Search found 1759 matches

by mmmodem
Thu Nov 14, 2019 10:41 am
Forum: Personal Investments
Topic: Roll Roth 401K (Previous Employer) into Roth IRA with Vanguard?
Replies: 6
Views: 160

Re: Roll Roth 401K (Previous Employer) into Roth IRA with Vanguard?

First of all, there's nothing wrong with doing absolutely nothing. When I left my first job. I left the 401k where it was not knowing where to roll it over. I listened to Bogleheads in this forum and decided to stand there and do nothing until I fully comprehend my options. I was inundated with Fide...
by mmmodem
Thu Nov 14, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 30
Views: 3170

Re: Disturbing experience with Ally Bank

I don't have any advice for you. But similarly, the last time I made a big transfer to my online bank account for my home downpayment, it took over a week to process. However, my bank was completely transparent. The entire amount was recorded on my online statement with a hold. A schedule was shown ...
by mmmodem
Tue Nov 12, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 79
Views: 3742

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Same as above. 1. Replace batteries when they beep. I don't subscribe to the notion that they always go out in the middle of the night. They go off whenever in my home. I tend to notice it at night because that is when I am most annoyed. It's too wasteful to change out every year. I usually have to ...
by mmmodem
Mon Nov 11, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7224

Re: Should I buy the family cottage?

Speaking as the owner of the family home, don't do it. Most replies are concentrating on the investment aspect. It's not an investment. It's a timeshare. And like a timeshare, it's difficult to sell and even if you do, you'll be glad to break even. Others will live there without your permission, jus...
by mmmodem
Mon Nov 11, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11043

Re: Saving seats on Southwest

We nearly exclusively fly Southwest. Reading this thread, I was surprised to hear so many complaints about saving seats. It's so rare to me that I don't even notice. I just realized why. I don't pay for early bird seating. I don't know what magic voodoo people do to get B boarding passes. Perhaps be...
by mmmodem
Sun Nov 10, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Auto Insurance - removing a driver on policy
Replies: 12
Views: 879

Re: Auto Insurance - removing a driver on policy

On my insurance, it will have no effect. This is because insurance is based on the car insured and the highest liability driver which usually is the youngest male driver. You can have 10 drivers and the premium will be the same. Therefore, removing my wife will not change the premium. Removing me, w...
by mmmodem
Sat Nov 09, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10443

Re: Seller's agent not letting us use a buyer's agent

Don't give up on this house. Don't use the seller's agent for the obvious reasons you've stated. Discuss this with your agent on how to proceed With the offer. A resolution is your agent will make an offer to the seller's agent to split the fee. Instead of the normal 3% each to buyer's and seller's ...
by mmmodem
Fri Nov 08, 2019 7:39 pm
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3081

Re: How often should someone rebalance?

again to ensure I don't overcontribute losing company match at the end of the year. I change my investments accordingly to keep within my 5% investment bands. Why would you lose your company match? Once I reach the 401k yearly maximum, my next paycheck will have zero going to 401k. Therefore, no co...
by mmmodem
Fri Nov 08, 2019 6:59 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3081

Re: How often should someone rebalance?

I rebalance based on the market. I've decided on a +/- 5% band for my asset allocation. If my equities allocation exceeds 5% of desired, then I rebalance. So far, this has never happened. However, I do look at my 401k account at least twice a year to set my contribution. Once to account for my proje...
by mmmodem
Thu Nov 07, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2635

Re: When to buy Car extended warranty ?

I think it's obvious to purchase the warranty in two years time after the factory warranty expires but I've never heard of buying extended bumper to bumper warranties years after you purchased the car. Let's simplify the numbers a little. Given factory warranty is in place for another 2 years. What ...
by mmmodem
Wed Nov 06, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Smart Garage Door Openers
Replies: 34
Views: 2182

Re: Smart Garage Door Openers

We added the Chamberlain MyQ device to our existing Genie garage door opener. Installation was fairly simple. There is a the wifi hub that can be placed anywhere within vicinity of the garage sensor. There is an accelerometer that attaches to the door itself that detects an open and close situation....
by mmmodem
Tue Nov 05, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 2797

Re: Car rental insurance experiences

There is only one situation where I pay for rental insurance. And that is for work. They pay for it and sometimes it's a requirement. I've never had a damage claim when renting for personal use so I don't know how effective the credit card insurance is. However, someone backed into me while parked o...
by mmmodem
Tue Nov 05, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2033

Re: Pay down 7% 403b loan or 3.74% car loan first?

