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rotorhead

OP, I have no experience actually using the Dual Sim features of the phone, but I have had a Samsung S8 Duos for about 8 months now; and it is very good phone. The phone I got was actually manufactured for use in UAE; so I can understand its usefulness in area like that. I use the extra slot for Mic...

rotorhead

My wife's 2002 RX300 just passed 100,000 miles few months ago; and she is still very pleased with it. The car still looks new. It was replacement for her 1994 ES300 Anniversary Edition. That was a beautiful car. Lexus do make fine cars; but they are not impervious to failure. Guess we were just unlu...

rotorhead

I have no experience with Mint Mobile; but we switched 6 years ago from AT&T to Consumer Cellular, and haven't looked back since. They use the AT&T &T-Mobile networks, so the coverage and speed is good pretty much everywhere. Presently 3 phones on the plan, plus 2GB data use per month at $60 + taxes...

rotorhead

Batman2020, that 70k is not going to generate a lot of income; but it might be enough depending on her overall situation. Since her investment is in taxable account, consider the Vanguard Intermediate Tax Exempt Bond Fund, VWITX. https://investor.vanguard.com/mutual-funds/profile/overview/vwitx It's...

rotorhead

Hello FlatPicker, and welcome to the forum. No need to move any funds to MMF to fund RMD in my opinion. Stay invested, and continue to take advantage of the market; and just do it directly from your Vanguard Target 2020 Fund. I am in my 8th year of RMD now. My account is with Fidelity; and I have my...

rotorhead

Some good recommendations above, especially the Fisher House.

Here is helpful link for more info. http://www.military-money-matters.com/c ... tings.html

rotorhead

Captain Marvel, if you switch to Consumer Cellular, the answer to all your questions is yes. We have been CC customer for nearly 6 years now; and could not be more pleased with the service and the plan. We currently have 3 phones on the plan, with unlimited talk and text + 3 GB data per month, for t...

rotorhead

Type in "Honeywell Thermostat Parts" in you web browser's search bar. You'll get enough hits to keep you busy for hours.

rotorhead

Re: Does the Average Homeowner Need a Water Shut Off Valve Unread post by 3-20Characters » Thu Oct 24, 2019 5:00 pm TBillT wrote: ↑Thu Oct 24, 2019 4:15 pm Not a bad idea pending more research. We had a crazy thing happen last summer, when we went on vacation, I manually turned the house water off....

rotorhead

AutoTrader.com is a very good resource for locating cars for sale. Many of the listings include free carfax as well.

https://www.autotrader.com/

rotorhead

Don't understand all the anguish in this post by the OP. Living expenses don't magically change category after retirement; except perhaps those directly associated with one's employment - clothing, shoes, dry cleaning, fuel and repairs for autos, etc. You got to eat, you got to have a place to live,...

rotorhead

Here's one more recommendation for Nomorobo. We live in South FL, in an area code that is a favorite target for scam calls; and it's become a real hassle. I'm not convinced the Feds & the phone companies can't do something about it if they want to; but that's another matter. We have free subscriptio...

rotorhead

R2D2, we are 24-year residents of Palm Beach County, FL; and the tax disparity between homes of similar value is quite significant. Some years ago, the FL Legislature passed a law called "Save our Homes Act". Without getting into the details, its purpose was to prevent property taxes from rising too...

rotorhead

The movie and TV spoofs were terrific.

"Vera's Cruz", and "The Six Million Dollars, Man"!

rotorhead

We presently have 23 year old fridge and dishwasher that I have repaired and upgraded myself. Not that hard if you are so inclined.

Website https://www.appliancepartspros.com/ is a great resource for do it yourselfers.

rotorhead

No comment on wisdom of using HELOC to pay for grad school; I'll leave that to others.

