Search found 6618 matches

by RickBoglehead
Wed Jun 16, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: Luggage for roof of car
Replies: 12
Views: 595

Re: Roof racks

Find a CRV forum and see what they recommend.
by RickBoglehead
Wed Jun 16, 2021 5:51 pm
Forum: Personal Investments
Topic: Oops - Undoing a UTMA account!?
Replies: 10
Views: 436

Re: Oops - Undoing a UTMA account!?

Pretty clear OP should have learned more about UTMAs before putting money in them. As noted, this is the child's money. Nothing can be "undone". Up As stated, so many waste time worrying about financial aid when the reality is that most on this forum aren't going to get a dime of free mone...
by RickBoglehead
Wed Jun 16, 2021 9:45 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 19
Views: 1070

Re: New Computer/Security

I know Windows, not Apple. A Windows 10 PC with Microsoft Defender, which is part of Windows, is fine. A high speed internet connection with a router with built-in firewall is fine. Nothing to pay a firm for. Most security issues are from users that lack intelligence and click on links in emails or ...
by RickBoglehead
Wed Jun 16, 2021 9:40 am
Forum: Personal Investments
Topic: $ out of Schwab Money Market and into Schwab Checking?
Replies: 17
Views: 843

Re: $ out of Schwab Money Market and into Schwab Checking?

You're not understanding.

The rate earned is after expenses. You aren't paying anything. They yield the same, so you are indifferent.
by RickBoglehead
Wed Jun 16, 2021 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Custom Home Build Cost
Replies: 13
Views: 1001

Re: Custom Home Build Cost

No you are not over your head although you may be spending beyond control, but that's up to you to decide.
by RickBoglehead
Wed Jun 16, 2021 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Best month to retire
Replies: 27
Views: 2021

Re: Best month to retire

Many don't do any figuring. For example, many companies provide benefits for the month if you work 1 day of the month.

My wife retired last Friday. Gets benefits for the month, and gets benefits for the summer by paying her portion.
by RickBoglehead
Wed Jun 16, 2021 8:32 am
Forum: Personal Consumer Issues
Topic: BlueAir air purifiers and wildfires
Replies: 2
Views: 217

Re: BlueAir air purifiers and wildfires

Turn fan on instead of auto.

Or, get an intelligent thermostat and set it to turn on fans x minutes per hour.
by RickBoglehead
Tue Jun 15, 2021 11:23 am
Forum: Personal Consumer Issues
Topic: TV Cord Cutter Advice
Replies: 19
Views: 1147

Re: TV Cord Cutter Advice

Make an antenna. Mine works great. https://www.metacafe.com/watch/762088/coat_hanger_hdtv_antenna_better_than_store_bought_amazing/ Use this site to see where broadcast transmitters are for orienting antenna (mine is in attic). https://www.antennaweb.org/ I have two HD Homeruns on a Windows 10 PC. ...
by RickBoglehead
Tue Jun 15, 2021 10:47 am
Forum: Personal Consumer Issues
Topic: TV Cord Cutter Advice
Replies: 19
Views: 1147

Re: TV Cord Cutter Advice

Make an antenna. Mine works great. https://www.metacafe.com/watch/762088/coat_hanger_hdtv_antenna_better_than_store_bought_amazing/ Use this site to see where broadcast transmitters are for orienting antenna (mine is in attic). https://www.antennaweb.org/ I have two HD Homeruns on a Windows 10 PC. I...
by RickBoglehead
Tue Jun 15, 2021 10:37 am
Forum: Personal Consumer Issues
Topic: Trying to Prevent Car Total by Insurance Company
Replies: 17
Views: 1404

Re: Trying to Prevent Car Total by Insurance Company

Since it appears that your insurance company hasn't said anything yet, I suggest you wait to see what they say.
by RickBoglehead
Tue Jun 15, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 70
Views: 3885

Re: How long should a car last?

That is twice what alternator should cost.

10 years is a good timeframe. We have gone 15. Too long. Plastic parts become brittle, stuff fades, rubber rots.
by RickBoglehead
Tue Jun 15, 2021 9:46 am
Forum: Personal Investments
Topic: Why it may not make sense to a house sell in this market
Replies: 5
Views: 972

Re: Why it may not make sense to a house sell in this market

You must live in California. The transferring of the cost basis is a California thing.

Most people don't make enough profit on sale of home to exceed federal exclusion.
by RickBoglehead
Tue Jun 15, 2021 9:41 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 58
Views: 2185

Re: Rx home delivery?

