Search found 817 matches

by daytona084
Sun Nov 04, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5261

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

You want to live in the home for approx. two more years. He wants your home but is willing to wait two more years to move in The answer seems obvious - you sell your home in two years (or whenever you want to). If he still wants it, he can make an offer. He wants to buy your home now but "voiced wi...
by daytona084
Sat Nov 03, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Target Red Card Auto-Pay Deceit Warning
Replies: 19
Views: 1716

Re: Target Red Card Auto-Pay Deceit Warning

Can anyone explain why one would sign up for auto-pay, then make manual payments before the auto-pay date?
by daytona084
Sat Nov 03, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 865

Re: Should I buy a fire truck?

If you are in a hurry, people will get out of your way! :D
by daytona084
Sat Nov 03, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Video Editing Software
Replies: 14
Views: 1037

Re: Video Editing Software

I recommend VideoPad by NCH... it's free for non-commercial use. I find it easy to use, and the learning curve is not steep. I use the Windows version, but it is available for Mac per their download site.

https://www.nchsoftware.com/videopad/download-now.html
by daytona084
Wed Oct 31, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3210

Re: USPS - Informed delivery - complain on missing items?

I have checked the "I didn't receive this" box on the Informed Delivery email, for something that never arrived. Never heard a thing from USPS.
by daytona084
Mon Oct 29, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: What’s less bad? Vanguard ETF w/ $50 trade fees vs. mutual fund w/ 1.5% ER
Replies: 21
Views: 1289

Re: What’s less bad? Vanguard ETF w/ $50 trade fees vs. mutual fund w/ 1.5% ER

My understanding is that with a SIMPLE IRA (unlike a 401k) you are permitted to roll over any amount anytime into a traditional IRA. So you can contribute up to the match limit (leaving it in cash sounds like a good idea) and periodically roll over your holdings to a traditional IRA. My daughter has...
by daytona084
Mon Oct 29, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2227

Re: Speeding ticket and insurance

I have never noticed a rate increase due to a single conviction. One time, a dependent of mine got 3 tickets in a 6-month span - that was a different story. Also note - (my understanding, I could be wrong) for out-of state-convictions, the local court notifies their state of the conviction, and the ...
by daytona084
Wed Oct 24, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5083

Re: Applying for Social Security Online

Wow... They actually called back within minutes of my leaving a message. The representative told me that my application has been "adjudicated" ... approved with no snags or anything. But no communication will occur until a couple weeks before the first payment. (Which in my case will be in December....
by daytona084
Wed Oct 24, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5083

Re: Applying for Social Security Online

I submitted my application for benefits on August 10, 2018. Expecting benefits to start in November. (first check would be December) Checking the progress online, the SSA web site has the following information: 08/13/2018 Benefit Application Pending We are reviewing your Retirement benefit applicat...
by daytona084
Wed Oct 24, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5083

Re: Applying for Social Security Online

I submitted my application for benefits on August 10, 2018. Expecting benefits to start in November. (first check would be December) Checking the progress online, the SSA web site has the following information: 08/13/2018 Benefit Application Pending We are reviewing your Retirement benefit applicati...
by daytona084
Sun Oct 21, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3060

Re: Why Purchase an Automobile using Premium Gasoline?

At some point, this question might become irrelevant. Auto makers are pushing for a "single grade" of fuel (premium) and design all engines to run on it. They say there is a benefit (fuel mileage and performance) if all cars consumed high octane fuel. http://www.autonews.com/article/20180514/OEM11/1...
by daytona084
Fri Oct 12, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5598

Re: Keep a backup hot water heater?

Whoever heard of a "backup hot water heater"? Nobody does that. It is actually done ... A friend owns a 12 bedroom vacation rental that rents for over $1200 per night. The renters would not be happy if the hot water went out. He has the two water heaters plumbed such that either or both can be acti...
by daytona084
Tue Oct 09, 2018 6:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Re: Detroit Area Bogleheads - Master Thread

We are planning our next meeting to for December 1, 2018 - same time (10:30 - 12:00 noon) and location. Topics to be determined. Save the date!
by daytona084
Fri Sep 28, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4339

Re: Ventilated car seats?

