Search found 747 matches

by Sconie
Mon Nov 11, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be audited?
Replies: 34
Views: 2571

Re: Will I be audited?

I don't think there is anyone left working at the IRS to audit you. I think it has been gutted... Uh, no..... Internal Revenue Service Federal agency DescriptionThe Internal Revenue Service is the revenue service of the United States federal government. The government agency is a bureau of the Depa...
by Sconie
Sat Nov 09, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 86
Views: 6809

Re: Should I buy the family cottage?

I'd buy it. In terms of handling family "resentment," I would be prone to discuss with your Dad-----having your Dad-----inform your siblings that it is your intention to buy it and to hold on to it (keep it in your family)----what the price is that you are going to pay----and that is what is going t...
by Sconie
Sat Nov 09, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 53
Views: 4926

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

I think it is fine to meet with and talk with your old boss-----maintain a good, open, relationship-----and see what happens. That said, there is a reason(s) you left your former employer and I believe that it would be advisable/a good idea to give your new employer some time-----a chance-----before...
by Sconie
Fri Nov 08, 2019 5:29 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 345
Views: 37337

Re: Best CD rates thread

I stumbled on one hurdle in the process of the application. It's asking to upload my DL but each time I try to upload it, I keep getting the same pop-up message "The file you're trying to upload is not of the approved format" or something like that. I tried PDF, JPG, and DOC. None goes through. I a...
by Sconie
Thu Nov 07, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 36
Views: 2248

Re: Amica - Auto Policy, only 6 months

Random Poster wrote:
Wed Nov 06, 2019 5:03 pm


That said, I'm not sure who still offers 1-year auto policies anymore.
1 year policy----Arizona, AARP/Hartford.
by Sconie
Thu Nov 07, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 36
Views: 2248

Re: Amica - Auto Policy, only 6 months

I think they all do that now. A little off topic, but I have always read great things about Amica. Having said that, their rates are never competitive. I have great credit and a clean driving record. What am I missing? Same experience here-----clean record and excellent credit rating and Amica has ...
by Sconie
Fri Nov 01, 2019 8:51 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1452

Re: Reduce oil/coal investments seeing as they are doomed

First ask yourself "Do you know something that everyone else doesn't know?". If not, assume that everything you said is already represented in the current price. Exactly. The S&P 500 Energy sector, as a percentage of the total S&P 500, about half of what it was back 30 years ago. The relative decli...
by Sconie
Fri Nov 01, 2019 8:41 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1452

Re: Reduce oil/coal investments seeing as they are doomed

You might want to review the latest projections, through the year 2050, from the U.S. Energy Information Agency. Big-time growth in natural gas, but still lots of oil and coal being used----granted, coal declining as a percentage: https://www.eia.gov/outlooks/aeo/pdf/aeo2019.pdf The European Union i...
by Sconie
Fri Nov 01, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Slippery Soles
Replies: 2
Views: 325

Re: Slippery Soles

IIRC, the likes of 3M, Kiwi, etc., have shoe sole "treads" available that provide additional grip for footwear.
by Sconie
Thu Oct 31, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: Climate change and the muni bond market
Replies: 11
Views: 1070

Re: Climate change and the muni bond market

Thanks Garland. Interesting article, however, I just don't see it as an issue. As others have commented, the reality of the last several decades demonstrates that there is a huge gap between the political-environmental rhetoric and what has, in fact, happened.
by Sconie
Wed Oct 30, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to build a house?
Replies: 28
Views: 2789

Re: Cost to build a house?

Price the cost of a comparable nearby existing house (excluding the land you already have). Multiply the cost of the existing house by 2 to 4 times to get the general cost of building from scratch. Hmm......while pricing comparable existing nearby homes is an excellent suggestion, multiplying/incre...
by Sconie
Tue Oct 29, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3431

Re: Part D - thinking of shifting to Walmart

I'm a "Snowbird" and use Walmart both here in Arizona and Houghton in the U.P. of Michigan----both locations provide excellent, prompt, service. The fact that Walmart is nation-wide is a plus, as is their ability to transfer scripts between locations.
by Sconie
Mon Oct 28, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2895

