Search found 462 matches

by rotorhead
Sun Jan 12, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1806

Re: Recommend Dual SIM smartphone please

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...
by rotorhead
Sun Jan 12, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: 2020 Lexus RX 350L Advice
Replies: 29
Views: 3981

Re: 2020 Lexus RX 350L Advice

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...
by rotorhead
Sun Jan 12, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Switching from AT&T to Mint Mobile, any drawbacks?
Replies: 34
Views: 2574

Re: Switching from AT&T to Mint Mobile, any drawbacks?

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...
by rotorhead
Wed Dec 18, 2019 10:16 am
Forum: Personal Investments
Topic: Income funds - helping out Mom
Replies: 24
Views: 1287

Re: Income funds - helping out Mom

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...
by rotorhead
Mon Dec 16, 2019 4:14 pm
Forum: Personal Investments
Topic: RMD Funding Question
Replies: 10
Views: 854

Re: RMD Funding Question

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...
by rotorhead
Tue Nov 12, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 19
Views: 943

Re: Organization supporting Veterans - Donation

Some good recommendations above, especially the Fisher House.

Here is helpful link for more info. http://www.military-money-matters.com/c ... tings.html
by rotorhead
Mon Nov 11, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Questions re mobile virtual network operators (MVNOs)
Replies: 7
Views: 413

Re: Questions re mobile virtual network operators (MVNOs)

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...
by rotorhead
Sat Nov 09, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 500

Re: Website for Honeywell Thermostat parts?

Type in "Honeywell Thermostat Parts" in you web browser's search bar. You'll get enough hits to keep you busy for hours.
by rotorhead
Thu Oct 24, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 6028

Re: Does the Average Homeowner Need a Water Shut Off Valve?

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....
by rotorhead
Wed Oct 23, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Is there a free Carfax available?
Replies: 27
Views: 2699

Re: Is there a free Carfax available?

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/
by rotorhead
Thu Oct 10, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 7119

Re: What are the essential and discretionary expenses in a retirement budget?

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,...
by rotorhead
Fri Sep 06, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3340

Re: Whether to change phone number for elderly parents

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...
by rotorhead
Fri Aug 09, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Property taxes in Palm Beach County, FL
Replies: 12
Views: 1065

Re: Property taxes in Palm Beach County, FL

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...
by rotorhead
Sat Jul 06, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2613

Re: No more print Mad magazine

The movie and TV spoofs were terrific.

"Vera's Cruz", and "The Six Million Dollars, Man"!
by rotorhead
Fri Jun 14, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 4093

Re: Do you repair your own appliances?

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.
by rotorhead
Fri Jun 14, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: HELOC Options
Replies: 19
Views: 1693

Re: HELOC Options

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.
by rotorhead
Mon Mar 25, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block updates? do you wait to file?
Replies: 14
Views: 1162

Re: H&R Block updates? do you wait to file?

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 .
by rotorhead
Mon Mar 25, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3840

Re: Nice men's jeans

Good old Levi's 501's. Fit great, even for us older guys; and look better the older they get. Impossible to wear out.
by rotorhead
Mon Mar 25, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Don McLean
Replies: 11
Views: 2750

Re: Don McLean

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...
by rotorhead
Tue Mar 05, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: 401K loan to help son in college?
Replies: 27
Views: 1516

Re: 401K loan to help son in college?

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...
by rotorhead
Thu Feb 28, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: 30 year old water heater, should I be worried?
Replies: 73
Views: 5278

Re: 30 year old water heater, should I be worried?

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 ...
by rotorhead
Mon Feb 25, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Return rejected by IRS (anyone seen "processing issues" from HR Block?)
Replies: 22
Views: 3449

Re: Return rejected by IRS (anyone seen "processing issues" from HR Block?)

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 ...
by rotorhead
Wed Feb 20, 2019 11:10 am
Forum: Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 370
Views: 45400

Re: Anyone tired of the stock market going up?