I have ventilated seats in my Cadillac CTS - absolutely love them. In the summer months, on long trips, I would find myself constantly adjusting the A/C temperature, fan speed, choice of vents, etc to get just the right climate. But none of these adjustments can do anything for the seat back and sea...
by daytona084
Fri Aug 24, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17467

Re: Fidelity Full View transition to eMoney

My main concern is historical data loss and changes to existing data. I had several years of transactions and after the upgrade only see back to August 1, 2018. If this can happen to Full View data, can it happen to investment data? I'm losing confidence in Fidelity. When I play around with the set...
by daytona084
Tue Aug 21, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17467

Re: Fidelity Full View transition to eMoney

Actually I knew this was coming. I received a personal (live representative) phone call from Fidelity a few weeks ago. They identified me as a frequent user of Full View. Asked me if I had any questions, and told me I would have to re-enter my login credentials. When the change occurred yesterday, r...
by daytona084
Mon Aug 20, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17467

Re: Fidelity Full View transition to eMoney

OK, today is the day. First day with the new system. I went through the changeover in Full View and all went well except for one account - the Fidelity Rewards Visa Card (ELAN). I was able to add the Fidelity Rewards Visa, and the correct balance appeared on screen, but after a few clicks, the accou...
by daytona084
Fri Aug 03, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7594

Re: Minivan Vs SUV Experience

I love my minivan, and still do even though the kids are long since grown and moved out. I can't count the number of times it's been used for sheetrock, lumber, water heater, refrigerator, and other large items from the home center. Or a furniture item from Craigslist. No need to borrow a vehicle or...
by daytona084
Thu May 17, 2018 4:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Meeting Notice - May 19th 2018

Reminder - Our next meeting is this Saturday, May 19th. New members are welcome! When: Saturday May 19th 10:30 AM - 12:00 Noon Where: Multi-Lakes Conservation Association 3860 Newton Rd Commerce Twp, MI 48362 Topics (Approx 30 Minutes Each): 1. International Stock Funds in your Portfolio - - Why? W...
by daytona084
Sat May 05, 2018 9:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Meeting Notice - May 19th 2018

Detroit Area Bogleheads - Meeting Notice When: Saturday May 19th 10:30 AM - 12:00 Noon Where: Multi-Lakes Conservation Association 3860 Newton Rd Commerce Twp, MI 48362 Topics (Approx 30 Minutes Each): 1. International Stock Funds in your Portfolio - - Why? Why not? 2. a. How to recognize and deal ...
by daytona084
Wed Apr 11, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 5452

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the...
by daytona084
Tue Apr 10, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 5452

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the ...
by daytona084
Mon Mar 26, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 2182

Re: GE Microwave Weird Issue

I have no idea what is going on but a microwave turning itself on seems to me to be a very bad business and it would put me into territory where I would say "I do not want this fixed because the design itself must be defective, I need to get a new microwave... and not from GE... even if it means ju...
by daytona084
Wed Mar 21, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1687

Re: Outdoor Blower

I also recommend the EGO. It's amazing how handy it is and how many uses I find for it, because it's not necessary to start the thing up (like a gas blower) or string a cord (like a corded blower). It's great for cleanup after lawn mowing, clearing light snowfall, blowing debris off the deck, etc. h...
by daytona084
Sat Mar 17, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 10817

Re: Need for Medicare supplemental plan?

As others have commented, the logic in the original article is severely flawed. This is insurance , not a "health plan" we are talking about. One does not buy a medicare supplement policy, or any other insurance policy, hoping it turns out to be a "good deal". (For example, I don't think I have ever...
by daytona084
Sun Mar 11, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 4221

Re: Balsamic vinegar?

+1 on Fustini's
by daytona084
Sun Mar 11, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Investing spreadsheet or software?
Replies: 17
Views: 1852

Re: Investing spreadsheet or software?