Re: Furnace air filters

My furnace filter compartment is designed for only 20X25X5 filters and the cheapest I can find are ~$30. Fortunately they last 6 months. I get them at Menard's I have the exact same situation and have had good luck using----and leaving in place----a 20x25x4 filter, with a (another) 20x25x1 directly...
by Sconie
Sun Oct 27, 2019 6:51 pm
Forum: Personal Investments
Topic: Questions for potential new employer
Replies: 18
Views: 964

Re: Questions for potential new employer

I work on the employer side of these discussions. Here are my thoughts: You've outlined a good list of things to ask about. Though, I would include employee stock participation plans (ESPP), sabbaticals, and loan repayments, and pay increase schedule/approach to your list of questions. On a related...
by Sconie
Sun Oct 27, 2019 10:06 am
Forum: Personal Investments
Topic: Best place to park money to be used in 3 years.
Replies: 10
Views: 1643

Re: Best place to park money to be used in 3 years.

lakpr wrote:
Sun Oct 27, 2019 10:03 am
Wricha wrote:
Sat Oct 26, 2019 9:21 am
PSECU has a 3.25% 3-year CD
+1 to this, especially for a 3-year horizon. This is an offer 38% better than anything available elsewhere, including the brokerage firms' money market offerings.
+2!
by Sconie
Sun Oct 27, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1443

Re: Is drive up storage worth the cost?

This all revolves around how long the stuff will be in storage, doesn't it? And what the mover's charge? A 10 x 10 storage shed should only take an hour or so to stack stuff in or take stuff out of. Will an elevator make that 2 hours? And, I would add, how "valuable" the items being stored are to L...
by Sconie
Sun Oct 27, 2019 10:01 am
Forum: Personal Investments
Topic: Asset Allocation
Replies: 22
Views: 1367

Re: Asset Allocation

I am getting close to retirement and would like some opinions on my choices. I'm 61 hoping to retire next year. I am conservative and would like to be at a 30/50/20 allocation. I'm not a big picker and want to keep it simple. I would like to use the fidelity fxaix 500 index fund as my sole source f...
by Sconie
Sun Oct 27, 2019 9:59 am
Forum: Personal Investments
Topic: Questions for potential new employer
Replies: 18
Views: 964

Re: Questions for potential new employer

Think you've pretty much covered it, however, I suspect most of your questions are something that an HR-Benefits type person are going to answer. Then too, if I were you, I wouldn't generally be asking until I had a firm offer in hand.
by Sconie
Sun Oct 27, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: An Interesting Price Comparison
Replies: 5
Views: 643

Re: An Interesting Price Comparison

Wow----don't know what the item is, however, your post is a good reminder to always be aware of the price-value relationship----and that it is smart to check/compare pricing with alternative sources of information.
by Sconie
Sat Oct 26, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3971

Re: Flagship clients no longer have a personal rep

My Flagship Personal Rep "disappeared" from my Vanguard account page about 2 months ago.
by Sconie
Sat Oct 26, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6286

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

Have you thought about getting one of those back-up battery "jump packs?" There are quite a few, various, brands available----Noco, DB Power, etc., come to mind----just check the likes of Amazon. Just toss one in your glove compartment or trunk----check the charge every 3 to 6 months or so----and if...
by Sconie
Wed Oct 16, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D provider help-Wellcare Wellness
Replies: 39
Views: 2773

Re: Medicare Part D provider help-Wellcare Wellness

I've used Wellcare for Part D coverage a couple of time and, in fact, am presently enrolled with them. In my experience, their service is fine----no problems. That said, for 2020, I'll be switching-back to Humana and their Walmart plan, but that's just because I can (in terms of total cost) realize ...
by Sconie
Sun Oct 13, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Office etiquette - gift to ex boss?
Replies: 10
Views: 749

Re: Office etiquette - gift to ex boss?

I bet that a nice, hand-written, note expressing you appreciation for his/her help and guidance would be very much appreciated.
by Sconie
Sun Oct 13, 2019 5:13 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 1957

Re: How to prevent shoe creases?

