline ‘Water Back up’ policy. I guess I was trying to see if I can find a loophole, if any, in the policy. I wondered if I hammered them for definition of “Water back...
by RickBoglehead
Sat May 25, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3914

Re: Where to buy products at TRUE wholesale prices?

How can Costco stay in business if they are purchasing *and* selling at the same "TRUE wholesale prices"? RM Costco's profit is roughly 100% from membership fees. We have an older relative who recently quit her job and she wants to start an online retail business. She is well capitalized and has th...
by RickBoglehead
Sat May 25, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Any benefits to low salary job with high income spouse?
Replies: 31
Views: 6376

Re: Any benefits to low salary job with high income spouse?

I wanted to give a little update on this situation because it brought up a few more questions. First off, thank you everyone on this thread for the advice! My wife was given her offer letter and was offered $10,000 payment for her work. Assuming that will be all she gets that year, I would like to ...
by RickBoglehead
Sat May 25, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Repair or Replace GE Profile Cooktop with downdraft
Replies: 10
Views: 673

Re: Repair or Replace GE Profile Cooktop with downdraft

If you can't do the work yourself, I'd go the new route. If you can do it yourself, check a place like RepairClinic.com for prices on parts. You'd be shocked at the markup.
by RickBoglehead
Sat May 25, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2325

Re: Am I a sucker to pay for a new roof?

Note that many don't have a clue about roofs. We had a hail storm some years ago which dented the house siding (cottage). Inspector said roof has no damage except for dents on vents. As to installing a new roof: - get multiple estimates - CAREFULLY review warranties. An installer's warranty may be u...
by RickBoglehead
Fri May 24, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Question on Plug-in Hybrid tax credit
Replies: 12
Views: 1137

Re: Question on Plug-in Hybrid tax credit

I am considering replacing my current vehicle. According to https://www.fueleconomy.gov/feg/taxevb.shtml the vehicle (Honda Clarity Plug-in) is still eligible for $7,500. My understanding is that as long as my federal income tax is over $7,500, I will get the $7,500 rebate since there is no limit r...
by RickBoglehead
Fri May 24, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2154

Re: Keeping old negatives from photos (why keep them?)

My family negatives from the 50's, 60's, 70's, 80's are like gold to me, those memories and histories worth as much as anything else I own. I had pay outside service* as well as scanned some of them myself t o archive for my family future generations . This scanning/archive is a on going process in...
by RickBoglehead
Fri May 24, 2019 8:35 am
Forum: Personal Investments
Topic: Best Solo 401k Brokerage for Three Fund Portfolio
Replies: 40
Views: 2667

Re: Best Solo 401k Brokerage for Three Fund Portfolio

I realize this question has been asked a lot, but if I specifically just want to hold the three fund portfolio in ETFs or Mutual Funds (don't mind which) in a new solo 401k, which brokerage would you recommend as the best for this? (This account would be to buy and hold for at least 25 years). I th...
by RickBoglehead
Fri May 24, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6081

Re: What has changed in new home construction over the years?

Any in the construction or related industries here? May not be the best site to post this, but I've posted elsewhere and haven't had much of a response/real answer. A lot of friends and neighbors prefer brand new construction over existing, older homes. This is due to many factors but what a lot of...
by RickBoglehead
Fri May 24, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Google Tool for coordinating vacation dates between friends?
Replies: 16
Views: 1227

Re: Google Tool for coordinating vacation dates between friends?

Maybe create a shared calendar, and folks can start with their blackout dates? Then you can add planned dates once you find a good time for all. This. You create a new calendar called "Proposed Trip" and share it. People go through their personal calendars and Copy events (i.e. blackout periods) to...
by RickBoglehead
Thu May 23, 2019 12:12 pm
Forum: Personal Investments
Topic: Investment Plan Senior Citizen
Replies: 4
Views: 363

Re: Investment Plan Senior Citizen

A CD ladder at Vanguard would be a good idea, with say 6 months of expenses in Vanguard Prime Money Market, or Vanguard Treasury Money Market if you need to avoid state taxes. Ally Savings pays less, 2.2%, but is also very good.
by RickBoglehead
Thu May 23, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What would you do - Large Commission (Bonus)
Replies: 23
Views: 2013

Re: What would you do - Large Commission (Bonus)

Now we go to my big dilemma: do I invest this money or pay off the mortgage. I pay yearly interest ~$12k for mortgage, investing $200k @7% would return ~$14k plus compound. It seems more people are suggesting to pay down the mortgage. I have no further input into your dilemma, which I see not as a ...
by RickBoglehead
Thu May 23, 2019 9:14 am
Forum: Personal Investments
Topic: Vanguard "advisors" vs. "Self-managed" accts
Replies: 8
Views: 958

Re: Vanguard "advisors" vs. "Self-managed" accts

Vanguard advertises various things in that box. Mine advertises Vanguard Global ESG Select Stock Fund.