If your decade-old Quicken is working fine for you, just install it on your new computer. Your license allows you to do this.
by daytona084
Wed Mar 07, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1282

Re: Net Worth Template

Very nice and pretty. If you want to actually "track" net worth over time, you would have a column for every month (or week or year, whatever your time interval). I do it the opposite way, with the accounts across the top and an one row for each month.
by daytona084
Wed Mar 07, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3674

Re: What if you have a poorly rated car?

Consumer Reports bases their choice of "cars to avoid" mainly based on what they call "reliability". Their ratings are all based on comparison to "average". Ratings range from "much worse than average" to "much better than average". What they bury in the fine print is that "average" reliability has ...
by daytona084
Wed Mar 07, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1282

Re: Net Worth Template

I created a net worth spreadsheet somewhere around 1986 when I got my first PC. This was back when the flagship spreadsheet program was Lotus 1-2-3. It was (and still is) a no-brainer - no need for a template. I also went back and entered the numbers going back to "day one" (1975). The spreadsheet (...
by daytona084
Wed Feb 21, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 43
Views: 9097

Re: Horrible Experience with Ally New Account Opening Process

I don't get it. You are depositing money with Ally, not getting a loan, right? Why is the customer's credit report even applicable?

I opened an Ally account years ago (checking and saving) with no issues whatsoever. That was before I froze my credit.
by daytona084
Wed Feb 21, 2018 4:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Next Meeting March 3rd, 2018. "Bogleheads 101"

This is a reminder - Next Meeting in 10 Days - March 3rd - 10:30 AM Several members expressed interest in a "Bogleheads 101" presentation. So, that will be the topic at the next meeting March 3rd. Keith has volunteered to lead the discussion with a presentation entitled "Letters to My Son", which wi...
by daytona084
Sat Feb 17, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 4459

Re: Mixing fuel octanes for cars

Back in the day, Sunoco offered eight grades of gasoline from "sub-regular" 190 to "super premium" 260 (actually 102 octane). The pump just mixed the 190 and the 260 to produce the other 6 grades in between. There were not eight tanks in the ground. So, yes, mixing two grades is a completely valid t...
by daytona084
Sun Feb 11, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: U-Haul Investors Club
Replies: 14
Views: 3350

Re: U-Haul Investors Club

(knock at the door)... "I'm sorry, there's bad news. U-Haul defaulted on your investment. But not to worry, your loan is 'asset-backed'. Where would you like us to put these 12,000 furniture dollies?" :happy
by daytona084
Fri Feb 09, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 27
Views: 3786

Re: Quicken Alternatives

Quicken 2017 download services will work thru April 2020.
by daytona084
Mon Feb 05, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2718

Re: Internet Speed 15Mbps okay ?

We have nominal 10Mbps (actually getting about 8 Mbps when measured) and we can everything (including Netfilx) works fine.

Edit: I could also add that some time ago we had "Economy" internet (3 Mbps!) and Netflix "worked" but we had to drop down a notch on quality (720P I think).
by daytona084
Wed Jan 24, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 4737

Re: Excel for Personal Finance Accounting ?

The OP's goal is to "to reconcile and maintain our deposit and credit card accounts"... If that's all one wants to do, Excel (or any other spreadsheet) can do the job with ease. With or without a template to start with. On the other hand, to duplicate all the features in Quicken requires a relationa...
by daytona084
Sat Jan 20, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 32
Views: 5197

Re: Replace floor BEFORE or AFTER New Cabinets?

Our home was built new in 2003. The builder could have done whatever he wanted. The floors (hardwood) were put in first and the cabinets sit on top of the floor. The only type of "flooring" that goes in last is carpet. As mentioned, the dishwasher could not be installed or removed if the floor were...
by daytona084
Sat Jan 13, 2018 3:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Next Meeting Planned for March 3, 2018

Hello KK2020,

The next meeting is planned for March 3, 2018, same time and location as previous meetings. You are welcome to attend!