We have HELOC with Third Federal for nearly 3 years now; good rate, easy to deal with. Certainly would recommend them.

rotorhead

I e-filed after the HRB update in early February. Pretty ordinary return this year; nothing elaborate with the new tax laws -student college expenses + American Opportunity Credit. Got my refund a week later .

rotorhead

Good old Levi's 501's. Fit great, even for us older guys; and look better the older they get. Impossible to wear out.

rotorhead

What a great interview. I love Don McLean! He sounds like the kind of guy I'd like to spend some time with, just talking about nothing, but everything; and drinking lots of good stuff in the process! A real down to earth guy, with a real head on his shoulders. I remember very well "The Day The Music...

rotorhead

albiero13, you are a great father for wanting to do this. But, really bad things can happen from good intentions. If you take loan from your 401k, you will not be able to make contributions while the loan is outstanding; and therefore, will miss out on the company match. Really bad idea. Better to t...

rotorhead

OP, I would change a 30-yr old water heater out for a new one without a second thought; especially one mounted upstairs. Changing the anode won't solve the possibility that the bottom could be rusted enough to fall out at anytime. Water heaters are not that expensive; and this is one home appliance ...

rotorhead

I e-filed our return on Feb 15th, after having been cautioned by H & R Block that some returns "could be delayed" if filed before downloading the "new update" on that date. I downloaded the new update that morning, filed our return that afternoon; and received email from my bank that refund deposit ...

rotorhead

Re: Anyone tired of the stock market going up? Post by nedsaid » Fri Nov 24, 2017 2:52 pm TheTimeLord wrote: ↑Fri Nov 24, 2017 2:26 pm I may be the only person in the world that feels this way but I need to express this emotion. I am just tired (maybe even exhausted by) of the stock market going up...

rotorhead

Re: Question re 1098-T Post by OnTrack2020 » Tue Feb 19, 2019 7:41 pm rotorhead wrote: ↑Tue Feb 19, 2019 6:29 pm Ontrack2020, I'm not sure how many schools are "on the mark" in their accounting, and preparation of these forms. There is a "Box 7" on the 1098-T for current year payments that are appl...

rotorhead

Ontrack2020, I'm not sure how many schools are "on the mark" in their accounting, and preparation of these forms. There is a "Box 7" on the 1098-T for current year payments that are applicable to next year tuition and fees. If the school is doing everything exactly correct, the amount in Box 1 will ...

rotorhead

maryelai, Good question you asked here. I've been customer of Fidelity for more than 30 years, first through my company's 401k; and then directly after rolling the 401 over. Have been totally satisfied with them. I am Private Client status; and meet with my adviser once a year. We have a cup of coff...

rotorhead

We have had credit freeze with all three agencies for several years; and have never heard of a PIN "expiring." Never had any issue in unfreezing when necessary. Retrieving a lost or forgotten PIN is a different matter. I have file with all agencies freeze info in it, together with ID's and PINS. Nev...

rotorhead

Re: Tax Implications - US Citizen working 6 months in Canada Unread post by ivk5 » Sat Feb 16, 2019 3:34 pm It sounds like you have a tax equalization arrangement whereby your employer is shielding you from the tax impact of the international assignment. So indeed you should end up (at least to a c...

rotorhead

sd323232, Re: 2 years in community college, then transfer? need opinion please Post by radiowave » Sat Feb 09, 2019 6:54 pm For those reading this thread with children in high school who are getting ready to go to college, one good strategy is to take advanced placement courses for college credit in...

rotorhead

Sears Diehard is the way to go. Good batteries at reasonable prices.

May be collector's item soon.

rotorhead

OP, i wouldn't get too worked up over the 70/30 allocation just yet. Just focus on the costs. As it's been stated on this forum ad infinitum, "Costs matter." You might start by just asking your Dad if he's given much thought to how much the adviser's assistance is going to cost over time. If he answ...

rotorhead

If you haven't seen anything about them before, take a look at Consumer Cellular. https://www.consumercellular.com/Plans . They have plans & a couple of phones well suited for older people who don't require many services, but want the convenience of a cell phone. If you don't like their phone select...

rotorhead

radiowave, ralph124cf is exactly correct. Bogleheads Wiki: https://www.bogleheads.org/wiki/Main_Page Top ralph124cf Posts: 2082 Joined: Tue Apr 01, 2014 12:41 pm Contact: Contact ralph124cf Re: Automatic withdrawal/RMD processing from brokerage Post by ralph124cf » Mon Jan 28, 2019 12:30 am I can on...