I'd pay off the car loan for two reasons: 1) If you default on the 403b loan, it will be treated as income and you will have to pay taxes on it plus penalty. If you default on the car, they take the car. 2) If you could take a 403b loan right now to pay off the vehicle entirely, would you? If not, t...
by mmmodem
Sat Nov 02, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 1890

Re: Workplace PIP - Next Steps?

You can theoretically survive a PIP at any level. By definition, though, it's management's way of saying, "You didn't take the hint that we want you gone. Now, we are telling you to go. There is now a document that outlines why you need to go. You have 90 days." Consider it this way. Your friend cou...
by mmmodem
Mon Oct 28, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 20 year term life???
Replies: 33
Views: 2277

Re: 15 vs 20 year term life???

Oftentimes, 30 year, $500k-$1M is suggested for life insurance. It's mentioned so much, I consider it a rule of thumb. From there, you need to determine what your personal needs are. The purpose of life insurance is to provide for my dependents after I'm gone. By my definition, that means any assets...
by mmmodem
Wed Oct 23, 2019 9:59 am
Forum: US Chapters
Topic: Vermont/New Hampshire Bogleheads?
Replies: 4
Views: 285

Re: Vermont/New Hampshire Bogleheads?

I'm in Keene, NH. It would be fun to meet up. Boston is too far for me as well. 1 hour is my limit.
by mmmodem
Tue Oct 22, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1255

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

I thought about epoxying some magnets to it to keep it closed. I don't know if this is safe? Why do you think that would not be safe? The fumes are strong right there so I did not want something that would spark. Why would magnets promote sparks with gas fumes? Anyway this fellow on YouTube used ma...
by mmmodem
Tue Oct 22, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6039

Re: What do Bogleheads think about House Hacking?

I also didn't realize this is what House Hacking is. You could say my parents are house hacking as they rent two rooms in their three bed home. They essentially don't have to pay mortgage. Why doesn't everyone do it? Well, I wouldn't do it because I don't like living with strangers. The only additio...
by mmmodem
Sun Oct 20, 2019 9:38 am
Forum: Personal Investments
Topic: 401(k) to 401(k) rollover considerations
Replies: 7
Views: 555

Re: 401(k) to 401(k) rollover considerations

When I moved to job 2, I kept my 401k at job 1. The thing that surprised me was that admin fees at job 1 was less than at job 2 despite no longer being an employee. Fund choices were comparable. At job 3, I rolled over the 401k from job 2 because the fees were lower in job 3. The fees are still lowe...
by mmmodem
Thu Oct 17, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4427

Re: Good camera system to watch the nanny

OP, we are millennials and Gen X'ers and security cameras are common place among my friends and peers. In fact, one of our pass times at get-togethers is to show how clear our new security camera is and how well motion sensing works. "Take a look at our cat getting excited when the mail man comes." ...
by mmmodem
Wed Oct 16, 2019 10:58 am
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 797

Re: HSA and/or 401K

Taking your question as it is stated, I would not forego tax advantaged accounts to save 50% down payment for a home. I would forego tax advantaged accounts to save up to 20% down payment. The reasons for that is tax advantaged space is too valuable to lose unless you want to purchase a home and to ...
by mmmodem
Mon Oct 14, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9487

Re: Do you carry your passport with you during international travel?

To those that answered that they keep a copy of their passport on their phone or a photocopy in luggage, aren't you worried that the photo could be just as bad if in the wrong hands? It has all your information plus a photo of what you looked like so I think a fake one could be forged in short orde...
by mmmodem
Mon Oct 14, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1509

Re: How much do you spend on dry cleaning?

We use Dryel in our own clothes dryer.
https://smile.amazon.com/Dryel-At-Home- ... 394&sr=8-5

About $2 each garment.
by mmmodem
Mon Oct 14, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 3808

Re: I thought Pyrex glass food storage containers were supposed to be durable?

Nothing lasts forever. If this was a new pyrex container, I would be concerned. If this was a well-used one, then years of rapid hot and rapid cold cycles will stress and degrade its performance.
by mmmodem
Mon Oct 14, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: 529 account as a gift
Replies: 8
Views: 505

Re: 529 account as a gift

Seeing that we do not have 529 plans, my sister has graciously set up one for each of my children. 1. She set it up so that she is the custodian but it would transfer to me if she were not around. 2. To maximize financial aid, we would either transfer the 529 to the parent or child when it comes tim...
by mmmodem
Sun Oct 13, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Anyone switch from a big phone to a small one?
Replies: 8
Views: 803

Re: Anyone switch from a big phone to a small one?