4nursebee wrote: Tue Jun 15, 2021 9:39 am
brian91480 wrote: Tue Jun 15, 2021 5:58 am Everyone should look into Costco. Even if you are not a member, I think non-members have access to the pharmacy. I am stunned how much cheaper my prescriptions are at Costco compared to other places. (they have some common pet medications too)
Do they deliver?
Only via Instacart.
by RickBoglehead
Tue Jun 15, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: Window shade recommendation on top down/bottom up motorized
Replies: 5
Views: 678

Re: Window shade recommendation on top down/bottom up motorized

HD doesn't make blinds. Most retailers and online sites don't make blinds. HD owns Blinds.com and other online companies, who sell brands and private label. Most blinds are made by Hunter Douglas-owned companies, which include Levolor, Comfortex, Alta, M&B... Graber is owned by Springs Window Fa...
by RickBoglehead
Tue Jun 15, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Trying to find ways to make extra money
Replies: 34
Views: 2734

Re: Trying to find ways to make extra money

I'm not looking for a huge return but figure if I sell items on Facebook marketplace it would be cash transactions and thats worth more to me than a side job paying 35% in taxes. If I could generate 1000-1500 a month profit I would be more than happy. Get a part time job that fits your free hours. ...
by RickBoglehead
Tue Jun 15, 2021 6:29 am
Forum: Personal Investments
Topic: Maximizing Dollar Cost Average
Replies: 20
Views: 1704

Re: Maximizing Dollar Cost Average

The only reason to DCA is because your funds come in a paycheck. Otherwise, DCA loses to lump sum 67% of the time.
by RickBoglehead
Tue Jun 15, 2021 6:22 am
Forum: Personal Consumer Issues
Topic: Window shade recommendation on top down/bottom up motorized
Replies: 5
Views: 678

Re: Window shade recommendation on top down/bottom up motorized

It seems several companies are now selling top down/bottom up motorized shades. Have any Bogleheads had any experience with these particular type of shades, and if so, which brands? Any recommendations or suggestions? Google indicates the top down/bottom up motorized are available from: - Comfortex...
by RickBoglehead
Tue Jun 15, 2021 5:47 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 58
Views: 2185

Re: Rx home delivery?

I wouldn't use a mail-order pharmacy for anything that needs to be refrigerated. Waiting in a pharmacy drive-thru is too difficult? Go before they get busy.
by RickBoglehead
Mon Jun 14, 2021 10:25 pm
Forum: Personal Consumer Issues
Topic: Vacation in Michigan in August
Replies: 22
Views: 1738

Re: Vacation in Michigan in August

Niagra Falls is 300 miles from A2... And border is not yet open.
by RickBoglehead
Mon Jun 14, 2021 5:56 am
Forum: Personal Consumer Issues
Topic: Tire flat fixing for beginners
Replies: 143
Views: 6441

Re: Tire flat fixing for beginners

Due to the small and decreasing number of vehicles that have a spare tire or even dedicated storage space for a donut, it really seems like everybody should be more focused on enabling communication regardless of cell service, instead of equipping the family Corolla as if it's a race car hauler. Ye...
by RickBoglehead
Mon Jun 14, 2021 5:40 am
Forum: Personal Consumer Issues
Topic: Riding mower
Replies: 45
Views: 2569

Re: Riding mower

I had a Craftsman that lasted around 14 years, on my second for 11. I echo the don't buy an MTD consumer model. I do my own maintenance, and these are just like a Husqvarna, except without all the upgrades. My first one I cracked the frame, then learned that the top ones had a brace there. I replace...
by RickBoglehead
Sun Jun 13, 2021 8:16 am
Forum: Personal Investments
Topic: Where is your Solo 401k?
Replies: 9
Views: 626

Re: Where is your Solo 401k?

Vanguard. Now doing rollovers I read.

Balance shows on retail website. Can do everything but deposit on retail site, deposit on small business site.
by RickBoglehead
Sun Jun 13, 2021 5:58 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16502

Re: which state to retire

South Dakota is easiest state to establish a domicile. Just show up and get a license, license plate and hire a mail service. Texas and Florida are almost as easy. ** Edited to add everyone else in the world beat me to it and added more valuable information :oops: I haven't quite understood why any...
by RickBoglehead
Sat Jun 12, 2021 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Two-steps moving from one house to another? How to finance?
Replies: 16
Views: 1718

Re: Two-steps moving from one house to another? How to finance?

You can still get a mortgage based on income where your income is what you are living on in your retirement. I just talked to a mortgage banker, and was told that I could qualify for a mortgage where the sum of mortgage payment, property tax, and home insurance was 43% of my gross pension payment. ...
by RickBoglehead
Fri Jun 11, 2021 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: More Expensive House in Retirement?
Replies: 24
Views: 3317

Re: More Expensive House in Retirement?

We are thinking through options for after my retirement in 3 years. One goal we have is to move to a location in another state where the home prices are higher. We would sell our current home but the new home would likely cost $300k more (even though it would be smaller). My question is if there is...
by RickBoglehead
Fri Jun 11, 2021 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: More Expensive House in Retirement?
Replies: 24
Views: 3317

Re: More Expensive House in Retirement?