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...
by rotorhead
Wed Feb 20, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Question re 1098-T
Replies: 17
Views: 789

Re: Question re 1098-T

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...
by rotorhead
Tue Feb 19, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 1098-T
Replies: 17
Views: 789

Re: Question re 1098-T

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 ...
by rotorhead
Sun Feb 17, 2019 1:04 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 54
Views: 7924

Re: Fidelity vs Vanguard

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...
by rotorhead
Sat Feb 16, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Credit Freezes
Replies: 19
Views: 2626

Re: Best Practices for Managing Credit Freezes

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...
by rotorhead
Sat Feb 16, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications - US Citizen working 6 months in Canada
Replies: 2
Views: 176

Re: Tax Implications - US Citizen working 6 months in Canada

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...
by rotorhead
Sat Feb 09, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6512

Re: 2 years in community college, then transfer? need opinion please

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...
by rotorhead
Tue Feb 05, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3979

Re: Auto Battery Prices

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

May be collector's item soon. :)
by rotorhead
Sat Feb 02, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to approach family member
Replies: 33
Views: 3042

Re: How to approach family member

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...
by rotorhead
Sat Feb 02, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cell phone and plan needed for elderly mom
Replies: 6
Views: 513

Re: Cell phone and plan needed for elderly mom

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...
by rotorhead
Mon Jan 28, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Automatic withdrawal/RMD processing from brokerage
Replies: 4
Views: 594

Re: Automatic withdrawal/RMD processing from brokerage

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...
by rotorhead
Sun Jan 27, 2019 12:43 pm
Forum: Personal Investments
Topic: Close Match to Wellesley or Wellington w/Fidelity
Replies: 26
Views: 3440

Re: Close Match to Wellesley or Wellington w/Fidelity

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...
by rotorhead
Mon Jan 21, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Refurbished iPhones from Amazon
Replies: 23
Views: 2249

Re: Refurbished iPhones from Amazon

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...
by rotorhead
Thu Jan 17, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Refurbished iPhones from Amazon
Replies: 23
Views: 2249

Re: Refurbished iPhones from Amazon

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...
by rotorhead
Thu Jan 10, 2019 11:48 am
Forum: Personal Investments
Topic: Monthly RMD from VG
Replies: 10
Views: 998

Re: Monthly RMD from VG

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...
by rotorhead
Tue Nov 27, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1817

Re: Any Refrigerator Repair Specialists in the House?

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

Very helpful site. I've had considerable success with their help.
by rotorhead
Sat Nov 17, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 5240

Re: interesting call with my 80yr old mothers Fidelity advisor

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...
by rotorhead
Sat Nov 17, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15197

Re: Core-4 Investing is LIVE! It really is this time!

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...
by rotorhead
Mon Oct 01, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 89419

Re: 2-year CDs at Vanguard and Fidelity Today

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...
by rotorhead
Sun Sep 30, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Good place for bond total return charts
Replies: 8
Views: 655

Re: Good place for bond total return charts

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...
by rotorhead
Sun Sep 30, 2018 11:24 am
Forum: Personal Investments
Topic: ST bond funds
Replies: 8
Views: 1324

Re: ST bond funds

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...
by rotorhead
Sat Aug 25, 2018 10:44 am
Forum: Personal Investments
Topic: Fidelity index funds
Replies: 17
Views: 3653

Re: Fidelity index funds

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...
by rotorhead
Sat Aug 25, 2018 10:09 am
Forum: Personal Investments
Topic: Investing in a Broadway show production
Replies: 38
Views: 3900

Re: Investing in a Broadway show production

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...
by rotorhead
Sun Aug 19, 2018 7:50 am
Forum: Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 45
Views: 5069

Re: Retirees: Timing your withdrawals

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...
by rotorhead
Wed Aug 15, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare by credit card
Replies: 10
Views: 1230

Re: Paying for Medicare by credit card

My wife is billed quarterly & pays with her Master Card. Worked very well so far. No fees.
by rotorhead
Sat Aug 04, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: iPhone MNVO compatability (Cricket, Pageplus, etc)
Replies: 11
Views: 1015

Re: iPhone MNVO compatability (Cricket, Pageplus, etc)

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...
by rotorhead
Sat Jul 28, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: AAA & AARP = Travel Benefits?
Replies: 27
Views: 2946

Re: AAA & AARP = Travel Benefits?

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.