I guess I'd be surprised if----all things being equal----others are really assessing-judging you and your appearance based on whether or not there are creases in your leather shoes. Just my "two cents."
by Sconie
Sun Oct 13, 2019 5:09 am
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 82
Views: 10784

Re: GE Pension Buyout

I'd go with #3.
by Sconie
Sun Oct 13, 2019 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Home Inspector vs Independent Contractors
Replies: 9
Views: 742

Re: Home Inspector vs Independent Contractors

I suspect it always comes down to cost versus benefit. If there is a specific item that is obvious to a prospective purchaser &/or is highlighted during a general inspection, it "might" be worthwhile pursuing, otherwise, possibly not. YMMV.
by Sconie
Sat Oct 12, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5269

Re: Should I invest in a ski in / ski out condo?

The snow ski "market" has been stagnate for well over a decade and it is questionable whether the future will bring much change: https://www.travelweekly.com/Travel-News/Hotel-News/How-to-attract-more-skiers-Operators-contend-with-decline Unless there is a compelling argument(s) in favor of making t...
by Sconie
Sat Oct 12, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security COLA will be 1.6%
Replies: 13
Views: 2093

Re: 2020 Social Security COLA will be 1.6%

fru-gal wrote:
Fri Oct 11, 2019 1:49 pm
Then the Medicare premiums increase...
The government givith and the government taketh away.... :moneybag
by Sconie
Sat Oct 12, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6224

Re: Hotel mini bar - rude to use for own stuff

I think it's fine to use the mini-bar fridge. Hey, you're paying for the room-----it's yours-----and if they don't like it, ask them to remove THEIR refrigerator from YOUR room.
by Sconie
Sat Oct 12, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer shopping: Best Buy cheaper than Costco
Replies: 20
Views: 1545

Re: Washer/Dryer shopping: Best Buy cheaper than Costco

jt55 wrote:
Sat Oct 12, 2019 9:07 am
Take it for what it's worth, but did you check out Speed Queen? They're expensive but they'll probably be the last ones you'll ever buy. They're built like the old Maytags. My SIL picked up a washer on FB marketplace.
jt55.....you "nailed it" with the Speed Queen recommendation!
by Sconie
Sat Oct 12, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6878

Re: Vanguard keeps pushing their financial advisors...why?

fwellimort wrote:
Fri Oct 11, 2019 5:20 pm
Yes, Bogle revolutionized investing. Sure. But Vanguard is not Bogle. Don't confuse a person with a company.
Well said!
by Sconie
Fri Oct 11, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6878

Re: Vanguard keeps pushing their financial advisors...why?

The principals are well-paid, on par with industry standards for asset management. I believe, I read somewhere a few years ago, the chairman earned over $10 million in one year. And I suspect that no one begrudges the leadership of Vanguard excellent, competitive, compensation. That said, the exten...
by Sconie
Fri Oct 11, 2019 3:06 pm
Forum: Personal Investments
Topic: Please criticize my plan to go from cash to Total bond
Replies: 6
Views: 1581

Re: Please criticize my plan to go from cash to Total bond

Not much downside (at least in terms of a potential capital loss) if you stick with short to intermediate term CDs. Some excellent rates----of late----at various credit unions. Something you may want to consider pursuing.
by Sconie
Fri Oct 11, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6878

Re: Vanguard keeps pushing their financial advisors...why?

I know I can delete these weekly emails from Vanguard, I am just wondering why they recently started pushing this, and if any other changes are in the works at Vanguard. Anyone know? Like other businesses, they are trying to increase revenue. And why are they so intent on increasing revenue? They’r...
by Sconie
Fri Oct 11, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6878

Re: Vanguard keeps pushing their financial advisors...why?

Seems to me that Vanguard isn't quite as altruistic as some of the members of this forum think it is. My feeling as well. I suspect that PAS is an incredibly profitable service for Vanguard to offer/sell. Unfortunately, Vanguard no longer seems to be the unselfish and altruistic financial organizat...
by Sconie
Thu Oct 10, 2019 4:51 am
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 40
Views: 4438

Re: Do You Think Vanguard Will Join The No Commission Party?