Marseille07 wrote: Fri Jun 11, 2021 7:13 pm Can you even get a mortgage? I hear retirees struggle to obtain a mortgage as they don't have W-2 to show for. Upsizing in retirement seems like a challenge.
Sure. Asset based mortgage.
by RickBoglehead
Fri Jun 11, 2021 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical to Work with Two Realtors?
Replies: 31
Views: 3590

Re: Ethical to Work with Two Realtors?

If a realtor shows you a home, that realtor would have claim to a share of the commission if you buy, not a 2nd realtor, contract or not.
by RickBoglehead
Fri Jun 11, 2021 5:15 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1946

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

OK, is it copper, you may be thinking the crimped is what the wrench latches on with. If it's copper, and the nipple wasn't swapped from the manufacturer one with a higher grade dielectric or brass nipple, that's probably your problem. Ah......that explains why General Disarray was unable to attach...
by RickBoglehead
Fri Jun 11, 2021 5:09 pm
Forum: Personal Investments
Topic: Financial Planner Requiring Custody "for compliance" True?
Replies: 25
Views: 1748

Re: Financial Planner Requiring Custody "for compliance" True?

Even if they require it, I would tell them to [moderators would delete this].
by RickBoglehead
Fri Jun 11, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Adding secondary beneficiaries to an IRA
Replies: 8
Views: 506

Re: Adding secondary beneficiaries to an IRA

I am structuring things so that my IRA investments are not dealt with in the trust, but are distributed by declaring beneficiaries. My IRAs are shared unequally between three primary beneficiaries. If one or more of the beneficiaries dies before I do, and I don't change the primary beneficiaries ac...
by RickBoglehead
Fri Jun 11, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 529 ownership to student?
Replies: 8
Views: 716

Re: 529 ownership to student?

The tax problem comes from paying for room and board. Either he or we will have to pay these to the landlord (grocery store, etc) and then be reimbursed by the 529. So we need to document these and claim them properly on the tax return to avoid triggering a taxable event. This seems much harder wit...
by RickBoglehead
Fri Jun 11, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Buying a new car during the chip shortage.
Replies: 32
Views: 2875

Re: Buying a new car during the chip shortage.

There was only a token attempt to push an extended warranty They of course are trying to sell you the warranty but even if you tell them up front that you are not going to buy anything they still are likely required to go through the extended warranty spiel. The way this was explained to me was tha...
by RickBoglehead
Fri Jun 11, 2021 6:19 am
Forum: Personal Investments
Topic: ETF vs Mutual Fund
Replies: 22
Views: 1765

Re: ETF vs Mutual Fund

by RickBoglehead
Fri Jun 11, 2021 6:18 am
Forum: Personal Consumer Issues
Topic: Income req’d to afford pricey private school tuition?
Replies: 21
Views: 2266

Re: Income req’d to afford pricey private school tuition?

AlohaJoe wrote: Fri Jun 11, 2021 1:23 am I'd say you need to earn $70,000 plus whatever your other expenses are.

Seems straightforward to me.
This ^^^.
by RickBoglehead
Fri Jun 11, 2021 6:04 am
Forum: Personal Consumer Issues
Topic: Tires for 2012 Subaru Forester
Replies: 25
Views: 1351

Re: Tires for 2012 Subaru Forester

If the tires are less than 5 years old, they should not have dry rot. Discount Tire will properly assess them. They may disagree with the prior assessment, you don't say where you went for air. If they are bad, DT can do the warranty claim. If they have no rot, avoid the place you went for air. DT i...
by RickBoglehead
Fri Jun 11, 2021 5:56 am
Forum: Personal Consumer Issues
Topic: Buying a new car during the chip shortage.
Replies: 32
Views: 2875

Re: Buying a new car during the chip shortage.

Manufacturers offer employees discount. Some allow employees to provide a smaller discount to friends and family. Know any Subaru employees? Also, most vehicles have break-in instructions in the manual, which you should be able to find online. Typically, they include: - For the first 100 miles in to...
by RickBoglehead
Fri Jun 11, 2021 5:47 am
Forum: Personal Consumer Issues
Topic: What to do with car that flooded
Replies: 38
Views: 2907

Re: What to do with car that flooded

You may be required to get a flood title. Check with your state. If you sell it, write a statement of exactly what was done and a copy of all receipts and get buyer to sign for receipt of them. People drop collision on old cars. You didn't have comprehensive coverage on a 5 year old car. Hopefully y...
by RickBoglehead
Thu Jun 10, 2021 9:54 pm
Forum: Personal Consumer Issues
Topic: Intermatic timer
Replies: 21
Views: 1254

Re: Intermatic timer

I have not had much success with Intermatic timers as they seem to fail before they should. Just replace it with a new timer. Agreed, I had an intermatic timer switch for our front lights that almost never worked properly. Would be ok for a week or two, then would turn lights on/off on a totally ra...
by RickBoglehead
Thu Jun 10, 2021 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: pricing our house?
Replies: 116
Views: 13131

Re: pricing our house?

we have no offers, tomorrow we have one appt and then an open house this weekend. I'm fairly pessimistic that we'll receive an offer this weekend, will probably drop the price on wed. best, The purpose of an open house is for a realtor to gain new clients. Inviting just realtors is different of cou...
by RickBoglehead
Thu Jun 10, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: 529 ownership to student?
Replies: 8
Views: 716

Re: 529 ownership to student?