Send email to detroitbogleheads@yahoo.com if you want to be added to our mailing list.
by daytona084
Thu Dec 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Looking for an ultra-simple note taking app (Android)?
Replies: 12
Views: 885

Re: Looking for an ultra-simple note taking app (Android)?

Google Keep -

I like it because it's always available and sync'ed no matter which device I'm using - phone, tablet, or PC.
by daytona084
Sun Dec 10, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 2233

Re: Best Parmesan Cheese for Salad

The only true "Parmesean Cheese" is Parmigiano-Reggiano. It comes from specific provinces in Italy. European law classifies the name, as well as the translation "Parmesan", as a protected designation of origin. Anything else is an imitation. You can read a brief summary on Wikipedia: https://en.wiki...
by daytona084
Sat Dec 02, 2017 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1462

Re: Local Chapters - What to Discuss / What's the Point?

Thanks everyone. I did not think of checking what's on line in the local chapter threads, so that should be a big help. Lynnette - thanks for the kind words - we miss you! We have considered other locations but two problems - (1) most have a dollar cost associated. At a minimum we would have to take...
by daytona084
Fri Dec 01, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 4515

Re: I'm 100% international with VEU. Is this wise?

Basically you are talking about market timing. You are betting on higher returns for international than for US equities. You might be right or you might be wrong. Time will tell.

My investment policy statement does not instruct me to make changes based on PE ratios. So I don't pay attention.
by daytona084
Fri Dec 01, 2017 1:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1462

Re: Local Chapters - What to Discuss / What's the Point?

Do local chapter meetings also follow the rule of no political discussions? I would definitely not go if politics ever came up. I don't believe I have seen any rules from the mother ship for local chapter meetings. I do not recall politics coming up in any local chapter meeting I have attended, but...
by daytona084
Fri Dec 01, 2017 11:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1462

Re: Local Chapters - What to Discuss / What's the Point?

Thanks for the replies! I edited the OP to include: Based on the first few responses it seems my question was mis-stated or misunderstood. The dilemma is not deciding whether to attend my local chapter. I am actually one of the organizers. The problem is how to keep the local chapter "alive" given t...
by daytona084
Fri Dec 01, 2017 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1462

Local Chapters - What to Discuss / What's the Point?

Here is my dilemma. One of the main advantages of Boglehead style investing is to set up your plan and then stay the course. You avoid the noise, the financial news, the angst about day-to-day market fluctuations, what might happen in the future, etc. So a local chapter should be kind of the opposit...
by daytona084
Fri Dec 01, 2017 10:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 46
Views: 15823

Detroit Area Bogleheads - Next Meeting Saturday December 2

Our next meeting will be Saturday December 2nd, 2017 10:30 AM to 12:00 Noon For this meeting we are planning a discussion, led by our resident expert Jason: "Roth Conversions" . Normal version; Horse Race version Leap Frog version Please come prepared to join the discussion with like-minded people, ...
by daytona084
Sun Nov 26, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 4016

Re: The annoying insistence on frivolous credit checks/pulls

Regarding mobile phones: You can avoid the need for a credit check by just using "prepaid" plans. You purchase your phone and own it outright. Then purchase the service separately,. I find the total cost of prepaid to be lower than the contract plans.
by daytona084
Mon Nov 20, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 20336

Re: Dave Ramsey says don't use credit cards, even if you pay them off

We use credit cards for everything. In our entire life, We have always paid off every credit card every month. So in effect we delay payment for everything we purchase by about 6 weeks. Have I ever said to myself, "you know I don't have the funds to buy this right now, but I will have the money in 6...
by daytona084
Sun Oct 01, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any advice on moving my company 401k?
Replies: 17
Views: 1947

Re: Any advice on moving my company 401k?

Over the years, the large company that I worked for changed from an (apparently) "home brew" 401k, to State Street, then to Fidelity, and now it's in T Rowe Price. My assumption is that representatives of these firms came knocking on the door, looking to snag the business. If Vanguard wants your bus...