rotorhead

Jerry55, I wouldn’t be too quick to recommend your girlfriend move her 403b account to Vanguard. Fidelity offers some perfectly good funds, at competitive ER’s. I’ve been satisfied customer of Fidelity for more than 35 years; first via my company’s 401k, and then some years after retirement, I rolle...

rotorhead

rotorhead

Re: Refurbished iPhones from Amazon Post by catdude » Fri Jan 18, 2019 6:40 pm Thanks again y'all for your feedback. I just went ahead and ordered the 7 from Consumer Cellular. Their price of $300 is a heckuva lot better than Apple's price of $449. I don't need all the bells & whistles of the newer...

rotorhead

i wouldn't buy a refurbished phone from anyone. Just not worth the risk in my opinion. Amazon is just a front for the real sellers; and don't add any value to the transaction. Go to E-bay, and do a search for iPhone or Android, whichever you prefer. Look for "factory unlocked" phones. There are plen...

rotorhead

Indymac1941, there was a discussion thread on this subject last year. Here is link to my response at the time. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=256848#p4076168 . If you review the entire thread, you will see a variety of opinions. As Taylor is fond of saying, there are many roads...

rotorhead

Take a look at [url][https://www.appliancepartspros.com/?gcl ... dzsEHOwurl]

Very helpful site. I've had considerable success with their help.

rotorhead

lomerica01, there was a discussion thread on the Fidelity Portfolio Advisory Service a few months ago. Here is link to my comment at the time: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218762#p3989058 . I suggest you read the whole thread as well. I meet with my Fidelity adivsor once a y...

rotorhead

Rick, I have very much enjoyed reading your contributions to the Bogleheads forum over the years; and have learned a lot. The simple approach is really the best for most of us. But the importance of knowing one's risk tolerance is key to the whole exercise. Determine risk tolerance, pick a portfolio...

rotorhead

Re: 2-year CDs at Vanguard and Fidelity Today Unread post by garlandwhizzer » Mon Oct 01, 2018 9:39 pm I'm not interested in CDs for a number of reasons, lack of instant liquidity without penalty being one of them. What if rates go up as they are expected to do (about 1% over the next 12 - 15 month...

rotorhead

I'm not sure I understand the OP's concern at lack of information presented on the chart in question, which by the way, is not a bond fund. The chart shows the total return of $10,000 invested in the fund on 09-30-2008, and held to 09-29-2018. It does not reflect subsequent purchases and sales durin...

rotorhead

Re: ST bond funds by vineviz » Sat Sep 29, 2018 6:10 pm boater07 wrote: ↑Sat Sep 29, 2018 5:35 pm I have been satisfied with the ltd term tax exempt VMLUX. However, I don't need the exemption in my 12% bracket. What taxable fund would give similar returns. I'm in late retirement and don't need to t...

rotorhead

OP, my Mega Corp 401k was managed by Fidelity, so I've been customer of theirs for over 35 years. Rolled it into a Rollover IRA few years after retirement and haven't looked back. Never had a problem. Their website is a little busy for my tastes; but they serve a wide variety of clients, so I unders...

rotorhead

Interesting post. Op, if you have never seen it, I suggest you find a copy of the movie, The Producers, and watch it. It was produced by Mel Brooks; and stars Zero Mostel and Gene Wilder. One of the funniest ever. Might not help you with your investment decision; but it's truly well worth watching f...

rotorhead

tennisplyr, I am in my 7th year of RMD now; and have developed a system that works well for us. As it happens, with my pension and SS, we haven't had to withdraw more than the minimum except for one year (new roof!). My account is with Fidelity; and I have it set up so that withdrawal is on the 20th...

rotorhead

My wife is billed quarterly & pays with her Master Card. Worked very well so far. No fees.

rotorhead

Long term satisfied Consumer Cellular customer here. Currently have 2 iPhone 6 & 1 Samsung S5 on the plan at $80 per month + taxes and fees for unlimited voice and text; and 10 GB data. They use the AT&T network and we've never had any problems with reception. We use WhatsApp mostly for messaging; b...

rotorhead

Long term member of AAA here. Discounts offered by hotels, rental cars, etc, are OK; but we have it for the roadside assistance. If you're ever a long way from home with a major auto malfunction, you'll be happy you have it.

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