Grandparents could give you or your husband online access to the accounts via a Limited POA. For example, with Utah's My529, you would fill out form 800 and they would fill out 810 and get the signature notarized. https://my529.org/other-essentials/frequently-asked-questions/forms-documents-download...
by RickBoglehead
Thu Jun 10, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: Tires for 2012 Subaru Forester
Replies: 25
Views: 1351

Re: Tires for 2012 Subaru Forester

When I buy tires, I just buy what the local tire place has in the size that fits my car. I really don't think it matters. If they have more than one tire or brand, then I pick Michelin over other brands, but I do not have Michelins on my car now since the place did not have Michelins that fit my ca...
by RickBoglehead
Thu Jun 10, 2021 5:43 pm
Forum: Personal Investments
Topic: Should I transfer my Roth IRA from Edward Jones?
Replies: 303
Views: 15881

Re: Should I transfer my Roth IRA from Edward Jones?

Vanguard User wrote: Thu Jun 10, 2021 5:38 pm Why is FZROX share price $15 compare to FSKAX $121?
Share price is irrelevant.
by RickBoglehead
Thu Jun 10, 2021 4:58 pm
Forum: Personal Investments
Topic: Should I transfer my Roth IRA from Edward Jones?
Replies: 303
Views: 15881

Re: Should I transfer my Roth IRA from Edward Jones?

The $6k annual limit is for new contributions to your Roth IRA. Yes you can switch all $141k into Fidelity index funds. It would be a big purchase of this amount. I guess I will have no other choice but to buy in lumpsum? I suggest investing this all at once, rather than in increments To avoid high...
by RickBoglehead
Thu Jun 10, 2021 4:56 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 45
Views: 2424

Re: Why so many funds in one account

I struggle with the idea that typical advisors, brokers, and generally financial services salesmen consciously operate to deceive their customers in order to take money out of people's pockets. How many people here think that? I mean I don't know a lot of people in that business, but the one's I do...
by RickBoglehead
Thu Jun 10, 2021 4:48 pm
Forum: Personal Consumer Issues
Topic: Tires for 2012 Subaru Forester
Replies: 25
Views: 1351

Re: Tires for 2012 Subaru Forester

Hello, Just went to have air put in my tires and employee said my tires were showing dry rot, so need to replace. Any suggestions on what tires I would need. I mostly do city and some freeway driving. Never off road. Car, otherwise is in good condition. Thank you This is concerning. Dry rot indicat...
by RickBoglehead
Thu Jun 10, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: Tires for 2012 Subaru Forester
Replies: 25
Views: 1351

Re: Tires for 2012 Subaru Forester

When I buy tires, I just buy what the local tire place has in the size that fits my car. I really don't think it matters. If they have more than one tire or brand, then I pick Michelin over other brands, but I do not have Michelins on my car now since the place did not have Michelins that fit my ca...
by RickBoglehead
Thu Jun 10, 2021 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate agent reluctant to show offers to the seller prior to decision
Replies: 99
Views: 9640

Re: Real estate agent reluctant to show offers to the seller prior to decision

The guy works for you. Tell him that you will be getting the offers from him by tonight or you will be having a talk with his supervising broker. There may be some reason he doesn't want to do this or maybe most clients don't ask for all the offers. At minimum there is a failure to communicate. Thi...
by RickBoglehead
Thu Jun 10, 2021 4:12 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 45
Views: 2424

Re: Why so many funds in one account

He wants to impress you with how complex managing your finances is and how much he's doing for you. Plus it might benefit his income to have you in more funds, especially if some of them are load funds. I'll be more harsh that cheese-breath - It's to scare you into believing investing is so complex...
by RickBoglehead
Thu Jun 10, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: Securing a VPN (Virtual Private Network)
Replies: 70
Views: 5003

Re: Securing a VPN (Virtual Private Network)

Keep in mind that AARP is in the business of making money... While they may call themselves a non-profit, in 2019 they took in $1.7B, and had similar expenses. They have $2.1B of net assets. I get a free VPN from the university I graduated from 40 years ago, free for all alum. There is no reason to ...