The vast majority of ETFs are already commission-free at Vanguard and I can't imagine anyone heavily into individual stocks, options or futures would ever trade them at Vanguard anyways. So my guess is no. They're already commission-free for the types of securities the typical Vanguard customer wan...
by Sconie
Wed Oct 09, 2019 5:21 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169459

Re: What Book Are You Currently Reading? Part VI

Pegasus Bridge , by Stephen E. Ambrose. This is about one reinforced Company of glider troops of the British 6th Airborne Division on D-Day. The first Allied troops to land in Normandy, on the night of June 5-6, 1944 they captured bridges over the Orne River and Canal intact, preventing counteratta...
by Sconie
Wed Oct 09, 2019 5:07 am
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3562

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

Haha-----you're looking for a "consistent" explanation/recommendation! No such animal OP. That said, I'd guess that 20% comes about as close to "consistent" as anyone is going to get. Good wishes!
by Sconie
Wed Oct 09, 2019 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2658

Re: Making money with oversized rooftop solar system?

one thing you are missing potentially is whether those rates you can sell for are guaranteed. if not, in 2 years its possible they change what the rates are and you make far less than you thought you would Exactly! Not sure where you are located, however, I've seen "supposedly guaranteed" sell-back...
by Sconie
Sat Oct 05, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: 2 Factor Authorization failures
Replies: 22
Views: 2006

Re: 2 Factor Authorization failures

Well, I've had the same, if not a similar, type of problem. I spend summers up in northern MI, on Lake Superior, at my cottage, where I use a landline inasmuch as cell phones just do not work----yet, down in Arizona, a cell phone is all I have and use----no landline. I'm forever having to go back an...
by Sconie
Sat Oct 05, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? New to this stuff
Replies: 33
Views: 3996

Re: What would you do? New to this stuff

Yep----another one for paying down the student loans.
by Sconie
Sat Oct 05, 2019 6:19 am
Forum: Personal Investments
Topic: Investing in tax exempt bonds over paying down mortgage?
Replies: 12
Views: 808

Re: Investing in tax exempt bonds over paying down mortgage?

It is somewhat of a wash from the standpoint of economic return unless you start adding equities (and an assumed better long term return) to the mix. That said, my preference would be to pay-off the mortgage, but maybe that's just me----I prefer to own "all" of something or a little of something and...
by Sconie
Fri Oct 04, 2019 5:35 am
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

How could one possibly need $220K to move?! This is just a huge signing bonus, no? I had a similar thought-----then I pondered the costs of buying and selling homes (in two very expensive areas no less), possible mortgage differentials, temporary living costs, relocation "scouting" trips, permanent...
by Sconie
Fri Oct 04, 2019 4:30 am
Forum: Personal Investments
Topic: Registered Investment Advisers typical fees
Replies: 10
Views: 1130

Re: Registered Investment Advisers typical fees

edvest-----my suggestion is neither. Just hang around here for awhile and, in the process, save yourself some real coin. :wink:
by Sconie
Thu Oct 03, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking thoughts on constructing and storing household inventory (with photos)
Replies: 11
Views: 989

Re: Seeking thoughts on constructing and storing household inventory (with photos)

I think it is smart to do an inventory and document what you have, etc., however, I would urge caution in terms of deciding who gets what. As a wise individual (somewhat inelegantly) commented, "Your kids don't want your stuff----they want their own stuff." As an alternative, how about if you divide...
by Sconie
Thu Oct 03, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2061

Re: Pest Exterminator DIY

Down here in AZ I've had success using:
-Tempo Ultra WP insecticide
-Taurus SC temiticide
I've found that both are effective and MUCH more cost effective than using a service.
by Sconie
Thu Oct 03, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7812

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

A Vanguard advisor will have no personal relationship with you. My parents had an advisor who didn't do much for their portfolio and charged huge fees. But they alerted us kids when my mom got demented, helped us find people to move my parents out if a NY apartment within a very narrow time frame, ...
by Sconie
Sun Sep 29, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3243

Re: Salt-Free Water Softeners

In my experience, non-salt water softeners just don't work all that well. What these "non salt" systems actually do is not soften the water----rather, they change the calcium and magnesium in your water, making "harder" crystals, with the result that the minerals are less prone to precipitating out ...
by Sconie
Sun Sep 29, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher wants you to know that he cares...
Replies: 49
Views: 4469

Re: Ken Fisher wants you to know that he cares...

All true about marketing trumping investing skill with Fisher Investment. I have noticed Vanguard has been upping its advertising lately too, especially their PAS service which I have no interest. Well said SpringMan. Every time "you turn around" with Vanguard it's PAS.....PAS......PAS. Quite tacky...