I switched from a 6 plus to a work issued 8. I quickly got used to the smaller 8. However, I don't like it. While I got used to the size quickly enough, I always preferred more screen real estate. The 8 also has a shorter battery life. Yes, battery life was longer than my 3 year old 6 plus buy it bo...
by mmmodem
Sun Oct 13, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Another iPhone question/purchase while waiting out 2020
Replies: 8
Views: 869

Re: Another iPhone question/purchase while waiting out 2020

I’d go with a 6S Plus or 7 Plus if you need “easy on aging eyes.” I concur and would consider the 8 plus as well. The reason is because the plus sized phones have larger screens and is easier on the eyes. They also have larger batteries that last hours longer than the standard sized phones. I would...
by mmmodem
Fri Oct 11, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Engine to Household Ratio Planning
Replies: 9
Views: 609

Re: Engine to Household Ratio Planning

A way to decrease the ratio is to go electric. Alhough, your macho-ness may suffer until more people get on board with electric. 6 people 2 gas vehicles 1 generator Ratio = 0.5 Lawnmower is battery powered electric as well as all the below. Snow blower Leaf blower Weedwacker Hand Chainsaw Tree trimm...
by mmmodem
Thu Oct 10, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9487

Re: Do you carry your passport with you during international travel?

Passport always stays in a safe in a hotel or at home. The risk of losing it is much higher than the risk of an official needing to see it in my opinion. There are large cash bounties on blue passports. Besides, I shudder to think of any situation where I would be jailed because I didn't carry it wi...
by mmmodem
Thu Oct 10, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: Office Startpage for Web Browser
Replies: 11
Views: 907

Re: Office Startpage for Web Browser

I also used to have Yahoo as my browser start page. I put up with the increasing banner ads but the auto play videos was the last straw. I switched to news.google.com last year. Initially, it wasn't very good but as I clicked on articles, it learned my tastes and only curates stories I'm interested ...
by mmmodem
Wed Oct 09, 2019 7:07 pm
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6365

Re: Taxable investment account for college?

The tradeoff is a 529 fund is designed for educational expenses and thus has less long-term flexibility over using taxable / cash-flow, if the funds end up being needed for something else like an emergency, divorce, or forced retirement. The tax savings to give up that flexibility is worth it to so...
by mmmodem
Wed Oct 09, 2019 9:47 am
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6365

Re: Taxable investment account for college?

6. So if I simulated what was suggested from those advocating maximizing retirement savings, it would look something like this(?): liquidate the taxable this year, withhold more income to max out 401k, use part of the liquidated taxable on current expenses. Rinse and repeat over the next several ye...
by mmmodem
Wed Oct 09, 2019 4:53 am
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6365

Re: Taxable investment account for college?

Klangfool is really trying to help. No, he has a vendetta against 529s and has made it his mission on Bogleheads to discourage people from using them for any purpose. He is 100% opposed to the existence of a 529. $90k earmarked for college can be placed in a 529 or in retirement accounts. The money...
by mmmodem
Tue Oct 08, 2019 7:54 pm
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6365

Re: Taxable investment account for college?

Sure, keep telling me what I know and don’t know about my own savings rate and income, the specific details of which I did not post. This is my last response to your posts, some of which are in trolling territory. I deeply value the sharing of divergent viewpoints on BG, but this is just you invali...
by mmmodem
Tue Oct 08, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1390

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Well, anecdotally, we have a 2005 Prius with over 150k miles and a 2012 Prius Plug-in with over 150k miles. Both have not had any transmission or battery issues. So you know where I stand on reliability. To be more precise, Toyota hybrids use an (electronic) eCVT. It's a transmission that mimics a C...
by mmmodem
Tue Oct 08, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2995

Re: Economics of upgrading to latest iPhone vs one generation behind

iPhone 6 is 5 years old. Also, there are rumors that Apple will support the newer devices for longer because they have more memory. iPhone 6 had only 1 GB of RAM and the next ones (6S, SE) had 2 GB. Recently released (today!) macOS Catalina is supported on devices going back to 2012. https://suppor...
by mmmodem
Tue Oct 08, 2019 4:13 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7723

Re: Should I sell or keep my 5 year old depreciated Tesla

Being a 5 year Tesla owner, I'm surprised you haven't seen any of the comparisons of a ~$38k Tesla Model 3 having a lower cost of ownership than a new Camry. https://cleantechnica.com/2019/09/27/tesla-model-3-vs-toyota-camry-5-year-cost-to-own/ Yes, a new Model 3 isn't a 5 year old Model S. You can,...
by mmmodem
Mon Oct 07, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3679

Re: 2010 Prius totaled.... Now what?