I don't recall Self-managed being anything else, sorry.
by RickBoglehead
Wed May 22, 2019 9:20 pm
Forum: Personal Investments
Topic: vusxx buy at end of month
Replies: 7
Views: 541

Re: vusxx buy at end of month

alex_686 wrote:
Wed May 22, 2019 9:18 pm
It is called “buying the dividend”, and brokers have been fined and fired for suggesting this.

The stock or fund drops by the amount of the dividend, so it is a wash. The exploits around this are razor thin. This is a highly efficient part of the market.
Not with a money market...
by RickBoglehead
Wed May 22, 2019 9:17 pm
Forum: Personal Investments
Topic: vusxx buy at end of month
Replies: 7
Views: 541

Re: vusxx buy at end of month

immisaki wrote:
Wed May 22, 2019 9:07 pm
if vusxx is always a dollar and pays dividend at the end of the month, does it make sense to always buy vusxx towards the end of the month ?
Why?

The dividend is computed daily, paid monthly.
by RickBoglehead
Wed May 22, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 939

Re: PC Hardware Help - KVM Switch

Keep in mind that while your laptop may have ports for two external monitors, you will end up with 2, not three monitors. One monitor duplicates what is on the laptop's screen, one monitor EXTENDS the screen, which is what gives you 2 different screens.
by RickBoglehead
Wed May 22, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3459

Re: Payable On Death Account as Will Substitute

I'm always curious when I read this sort of thing. Unless someone is writing his/her own will, how on earth does a competent attorney not get the client to then and there log into brokerage and bank accounts and update PODs/TODs? And if the client can't or doesn't want to, shouldn't there be a few ...
by RickBoglehead
Wed May 22, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What would you do - Large Commission (Bonus)
Replies: 23
Views: 2013

Re: What would you do - Large Commission (Bonus)

Note: $19k for 401k and $6k for Roth. Great observation above about a Roth for your wife. Initially I was going to say 100k or so to the mortgage but you live in CA. From what I have read on here I believe that is a non-recourse (?) state so that is something to consider before putting more money t...
by RickBoglehead
Wed May 22, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What would you do - Large Commission (Bonus)
Replies: 23
Views: 2013

Re: What would you do - Large Commission (Bonus)

Note: $19k for 401k and $6k for Roth. Great observation above about a Roth for your wife. Initially I was going to say 100k or so to the mortgage but you live in CA. From what I have read on here I believe that is a non-recourse (?) state so that is something to consider before putting more money t...
by RickBoglehead
Wed May 22, 2019 6:32 am
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3295

Re: Frozen by uncertainty, really want to unfreeze

I'd suggest the OP spend some time reviewing info in the Wiki. Reading the Boglehead's Guide to Investing would be a good first step. The old 401k investment with guidance from someone could be way off. You can sell a 401k investment, and roll it to an IRA or a current 401k, with no tax ramification...
by RickBoglehead
Wed May 22, 2019 5:32 am
Forum: Personal Finance (Not Investing)
Topic: What would you do - Large Commission (Bonus)
Replies: 23
Views: 2013

Re: What would you do - Large Commission (Bonus)

Most companies withhold taxes on lump sums at a higher rate. Wife needs a ROTH IRA as noted. Contribute each year. Big miss if it has been 5 years without. Do not pay down that mortgage unless you are unable to itemize. Great rate if a 30 year mortgage. Run TurboTax on your expected annual income an...
by RickBoglehead
Wed May 22, 2019 5:10 am
Forum: Personal Finance (Not Investing)
Topic: How much house (% of NW) should a retiree have?
Replies: 16
Views: 1942

Re: How much house (% of NW) should a retiree have?

Has zero relationship to me. A person with $5 million in assets spends 10% on a house. A person with $2 million spends 25%. Same $500k house, both can afford it because their remaining assets can support their lifestyle until their expected demise. If spending less on a house lets you live more comf...
by RickBoglehead
Tue May 21, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8637

Re: Anyone else looking forward to Game of Thrones?

Battle episode was too visually dark to view. Major blunder.

I enjoyed the season, but 6 episodes was too rushed.

I read Fire and Blood and found it bear impossible to keep track of characters. Very pompous writing.
by RickBoglehead
Tue May 21, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4137

Re: Senior management/executives

Not in my experience. If it is illegal or violates company policy, turn him in.
by RickBoglehead
Tue May 21, 2019 9:25 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8701

Re: $400,000 gift to stepdaughter

First, sorry for your loss. Second, 15k a year isn't going to make her life appreciably easier. She is more likely to spend 15k a year than to save it. I agree that this whole plan seems to be overthinking things. I get what you're trying to do, but why not trust your stepdaughter and change her li...
by RickBoglehead
Tue May 21, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3459

Re: Payable On Death Account as Will Substitute

POD allows the asset to be transferred to the beneficiaries outside probate. Removing the beneficiaries and relying on the will means everything goes through probate. If nothing else, that usually means it takes longer and costs more - both because of attorney fees and the government taking their sl...
by RickBoglehead
Tue May 21, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Class action law suits
Replies: 52
Views: 5465