I was also rear ended at a stop light. The collision was so strong that the car that I hit in front of me also hit the car in front of it. That meant the person behind me was at fault for 3 vehicles at least. A check was cut for my totaled 1995 Acura Integra with 140k miles which I thought was fair ...
by mmmodem
Mon Oct 07, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8032

Re: First car for child

Yes - at some point - I think early or mid 90's - the Camry and Corolla models both became bigger. So, the Corolla became about the same size as the previous Camrys - and the Camrys got a step bigger as well. I owned a 1990 Corolla - before the Corolla got bigger. I think the Honda Civics and Accor...
by mmmodem
Mon Oct 07, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2995

Re: Economics of upgrading to latest iPhone vs one generation behind

While we're on the topic, does anyone think it's better to hold off on upgrading now and just waiting until 2020 for the new iPhones (which are supposed to be much better)? Or is it worth waiting for Black Friday? (Do iPhones go on sale on Black Friday?) As mentioned above, if you have an SE (or 6s...
by mmmodem
Mon Oct 07, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2995

Re: Economics of upgrading to latest iPhone vs one generation behind

The math is simple. Assume a 4 year amortization schedule, given you have a 4 year old iPhone 6. I also assume you are upgrading even though the 6 works fine but you want to be on a supported iOS release. The 11 thus has an estimated 4 year usage and the Xr has a 3 year lifetime usage. $749/4 = $187...
by mmmodem
Fri Oct 04, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2581

Re: 2010 Honda Accord - loud?

Still searching for possibilities since I don't have any easy way to test out the tire theory. Sure you do. Swap the front and rear wheels if the noise is coming from the rear. If the noise is coming from every tire. Put the spare on the rear. Sit in the closest rear seat while someone drives with ...
by mmmodem
Wed Oct 02, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Eight year old Infiniti: What is necessary and priorty maintenance
Replies: 11
Views: 1030

Re: Eight year old Infiniti: What is necessary and priorty maintenance

Did you check the owners manual? My problem with following the owners manual recommendation is that the 96 month schedule (8 yrs) is also for 120,000 miles. I have 20,000. 20,000 is usually associated with 18 months. That's not a problem. Its whichever comes first, 8 years or 120k miles. So even if...
by mmmodem
Wed Oct 02, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1091

Re: Anyone replace an iPhone screen yourself?

I've replaced the screens on a 5, 6, and a couple of iPads. I am no professional. I just like tinkering. Every repair had some issue unrelated to how I did the repair but to the quality of the replacement parts. The screen had an imperfection or the microphone was soft or the screen delaminated. Any...
by mmmodem
Mon Sep 30, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2581

Re: 2010 Honda Accord - loud?

A couple more observations. The sound is definitely louder at higher speeds. The sound is there whether I am accelerating or not (in other words, taking my foot of the gas does affect the sound). The sound almost reminds of the noise I have heard in some cars when just the back windows are open. On...
by mmmodem
Mon Sep 30, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: New job and dislike it ... go back to old employer?
Replies: 43
Views: 4599

Re: New job and dislike it ... go back to old employer?

I've known at least 3 co-workers that quit for another job and came back. Everyone enjoyed working with them and were glad they came back. I assume your old job has a shorter commute. That would be good enough reason to go back since salary is similar.
by mmmodem
Mon Sep 30, 2019 4:35 am
Forum: Personal Consumer Issues
Topic: Options for streaming CBS-TV?
Replies: 23
Views: 2206

Re: Options for streaming CBS-TV?

Locast, if available, costs $5 a month for local channels. If you're a real cheapskate like me, you can watch for free and reload the channel in between at commercials. I use it on my Fire TV.

DirecTV now comes with local channels.

YouTube.TV also had local channels.
by mmmodem
Mon Sep 30, 2019 4:05 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2448

Re: AA batteries (in a blood pressure monitor for example)

Yes, they are supposed to be worn evenly. However, there is nothing to guarantee they had the same charge when new. Thus they won't be at the end. Either way, especially with high discharge devices that uses 4 AA batteries, you should be able to reuse them. I usually use them up on TV remotes as the...
by mmmodem
Sun Sep 29, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Lend my car or pay for rental?
Replies: 16
Views: 1762

Re: Lend my car or pay for rental?

The only way I know of a nice and polite to say, "no I won’t lend you my car?” is to follow up with, "I will pay for a rental." Follow through or rent a car, pick your poison. Hopefully, this relative doesn't take you up on the offer. I wouldn't risk a possible resentment over $216.