Re: Class action law suits

$18.04 foreign exchange $55.53 Kasha lawsuit $13.53 Verizon Wireless $21.84 riding mower $10.19 lawn mower $31.31 memory $15.97 memory $101.44 memory $13.86 CDs $109.28 magazine $505.24 ING rate renewal $8.00 Hertz $8.23 foreign exchange $326.00 IPOs $281.06 IPOs $48.22 stock settlements $170.90 st...
by RickBoglehead
Tue May 21, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3459

Re: Payable On Death Account as Will Substitute

I have a close friend who has a fairly simple estate planning situation, I think. He's single and does not intend to get married, is in his late 50s and has fair health. He will have two heirs (his niece and nephew...both post-college young adults). He has no children of his own. He will retire soo...
by RickBoglehead
Tue May 21, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3459

Re: Payable On Death Account as Will Substitute

I have a close friend who has a fairly simple estate planning situation, I think. He's single and does not intend to get married, is in his late 50s and has fair health. He will have two heirs (his niece and nephew...both post-college young adults). He has no children of his own. He will retire soo...
by RickBoglehead
Tue May 21, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3295

Re: Expensive front load washer/dryer worth it?

We use top loaders and will do everything we can to not switch to these ridiculous front load machines. If one does the math on "cost savings" by using less water, and really takes into account the true cost (including electricity cost to spin a washer for much longer), I can't imagine it pays off e...
by RickBoglehead
Tue May 21, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 939

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by RickBoglehead
Tue May 21, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Class action law suits
Replies: 52
Views: 5465

Re: Class action law suits

$18.04 foreign exchange $55.53 Kasha lawsuit $13.53 Verizon Wireless $21.84 riding mower $10.19 lawn mower $31.31 memory $15.97 memory $101.44 memory $13.86 CDs $109.28 magazine $505.24 ING rate renewal $8.00 Hertz $8.23 foreign exchange $326.00 IPOs $281.06 IPOs $48.22 stock settlements $170.90 sto...
by RickBoglehead
Tue May 21, 2019 10:27 am
Forum: Personal Investments
Topic: Retirement goal seems far away
Replies: 25
Views: 2020

Re: Retirement goal seems far away

3,650 days to go, 3,650 days. You take one down, pass it around, 3,649 days to go.

3,649 days to go, 3,649 days. You take one down, pass it around, .... :twisted:
by RickBoglehead
Tue May 21, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 939

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by RickBoglehead
Tue May 21, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1186

Re: Can a cashiers check be made out to cash?

No personal check is accepted. But I don’t want to get a cashiers check made out to him and not use it. Are cashiers checks returnable? What do people do when they buy cars out of town when they are not sure they will make the purchase? Have you looked into electronic money transfers? I have used Z...
by RickBoglehead
Tue May 21, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1186

Re: Can a cashiers check be made out to cash?

Exactly what Gill said, bring the unused check back to the bank and they'll redeposit the funds.
by RickBoglehead
Tue May 21, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 939

Re: PC Hardware Help - KVM Switch

OP, you have your terminology wrong, which may lead you astray. The video ports on your computers are OUTPUTS, not INPUTS. You're sending video OUT, not IN. You have an HDMI and a mini display port on your laptop. So you'll need to get a display port to mini display port adapter. This seems to be th...
by RickBoglehead
Tue May 21, 2019 8:30 am
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5670

Re: Is an emergency just mental accounting?

In the case of an emergency fund the special "money jar" is often a high-yield savings account, money market account, etc. Is there any reason why someone shouldn't just revisit their risk tolerance and redirect the emergency fund to that allocation in a brokerage account? For example, a portfolio ...
by RickBoglehead
Tue May 21, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: HOW to pay off a mortgage
Replies: 18
Views: 3892

Re: HOW to pay off a mortgage

Suggestion to OP.

Setup a conference call with you, your mother, and the mortgage company. Have your mother inform them that she wants you in on the call, and therefore you can verify all instructions.

Then, do the same with your mother and the bank where the funds are going to be wired from.
by RickBoglehead
Tue May 21, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How to help DW to manage the invested money ??
Replies: 36
Views: 2878

Re: How to help DW to manage the invested money ??

There seem to be a lot of posts about spouses that don't understand / don't care / aren't worried / have no interest in the finances (sometimes women, sometimes men). Here's the reality - none of us can predict our mortality. We can plan, we can write things down, but we can't figure out when we're ...
by RickBoglehead
Tue May 21, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5782

Re: Relocate to Charleston SC?

I would suggest that you relook at your numbers very carefully. I'd also suggest that you not worry about what others think about why you might move. Hilton Head traffic is insane. Beaufort is very undeveloped as compared to Charleston, but much of it in a not-nice-undeveloped way. We considered it,...
by RickBoglehead
Tue May 21, 2019 5:06 am
Forum: Personal Investments
Topic: Majority of Assets at USAA and Fidelity - where to consolidate
Replies: 8
Views: 731

Re: Majority of Assets at USAA and Fidelity - where to consolidate

There is no reason to out everything at Fidelity. While when you log in, you would see all your assets, you can do the same at Vanguard by simply putting in the asset symbol and number of shares of your Fidelity holdings in the Outside Investments section (manually updating shares as needed).